davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after. That was resolved with the debt collection agency XXXX months ago. Now I'm being harassed by a second debt collection agency for the same amount which was previously resolved.
Consumer complaint received 2023-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (AZ)

I am still getting phone calls, letters on a debt that is not mine. If you review all the CFPB case history, this is an uncollected debt, not mine, this company, XXXX XXXX XXXX has not been a viable business for many years. They are still reporting this debt on my credit report, many times they have said this case is closed via CFPB and allegedly it was and they keep attempting to sell this debt for collections. I want this stopped and removed on my credit bureaus on all three bureaus. You last case number that was closed was XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the person making this complaint & I give CFPB authority to investigate this claim. On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX XXXXXXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request at all.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MI)

XXXX XXXX and square business debit card failed to investigate my unauthorized charges before denying my dispute. A hacker accessed my card and pin. And because a pin was used. XXXX XXXX  refuse my dispute. Without properly investigating. Because if they did. It was not me who walked in that store and picked up pizza all the time. I first learned of the fraud on XXXX. Filed disputes. But also. My square business debit card was hacked 2 days after activating my square business debit card. I feel like ive been embezzled from for the last year and a half. People need to know square business debit cards are not secure. Because I opened that card. My business has had XXXX dollars stolen from it. And XXXX XXXX wont investigate these charges properly. Or call me back. I was never there. They have surveillance to track this person. Two big corporations. Allowing the taking from a tiny business. Because I opened a square business debit card for my business I got thousands stolen from me. Small amounts over time.
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX has fraudulently been using my SSN since XXXX and in XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

XXXX & Transunion wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

XXXX XXXX site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to Transunion, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

Shellpoint Mortgage company is overcharging me fees. I have been trying to resolve this past discrepancy with the amount they say I owe. I have not fallen 60 days behind but they have been charging me fees which makes it appear that I owe several months.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Hello I've been a customer with the Bank for 5 years and i started out with a XXXX secured credit card. I have been paying on this card for 5 years and I haven't reached my balance yet although my card has been close for 3 years ... I have paid over XXXX in late fees with this bank. I have exhausted all of my opportunities for reaching out and trying to get a settlement for this account but they refuse to help me ... I am currently paying on this card now and Im exhausted.Please Help
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquires that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquires removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid my Bank of American CC on time in XX/XX/2018. In XX/XX/2018 I received my a new statement with a {$25.00} late fee and interest. I called in XX/XX/XXXX, the rep said they were sorry and took off the interest charge, but not the late fee. At that time I closed the account. On XX/XX/XXXX I recived a new statement with {$25.00} late fee and interest, I was not late I called again today and they would not take off fees
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OK)

I was being scammed by someone claiming that they were with XXXX XXXX. Before I caught on, they had reverse previous bills that were already paid. I called Chase Bank to stop the investigation, they replied that once they started it could not be stopped. I explained that it was not me, and that you did not do a complete verification of my information. And why did you not think that something was wrong when the reversals of all paid accounts went back XXXX months. I tried to get them ( Chase ), to repay all of the accounts, as of today they still have not paid any accounts. I explained that my water will be turned off if they do not immediately pay the water company. I have been on the phone for hours, with no luck. My last call I was told that the verification 's system was down, that I should call back in XXXX to XXXX hours later.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (NY)

American Express sent me a XXXX card that I had never applied for. 
Someone fraudulently applied for the card and they approved it without my permission. They need to be reprimanded and fined for their fraudulent practices.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX, Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX PA XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

on XX/XX/2018 I attempted to purchase a vehicle at XXXX XXXX in North Carolina. The dealership is unable to pull my credit report at that time. On XX/XX/2018 I attempted to set up a product so that I can see what the issue is with my Equifax credit report. I was unable to set up the product online and was instructed to contact customer support of Equifax. I contacted Customer support on XX/XX/2018 and was transferred to XXXX XXXX  first to verify my identification. I was told that there was an extended fraud alert on my credit that would be on there for 7 years. I also was informed that all they had to do was update my file with a phone number and my credit could be pulled. on XX/XX/2018 i noticed the charge for the product and attempted to login to see my credit information, the car dealership called and informed me that they still can not pull my report. I was not able to access my report. I called Equifax Consumer dept again and was told by XXXX who is a floor supervisor that I would not be able to access my report due to a error on the part of Equifax. I would have to wait up to 7 days for a possible resolution. At this time, it is stopping me from purchasing a vehicle. And I am very concerned for my personal information.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (TX)

On XX/XX/2018 my employer XXXX XXXX sent my paycheck ach direct deposit in the amount of {$5600.00} to Netspend. On XX/XX/2018 my second employer XXXX XXXX XXXX sent a ach direct deposit over to Netspend in the amount of {$110.00}. Both companies have issued payment to before and have had no issue. Netspend is stating they are having an issue with their subsidary XXXX posting ach deposit but can not confirm a date or time for resolution. I reached out to XXXX XXXX who works in Office of the President and stated the only information he has received was that XXXX XXXX  would be resetting their system and hoped to have it resolved soon.