davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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: TRANSWORLD SYSTEMS INC (FL)

Dear TRANSWORLD SYSTEMS, I am writing to formally request a charge-off letter for an account that I have no prior knowledge of. Below are the relevant details regarding the account in question : Original Balance : {$500.00} Outstanding Balance : {$500.00} Date of Charge-Off : XX/XX/year> I have communicated with your company regarding this account ; however, I have yet to receive the documentation necessary to verify its accuracy and my association with it. Specifically : Lack of Knowledge : I have no record of any transactions or agreements related to this account, which has led to my surprise upon learning of its charge-off status. 

Previous Communication : I reached out to customer service on [ Date ], seeking clarification and requested supporting documentation. Despite my inquiries, I have not received any information that validates the existence or accuracy of this account. 

I kindly ask that you provide a formal charge-off letter detailing the information related to this account, including how it originated and any actions taken that led to this charge-off. This documentation will help me better understand the situation. 

Thank you for your attention to this matter. Please let me know if you need any additional information to assist in processing my request.
Consumer complaint received 2017-05-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (VA)

My account wa s sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks   XXXX    separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I googled the phone numbers and they have all been listed as scammed. I also called the 3rd  party vendor (   XXXX    ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my  FULL  social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2022 last year my student loans were paid off in full as I had them through Fed loan servicing. At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. XXXX put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my XXXX payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (VA)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (GA)

On   XXXX   XXXX   XXXX     2015 Barclays Ba nk Delaware placed a hard Inquiry on my   XXXX    Credit Report. The report is  two yea rs old and needs to be removed and furthermore I never provided authorization for the inquiry. I do not have any open accounts with this company so this inquiry needs to be removed.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-25
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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

The delinquent payment shown on my credit report ( XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. ( XXXX )
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (NJ)

To Whom It May Concern, I was hired as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' located at XXXX XXXX XXXX, XXXX, FL. On XX/XX/year>, I was asked by the XXXX department to deposit a XXXX XXXX XXXX check for {$7300.00} into my JP Morgan Chase account to purchase office equipment. The reason provided was that employees would own the equipment after the probationary period, saving paperwork. After the check cleared, I was instructed to make two wire transfers : {$4800.00} and {$2500.00}. The transfers were completed by XX/XX/year>, with a {$25.00} fee per transfer. Soon after, I was asked to deposit another check, claiming it was for discounted equipment. I questioned why the funds already transferred werent sufficient but followed instructions. When the new check was placed on hold, I refused to use my own funds for purchases. Later, I was notified by my bank that my account was overdrawn by - {$5600.00} plus my initial {$1600.00}, and that the initial check had been deemed fraudulent. Despite contacting the fraud prevention department, I found my balance locked, and I might be held liable for the wire transfers, which would overdraw my account. I refuse to accept responsibility for this as the bank made funds available from the deposit of the first check. If this did not take place, none of this would have happened with the wire transfers. I can provide documentation such as my Employment Offer Letter, welcome email, and my correspondence with the HR representative. My claim with the bank was denied and the wire transfer department has notified me that the wire transfer recipients refused to send the money back. This incident has been reported to the FBI, local police ( Incident # : XXXX ), and the FTC. I would like to recover my initial balance prior to the incident in the amount of {$1600.00} as a resolution of this issue. Please let me know if you have any questions. If the bank did not make the fund available the situation with wire transfer would never had happened, regardless of whom initiated the wire transfers. I files a complaint with XXXX and the bank showed a complete lack of interest to resolve this issue blaming it on me. When the first check was deposited I called the fraud department and inquired if this check could be fraudulent and was told that if this is the case, I would not be help responsible because I have been a long time customer with the bank. I also Complained to FBI, Local Police, XXXX.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX I have identified multiple fraudulent accounts on my credit report resulting from identity theft. These accounts are obstructing my access to necessary credit. Under Section 605B of the FCRA, I request their immediate removal. Please address this matter by promptly correcting my credit file. Thank you for your swift attention to this issue.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

Basically, Citibank wrongly double-charged me for a {$100.00} payment that I had already made and I still today do not have access to that {$100.00} and have just incurred a late fee for being unable to pay a separate bill on time due to Citibank 's error and their failure to refund me ( or to even give me access to an additional {$100.00} credit on my account on which I could have taken a cash advance on to pay my other bill ). They've drained multiple hours of my time and energy by wrongly withholding money that I needed to stay financially afloat ; they've caused me financial distress and have wasted my time and money. 

On XX/XX/XXXXXXXX I agreed to a payment plan with Citibank ( over the phone ) to pay down my credit card debt {$100.00} per month for the next 6 months starting with the first payment on XX/XX/XXXX ; an automatic payment was scheduled. 

At XXXX on XX/XX/XXXX, I called Citibank to inform them that I hadn't yet gathered the {$100.00} for the scheduled automatic payment and that I would instead need to make a manual payment myself later in the day the representative replied that that would not be a problem as long as I paid before midnight. I called again at XXXX confirming that I would be making a manual payment shortly ; I did my due diligence in communicating how and when I would be able to pay. At XXXX, I made a manual online payment of {$100.00} and the payment posted On XX/XX/XXXX, Citibank withdrew {$100.00} from my XXXX checking account ending in XXXX. 

On XXXX, Citibank erroneously double charged the same account and withdrew another {$100.00}. Upon learning this, I immediately called Citibank and informed them of their mistake and requested an expedited {$100.00} refund to my account so that I would be able to pay a separate bill and avoid a {$36.00} late fee. 

On XXXX, I called Citibank requesting an update for the refund so that I would be able to fulfill my payment to my other credit card ; no luck. 

On XXXX, I incurred a {$36.00} late fee from another bank as Citibank failed to refund what they erroneously took from me I still don't have access to the money.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan by Phone ) Check into XXXX {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXXXXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (LA)

In  XXXX , I separated from my husband. My daughter and I continued to live in the house and pay the mortgage. I later asked the mortgage company to give me a statement and was denied because my name wasnt on the house. I asked if the house could be put in my name because I was paying the mortgage and was told no. I then asked could they tell me where the payments have been going and they said no. The mortgage company refused to discuss anything with me and said they would only speak with my husband. They requested that I send in check stubs, approval from my ex-husband giving me permission to ask for information on the house which I did. I sent in all requested paperwork for months and months with no resolution. The crazy thing is that I signed as the co-borrower when we first got the house so why not put it in my name. I should not have had to get my ex-husband to authorize the mortgage company to speak with me. I even tried to sell the house with a realtor helping me. She was getting the run around just like me because they kept asking her to fax the same paperwork over and over again. After we divorced in  XXXX , I was still denied information on the house and told that my ex-husband could come and take the house away from me at any time he saw fit. I was upset because I had been paying the bills with no paperwork saying where the money was going and told I dont have any claim to the house. After all the drama with the mortgage company, I decided to leave.
Consumer complaint received 2024-08-17
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. (NC)

XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : ACCOUNT NUMBER Amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} In addition , please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.
Consumer complaint received 2024-10-26
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.