davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (CA)

I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay.

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Received IRS Tax Lien withdrawal letter and approval. Forwarded to all XXXX major credit reporting agencies. XXXX and XXXX removed without incident. XXXX has not removed after several attempts. They said they would remove, however only released the tax lien. Please see find attached the official/legal IRS Tax Lien withdrawal signed document
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

There is no legal contract or agreement between My all caps Name and This Company, I requested a Validation of this debt but they failed to provide, all I received was a bank statement for the 2nd time. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Last attempt to solve this matter Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential SMALL CLAIMS ACTION.
Consumer complaint received 2023-05-19
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. (MI)

I constantly report these items but nothing happens and they claim to keep reporting as verified and updating the dates when indeed these are fraud and i filed an identity theft report. I want these items removed.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Stollen credit wrong mailing address stollen property taxation issues identity theft since 2016 my address not changed three years stollen assets never got rightfully mines TransUnion report shows I have confirmation letter as well
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX & XXXX XXXX 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 an 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 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX is showing a past due balance actively open on a closed collections account which is fraudulent and needs to be removed from my credit report according to my rights within the FCRA. I have disputed this multiple times and nothing has ever changed. They are adding interest and compounding the total balance on a closed account.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (AZ)

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$97.00} from my transactions below? 


MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - $ 5 MONTHLY SERVICE FEE - XX/XX/XXXX - $ 5 MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS XXXX ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS XXXX ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} Thanks a ton, XXXX
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NC)

A fake company made three charges across three of my credit cards, totaling {$2200.00}. A {$500.00} charge went to my Discover card. I have attempted to resolve this many times with Discover, over the period of a year and a half at this point. Discover first told me to contact the merchant ; however, since it is a fake merchant, the website, emails, and phone numbers have all been disconnected, and the address given is a vacant office ( I have spoken to the realtor leasing it, who confirmed the fake company are scammers and not the company they pretended to be ). No services were offered, rendered, or completed, and the fake merchant said that " services can be canceled for a refund. '' So even though no services were rendered I asked for a refund. The other two cards had the competence to cancel these fake charges yet Discover keeps putting it back onto my card. 
Not only does it keep reappearing on my card, now it is accumulating late fees and interest, even though the amount is larger than my balance, which I paid for all actual charges. So now Discover owes me money - I stopped using this account when I was unsatisfied with the lack of customer service. I have submitted documentation that has not been reviewed and I have called over twenty times over the last several months since XXXX- each time someone tells me they need to put me on hold to review my information, then either disconnects the call or transfers me to someone else who seems to have no idea what's going on and wants to start over. Today alone I have been on the phone for more than two and a half hours without any resolution as they keep saying someone will call me back but never does. 
This is shameful that a company can operate like this and put people 's perfect credit scores in jeopardy. 
Lastly, there are no authorized users on my account and have not been for several years, but Discover keeps emailing my account information to a former authorized user who should have no access to my credit info or account info whatsoever yet has access to my balances and everything. This is a very serious breach of privacy and security. 
Please fix this as I will never pay for a fraudulent charge. 
I used to use this card a lot for points but in the past two years I have had THREE FAKE CHARGES on my account and Discover has not fixed any of them. This is absolutely disgraceful.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have tried several times to have my current address updated and to have the previous addresses removed without success. As per the request of the companies, I submitted copies of my social security card and driver 's license in addition to pay stubs and bank statements. To date the changes have not been made.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX  is showing a past due balance actively open on a closed collections account which is fraudulent and needs to be removed from my credit report according to my rights within the FCRA. I have disputed this multiple times and nothing has ever changed. They are adding interest and compounding the total balance on a closed account.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX. 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 an 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 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

Numerous fraudulent transactions on our checking account. Regions Bank does not provide fraud protection, and wants us to assume liability. 
Total of over {$43000.00} was debited from our account fraudulently. The Descriptions all have XXXX XXXX listed as the phone payment. 

Transactions : 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 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX XXXX {$54.00} XX/XX/2021 has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was sent an invite to apply for a new Capital One card and was denied however the law says a consumer can never be denied and extension of his or her own credit I do have a {$1.00} XXXX fee schedule set in place for any credit denials since Capital One has violated consumer law I have the right to demand all fees paid upon sight of this complaint {$1000.00} for reporting to my credit and {$1.00} XXXX for denial of an extension to my credit
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I recieved a notice today that I owe Capital One Bank XXXX. The letter claims this debt is from XX/XX/XXXX. I was sent the notice by XXXX XXXX XXXX XXXX. This is alarming for numerous reasons... I dont remember this account or credit card and if it was in fact in year XXXX it would have been paid off. My ex husband paid off all my debts that year, or probably included in my bankruptcy filed back in XXXX. Regardless of the situation this is alarming in that this is an illegal debt collection because its from over 9 YEARS ago. I'm concered that this may be a scam of some sort and its very concerning. Im not sure what to do and I'm also concerned how they could have possibly got my information. My address is private and I'm in the address confidentility program.