davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed the accuracy of an account been reported on my credit report. The account disputed was conserve. The credit bureaus came back and said that the account was reporting on my credit report accurately. On XX/XX/year> they received from me a request for there method of verification. The law clearly states that the credit bureau should provide me with this information within 15 days of me making such a request. More than 15 days have passed and they have not provided me with the information been requested which is a violation of my rights under the Fair Credit Reporting Act. It is my intention to sue for willful non-compliance under section FCRA 616 as there are violating my rights under the FCRA which clearly states and I quote, ''he right is found in the Fair Credit Reporting Act ( FCRA ) Section 611. It states A consumer reporting agency shall provide to a consumer a description referred to in paragraph 6Biii [ the section requiring reinvestigation ] by not later than 15 days after receiving a request from the consumer for that description. 
They have not provided me with the information requested and they have not deleted and so I have gotten a lawyer to prepare an intent to sue letter as the information been reported on my credit report is false.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

This collection agency, LVNV Funding LLC, has reported two false and misleading practices on my credit report. In accordance with the Fair Credit Reporting Act, this collection company has violated FDCA 807 and providing misleading forms violation FDCA 812.In addition, 15 USC1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written consent. By law, this collection agency must submit proper validation of debt with my wet signature and identification which they have failed to do so.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

I recently had an account and relations severed with Wells Fargo because of multiple issues with my account including a friend wrongfully getting and using my account information for a payday loan to pay me back and not telling me about it. I recently received a letter from dental provider that there was data breach about 9 months ago and they didn't inform me that my financial information might of been compromised as well ( including my bank account. ) The data breach might of compromised my mother as well because our accounts were linked I don't expect Wells Fargo to reopen my complaint or restore business ties with me or respond. But if they could look into it and make sure my mom 's account isn't compromised.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I disputed the accuracy of an account that is called XXXX that was been reported on my credit report as been inaccurate and false. I filed a dispute with all 3 credit bureaus concerning this matter and they came back saying that the matter was been reported accurately and the XXXX account would remain on my credit report. So, I filed a request asking all three credit bureaus for there method of verification used to investigate this matter. This request was filed through the Cfpb portal. I was informed that this request was sent to the credit bureaus on XX/XX/year>. 
The Fair Credit Reporting clear states that the claimant must get the method of verification requested within 15 days of making the request. If the credit bureau is unable to provide that method of verification within 15 days of it been requested then the account been disputed must be deleted from the credit report immediately. A failure to delete the disputed items and a failure to provide a detailed method of verification is a violation of the Fair Credit Reporting Act. I can then file a lawsuit against your company for false reporting and for violating my rights under the Fair Credit Reporting Act. More than 15 days have passed and no method of verification has been sent to me as yet.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-06-03
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. (PA)

XXXX XXXX XXXX replied back to complaint XXXX file on XX/XX/XXXX back to the Consumer Financial Bureau by Company Responded saying on XX/XX/XXXX request to the credit bureaus for removal of any information concerning the debt.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

PYOD LLC XXXX I HAVE TRIED TO REACH OUT TO THE COMPANY DIRECTLY WITH NO RESPONSE I HAVE DISPUTED WITH XXXX CERTIFED MAIL AND COLLECTION GETS VERIFED THIS DEBT IS NOT MINE I DO NOT RECALL THIS AND IT STILL REMAINS ON MY XXXX REPORT.
Consumer complaint received 2024-08-09
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have attempted to request my complete full file disclosure, including the source of who provided my personal information such as address and dates, from all 3 bureaus but none of them will provide me with a full complete disclosure. They specifically said they will not be providing me the information of who supplied my address information or other information except for the account info. A file disclosure is not a credit report, but that is all they keep providing me every time I attempt to get my entire file. 

They will end up being caught red-handed as being the supplier of the dates on my address information but they keep telling me that it was supplied by my creditors. That is completely false and literally impossible ; the fact is they put their own date onto the " date reported '' as 9 years ago even though I haven't even lived here for a full year yet. If I need to find a new place then I can get totally screwed over by the information regarding my address history and I need it corrected the proper way instead of just putting random data on my credit report.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC {$380.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : FCRA/UCC law , this item must be deleted, or we will pursue civil action.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING LLC {$2300.00} XX/XX/year> WITH THE HIGHEST BALANCE BEING {$2500.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX XXXX XXXX Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : XXXX law , this item must be deleted, or we will pursue civil action.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/XXXX I had XXXX XXXXXXXX. Since I am on a fixed income, the doctor 's business office set me up with CareCredit because I did not have enough to pay the bill ( {$1200.00} ) up front. They explained to me that as long as I paid a certain amount monthly that would pay off the debt in a XXXX, I would not be charged late fees or interest. I was advised that my due date would be the XXXX of the month. On XX/XX/XXXX and XX/XX/XXXX I paid {$100.00} each month. I have copied proof of these payments from my checking account : XXXX payment to CareCredit in the amount of {$100.00} and XXXX payment to CareCredit in the amount of {$100.00}. On XX/XX/XXXX I sent them a check in the amount of {$110.00}. I have copied proof of this payment from my checking account : Synchrony CHECK PYMT XXXX Electronic Check {$110.00}. When I checked my CareCredit account I saw that on XX/XX/XXXX I was charged a late fee of {$30.00} and on XX/XX/XXXX a late fee of {$41.00}, and on XX/XX/XXXX I was charged {$2.00} in interest. I telephoned them today to ask why I was charged XXXX late fees plus an interest charge. The person I spoke to said the first XXXX payments had been posted after the XXXX of the month. The XXXX payment was posted on XX/XX/XXXX, yet I was charged interest. I advised her that the first XXXX payments from me were dated on the XXXX of each month. I told her that the fact that their bookkeeping was sloppy was not my problem. If I were a sceptic, I'd think they took their sweet time posting payments so that they could charge late fees every month. Also, as an aside, the number of spam emails I've received since starting to do business with CareCredit has easily quadrupled. I've always been careful to change my email passwords regularly, yet the spam just keeps coming.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX are reporting the account listed as XXXX Account # XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Mitigation Services, LLC (MO)

XX/XX/scrub>XXXX XXXX XXXX  harassing family members (, very rude to my brother ) harassing my sister calling my work saying they are trying to locate me. They have my phone number and address so just doing this to try to get me to call them. On the advice of my attorney I will not contact them. This is not my first dealings with them. They will stop at nothing.
Consumer complaint received 2024-07-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

Dear Sir/Madam, I am writing to file a formal complaint against NetSpend Corporation regarding their failure to credit my account for a transaction, despite having a receipt confirming the transaction.On XX/XX/year>, I loaded {$120.00} to my NetSpend account XXXXat XXXX in XXXX XXXX, Florida . Regenerating the barcode through their app and going to the selected location the app suggested. I have attached a copy of the receipt as proof of the transaction. Despite this, the funds have not been credited to my account.I have diligently submitted all requested documents to both the document department and the customer service department, undergone repeated verification processes, provided identification, and dealt with temporary account locks. These experiences have been unacceptable and have complicated the resolution of this matter.I have contacted NetSpend 's customer service department on numerous occasions and spoken with supervisors, only to be misled, given conflicting information, false timeframes for resolution, and experiencing disconnections during critical discussions.According to NetSpend 's policy, if they take more than 10 business days ( or 20 business days for new accounts ) to investigate and resolve this matter, they are required to credit my account for the amount in question so that I may have the use of the money during the investigation period. This policy has not been honored, and my account remains uncredited for the $ XXXX am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that NetSpend complies with their own policies and federal regulations. This issue has caused significant inconvenience and financial hardship for me, and I believe it is indicative of broader systemic issues within NetSpend 's handling of customer funds.Thank you for your attention to this matter. I look forward to your assistance in resolving this matter.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans union continues to falsely report information that they claim to have verified on complaint XXXX I have made several requests via certified mail and in writing and they have not provided me with any information. They sent me a letter dated, XX/XX/year> saying only that they verified their information but did not provide any documents. I have told the below XXXX items, is not my debt and requested the following. 

XXXX. XXXX XXXX and XXXX- not my debt. 
XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX- not my case XXXX. XXXX XXXX XXXX I have asked Trans union to provide me with proof of the debt 1. signed contract 2. copy of my picture ID with said contract.

3. Itemized bill, paperwork, 4. who they verified this debt with 5. The persons name and phone number XXXX. Provide the date and time the person verified this information. 

Trans Union is maliciously saying that this information is verified but they have not provided any documentation to me as I have requested many times. They must to provide this information immediately, they have been saying the same thing since last year and have not provided any documents. They are causing me severe emotional distress.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

CFPB ) regarding your concerns about TransUnion and unfair XXXX XXXX treatment : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXXXXXX Complaint Against TransUnion for Unfair Credit Score Treatment Dear CFPB , I am writing to formally lodge a complaint against TransUnion for unfair treatment regarding my credit scores. This has been ongoing for the past 3 months. I've taken screenshots so you can see the consistent pattern of points. 

Despite having all my accounts in good standing, I have noticed that TransUnion has consistently provided me with unfairly low credit scores. This has affected my ability to secure loans and credit, which has caused significant distress. 

I believe that TransUnion is not accurately reporting my creditworthiness, and I request that the CFPB investigate this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely,
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC (IL)

I recently made a distressing discovery that Contract Callers had added a collection account to my credit report. As per the debt collection rule, debt collectors are legally required to provide specific information, known as validation information, in a written notice sent as the initial communication or within XXXX days of their first communication. This notice can be sent through mail or electronically. However, I have yet to receive any notices from Contract Callers, and the information on my credit report states that I am 90 days past due as of XX/XX/XXXX, and the date opened XX/XX/XXXX. I did not live in XXXX in XX/XX/XXXX ; I have IRS documentation to prove it! According to the Fair Credit Reporting Act ( FCRA ), inaccurate, incomplete, and unverifiable information must be removed or corrected within 30 days! Another deception is that per the report, my original balance was {$130.00}, past due as of XX/XX/XXXX is {$120.00}. This is a clear violation of the Debt Collection rule, and it is deception. I have no prior knowledge of Contract Callers, and had I been informed of any issues, I would have promptly taken steps to resolve them with the original creditor. This unforeseen addition to my credit report has come at a critical time as I am preparing my credit to purchase a home, and this setback is hindering my progress.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.