davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

Dear DRS, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-13
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. (MI)

have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof PAYMENT HISTORY IS OUTRAGEOUS
Consumer complaint received 2024-01-13
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. (OH)

this is my second time dispute the account : XXXX XXXX # XXXX I have requested documentation from the following collections agencies : XXXX XXXX XXXX XXXX XXXXXXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc. (TX)

Dear CFPB, I am writing to file a formal complaint against Mercury, a fintech banking service. My account with Mercury has been unexpectedly blocked, and despite multiple attempts to resolve the issue with their customer service team, I have not received any satisfactory response. 

Details of the Complaint : Account Holder : XXXX XXXX Account Type : Business Banking Description : My account was blocked without prior notice, which has severely impacted my business operations. I had significant transactions and client payments scheduled during this period, and the blocked access to my funds has caused financial distress. Despite numerous inquiries and attempts to contact Mercury 's support team, I have not received any clear explanation or resolution.

Attempts to Resolve : I have contacted Mercury 's customer support multiple times via email, requesting an explanation and immediate unblocking of my account. All efforts have been ignored or met with unsatisfactory generic responses.

Impact on Business : The blocked account has resulted in missed payments from clients and disrupted business operations.

I am unable to access my funds, which is critical for my business continuity.

I request the CFPB to investigate this matter and assist in facilitating a resolution with Mercury. I seek immediate unblocking of my account and access to my funds, along with a clear explanation for the blockage and steps to prevent such occurrences in the future. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX. I have a collection account on my credit report that does not nor has it ever belonged to me. I have tried to resolve this issue directly with all 3 of the major credit bureaus and the company. The account in question is a collection account for {$680.00} from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  I sent the company a certified letter, of which I have enclosed the receipt from the USPS and my credit report as of XX/XX/XXXX. They never responded to my request. I have recently checked my XXXX credit report and the same debt is reporting as a Collection account and a Closed Act account. I would like this account deleted permanently from my credit report as soon as possible.
Consumer complaint received 2024-01-13
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-01-13
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. (MI)

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof
Consumer complaint received 2024-01-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This items are illegally and unaccurately being reported on my credit report. I need these items deleted immediately.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NC)

I have no idea what this collection is for. I disputed it and it was accepted by one credit bureau and determined accurate by another. I have absolutely no idea what this could be for. I have not purchased cable tv or internet services in about two years. They have never sent me any bill explaining these charges, and they are NOT providing, nor did they ever, a service to my current address. 

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$310.00} XXXX updated XX/XX/XXXX
Consumer complaint received 2024-08-18
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. (TX)

I HAVE NOT REQUESTED THIS TO BE VALIDATED OR VERIFIED. THIS IS ABOUT THE VIolations of the FCRA My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments ACCOUNT : XXXX XXXX
Consumer complaint received 2024-01-13
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. (OH)

The Executors examined the surety report and discovered several instances where unauthorized access and sharing occurred. The mentioned accounts did not receive approval to access the Executor surety report, XXXX XXXX, and no direct benefit was obtained by us. These credit accounts were unauthorized, and we do not acknowledge them. Unless you can provide a copy of the authorization by the Executor, we request the prompt deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (SC)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I applied for and got approved for a Chase XXXX XXXX XXXX XXXX  on XX/XX/XXXX, while there was a promotion to earn XXXX points when you spend {$4000.00} in the first 3 months, rather than the usual XXXX points for doing so. I spent {$4000.00} in the first 3 months, but only received XXXX rather than the promised XXXX points. I messages Chase on XXXX to get them to fix the issue, and had them state, while providing absolutely no information, that my account is ineligible for the extra points. I have numerous evidence in the form of dated articles written during the time of the promotion about this deal being active on the date that I got the card. I have attached a XXXX article which clearly states that the promotion started on XX/XX/XXXX. I got the card on XX/XX/XXXX. The promotion closed on XX/XX/XXXX.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX while I was home in XXXX NY someone who had intercepted my debit card and researched my mobile carrier info went into a XXXX store in XXXX CT pretending to be me. They requested an E-SIM card transfer from my phone to their phone. XXXX XXXX was the representative helping them and sent out a text message request for me to authorize this transfer. I did not see the message and never replied to it. She authorized the transfer anyways. This exact sequence of events is documented and I have the memos given to me from another XXXX store front. Once this person had my E-SIM card and debit card they were able to find my information in my phone to use my card. They spent thousands at an XXXX XXXX in XXXX XXXX CT, XXXX XXXX XXXX in XXXX XXXX, took out thousands at ATM ( s ), and CBP transferred thousands. I did not receive any fraud text as my E-SIM card was stolen, and chase allowed {$29000.00} to leave my account in hours. I called in to file a claim on all the fraudulent activity, to which Chase declined. First they said due to their being too many claims on one account they denied my refund. Then they said that because they found my card PIN they assume it was me and nothing can be done. I filed a police report the day after the incident and before I could finish explaining what happened the police officer already asked if I had XXXX XXXX XXXX also said there are thousands of cases like this, and that XXXX will not cooperate to find anyone. In an attempt to reopen Chases investigation I faxed in all the memos proving I was XXXX swapped, a copy of the police report, a hand written letter explaining what Im explaining here, and a letter from the detective attesting to what Im saying. They denied that as well. All I would like is for my money to be returned to me at any capacity.
Consumer complaint received 2015-10-26
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Failed to pay service provider. Will not communicate. I am an independent fee appraiser. Nationstar ordered a foreclosure appraisal through the Dept of VA. they will not pay or communicate with me. I have sent several billings, put into collections, requested help from the VA and still have not received payment. Due to not communicating, I am filing a complaint and a congressional inquiry.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On XX/XX/XXXX Made a Payment To Capital One For ( XXXX ) On XX/XX/XXXX ) That Was Returned Never got it Returned To My Account? Then I Went Paid XXXX XXXX & XXXX XXXX TO CAPITAL ONE THEY BOTH GOT RETURNED CAUSE CAPITAL ONE DIDNT EXCEPT MY XXXX XXXX XXXX? An thats what I thought My payment Got Returned? Thats a lot of money Gone? So I went an closed my account they shut off without any reason? Deleted my XXXX XXXX no Reason Nothin so I Cant Have No report on My Accounts I had? Ive got A lot Of Screenshots Of Everything from the XXXX Payments To Capital One?
Consumer complaint received 2024-01-13
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. (NY)

Today, XX/XX/, XXXX XXXX reported my TransUnion score dropped XXXX points. XXXX XXXX shows why a change occurred ; it shows that there were 6 changes. However, none of the 6 changes that occurred can reasonably be what caused a XXXX point drop. The 6 changes were : a balance increased {$190.00} on one line of credit account ( not a major change to trigger a XXXX point drop ) ; a balance decrease on two separate credit cards ( I emphasize " decreases '' ), and 3 name of creditor changes ( each was for the same creditor though, XXXX ). This is very strange. I have screenshots to share. In sum, one {$190.00} increase on one line of credit, 2 decreases on two separate cards which are a good thing, and 3 name changes should not trigger a XXXX point drop in a TransUnion credit score.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-01-13
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. (IA)

The following information reporting on my profile is a part of an ongoing criminal investigation. I have submitted a copy of my police report, I urge you to verify this with the FTC, and also the proper authorities. 

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 FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

I had a credit card with Truist Bank for several years. In XXXX, I received a notice that the account was charged off because of lack of payment. The card was already closed much earlier due to fraud and there was no balance. XXXX too XXXX XXXX  the to investigate and then finally admitted they were wrong. In XXXX I complained to the better business bureau as my credit report was still showing the error. A rep from Truist said that they alerted the credit bureaus and it could take a month to see it removed. As of XXXX  XXXX XXXX it is still on my credit report. I reached back out to the Truist rep to get proof that they sent the documentation to the credit bureau but they will not respond. I need this taken care of immediately and there is no one at this bank who will handle it.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

I have closed a credit card account because i havent had use the credit card for a year and the company started charging monthly account fee. Since Ive had closed they started charging me interest on interest, claiming that the last charge before the account was closed wasnt paid. The big problem is that the interest they are charging me is XXXX XXXX and when I tried to resolve the issue with them, they simply said that I have to pay the full amount. This is not fair.
Consumer complaint received 2024-07-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC (AL)

I took out a business loan with Bankers Healthcare Group, LLC. The amount was I was in an automobile accident where I was injured and had to retire as a Police XXXX after 23 year. I borrowed $ XXXX payments were {$1800.00} a month. However I retired and could not afford the payment. I attempted to pay {$100.00} dollars a month but the company would not accept this amount and attempted to set it's own amounts for me to pay. Now I received a summons to appear in court in XXXXXXXX XXXX XXXX My income drastically decreased because of me having to retire. I live in XXXX XXXX  and can not come to XXXX XXXX 

Bankers Healthcare Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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. (MI)

The Executors scrutinized the surety report and identified several cases where the report was accessed and shared without proper authorization. The mentioned accounts were not granted approval to access the Executor surety report, XXXX XXXX, and there was no direct benefit received by us. These credit accounts were nonconsensual, and we do not recognize them. Unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-13
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. (FL)

Accounts not mines. Need them removed. These items have caused severe hard to my reputation, my character, my mode of living and to my family! I need the following accounts deleted. 

XXXX XXXX account number : XXXX account total : {$2300.00} Date Opened : XX/XX/XXXXXXXX  XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  account balance : {$1600.00}