davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report XXXX  being one of them. I obtained a police report on XXXX and submitted it directly to XXXX  because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now XXXX has sold this deb to halsted and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed
Consumer complaint received 2023-09-25
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. (WI)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. have evidence to prove my case!
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am disputing the inaccurate reporting of the accounts on my credit report. Upon connection with the respective companies, it was proven that an error occurred. Furthermore, assurances were provided over a phone call that the accounts would be promptly removed. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already deleted the accounts from my report and so I request that you take immediate action to delete these erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MO)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed listed int attached document.
Consumer complaint received 2018-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

I was notified through a credit alert that a new collections was placed on my credit report. I contacted the collection agency to explain that I never received anything in writing that I owed this debt. I was told this account was open in XX/XX/XXXX and the account was in a name I havent used since XX/XX/XXXX. I have never lived at the said address associated with the account. Also I filed Chapter XXXX in XX/XX/XXXX and if this was a debt I owed it would have came up way before now. I would like the error to be removed from my credit reports now. The collection agency only wanted to talk about how I was going to pay the debt and not provide me with a letter to validate this debt Original Creditor Name XXXX XXXX XXXX XXXX Amount due : {$120.00} Opened XX/XX/XXXX ( 1 mo ) HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2023-09-25
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. (WI)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 



Also they aren't even in compliance with metro 2 credit reporting. have evidence to prove my case!
Consumer complaint received 2023-07-07
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: EQUIFAX, INC. (MI)

I am filing this CFPB Complaint letter to formally request an investigation into and correction of the erroneous account that appear to contain inaccurate and incomplete information on my credit file, as mandated by the Fair Credit Reporting Act. Specifically, I would like to address the discrepancies related to the following account : XXXX XXXX XXXXXXXX Balance : {$3100.00}. I kindly request a thorough review of the Payment History associated with this account. It is imperative to note that the reported late payment history does not accurately reflect my payment behavior, as I firmly believe that I made timely payments. I urge the Credit Bureaus to rectify the erroneous late payments associated with this account promptly. It is essential that the Credit Bureaus ensure the accuracy of this reporting by revising and updating the information in my file accordingly. I expect any necessary corrections to be made promptly and for my credit file to be updated with the accurate information. I trust that the Credit Bureaus will conduct a comprehensive investigation into this matter and take the appropriate measures to rectify and update the information in my credit file as per the provisions of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (NJ)

I followed Geminin 's steps to link, add a bank account. They require a bank transfer for them to verify the account. I followed the steps, and my wire transfer was rejected/denied and transferred amount sent back to my bank account, I have asked many times for them to explain the reason for the return. I would like to start transferring money from my Gemini account to a registered bank account. They also mentioned that some banks don't need this verification process due to their affiliation. I have also asked if they can provide the names of banks that don't require this wire transfer process. I am not receiving any type of response. This is bad customer service! They don't have a telephone call center like my banks. Unfortunately, we have to wait for someone to respond to customer via email. Whoever oversees this company needs to check on how their company should be operating, treating customers? I was advised to try other crypto currently website. However, this particular one ( Gemini ) was referred to me by a friend. My family members and friends use bitcoin cryptocurrency. So, they wanted me to be able to receive bitcoin and be able to convert and send to my bank accounts to assist me with bills and other things. Gemini should be assisting me ( the customer ) with my inquiries. However they are not doing that.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. Account Number : XXXX
Consumer complaint received 2023-08-31
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. (TX)

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 XXXXl Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

According to the T & C of the Chase World of XXXX credit card : " As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend {$15000.00} in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase ; however, the following types of transactions wont count : balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. '' The total of all qualifying transactions on the card in 2023 was {$15000.00}, which means a Free Night Award should be issued. However, in discrepancy with the transaction report downloadable from XXXX XXXX XXXX XXXX XXXX, the account management team calculated the total of qualifying transactions by wrongly deducting transactions which were adjusted after qualifying for an offer. These transactions, totaling {$33.00}, belong to " buying products and services '' and not the " types of transactions '' including " balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable ''. These transactions should not be deducted as they are qualifying transactions according to the T & C of the card. Chase refused to correct the mistakes in their calculation and refused to honor the Free Night Award.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (VA)

I initiated a dispute with XXXX XXXX via Paypal credit in XX/XX/XXXX because I had attempted to return merchandise that I ordered on XXXX XXXX and did not receive express promised by the merchant. Paypal credit disputes agent advised me to hold the merchandise until Paypal hear from the merchant. On XX/XX/XXXX, I called Paypal after receiving a denied claim and XXXX an account manager. The account manager offered a {$40.00} credit for my poor service experience and advised me to return the merchandise to the merchant at the US address the merchant provided which I did and to call back with the XXXX tracking number which I did. I called back and spoke with an account manager name XXXX and provided him with the XXXX tracking number XXXX. The merchant purposely delayed in sending me a pre-paid return label and then kept begging me to keep the merchandise which I declined every time. Fast forward, when I went to check my Paypal autopay on XX/XX/XXXX I discovered the charge for {$190.00} was rebilled back to my account. I contacted Paypal and XXXX XXXX who advised she will have to file a new dispute and I needed to provide proof. It's been over 100 days. I called back and XXXX an account manager named XXXX who was very helpful. Today I attempted to upload my documents for my newest disputes case # XXXX and Paypal secure message tab keeps giving me error messages. I got my call escalated to XXXX. She hung up on me. I want her fired!!! They do not have a streamline disputes process. XXXX XXXX have their merchandise as of XX/XX/XXXX which I paid XXXX to send. PayPal needs to be penalized for not advocating for me. This is a cut and dry case.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HWARFIELD ( Original Creditor : XXXX XXXX XXXX )
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2023-09-25
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

HUNTER WARFIELD ( Original Creditor : XXXX XXXX )
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. XXXX PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (WA)

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.