davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA XXXXXXXX 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 2021-10-20
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. (TX)

I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-09-16
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report.
Consumer complaint received 2023-06-26
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: CREDIT ACCEPTANCE CORPORATION (OH)

theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debt. Credit acceptance is still to this day pushing 120 days late on XXXX payments. Its killing all efforts to buy a home. Please help with this and take credit acceptance off of my XXXX and XXXX credit reports. Please
Consumer complaint received 2023-06-09
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. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific inquiries in my document coming about because of the wrongdoing. The inquiries I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (OH)

I have not used Zelle in years, I used to use it only to pay my babysitter more than 5 years ago until one day they locked my account. They were less than helpful at resolving this so I just let it stay that way. 
Recently I was performing work for a homeowner and she mentioned she wanted to pay by Zelle, u told her I didnt have one. 
Friday XXXX I tried to login to Zelle and got a message saying my account was permanently locked. 

A few days later when I submitted my hours and my sisters Zelle number she said she already submitted payment to Zelle using my email address and it was showing as received. 
I contacted Zelle and asked them to return the funds to this customer because they accepted funds on my behalf on a locked account I couldnt even access. The representative told me theyd be returned after 14 days. 14 days isnt an acceptable amount of time for my payment to be in limbo. She said she unlocked my account and all I had to do was add a debit card to access the funds, so I relented. When trying to follow this process I received errors due to my phone number, had to call back, they said it was still linked to a previous bank I used that partnered with them, I had access to a different number so we tried that, but then it wouldnt let me link my email which is where the money was sent to. On call back # XXXX the rep said the only way forward was for me to jump through hoops and contact my old banking institution who I was just part of a class action against and get my phone number released. I requested they just deleted my info and not accept any more payments on my behalf, which is the crux of this issue. Zelle is accepting funds without permission and creating barriers for consumers to access said funds. If an account is locked due to their prerogative they should no accept funds for that account and reject them.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NV)

I'm an XXXX member, they sent solicitation emails asking to open a credit card ( offer XXXX bonus points plus earn {$100.00} in statement credits ). I applied, I received a letter indicating they thought my application was fraudulent. I emailed and sent the information and was told the same thing. I then called and sent my identification again. Months later, I have not been approved. They took my personal information and have not held up to their terms of their offer.
Consumer complaint received 2023-05-02
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: Volvo Car Financial Services U.S., LLC (MA)

In accordance to the Fair Credit Reporting Act. 

This creditor have violated my rights. 

UNDER 15 USC 1681 section 602 states I have the right to privacy.

UNDER 15 USC 1681 SECTION 604A section 2 States A consumer reporting agency can not furnish an account without my written instructions.

UNDER 15 USC 1666 B States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Re-submitting as I listed the wrong company... it's not originally owned by XXXX XXXX Portfolio Recovery acquired two debts XXXX XXXX and XXXX. Both bough in XXXX and XXXX XXXX  in XXXX. 

I logged into my bank acct and noticed a debit labeled GARNISHMENT and our acct had been emptied to a XXXX balance with both our electric bill and XXXX XXXX bills pending. I wasn't aware of anything except a payment plan he has with the IRS. Fearing that something had happened I logged into our IRS acct but everything was current. I told him I would log into our local clerk of the court site and see if anything was there because we had not received anything from anything. I saw a case from XX/XX/XXXX that we hadn't been notified about and clicked the link and it said Portfolio Recovery and a garnishment had been granted for {$1100.00} for my XXXX XXXX  acct. I kept clicking the paper symbols to view documents and eventually found one I was supposed to have received to submit information to contest the garnishment within an allotted amount of time ( I'm the head of household ), along with paperwork that XXXX XXXX  would have received as well. However, now the allotted time has passed to contest the garnishment. Also, the statute of limitations on the debt to peruse legal action has passed. The debt was sold off to Portfolio Recovery in XXXX, however, this debt hasn't been paid on in at least XXXX yrs and the statute of limitations in Florida to pursue debt with legal action is XXXX yrs. This garnishment shouldn't have been granted to Portfolio Recovery in the first place. I also plan on contacting the State Attorney General. I did file a complaint with the state attorney general on XX/XX/XXXX as well.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-02-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

If I disputed accounts on my credit report and all the accounts came back verified by Experian ; Experian should by law disclose who verified the accounts. Anyone can look up a company address and XXXX number this is not classified as verification its public information ; this is my third attempt to get verification. I XXXX XXXX sent a dispute letter to Experian in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Experian report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification 15USC 1681i. Experian has failed to send me names of persons who verified accounts. Rather Experian has asked me the consumer to follow up with furnishers instead of Experian showing proof of each person who verified the accounts I disputed. In my dispute results I was never asked why I was disputing each account, yet Experian verified all the accounts as accurate and when I asked for proof of the person that verified the account, Experian is giving me the run around showing proof. If these accounts were properly investigated Experian should be able to produce who verified each account, they are reporting as accurate.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've had collections from XXXX XXXX and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.
Consumer complaint received 2024-05-07
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (WA)

Last XXXX, I received a {$50.00} XXXX gift card as a gift. In XXXX, I activated it on XXXX and tried to use it at XXXX and XXXX XXXXXXXX XXXX  but it didn't work. I reported the issue on the website, where I had to enter the card number and barcode, and also take a photo of my ID. However, after three weeks with no response, I called and was told that someone else had tried to use the card, so it was suspended, which didn't make sense. When I mentioned sending my info through the website, they claimed they hadn't received it and asked me to fax it. Since I didn't have a fax machine, they explained I could use an app to send it. When I asked why my ID was needed, they said it was to verify that it wasn't fraud. It was all very strange. When I asked if there was an email option, they said they didn't have one. It's really strange in this day and age for a company not to have an email option. I faxed both sides of the card and my ID on XX/XX/year>. When I called on XX/XX/XXXX, they said they hadn't received the fax yet and asked me to wait five business days. On XX/XX/XXXX, when I called again, they said they hadn't received such a fax and asked me to send it by mail. I also talked to the supervisor, and she gave me the same response. I'm so frustrated that the issue hasn't been resolved yet, and I just can't understand why they need my ID. When I expressed my frustration, she didn't even apologize. She just told me to fax the documents again. I gave up after that because it was too frustrating. Then, a friend told me that they had solved a similar problem through your website, so I decided to write this.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PR)

Jefferson capital reference XXXX Original creditor XXXX XXXX XXXX XXXX We have an agreement that pay only certain amount. they give an discount not to pay all the amount that initial was. XXXX. We agree to it pay {$830.00}. 

I pay XX/XX/XXXX {$270.00} I pay XX/XX/XXXX {$57.00} I pay XX/XX/XXXX {$120.00} I pay XX/XX/XXXX {$120.00} I only own them {$250.00} between XX/XX/XXXX and XX/XX/XXXX. And my account of transunion said I own them more than {$800.00}. And that no true. I will appreciate your help.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AZ)

I have had my mortgage with Mr. Cooper since day 1 of house purchase. After 29 months of paying mortgage on time, XXXX payment was made XX/XX/year>. Mr. Cooper on XX/XX/year> made some adjustment to my account without notice or explanation resulting in the account now being past due.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

On XX/XX/year> I received a text message welcoming me to Capital One with a link to start an auto loan application. The full text is below : " Welcome to Capital One! Get your new auto loan rolling at https : //capital.oneXXXX You may receive more texts with timely info about your account. Msg & data rates may apply. Reply HELP to contact us ; STOP to opt out. '' I've never had an account or loan product through Capital One, and the enrollment link looked fishy so I did a quick internet search and it appeared to be legit. I went to www.capitalone.com to get their contact info as I didn't want to click any links in the text just to be sure. 

I went through the automated prompts and finally got to a representative in fraud. The individual asked me for my account number. After I advised I had no account number and it appears someone opened an account with my info fraudulently, she again asked for my account number. I asked to speak to a supervisor. She put me on hold and came back on the line and said she needed my account number. I advised again that this was fraud if an account was opened so I didn't have an account number. She said she could not help me because I wasn't in the system. At this point the only information she had attempted to gather from me was my first and last name ( with no spelling or anything ), asked for the best contact number for me, and my account number ( which again, is non-existent to me ). I made a comment that she hadn't even asked me for any information to attempt to locate me which she then asked for my social security number. I was uncomfortable at this point providing that information so I again asked to speak to a supervisor. I was placed on hold a second time and when the representative came back on the line she did a warm transfer to a " colleague '' to assist. This individual advised immediately that she could not assist me without an account number. I asked if this was the fraud department and she verified yes. I asked how the fraud department could not help with a potentially fraud account being opened and she said she never said she couldn't assist me. I asked to speak to someone else and she said she couldn't do that. I advised the representative that I would be filing a CFPB complaint. The representative quipped back that she would also be filing a complaint against me and asked if I wanted the confirmation number. 

This phone number was taken directly from capitalone.com and is XXXX. 

I just want to verify no account was opened or loan taken out in my name/with my information. I pulled one of my credit reports from XXXX ( XXXX ) but I know it may take some time for new accounts to be reported, and deposit accounts don't appear at all.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

HI This is XXXX, I am using Macy 's credit card. I had a payment due, which was to be paid by XXXX XXXX account by autopay. I paid money by XXXX XXXX XXXX account due to less balance in XXXX and it was done by autopay only. Their system didn't cancel payment from XXXX. Even after all payment done, Macy ; s credit card was trying to get momey from XXXX. I got a mail today and checked my XXXX account and there was balance of XXXX due to Macy ; s system trying to get money. I talked to MAcy 5 days back and they said, they got extra money and will send my check of that. How come a credit card company, with XXXX balance trying to get money, Big system failure I want Macy to reimburse me for charges done by XXXX. 
Top of it Macy already charged my XXXX dollar for bank refusal, well there was XXXX balance on my card.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (PA)

XX/XX/year> I authorized a transaction of {$310.00} from XXXXXXXX XXXX XXXX On XXXX XXXX XXXX changed the amount to {$2100.00} causing my account to go negative {$1800.00}. I did not authorize this amount. Its an invoice they sent me that I was disputing.