davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

I got notified of a collection account from the 3 credit bureaus about a debt collection from a company called XXXX XXXX XXXX. I do not recognize the company or have ever done business with the company. no debt validation letter was mailed to me or any details of how I got a loan through them. 
A debt validation letter was requested and none was ever sent and for this reasons I have the right to sue the bureaus for furnishing my account with unverified information which is affecting my credit and preventing me from certain benefits that require credits. 
I request the bureaus take out this information on my credit score or provide me with the neccessary information that they have that suggest I have done business with XXXX XXXX XXXX and the collection account is mine starting from sending me a debt validation letter if they fail to provide this then they must remove the collection account from XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Thursday XX/XX/XXXX I sent a XXXX  transfer of {$2900.00}. The transaction immediately stated pending review and the funds were removed from my checking account balance. I received a email on Thursday XX/XX/XXXX of the pending review and immediately contacted Bank of America on XX/XX/XXXX to see what is going on and If I can provide any additional information that could speed up the review to assist with my XXXX transfer completing. When I contacted on XX/XX/XXXX I was told there is no information needed from me at that time since the email didnt say to contact them. On the morning on XX/XX/XXXX Friday at XXXX XXXX I received a email stating to contact Bank of America regarding the transaction with a case ID in the email. I contacted them on XX/XX/XXXX at XXXX XXXX and spoke with someone and provided them all of the information requested and let them know the urgency of the request as it relates to my Wedding. They let me know that they can not provide a timeline but that most likely within 2 business days this should get resolved. Today Monday XX/XX/XXXX, I contacted the same phone number and spoke with someone named XXXX who was rude and unprofessional speaking over me on the phone and requested an update and he responded saying that today is the first business day this case has passed and that there is no update and I requested to speak to a supervisor and was connected to XXXX who stated that there is no escalation path to expedite the review of this transaction, and that there is no way to intervene for a customer to escalate the delay or expedite in any way. 

I also would like to mention this transaction review was initiated by Bank of America over XXXX discrimination due to not understanding the language written in the comments of the XXXX  transaction which was in XXXX  written with XXXX letters, where as my transactions with comments in XXXX written in XXXX get transferred immediately, but in this case due to it being written in another language the transfer is now being reviewed. This situation does bare resemblance to the case CFPB handled with the discrimination of XXXX  Americans by XXXX that was announced by CFPB in XXXX, and this is unacceptable on part of Bank of America.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/year> is reported on my credit as an hard inquiry that I have not applied for or notice until checking my credit, when I called XXXX XXXX they took off the wrong account and made my new card get closed and messed up my score.
Consumer complaint received 2023-12-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

I rented an apartment for my daughter for her senior year at XXXXXXXX XXXX. I signed a 1 year lease from XX/XX/XXXX through XX/XX/XXXX. My daughter graduated in XX/XX/XXXX and I notified " XXXX XXXX XXXX XXXXXXXX XXXX '' that I would not be renewing the lease come XX/XX/XXXX. Mind, during the time their were a couple of months were I was late on the rental payment and the XXXX reached out if I was a day late and until I learned how to use their payment portal, I paid over the phone with a credit card. 

We cleaned out the apartment over the summer of XXXX and come the end of XXXX, turned in the apartment keys to the onsite management office. 

A year goes by and I start getting collection calls and letters from National Credit Systems , Inc. stating that we owe {$3800.00}??? ( Client Acct # XXXX and NCS Acct XXXX XXXX? ) XXXX XXXX ( landlord ) never reached out to me saying that I owed that money! They were real quick in contacting me during the year my daughter was there if I was late on the rent but no reach out after we left. They should have sued me and I would have met them in court! 

This is now on my credit report!!! 

Is there anything that can be done to resolve this?
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2024 at XXXX and XX/XX/2024 at XXXX, I was contacted by XXXX ( XXXX ) XXXX. When answering the phone both times, one time while I was at work ( XX/XX/2024 ), and the other time, during dinner with my family ( XX/XX/year> ), by a representative from XXXX XXXX XXXX XXXX XXXX. I was also contacted by a different number, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2024, at XXXX by a representative from XXXX XXXX XXXX XXXX XXXX XXXX Because I was tired of XXXX XXXX XXXX XXXX XXXX, trying to call and harass me, I decided to call back XXXX minutes later, at XXXX, after receiving the XX/XX/year> phone call. After dialing the XXXX ( XXXX ) XXXX number back, they immediately asked who they were speaking with, after stating that the call may be recorded. I proceeded to tell them that my name was XXXX. I asked representative who answered my call who I was speaking with and she stated that she was from XXXX XXXX XXXX. She then stated that she couldnt tell me anymore information until I told them my last name. I proceeded to tell them XXXX. The female representative then stated that they were attempting to collect debt that I owe from a TJX Rewards Credit Card. I told the representative that I have never had a TJX Rewards Credit Card, and that I dont owe any debt. I also proceeded to tell the representative to stop contacting me or that I would both press charges and take legal action if XXXX XXXX XXXX XXXX XXXX contacted me again. The number that they contacted was XXXX. According to XXXX XXXX XXXX website, that the representative referred me to, XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, there phone number is ( XXXX ) XXXX, and there email is XXXX. It is a true and a factual statement that I have never opened up a TJX Rewards Credit Card Account, and that I do not owe any debit to XXXX XXXX XXXX XXXX XXXX. I am requesting assistance to help stop XXXX XXXX XXXX XXXX XXXX from harassing me any further about a debt that I do not owe.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On or around XX/XX/year> Transunion reported an unauthorized inquiry from XXXX XXXX. I never authorized this credit pull. And Transunion is illegally reporting this unverified unauthorized transaction. They are in federal violation of 15 USC 1681
Consumer complaint received 2024-03-04
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 am writing to your office in relation to my ongoing concern regarding inaccuracies in my credit history, which, despite my previous communication, remain unaddressed. 

As previously stated, the disputed accounts were : XXXX - Account # : XXXX, XXXX - Account XXXX : XXXX, and XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX, continue to be incorrectly reported on your records. 

I have previously informed you that these discrepancies have been rectified and deleted on my XXXX credit report. The inconsistency between Transunion and XXXX report with that of XXXX prompts questions about the accuracy of their verification processes. It is disheartening to see discrepancies tolerated, as it appears to be a violation of my consumer rights under the 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

As per my comprehension, this law entails that upon notification of a dispute, the consumer reporting agency should conduct a reasonable reinvestigation within a 30-day period to determine the accuracy of the disputed information and remove them from my credit report if they are found to be inaccurate. Despite previous attempts, the inaccuracies still persist on my credit history, causing significant mental and emotional distress and affecting my reputation and my credit ratings. And still, you continue reporting the same inaccurate accounts on my file.

I am asking them to take immediate action to rectify this situation and ensure that my credit report accurately reflects my true credit history.

I want to bring to their attention the potential legal implications outlined in the Civil liability for negligent noncompliance. Negligence in complying with the requirements may result in liability for actual damages and legal costs.

I urge these credit bureaus to promptly correct and delete these inaccuracies to align with XXXX 's records. I believe this is crucial not only for the accuracy of my credit history but also to uphold the standards set by consumer protection laws. 

Your immediate attention to this matter is appreciated, and I anticipate a swift resolution to alleviate the distress caused by these inaccuracies.
Consumer complaint received 2024-04-27
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. (AZ)

I have been a victim of identity theft, I made XXXX, TransUnion and XXXX aware of this since XXXX of XXXX. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : XXXX. XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  XXXX Date of inquiry : XX/XX/2023 XXXX. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (UT)

My income was garnished by Wakefield and Associates, LLC The response provided to the CFPB stated that the creditor XXXX XXXX, placed an account with Wakefield on XX/XX/XXXX XXXX XXXX, and that an initial notice was sent to me that same day. I have never done business with XXXX XXXX and dispute the debt they claim I allegedly owe. I request validation of the alleged debt is provided by Wakefiled and Associates, LLC. ln addition, I never received the notice they claim they sent on XX/XX/XXXX. An XXXX  judge granted me XXXX XXXX  to continue my XXXX  process in my home country of XXXX. I left the country on XX/XX/XXXX. I was out of the country for three years. I have attached the Department of Homeland Security U.S.

Immigration and Customs Enforcement XXXX XXXX and XXXX XXXX XXXX, and the Homeland Verification of Departure, which validates my departure on XX/XX/XXXX. I did not have a US mailing address or property address during that time. Therefore, the statutes of limitations of the alleged debt had passed in the state of Utah, when my funds were garnished as an initial contact was not made. I was also not sent the Writ of Garnishment, which violated my right to appeal the garnishment and appear in court. I became aware of the garnishment until my income was garnished with my employer. I had to contact my employer for them to send me a copy. I have the email with the date stamp as proof. The garnishment amount was {$1800.00}. Please assist in obtaining the documents that validate the alleged debt was owed under my name. I was never contacted by Wakefield and Associates, LLC, have never done business with XXXX XXXX and the garnishment was in violation of the statute of limitations on debt in the State of Utah. I seek a refund of those funds. I have also contacted the State of Utah Office of the Attorney General.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

in accordance with the Fair Credit Reporting Act Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I tried to send money from my checking account to my savings account. I accidentally sent the money to the credit card. Meaning I made a payment of {$1000.00} accidentally. I immediately called and told them that it was a mistake and they said they would refund it but it may take up to 90 days. After over a month I went into the bank for an update and realized they had lowered my line of credit by {$1100.00} on XX/XX/XXXX and they said that since returning the {$1000.00} would put me over my credit limit that they would not be refunding my money. I believe that because I called and told them it was a mistake and the fact that they told me they would refund it that I was wronged. They lowered my line of credit the very next day so they would not have to pay me back.
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I have a collection on my XXXX from Transworld systems/FPL for XXXX Dollars i was never notified about the debt or never signed anything giving artherization owning up to anything as a matter of fact the collection formed in the year 2019 i was incarcerated i have been calling XXXX and XXXX for months i would like this collection removed off my credit report immediately please i just got released from institution i have nothing no family no where to go and this collection is stopping me from achieving any goals.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OK)

As you can see from there statement they apply payments the way they want. You do not know why the pained is not going to the loan or they hold it in unapplied XXXX and call it a partial payment. I have not made any partial payments. This is not going to be held and then show that you have a balance or {$790.00} owed from the month before. This is one full payment that hey have split for what ever there reason. I am enclosing 6 months of payments to show that all of these payments were made per what they stated and now we have a new and different amount. Please help and look at why this never gets fixed.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Amount of Debt : {$XXXX} Date of Service : Unknown Provider of Service : XXXX XXXX XXXX XXXX XXXX Dear Medicredit ( Collection Agency ), I received a bill from you on XX/XX/2023 and as allowed under the Fair Credit Debt Collection Practices Act ( FDCPA ). I am requesting that you allow me to validate the alleged debt. Additionally, I am allowed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to protect my privacy and medical records from XXXX  parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX or any of its affiliates to release my medical information to a XXXX  party. I am aware that the XXXX does allow for limited information about me, but anything more is only to be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and XXXX authorization. Please provide breakdown of fees including any collection charges and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Consumer complaint received 2024-01-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX XXXX to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. 

CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX ) to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. Notified XXXX that I have not received the first check and can he find out the status. No updates available. 

Every other bank institution that I have dealt with have sent the funds electronically with XXXX business days.
Consumer complaint received 2024-06-10
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. (NC)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2021-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Fraudulent Account in my Credit Report : XXXX XXXX XXXX XXXX ( Three Accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX This Account is Not Mine and They are affecting my credit