davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Consumer complaint received 2023-10-10
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. (NY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
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: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My capital one account XXXX is not reporting on my XXXX report, It once was now it has disappeared it is showing on XXXX and XXXX. I have contacted both capital one and also XXXX
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (NC)

eliminate fraudulent inquiries that are on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hodosh, Lyon & Hammer, PC (RI)

I received the attached debt collection letter from the local law firm of Hodosh , Lyon & Hammer, falsely claiming that I had an account with XXXX XXXX XXXX and owed them {$12000.00}. The letter asked for a response before XX/XX/XXXX and also pointed me to the CFPB website to learn what my rights are. 

I will send a letter to this law firm denying their false claims, but first wanted to file this complaint after reviewing what the CFPB can do, because I am concerned with the age of this fake debt ( 14 years ) and that it is being pursued anew. I am glad I kept records of the difficulty I have had over the years relative to clearing serious identity theft.

Attached are police reports affirming that I was indeed the victm of identity theft on multiple occasions over 20 years ago. I continually had to fight new charges or new accounts that would pop up and did not belong to me. In early XXXX, I worked with a reconciliation representative of XXXX XXXX XXXX ( XXXX XXXX XXXX  ) to go through two accounts to determine what was my debt and what was the additional debt caused by identity theft. We came to an agreement of two different amounts and I authorized XXXX XXXX XXXX to deduct those funds from my bank account. They sent me two confirmation letters stating nothing further was owed, also attached. 

But a third XXXX XXXX XXXX  account also appeared in XXXX. They alleged I had their " XXXX XXXX  '' credit card ending in # XXXX ( see statement sent to me ). None of the $ XXXX owed was my debt. I never travelled at the time and received no financial benefit from this travel card. I contacted the same reconciliation department who determined that XXXX XXXX XXXX XXXXould provide me no written proof that I had ever personally applied for their " XXXX XXXX '' promotion. ThereforeXXXX XXXX XXXX XXXX  was not authorized to deduct funds for this debt. 

It appears XXXX XXXX XXXX bought the old false XXXX XXXX  XXXX credit card account ending in # XXXX, and hired the Hodosh law firm to falsely claim the debt was originated from them. Again, I have never had a XXXX credit card and am disputing I owe them any money whatsoever.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

I have been doing business with a Financial Institution for Quite some time and have been a model customer and investor with this bank making EVERY payment with this company ON TIME. In XXXX XXXX XXXX I was charged with an erroneous ( 30 day ) late on my XXXX, XXXX, XXXX report. The payment was made well ON TIME, but the company decided to take it upon themselves to apply the payment to a 'low ' escrow account therefore bypassing my loan payment and marking it as a late payment on my report. I was NEVER contacted or notified that this was happening. If I would have been told that my escrow was low, I would have made the payment immediately as I STILL maintain an impeccable payment history with NSTAR/COOPER. Pursuant to multiple codes within 15 U.S. Code 1681, this company is in direct violations of the Fair Credit Reporting Act. THE LAW CLEARLY STATES. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I tried to repeatedly remedy this with the Company but was flat out ignored. I have experienced great hardship over this ridiculous situation and have miss out on many financial opportunities because of this folly on my name. The damages I have suffered have been great. This company has violated 15 USC 1681s-2 as well, in reporting information that is clearly incorrect. Pursuant to 15 USC 1681n AND 15 USC 1681o, Willful and Negligent Noncompliance, I will be seeking damages if this issue does not get rectified immediately. I have a refinance coming up on XX/XX/XXXX that I will not be able to take advantage of due to this erroneous information on my credit report if this doesn't get rectified by then. Please update the late payment on XX/XX/XXXX to PAID ON TIME/NEVER LATE on my report with ALL THREE bureaus or I WILL BE FORCED TO SEEK EXTENSIVE DAMAGES IN THIS MATTER.

I will also be submitting a complaint with the XXXX  as well if this matter isn't resolved by XXXX XXXX. I have attached a screenshot of my account of what happened and the screenshot of the late payment as well.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/21, Deposited XXXX payroll checks totaling {$1200.00} into CHASE CHECKING Account # XXXX. I Tried to use debit card, days later and account was closed. Tried to login via computer and was not able to get access as account was closed. I have called the XXXX # approximately XXXX to XXXX times during the course of the past year, they claim that the need to " SPEAK WITH THE MAKER OF THE CHECK ''. I no longer work for that company and they moved to a new location and changed their phone number. Chase states that the new phone # for the business is not listed on their internal system, I have been getting the same " NEED TO SPEAK WITH MAKER '' for more than a year, as of the time of this complaint filing.
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TN)

I got a car XXXX XXXX and since I've gotten the car it's been nothing but issues. Santander is the lending company I've been dealing with. I'm on a fixed income and have talk to multiple people about it. I pay what I can and sometimes pay multiple times a month but the late fees seems to be either the same or more than the actual note. Lately they have been calling and threating repossession. Ive talked to them about what i need to pay to get my car out of repossession and I have been able to pay that amount. There is a 3 day holding when I pay. When I get the confirmation that I paid the calls stop but as soon as they take the money out of my account they are back calling me saying my car is up for repossession. I have tried multiple times to talk to somebody about help and they constantly deny me. Then when I find someone who is willing to give me the information I need to fix it. I get a call from someone else back telling me that I need to pay the full balance immediately.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

Cancelled Chase Sapphire card in XX/XX/2023. Was told, on recorded line, that yearly fee would be credited and account closed. Received statement with yearly fee, late charges and interest. Attempted to resolve with customer service. Told that some, but not all fees can be credited. Ask to speak with supervisor and told, in recorded line, that could not.
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I receive calls from PRA several times a day every single day 7 days a week. They took legal action but still call me every day. I filed a dispute and never received results from them. They call and pretend to me lawyers and threaten me with all kinds of things. Very unprofessional
Consumer complaint received 2023-10-10
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)

XXXX XXXX XXXX, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as two different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITY NATIONAL BANK (NV)

In XXXX, while I was away playing professional basketball overseas, my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX. I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.
Consumer complaint received 2023-12-03
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. (NH)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete the below illegal accounts from my XXXX, Transunion, XXXX credit reports XXXX XXXX 30 day late payment Bank XXXX XXXX account # XXXX
Consumer complaint received 2023-10-10
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

On XX/XX/, I disputed my transaction with XXXX, a house inspector company. XXXX, the owner of XXXX, stated that he never spoke with me or communicated with me in any manner. I have sent Chase proof that we did, indeed, communicate on XX/XX/XXXX at XXXX XXXX. I even resent more proof of set messages. I explicitly stated to them that the report was flawed and that he didnt perform a thorough job. For instance, he did not inspect my roof. He falsely alleged that my skylights would leak and they have not. He stated the flashing was missing, which it is not. My flashing is built into the skylights. I attached receipts from the XXXX XXXX that prove the flashing is in the skylights ( built-in ). If he were a professional, he would have known that. He also stated my stove was not converted properly but it is. He did an insufficient job and he rushed through the job, which he admitted to when he wrote I did the job in haste- which I have emailed Chase proof of prior to this letter. I also had another home inspector come by and perform a thorough job and they wrote a letter out of courtesy to Chase explaining that the report was falsified information. I was willing to negotiate with XXXX, the owner, but he clearly stated I do not negotiate. I have done all I can on my end but I refuse to pay full freight for a sloppy job with inaccurate results. Chase denied my claim a day after I submitted it -- not the greatest customer service! I am very disappointed that they haven't taken my dispute seriously at all.
Consumer complaint received 2020-03-30
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: ERC (PA)

ENHANCED RECOVERY COMPAN Reported : XX/XX/2020  {$660.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (NY)

I am writing to delete the following information on my Consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my Consumer report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family and also trying to start my kids a business.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-10
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.