davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I have 2 XXXX XXXX XXXX and Portfolio Recovery Associates reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and XXXX XXXX XXXX. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from XXXX XXXX XXXX sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.
Consumer complaint received 2023-05-10
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: ENCORE CAPITAL GROUP INC. (SC)

XXXX is reporting duplicate accounts on my credit file. Midland Credit Management and XXXX XXXX XXXX  ; XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  are attempting to collect the same accounts and reporting on my credit file duplicates.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Bank XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # 1486 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( 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 A CRIME WHICH ANTEDATES THE REPOT 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 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

XXXX  XXXXXXXX XXXX XXXX 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 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 antedate 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 2023-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On my XXXX score has a {$5500.00} debit from Bank of America that I do not recognize, date opened was XXXX XXXX, I moved in this country in XXXX.
Consumer complaint received 2019-06-03
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (NJ)

On XX/XX/2018 I filed the Deed-in-lieu paperwork for the existing reverse mortgage that is held by XXXX XXXX. The Reverse Mortgage Servicing Department stated this process would take 3 to 6 months to complete. We are now entering the 9th month and the DIL process is costing the estate many months of additional insurance payments and real estate taxes that need to be maintained and paid on the property. 

I attached a WORD doc with a chronological order of email correspondence between myself and XXXX ( rep ) of The Reverse Mortgage Servicing Department.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MI)

Nissan motor Corp has passed their statute of limitations being on my report, and The irs defines a charge off or cancelled what is gross or ordinary income income does not get reported on the account they have been reporting a closed account on my consumer report, thats inaccurately reporting on my report. furthermore they have reported tax fraud. The continued reporting of this inaccurate information is a clear violation 15 usc1681s-2 ( a ) ( 1 ) Duty of Furnishers of information should be reporting FAIR and ACCURATE. 15 U.S. Code 1692c ) This has caused me, and my family sever harm due to your negligence, and inaccuracte reporting. My right to refusal, post-sale letter, how the post sale was broken down, how do i owe what i owe. arms lenth transaction was never mails to me, Theres an insurance in my finance charge that protects the creditor in the case of the the obligor and defaults and if theres a default, which is what a position comes out to be the depot in the payment, they collect it on that insurance already.
Consumer complaint received 2019-06-03
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: Experian Information Solutions Inc. (CA)

Please reverse the late payments reported on the following accounts : XXXX  XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-08-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2016-06-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Home Community Mortgage underwriter is requesting that I provide a letter of explanation, signed and dated, regarding the sale of a 2014 XXXX that I owned. I was not selling the vehicle to provide funds to close -- not for principal, not for closing closts. The lender was also requesting that I provide proof of ownership, the valuation from the third party, and the proof of transfer of ownership. I no longer had any of that, and it does n't matter, because it is not material fact germane to the mortgage. I already have all the required funds for principal and closing costs in escrow when I sold my XXXX! There is no reason at all why they should be asking about it.
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXXXXXX  I sent a wire from my account at XXXX XXXX  to another business account at Wells Fargo Bank in the amount of {$3900.00}. I am in the music entertainment media industry and the proceeds were commission for an artist. Wells Fargo denied the wire requesting additional information for a name that was input in the memo field. This has nothing to do with the business in which I sent the wire to. I am unable to provide them with the information they are requiring because it is personal information of an individual who is referenced in the memo field. This has nothing to do with the beneficiary who is receiving the wire. I requested a recall on the wire, and they are refusing to return the money stating that its mandatory that I provide information for an individual referenced in the " memo '' field. This is unlawful and has had an impact on me conducting business. Not to mention the negativity it has had on my reputation. I need the CFPB to intervene so that I am able to retrieve my funds. Please see details below ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX- XXXX XXXX XXXX ( Wells Fargo ) Date wire initiated- XX/XX/XXXXXXXX  Amount- {$3900.00}
Consumer complaint received 2023-12-15
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-05-10
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, two unauthorized charges were made to our Chase XXXX XXXX credit card. One was for {$410.00} to XXXX XXXX XXXX ( restaurant we have never heard of ) and one was for {$600.00} to XXXX XXXX. Chase contacted us about these charges and we confirmed that they were unauthorized by us. I sent a letter both to Chase about the fraudulent charge and to XXXX requesting information ( by certified mail -- I never received a reply ). We both tried to speak to someone at XXXX. It was difficult to get any live person on the phone or get transferred to the correct department, and the employees seemed reluctant to give any help or information. Finally with the help of a Chase fraud dept employee on a two way call, we were able to get the information from XXXX that the charge was made online, in my husband 's name, between XXXX and XXXX, ticket # XXXX, and no one showed up to use the ticket. We tried to get XXXX to call it " invalid billing '' and/or give a merchant credit, but they would not. I also filed a report on identitytheft.gov and followed all the recommended steps on their website. In XXXX Chase ruled that the XXXX XXXX charge was not a billing error. I ( probably mistakenly ) did pay the charge included in our balance that month, as we try to pay our credit card bill in full each month so there is no interest charge. I re-disputed the charge, and we have just received ( XX/XX/XXXX ) a letter from Chase saying that this is not a billing error. We did not make this purchase! We believed that the credit card company would protect us against fraudulent charges, and I want to know who can advocate for us to ensure that Chase honors this. We have charged thousands of dollars on this card over the several years we have had it, with never a late payment -- surely they can treat us as loyal, respected customers. I don't know why one of the two fraudulent charges was reversed, and not the other. If they will not cover this amount we will close our account and have no future dealings with their company.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
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: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXX days late
Consumer complaint received 2018-09-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX had made a claim that I had owed {$1100.00} dollars on a collections account. The original creditor was XXXX XXXX/GE Retail Capital Bank. This was for a XXXX credit card. The true original amount owed was {$1100.00} I had agreed to pay {$950.00} in exchange that they would list this on my credit report as paid in full and also list this as a paid collections. They had failed to live up to their bargain. They had listed the account as paid in a settlement. That was against what our agreement was stated. Also XXXX XXXX Associates had marked my credit report as failed to pay in XX/XX/2016 just a few weeks after accepting my payment of {$950.00} in XX/XX/2016. By XXXX XXXX listing this as a failed to pay item well after it was paid had lowered my overall credit score. I have on many occasions called XXXX XXXX and had asked nicely for them to make corrections to my credit reports. They had refused to make any corrections and or updates. They had stated that it was an error within the credit reporting agencies such as XXXX. As to my understanding the credit agencies only report what they are provided by the creditors and collections agencies.
Consumer complaint received 2023-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McNeil & Meyers Asset Management Group, LLC (OR)

I had an account through XXXX XXXX I called XXXX On Wednesday XX/XX/2020 at XXXX I tried calling to make a payment. But they would not allow me to make that payment. Because they tried telling me that was a month behind. But i have proof of all the payments. They refused to take my payment unless I made a double payment to them. 

I never got a phone call, I never got a letter from this company. And they sent my account to collections. And I never got a letter for that either. And never got a phone call. 

I have a right to privacy and this collection account that does not rightfully belong on my report is damaging to me. I now can not have a roof over my head and causing me to be homeless. This company and the collection agency MCNEIL & MEYERS RECEIV can not collect on money I do not owe. 


Article 3-603 ( b ) refers to the tender of payments using negotiable instruments ( checks, bank drafts, and so forth ) and, if the payment is refused, the amount of the tender is discharged.
Consumer complaint received 2023-12-15
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: CITIBANK, N.A. (FL)

I attempted to purchase {$270.00} of items from XXXX XXXX XXXX merchant back on XX/XX/2023, order # XXXX. I was supposed to receive the items within 10 days. I did not receive anything. I tried MULTIPLE times by email and phone to reach XXXX XXXX and no one responded other than initial vague email about a delay due to weather issues. After waiting like 2 months and hearing nothing, I did some research and found they routinely do this to their customers. They either never deliver the items or, when finally tracked down and hounded, they deliver items of lesser value. According to reviews I read, they even pour out the vintage wine and replace it with wine or who knows what of lesser value, significantly less value. Also, their store front is never open and people openly wonder if this is some sham money laundering operation. I am shocked that alcohol, tobacco & firearms is not investigating this company. So, frustrated at the lack of response and no longer wishing the items, I complained to Citi and they started to research. They first credited my account and then they just reversed the credit. XXXX XXXX simply sent them proof of my order - yes, I ordered the items but I NEVER RECEIVED THEM!! So that is fraud. I don't know what Citi 's problem is and I also find it shocking that someone does not look into this very sleazy operation in XXXX. I asked a local wine merchant here and he told me that XXXX XXXX XXXX is notorious for charging customers for vintage wines they never deliver ( or they deliver something that is not the actual product - like pouring out fine champagne and filling it with a cheap substitute or who knows what ). What does it take for the govt to do something about wine fraud? It is not even safe for them to be pouring out fine wine and pouring who knows what into these bottles and sending it to people. Isn't that supposed to be regulated? Also, what evidence does Citi need just to send me my refund? Seriously? Thank you, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.