davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. (FL)

In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX. / / Acct # XXXX Acct Name : XXXX XXXX XXXX / / Acct. 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. 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 or any other adverse item of information, other than records of conviction 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 2023-10-31
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (VA)

A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX 2016 to present, there have been repeated attempts through Amazon.com to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an Amazon Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither Amazon or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both Amazon and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or Amazon. I should be sent notification that another attempted occurred, no action needed, and they have me protected.
This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't Amazon oor Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by Amazon and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with Amazon Chase, and if I was not calling every week to close out new requests that one would have been issued.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I sent you a letter via certified mail ( XXXX ) requesting debt validation for the referenced account. You responded on XX/XX/XXXX with a bill from a creditor. On XX/XX/XXXX, I sent you another letter via certified mail ( XXXX ), rejecting your response because a simple bill is NOT considered a " validation of debt '' by any means. Furthermore, this was unsatisfactory as proof that a debt is owed according to Texas Finance Code Section 392.202 and the CFPB 's standard. 

The letter mailed on XX/XX/XXXX again attempts to validate this debt and extends additional time for your company to comply with federal and state law. As of this date, I have yet to receive a response. This account is still reporting and has yet to be validated, even after a consumer request. 

Not only has this account not been validated, but it also contains numerous errors. When you received the two notices that this account was disputed, an investigation should have been conducted, per FDCPA and FCRA guidelines, and these inaccuracies should have been corrected. Because these inaccuracies remain, it shows that a proper validation was never conducted. 

This account has a last activity date of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Experian. If this one account was updated, then it should be the same for all credit reporting agencies. What I found to be very concerning is your reporting to Experian, which reports an Account Open Date of XX/XX/XXXX but has the last activity BEFORE the account was even opened. This is an egregious inaccuracy. Next, the account shows as open on XXXX and XXXX but closed on Experian. If this is the same account, how can that be? 

Lastly, this account is a charge-off account and is reported as a collection by your company. Since then, this account has been reported as a charge-off every month, creating a payment history. This is an update in the payment history, which, to my understanding, collection accounts should NOT include an active payment history. This very action falsely manipulates the statute of limitations. 

This erroneous account contains numerous inaccuracies and has yet to be validated even after being requested twice. The company 's actions can only be deemed willful as they failed to correct or remove this account.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I made a payment of {$110.00} on XX/XX/2023. Received an alert for fraudulent activity triggered by the payment. I called the fraud department to lift the hold and was told that I first needed to verify that I own the payor account. When I asked why they refused to provide the reason for the fraud hold. Even after verifying credit card and identification information for their security protocols. For context I have used the same payor account for the same card through the mobile app without changes for over 2 years. I am also legally entitled to any relevant account information. They are withholding information that I'm legally entitled to while demanding verification for a payment method I've used for several years.
Consumer complaint received 2023-08-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: COMMUNITY FINANCIAL SYSTEM, INC. (NY)

I had payment taken weekly and I was under the assumption and was told the bank was applying that money towards the load principle weekly. Come to find out they were hold my money until enough money was there for a full payment. My payments should of went directly on the load. The bank owes me for all the extra interest charged me because it should of been going down weekly not monthly.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC (NJ)

I keep getting calls from different numbers daily. I looked the numbers up online and they are a part of United Recovery Systems. I answered the phone on several occasions to get to the bottom of things but the person calling would not speak. The latest instance of harassment occurred on XX/XX/2023 at XXXX XXXX EST when I received a call from XXXX. A message was left that sounded like a recording ( not live person ) claiming to be from XXXX and wanting me to contact them back at XXXX. The XXXX number is part of United Recovery Systems. I have zero debt and very perplexed as to why I'm being called daily and left deceptive messages from United Recovery Systems. It has been a real headache and I need to stop. I pay all of my bills in full each month and have zero debt. These folks never asked for me by name when I picked up the phone or in any of the messages they've left. Just like the last instance, they've pretended to be calling from a legitimate company and left a number not part of the company they pretend to be calling from. I have never received any information in the mail from a collector and have no idea how my telephone number was attached to a debtor.
Consumer complaint received 2023-11-24
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)

On my Best Buy CITI credit card ending in XXXX I have a fraud charge from XX/XX/XXXX that I can not get resolved. 
On XX/XX/XXXX I was charged {$860.00} from XXXX XXXX  XXXX, this is a fraud charge and I notified CITI. 
On my XX/XX/XXXX statement the charged appeared and an adjustment of {$860.00} appeared. 
On my XX/XX/XXXX statement {$860.00} appeared as XX/XX/XXXX and {$860.00} appeared as XX/XX/XXXX. 
On my XX/XX/XXXX statement an adjustment appeared for {$860.00}. 
On my XXXX - XXXX statements only interests appears on the {$860.00} I have contracted CITI about every month about this. Everyone that I have talked to agrees that the {$860.00} was not credited back to my account and every time I talk to them they say they need 30 days to resolve it. 

Today XX/XX/XXXX I spoke to XXXX in the fraud department and she agrees that the {$860.00} was not credited back to my account and she opened up another investigation and wants 30 - 40 days to resolve the issue. I told her this has been going on since XX/XX/XXXX and that time period is unacceptable. 

I am hoping that you can help with this matter.
Consumer complaint received 2023-07-17
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. (NJ)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 an alleged fraud or extortion.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I went to my Wells Fargo online small business account on XX/XX/2023. It verified an available balance of only {$13.00} so I transferred {$150.00} from my Wells Fargo personal account THAT SAME DAY, making the Small Business account available balance {$160.00}. The next day, XX/XX/2023 my online account showed my check # XXXX in the amount of {$57.00} posted to my account. However, my {$150.00} transfer from my Wells Fargo personal account still had not credited, even though it was an electronic transfer from a personal account to a small business account, both within Wells Fargo bank. My {$150.00} deposit to my small business account being from one Wells Fargo account to another being an inter-bank electronic transaction, my {$150.00} deposit should have credited immediately, as it more that covered the {$57.00} check, therefore eliminating the charge of the {$35.00} for an over-draft situation.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, 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. (CT)

I have unauthorized, unverified inquires on my report. Due identification theft. 

I have put a credit freeze and fraud alert on my credit profile. 

The companies are not helping at all,
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

MR COOPER MORTGAGE has constant telephone problems. I faxed them a letter with all my information showing that they have miscalculated my escrow. I attached my insurance bill and real estate property tax bill. 

No one has responded and there is no way to contact them due to constant phone problem.

I need someone to look at my ACTUAL real estate tax bill and insurance and do recalculation of my escrow Send me new and corrected mortgage statement
Consumer complaint received 2023-07-17
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. (CA)

This is my THIRD WRITTEN DISPUTE to TransUnion to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : XXXX Days Past Due on XXXX XXXXXXXX XXXX  Days Past Due on XX/XX/2021 and XXXX Days Past Due on XX/XX/2021. 

I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. 

Due to the COVID-19 pandemic, on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX made an accommodation to my original loan contract with respect to lower XXXX payments XXXX XXXX through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through XXXX. 

In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Consumer complaint received 2017-05-08
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. (IL)

I have sent a numerous amount of dispute letters to Equifax about  XXXX   XXXX   XXXX  whom is collecting a debt for a company I does not recognize   XXXX   XXXX   XXXX   XXXX  . I written to ask Equifax that i have never had a account with   XXXX   XXXX   XXXX   XXXX   and I would like for documentation that shows that I had a account with this company but Equifax email me stating that this account was VERIFIED which does n't prove that i had an account with this company. The collection agency in which trying to collect this debt is unfairly stopping me from improving my credit by reporting unfairly to Equifax stating I owe  XXXX  the amount {$1500.00} and I have no knowledge of having an account with this company.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called Chase bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by Chase that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Consumer complaint received 2023-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OR)

I have request that Truist does not contact me for any reason. They refuse to stop e-mailing me. I sybmitted a complaint on XX/XX/XXXX, I emailed XXXX XXXX ( CFPB employee ) and XXXX XXXX ( Trusist employee ) on XX/XX/XXXX and XX/XX/XXXX after I started receiving e-mails again from Truist. I started receiving e-mails again today. I simply don't understand what it is going to take to make this stop. I'm done playing games.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am writing to dispute and request the investigation and deletion of incorrect information regarding a specific account on my credit report. I recently reviewed my credit reports from your agencies and discovered an inaccuracy related to a charge off account with XXXX XXXX XXXX, account number # XXXX ( XXXX ) and # XXXX ( TransUnion ), XXXX at XXXX XXXX XXXX, XXXX  XXXX, MO XXXX. 

I noticed that the dates of last activity are inconsistent across all three major credit reporting agencies. TransUnion shows the date of last activity as XX/XX/2022, XXXX as XX/XX/2022, and XXXX has not reported a date of last activity. The inconsistency in the reporting of the date of last activity violates 15 USC 1681a ( 2 ) ( a ) ( i ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must provide accurate and complete information. 


As a result of this discrepancy, I request that you both conduct a thorough investigation to verify the inaccuracy of the reported information. I respectfully request that the account be deleted from my credit report. 

To assist in your investigation, please find enclosed a copy of my credit report highlighting the disputed account. I have also included a copy of my SSN and a recent utility bill as proof of my identity and lease with address. 


Please address this matter promptly, and I expect to receive your response within 30 days as required by the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation that the disputed account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This complaint shall be labeled as a follow-up to my previous complaint. I want you all to remove the erroneous items in my file for they have not affiliated with me and are inaccurate. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX