davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (FL)

I am disputing the collection account with XXXX, account number XXXX, dated XX/XX/2021. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XX/XX/XXXX I submitted a dispute via text message with Transunion because online wasnt working. They submitted it and it showed up online. I then waited a few days and it was no longer there. Why am I not allowed to dispute something?
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Antisemitic character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the fraudulent debt, nor therefore any such debt, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX date.
Consumer complaint received 2024-01-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

Received a text message from collection agency Hunter Warfield on XX/XX/XXXX that stated regarding XXXX XXXX. Was sent a number to call XXXX. Called the number and was asked was I ...... I stated " no '' " I don't have a middle initial of J ''. Was then asked was the last 4 of my SSN .... and was my DOB ... ... .., I verified yes. Then the representative stated that I owed a debt of XXXX for XXXX XXXX. I then stated that I was a victim of identity theft since XXXX and asked that the information be sent to my email. I received an email today XX/XX/XXXX with the information needed to send back to them due to reporting fraudent activity for this account. I immediately reported it to my U.S. State attorney that i'm registered with under the Department of Justice and to the FBI.
Consumer complaint received 2023-10-06
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. (MA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Dear Consumer Financial Protection Bureau, I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit reports, as well as to address the ongoing false claims made by collection agencies. The following addresses and accounts were created in fraud, and I have legal documentation to support my claims. 

Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA Fraudulent Accounts : LVNV FUNDING LLC XXXX {$2400.00} - Went to court** Legal proceedings related to Case Docket XXXX File No XXXX, XXXX, PA Court . I won in court, proving I never lived at the address. The person who stole my identity used a fraudulent internet account for payments and credit increases. 
LVNV FUNDING LLC XXXX {$1200.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$440.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$920.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1600.00} - No Data** Court Case Reference : Case Docket : XXXX File No : XXXX Location : XXXX, PA Court I have attached the necessary court documents proving my innocence and the fraudulent nature of these accounts and addresses. XXXX has failed to remove the address XXXX XXXX XXXX XXXX, XXXX, PA, and I request its immediate removal. 

Moreover, I have disputed the collection claims through the collection company and the credit bureaus, and the information has not been removed. This false reporting is holding my credit hostage. 

If the collection agencies choose not to remove these false reports, I demand that the cases be moved to arbitration. THE collection agencies need to initiate an arbitration proceeding with XXXX or XXXX I do not want my case made public, as I have already been through one case publicly for something I am not at fault for, and the experience was degrading. 

I expect your prompt attention and cooperation in resolving these matters. Please confirm in writing the removal of specified accounts and addresses and provide guidance on initiating arbitration proceedings. 

Thank you for your immediate attention to these serious matters.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Received opening of a new credit card with Bank of America in XXXX XXXX XXXX Did not have a account number and after multiple calls with Bank of America they could not find record of account. Credit report pull in XXXX  did not show account. Received a bill on XXXX XXXX for annual renewal fee for credit card. I was able to close the account as I now had a account number. The only business I have done with Bank of America was through my employer.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I made a ATM deposited of {$3100.00} ... a total of 31 {$100.00} bills I never seen the deposited reflect in my account I filed a claim with chase a total of 4 times and two of the times a tech had went to the ATM and audited it chase stated the had no proof showing that this deposited was made so thankfully I had the ATM receipt emailed to myself anytime I make a transaction at a ATM. I faxed in a copy then they said all they could recover was a total of {$1200.00} and which I did get returned to my account I unt but the remaining I won't get back so I filed another claim for the remaining and got denied.the first claim representative submitted a claim for {$3000.00} I was very clear in the amount being {$3100.00} then she did an second claim for {$100.00} that was when chase gave me a temporary credit for {$1700.00} which did not get approved so then they reversed the XXXX then I resubmitted XXXX a in the claim for {$3100.00} again. Ok in the month of XXXX on the XX/XX/XXXX and XX/XX/XXXX I made a total of 3 deposits 2 of the were in the amount of {$3100.00} and the other was {$1000.00} only 1 of the {$3100.00} and the {$1000.00} reflected the other deposited was never put in my account
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

In XXXX I was in between jobs and got behind on my XXXX account. I ultimately made a payment to prevent the account from going to charge off and they charged it off anyway and sold the debt without my knowledge which I paid the collection agency. I attempted to get all this information from XXXX who said they could not find information but they keep reporting to the bureaus ad accurate but have no information when I ask for verification documents.
Consumer complaint received 2023-11-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (FL)

My complaint is regarding PMI and equity in my home. I had an appraisal done and learned only after that Fannie Mae requires a separate appraiser although the steps for the appraisal are the same to prevent bias. My house is valued enough to remove PMI! 

I spent roughly {$700.00} for an appraisal. The 3rd party came out did their part, did their research and supplied a report. I'm continuing to pay PMI despite my home evaluation coming back at $ XXXX. 

I purchased my home at $ XXXX and I have $ XXXX left to pay on the loan. I want to remove the PMI to reduce my monthly mortgage payment. 

I was told that after the appraisal - I could request the removal of PMI required by law. Then over the phone I was told that Fannie Mae requires a separate appraisal that comes with another fee!! 

I'm requesting help and support on this matter. Is there someone who can offer support?
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo on XXXX XXXX because the agent told me they had the overdraft is enabled and it allows transactions to go through and Ive been charged {$35.00} over 5 times. 

XXXX XXXX - XXXX overdraft fees XXXX XXXX - XXXX overdraft fees I asked Wells Fargo to stop allowing transactions because theyre profiting off the overdraft fees and never allowed them to approve these transactions if theres no funds inside the account
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-17
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)

this Person ( XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX  furnished to my consumer report I did not give written permission to. Also, they have violated FDCPA unfair Practices and by law are liable to pay up to {$1000.00} for each violation under Civil liability.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I noticed this company reported this account as a charge off, however they never provided me with a copy of the 1099C. They company was suppose to legally send copy of 1099C.Bank of America canceled and forgave this debt with the IRS.

There has been inaccurate reporting on my consumer report as debt. ( 15 U.S.C. 1681 ( e ) ( b ) ). 

BANK OF AMERICA - XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 15USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CO # XXXX, XXXX and XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681 section 604A. 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 that records of convictions of crimes with 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 2024-01-30
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. (MO)

Moral bankrupt company who preys on the misfortune of others closed another with another ridiculous explanation that addressed ABSOLUTELY NOTHING SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM
Consumer complaint received 2023-11-22
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 2023-07-07
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. (AR)

I am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from my credit report.