davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-11
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: VW Credit, Inc (TX)

I CONTACTED THE IRS TO UPTAIN MY 1099. AND THEY SENT ME THIS. VW CREDIT IS COMMENTING FRAUD. WHY MY TOTAL WRITE OFF XXXX. THEY OWN ME A REFUND FOR SAYING I HAD TO PAY THAT AMOUNT ON MY CREDIT FILE. 
( ACCT # XXXX VW CREDIT LLC ). 
THEY ARE VIOLATING MY CONSUMER RIGHTS.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I attempted a purchase on XX/XX/2022 and the amount of {$170.00} the transaction was declined by the merchant however the money was initially taken for authorization and was then deducted from what I had on my PayPal balance PayPal has not is shoot me my money back and was told that it would be going to a debit card that I have linked to my Paypal account but I did not use for this particular transaction the transaction that was made in declined through my PayPal balance PayPal has removed any visual aspect of me seeing the transaction history in my transaction summary I was able to see this transaction prior to the 30th day where my money should have been released back to me and suddenly the transaction history did not show that transaction among what was evidently removed I saved all email correspondences between myself between my debit card company who confirmed that there was no transaction made and through the company that declined my transaction initially that the funding was initially paid through PayPal I have an issue with this because PayPal has been giving me different stories I've saved every recording of phone calls as well and they're not validating to me where my money is and as I said for me to see a transaction summary that is no longer the same with the same listing itinerary it is confusing to me because it removed the transaction that would allow me to account for all my money and the funding of where it went I would just like my money back from PayPal I would like to move further if it does not happen as I said I have all the correspondence and everything to where I can State my case and all I want is a valid proof where every XXXX  XXXX have went
Consumer complaint received 2023-01-04
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. (CA)

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. I DATED A GUY YEARS AGO NAME XXXX XXXX, HE MADE ME BELIEVE THAT HE WAS IN LOVE WITH ME WHICH LED TO ME ALLOWING HIM TO COME TO MY HOUSE. I DIDN'T REALIZE THE TIMES HE WOULD COME TO MY HOME HE WOULD GO INTO THE FOLDER IN MY CLOSET WHICH CONTAINED ALL OF MY PERSONAL INFORMATION AND WOULD TAKE PHOTOS OF IT. ONE DAY, HE RANDOMLY VANISHED FROM MY LIFE AND I REALIZED THAT MY FOLDER WAS MISSING WHICH HAS MY PASSPORT, MY SOCIAL SECURITY CARD AND A TON OF CHILDHOOD PHOTOS. I HAD NO IDEA MY DOCUMENTS WERE MISSING UNTIL IT WAS TIME FOR ME TO USE MY PASSPORT TO BOOK A TRIP OUT OF THE COUNTRY. I CONTACTED HIM ASKING IF HE HAD SEEN IT AND HE MESSAGED ME BACK WITH A WINK FACE AND I NEVER HEARD FROM HIM AGAIN. SINCE THEN I'VE NOTICED A LOT OF NEW THINGS SHOW ON MY CREDIT. REMOVE AND BLOCK THIS FRAUD INFORMATION FROM MY CREDIT WITHIN THE NEXT 4 DAYS.


FRAUDULENT ADDRESS:

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

FRAUDULENT ACCOUNTS:

Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name XXXX XXXX XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
Account name
XXXX
Account number
XXXX,
 
Account name
XXXX XXXX XXXX
Account number XXXX,
 
 
Account name
XXXX
Account number
XXXX,
 
 
Account name
XXXX
Account number
XXXX,
 
 
Account name
XXXX
Account number
XXXX, XXXX XXXX XXXX
 
Account number: XXXX,
 
XXXX XXXX XXXX
 
Account number: XXXX,
 
 
XXXX XXXX XXXX
 
Account number: XXXX
Consumer complaint received 2018-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX Capital One Saks Fifth Ave XXXX XXXX   XXXX XXXX Capital One XXXX XXXX
Consumer complaint received 2024-03-10
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. (PA)

I am writing Experian to do a reinvestigation on accounts listed below in attachments. 

When I call XXXX Experian and XXXX they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.
Consumer complaint received 2023-01-04
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. (MI)

On XX/XX/2022, I mailed a second request to Experian informing them that I recently had been informed that there were several inquiries that I did not authorize, in the file that Experian maintains under my social security number. Upon reviewing my most recent credit report I see that the inquiries are still listed. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer 's credit file. Experian notified me that they verified the information, but refuses to show me documentation proving how they verified the information, and now refusing to remove the inquiries from my file.
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

XXXX was the culprit, paid over {$1800.00} in cancellation fees and charged {$270.00} additionally for free useless phone ( motos ) which was automatically charged onto my credit card. Then they even place me into collection, I contacted them several times regarding this, the very last call they told me to pay additional {$7.00} processing fee that would resolves this issue, apparently this is fraud tactic that they use to start collecting in increments and charging my credit card. As of today, they done nothing to help resolve this issue.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, I have sent a fax with information about missing details in my credit report. I have provided details to the company with proof of purchasing the house with my wife in 2012 and refinancing it in 2012. 

I am attaching the fax sent to the company and request you to resolve this problem with XXXX XXXX  and ensure that my name appears on the mortgage information. 

Thanks
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (OH)

I was contacted, via text message, by Citibank Fraud NA on XXXX transaction that was declined on XXXX XX/XX/2022 at approximately XXXX XXXX, CitiFraud used phone number XXXX. [ copy of message -A ] I contacted Citibank Fraud group and they said they did not call and started an investigation. Citibank Dispute Case # XXXX and XXXX. Citibank Fraud shared the following Transaction numbers : Citibank pay id code # XXXX for {$2400.00} Citibank pay id code # XXXX for {$2500.00} Citibank reported that a XXXX XXXX using phone number XXXX removed a total of {$4900.00} from Citibank checking account XXXX on XX/XX/2022, at approximately XXXX XXXX  in two different transactions using XXXX. Text message confirmation show both were marked as fraud. [ Copy of message -B ] The only person on record I have sent XXXX funds to family members. There are only three ( 3 ). XXXX, XXXX, and XXXX XXXX. They are the only persons in my contact profile for XXXX. I do not know who XXXX XXXX is nor this phone number. I did not authorize this transaction. 

FBI and Police reports filed.
Consumer complaint received 2022-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My mother and I are joint holders of XXXX Certificate of Deposits ( CD ) that were issued through the MBNA America bank. The first CD was issued on XX/XX/XXXX in the principal amount of {$22000.00} with an interest rate of XXXX XXXX and was set to mature on XX/XX/XXXX. The second CD was issued on XX/XX/XXXX in the principal amount of {$1200.00} with an interest rate of XXXX XXXX  and was set to mature on XX/XX/XXXX. My mother and I recently attempted to call MBNA America bank to withdraw these amounts and learned that MBNA America bank was acquired by the Bank of America in XXXX. I contacted the Bank of America customer service line for assistance with withdrawing money from the CD on XX/XX/XXXX. The customer service representative sent me to the department that handles CDs. The CD department representative stated that there was no record of these CDs in their system and transferred me to the unclaimed property department within Bank of America. The unclaimed property representative also did not find any record of these CDs and sent me back to the CD department. I spoke with another CD department representative who told me that their system can only look back seven years and there was no way to look back further to locate any record of our CDs. I asked if there was a way to escalate this to a department who could look back beyond 7 years and was told that this was not possible. I was encouraged to call the state of MA unclaimed properties to track down the CDs. XXXX XXXX both called and went online to try to find the unclaimed CDs under my and my mother 's names but nothing was found. Of note, both CDs are insured to {$100000.00} through the FDIC. There is fine print on the back of the CD that states if the money is not withdrawn after it reaches maturity, or if instructions have not been given as to the disposition thereof, then the account will be renewed automatically for a term equal to the original term and for the full balance of the account, including all accrued interest in the account at the maturity date.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (IL)

Hello, I recently moved to a new address. When I went to pick up my mail from the old address " Choice Recovery '' sent a notice on the XX/XX/2018 regarding an unknown debt. Although I did not receive a right to dispute letter on the XX/XX/XXXX, there is a derogatory mark on my XXXX credit report. This collection agency is in violation of the credit reporting laws and I would like to file a complaint.
Consumer complaint received 2023-11-11
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank has not updated the payment history on two accounts since XX/XX/XXXX XXXX  CC paid in full and balance still showing XXXX as of XX/XX/XXXX Express CC paid in full and balance still showing XXXX as of XX/XX/XXXX I have sent secure emails to both CC companies via their app and no response XXXX XXXX account was not accessible in XX/XX/XXXX and payment could not be made. Error was blamed on system update. Late fee was assessed. I emailed Comenity via app secure on XX/XX/XXXX and XX/XX/XXXX. Still no update and late fee not removed. Account has always been paid on time. 

My credit score, debt ratio and utilization are being affected unfairly
Consumer complaint received 2023-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX has garnished my wages. I am a single parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a single mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.
Consumer complaint received 2023-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-20
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. (NY)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$25000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-04
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. (IL)

ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609
Consumer complaint received 2015-12-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Its been weeks since I initiated the short sale in my XXXX and Nationstar has not responded. They added another foreclosure sale date for next week, XXXX XXXX, 2015. Nationstar continues to tell the borrower that they have not received the short sale package however, they refuse to initiate the file in XXXX.
Consumer complaint received 2023-04-28
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are direct violation of the Fair Credit Reporting ACT ( XXXX  Account number # XXXX ) has violated Several my right. 
15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : ; it also states that I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Harpeth Financial Services, LLC (TN)

First of all how is it legal for a company to charge % XXXX interest? I realize how stupid now I was but desperation to keep a roof over ones head leads to stupidity. Now they just take money out of my checking account anytime they want. I have been in the hospital several times recently. Not making an income currently and now have hundreds of dollars in overdraft fees due to advance financial.
Consumer complaint received 2022-10-20
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Two accounts that were previously removed were re-inserted. Initially, the collection agencies did not respond within 31 day period. Therefore, they reported the information again about 3-4 months later.

XXXX XXXX - XXXX XXXX was removed in XX/XX/2017 for {$240.00}.

XXXX - XXXX XXXX XXXX removed in XX/XX/2017 for {$190.00}.