davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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. (NV)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (MA)

I was scammed by a scam outfit that claimed to be from XXXX and would help me fix my PC that had been compromised. They told me that my bank account had been hacked for XXXX and I would need to have them fix it by using XXXX worth of gift cards to void out the transaction. Reading this now, I shake my head, but they had me under so much duress, I could not think clearly. I went to XXXX to get the gift cards. I tried first with a XXXX XXXX XXXX XXXX. Denied. Then tried with XXXX XXXX XXXX XXXX and they went through. I gave the scammers the numbers.I went home still on the phone with them and my wife had just returned fro. Work. She knew right away it was a scam and hung up on them. We immediately called Barclays to report the incident. The woman told us that the charges did not go through and had a fraud alert on them. She cancelled the transactions and issued us a new card. She told us we were all set. We were so relieved. This occurred in XX/XX/XXXX. On XX/XX/XXXX we were informed by Barclays the charges had been reinstated because I clearly was the purchaser. 
The XXXX web site talks about gift card scams and that their employees are trained to identify. Evidently not the employee that watched me get these cards. Now that I am learned about this scam, no credit card company should allow large purchases of gift cards or multiple, as mine was. I feel that they both should.be held culpable and let them eat their mistake.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Cashed my income tax refund check with fifth third bank on the date of XX/XX/year> and they have insulated my Integrity, lied to me on multiple occasions in regards to when my funds will ever be available, they have frozen all my accounts with the excuse that the check looked fraudulent ( IRS/USA Government check ), and that they needed to verify it. then I waited 72 hours communicating with my local bank manager as well as the fraud department with fifth third bank and they claimed I needed to bring in my tax forms and I have done so that very day. after waiting another 72 hours on the date of XX/XX/year> my account is still frozen I am unable to access any of my funds including my wifes employment payroll that I have been receiving into that account for over six months prior. They then lied to me and claim that my funds are available and that my account is open after completing the second review on the date of XX/XX/year>. The Account was never unfrozen and the funds were never released. They now have refused to return the check in full so that I may choose to have it cashed some where else. On todays date of XX/XX/year> it has been a full 7 days since my account has been frozen and a full 9 days since making an agreement with the bank manager at fifth third bank in XXXX Michigan that manager being by the name of XXXX. And that agreement being that I would deposit my tax refund check in my checking account for funds rendered. I am unable to take care of many of my own needs at this time and also that of the needs of my family and obligations. I have just reached out again to the supervisor named XXXX at fifth third banks account services department. And once again they claimed that today all issues were finally resolved and that the funds are available while in the presence of the local branch manager and they still refused to release funds both tax refund check and payroll checks equaling to the amount of above {$13000.00}. Please help. My phone number is ( XXXX ) XXXX. And my name is XXXX XXXX. Thank you for your time
Consumer complaint received 2023-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc. (FL)

I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2022-10-24
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)

Trans union is reporting inaccurate information Ive written numerous complaints via mail and cfpb compliants. These items are not accurate and should be deleted immediately Derogatory Accounts ( XXXX ) XXXX XXXX Other Loan Past due : {$280.00} XXXX XXXX XXXX XXXX Loan Past due : {$550.00} XXXX XXXX XXXX Other Loan Past due : {$730.00} XXXX Chargeoff XXXX XXXX Credit Card XXXX XXXX XXXX {$170.00} ChargeOff XXXX FUNDING Other Loan Past due : {$830.00} Collection/ Chargeoff XXXX Other Loan Past due : {$290.00} ChargeOff
Consumer complaint received 2022-10-24
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CLGF Holdco 1, LLC (PA)

I have made all of my payments on time. I also have the right to privacy. A consumer agency can not furnish an account without my written instructions. I wish for my payment history on my account to be changed.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
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. (NC)

Equifax and XXXX are reporting a false mariner finance account on my credit report. XXXX is showing something totally different. on equifax and XXXX, this is reporting : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 But on XXXX, the account is reporting as 30 days past due with a totally different balance, on the same exact account. I have submitted ftc id theft reports to equifax and XXXX in the past to have this account removed from my credit report and they still leave the account on there. i have reported XXXX and equifax to the north carolina department of justice as well because of this and now i am prepared to sue them both in court if this is not fixed
Consumer complaint received 2022-10-24
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. (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 15 USC 1681. 

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 a consumer reporting agency can not furnish an 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2022-10-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2022-10-24
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 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 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 account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC (TX)

I have sent them several letters telling them that are violating my rights and to cease and desist by reporting this negative information is violation of cease and desist everytime i see my report they communicating with me these letters were certified so they signed for them meaning they are ignoring the law i listed below " This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You have violated the FDCPA $ XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. ''
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (IN)

American Express. Multiple phone calls every day to myself and father who has no relation to the account. I have no idea how they even got his cell phone number. 

I've tried asking them to stop contacting me as well as blocking the phone number but they just call from new ones. 

I'm working with a debt settlement company to settle the debt and they know that but continue to blow up my phone. 

There is too many phone calls to list. I had to download a call blocker app and pay a monthly membership fee just so I could get a break from all the calls but somehow they're getting through it now.
Consumer complaint received 2022-10-24
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)

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 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 account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX .... Balance : {$11000.00}
Consumer complaint received 2023-08-11
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: Experian Information Solutions Inc. (MO)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-02-26
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. (OH)

I have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
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 2023-08-11
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. (IL)

I am a victim of aggravated identity theft. I ask that you re-investigate this matter and I demand to see proof with my signature on it that you have on file for the account listed. also note that the account XXXX XXXX XXXX ACCOUNT NO. XXXX is reporting as a charged off. {$11000.00} written off. {$14000.00} past due as of XX/XX/2023. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by the federal law to verify through physical verification of the original signed contract. Also, note that if the company has filed a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I owed just XXXX on my Chase XXXX XXXX XXXX XXXXXXXX XXXX card. I paid the balance in full on the due date. This left in balance in the account at XXXX. Several days later they issued a new statement saying that I owed XXXX in interest on a balance of XXXX balance due