davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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)

Hello my name is XXXX XXXX XXXX writing you guys because I have news This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXX XXXX XXXX - Date XX/XX/2022 Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2023-02-16
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$4200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2020, I called in to check on the status of my previous credit card payments. I was told that it would be in my favor to pay the amount due on the card {$27.00}. I did that 3 days before the actual due date and received confirmation that it has posted to my account leaving it at a {$0.00} dollar balance. I can not get an auto loan because of this and need it removed with this unfair situation.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was mistakenly charged late fee by Citi. The fee has been reversed when I called to report the error, but I was advised to pay the entire balance billed ( include the late fee ) TODAY ( for amounts due on  XXXX  ) in order to avoid another late fee and reporting to the credit bureau.     Billing date :  XXXX  Amt {$18.00} Merchandise return  XXXX  Amt {$6.00} Payment date :  XXXX  Amt {$11.00} Due date :  XXXX  Late Fee : {$18.00} on  XXXX  stmt for missing  XXXX  pmt.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 a account without my written instructions.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

To Whom It May Concern, I have not heard back from you in over 30 days since my formal written notice of dispute dated XX/XX/2024 ( copy enclosed ), and you have not supplied the demanded proof of the alleged debt. 

Under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. 

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have requested validity on a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you in hopes this will be either updated or deleted. 

The response I get from the CRA 's is that this info was validated through another system. 


Thanks in advance for your help! 
XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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: NAVY FEDERAL CREDIT UNION (CO)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Credit, LLC (PA)

My car payment is 13 days late. I understand this is not " acceptable '' but I have never fully missed a payment and have paid over XXXX on a XXXX loan. XXXX XXXX, from Coastal Credit has the audacity to stalk me on my XXXX and has also contacted friends off of my XXXX that are not listed as references on my account and have no relation to me. I find this completely to be an invasion of privacy. I am filing this report in hopes of putting a stop to the harassment. When I called him to confront him of his actions he was rude and ignorant. The call was on a recorded line and although I lost my " cool '' after being verbally abused, his actions as a man of business are unjust and unacceptable.
Consumer complaint received 2023-01-25
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. (PA)

On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
Consumer complaint received 2023-01-25
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. (PA)

On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (PA)

On all three of my credit report there is an open account with Dept of Education Aidvantage with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Momnt Technologies, Inc. (SC)

I logged into my Consumer Portal on XX/XX/2024 to check the balance of my loan. 

It showed a pay off amount of {$810.00}. 

I called XX/XX/XXXX and spoke to an agent who quoted the pay off amount as {$810.00}, which I then paid over the phone. The agent confirmed the loan was paid in full and the account would be closed. 

I made a point to pay off the loan prior to the promotional period ending on XX/XX/XXXX. 

I received an email confirming my final payment on XX/XX/XXXX. I checked my balance online and it showed a XXXX balance. 

On XX/XX/XXXX, I viewed the XXXX XXXX, which suddenly showed a balance of {$7400.00} with deferred finance charges and a late fee. 

I called XXXX Customer Service immediately. The first agent confirmed the loan is paid off, but when I inquired about the XXXX XXXX, he remarked, " That's a mistake. Let me put you through to the lady who took your final payment on XX/XX/XXXX. '' I stayed on hold for XXXX minutes, with no answer. 

I called back and spoke to XXXX. I briefly explained the situation and he said, " That's weird. That's a mistake. Let me open a ticket to escalate this and get it resolved for you. '' After several minutes, XXXX came back on the line, and said his supervisor would not let him issue a work ticket, due a payment in XXXX being reversed. 

I reiterated that the agent on XX/XX/XXXX quoted a payoff amount of {$810.00} and confirmed it was paid in full. The consumer is not to be held responsible for XXXX 's accounting errors. I asked to speak with XXXX 's supervisor. He said she was in a meeting and she would call me later. 

I looked in the Customer Portal again after that phone call and saw that the XXXX XXXX was suddenly missing. Every other XXXX is there. I called XXXX Customer Service again and spoke with XXXX. I asked him to please email me the XXXX XXXX, and he replied he'd be happy to assist with that. Then he said, " This is weird. It's missing. Where is it? '' And he put me on hold. When he came back he said that IT would restore the missing XXXX within a few hours. It is still missing. See attached screenshot. 

The manager has not called or emailed in XXXX days.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I went to Chase Bank ( XXXX CA ) and requested that {$25000.00} be deducted from my Traditional IRA Account and that {$10000.00} be deposited in my saving account, {$10000.00} be forwarded to the IRS ( to prepay XXXX tax ) and {$5000.00} be forwarded to the Franchise Tax Board ( CA ) to prepay XXXX state Tax ). 

The IRS received the {$10000.00} and credited by account and my savings account was also credited with a {$10000.00} deposit. I assumed the XXXX had also received the {$5000.00} and would credit my account. 

In XXXX, XXXX, I filed my California Form # XXXX ( personal Income ) and submitted the IRS Form 1099-R which I received from Chase Bank indicating that {$5000.00} of State Tax was withheld. 

In midXXXX, XXXX, I received an Income Tax Due Notice from XXXX that I owed {$5000.00}. My total tax for XXXX was {$8000.00} and I paid {$3000.00} at the time of filing, believing that the {$5000.00} which was deducted from my IRA account made-up the total of {$8000.00} FTI acknowledge receipt of the Form 1099-R but said that the cash was never received and that the Form 1099-R was just a piece of paper and that I still owed the {$5000.00}. 

When the Final Notice Before Levy and Lien was received ( XXXX ) I pay the XXXX {$5600.00} ( which included a penalty of {$580.00} and Interest of {$100.00}. 

Chase says it sent the money ; IRS says it didn't receive it. 

My XXXX account # is XXXX My SS # is XXXX How do I get my {$5000.00} back?
Consumer complaint received 2022-10-27
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. (VA)

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 2023-06-18
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that re. 
from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 'he following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecte consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletions of these accounts!
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello! I have a Helzburg Diamonds  Capital One Credit Card. I get automatic payments withdrawn every XXXX of the month of {$86.00}. I was called by Capital one stating that I had a past due balance of {$300.00}. I was taken by having a past due balance so I asked them is it possible for me to have a past due balance while monthly payments are being made consistently. Not aware of a past due balance until XX/XX/2019. I immediately went to my account online and made a payment of the {$300.00}, so there was no issues with my account. Which now means I made the {$86.00} payment on the XXXX of XXXX and another {$300.00} on Monday the XXXX of XXXX. 3 days later I get a notice from my credit report that I have an account in bad standing, when the customer service rep told me that it would not be reported as delinquent if the {$300.00} was paid. I was transferred to a supervisor, who was very rude and seemed in a rush to get me off the phone. I shortly after ended the call and started to write this complaint that you are now reading.
Consumer complaint received 2023-01-25
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. (MI)

To Whom It May Concern, 

I Have Previously Disputed This Item With XXXX  & TransUnion XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX & COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO XXXX  OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED IMMEDIATELY
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I was a victim of identity theft. A XXXX XXXX account was opened resulting in me having a balance of {$920.00}. I contact XXXX XXXXXXXX they they took it off my credit report and apologized. Now midland credit management. Is trying to collect and its on my credit report. I dispute it and they trying to say they records are accurate.