davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 2022-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered XX/XX/XXXX. Credit card balance of XXXX. Accepted and returned bill to sender as Mutual offset credit exemption settling & satisfying the account NOT CLOSED.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I had a credit card with Chase Bank, and I called and asked for a payoff amount and paid off the balance immediately on the phone with the rep and requested that the account be closed. Rep confirmed to me that the payment went through, and the account is closed. A month later, i get a statement for amount due. Called the bank and they indicated that it was interest that was due on the last statement. Apparently the payoff balance did not include accrued interest thru the date of payoff. I should not be held responsible for them quoting me an incorrect payoff. I consider the payment to be full and final settlement of my balance. Any system inadequacies on the Bank 's part in arriving at a payoff quote should be their error and their problem.
Consumer complaint received 2022-12-23
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CO)

I sent a payoff check to Barclays in XXXX and they signed for it but lost it. I had the bank apply a stop payment and send a new check. Barclays cashed my second payoff check in XXXX, for {$10000.00}, but as of mid XXXX never applied the payment to my account. They said they have no record of it although I have a copy of the cashed check with their endorsement.
Consumer complaint received 2023-04-24
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. (NY)

In accordance with the Fair Credit Reporting Act, these accounts and inquiries below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX - Inquired on XX/XX/XXXX - Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts and inquiries have violated the consumer 's right to privacy. 

15 USC 1681 sec. 602 A states the consumer has the right to privacy. 15 USC 1681 sec. 604 A sec 2 states that a consumer reporting agency can not furnish an account without the consumer 's written instructions. 15 USC 1681c. ( a ) states that : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 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 2022-12-23
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: Resurgent Capital Services L.P. (GA)

THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. LVNV TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY XXXX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.
Consumer complaint received 2023-01-29
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. (AL)

I disputed a bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.
Consumer complaint received 2023-06-02
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: ID Analytics, Inc. (MD)

I have incorrect information on my XXXX report. I tried to get it investigated via mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, however, XXXX XXXX only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on today, XX/XX/XXXX. My license, bank statement, and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Consumer complaint received 2023-07-08
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. (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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.
Consumer complaint received 2023-06-06
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: ENCORE CAPITAL GROUP INC. (TX)

Midland has reported a debt that is not mine. I have not done buisness, recieved goods or services from this company. I have requested proper documentation verifying and validating the debt they claim i owe. The address is incorrect & every month they report it as owing XXXX then increase it to {$500.00}, constantly bringing my score down. They do thos same tactic every month. Bring it ip a dollar, then down a dollar, then back up, & so on. This has effected my scores and brongs my score down more than it goes up each time. I have disputed this debt mutliple times asking for signed contracts and all documents showing each debt, they continue to send just a bill with the amount and a10 % off settle amount which i refuse to pay for anything that is not kine.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (MA)

I am a victim of identity fraud. Someone wiped out about {$100000.00} from my XXXX XXXX account by opening accounts in different banks and transferring money from the bank. Pentagon Federal Credit Union was one of the bank where part of fraudulent money was transferred. Bank did detect it as a fraud and put hold on the account when fraudster has opened the accounts. However, bank did allow the fraudster to do the bank transaction before account opening requirements were met like proofing documents. I have notified the bank of the fraud and transfer of funds to the bank. Also provided copies of police report and identity theft report. Talk to them couple of times to close the accounts and mark them as fraudulent. However, bank is keep asking for the money which I never received from them. Now they are trying to collect the money. Please see all written attached communication with the bank and reports provided to them. Also attached debt collection notices.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I have contacted creditors with phone numbers provided. They say they do not have the ability to remove inquiries and to contact credit bureaus. Credit bureaus tell me to contact creditors. These are unauthorized and fraudulent!! PLEASE REMOVE THEM ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

This complaint is related to my other complaint. I applied for a Bank of America zero interest credit card on balance transfers in XXXX in preparation to my XXXX XXXX  balance switching to high interest on XX/XX/XXXX. I was confirmed my card was accepted on XX/XX/28 and that XXXX would be transferred to pay down the account. I made a minimum payment to XXXX to cover any delay time. However, by XX/XX/XXXX the funds had not been transferred and I was charged XXXX. I called Bank of America and they told me a paper check would be sent to me first by snail mail and THEN I would need to mail it to XXXX by snail mail-a very long process. They said that because I applied online and filled in the XXXX Account transfer online, it made a difference in payment method. ( versus in person or by phone ) There are no BA in my rural area and since Ive done transfers electronically before for expedient payment I assume they would send electronically. They told me XXXX doesnt accept electronic  transfers and to tear up the check WHEN it arrived and they would send another. This was now XX/XX/XXXX. I transferred XXXX from XXXX once again to cover increased interest. It was posted right away on XX/XX/XXXX. When second check arrived at XXXX it was returned as funds not available to which I got a delayed letter explaining. I called both BA and XXXX during this time. XXXX gave me yet another address to overnight yet a THIRD check and BA assured me it would be overnighted. But as of today XX/XX/XXXX no payments have posted anywhere and Im out additional XXXX in interest which defeats the entire purpose. WHO OWNS this problem? BA? XXXX? How could I have known or expected this convoluted process when I make electronic payments all the time through BA and to XXXX?
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (WI)

The interest on the loan isn't correct the interest rate is 3.14 % the original loan was {$27000.00}. The due day is normally around thr XXXX of each month I am making early payments.For example on Date. Principal. interest. Total XX/XX/XXXX. {$400.00}. {$60.00}. {$460.00} XX/XX/XXXX. {$400.00}. {$48.00} {$450.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$410.00}. {$56.00}. {$470.00} XX/XX/XXXX. {$420.00}. {$44.00}. {$470.00} XX/XX/XXXX. {$400.00}. {$50.00}. {$450.00} XX/XX/XXXX. {$11.00}
Consumer complaint received 2022-12-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I was awarded my home in XXXX, Pennsylvania per XXXX XXXX judgement during pandemic.Under an Order Of Protection my XXXX XXXX  gave my home away in a Non Asset XXXX XXXX  Bankruptcy scheme. I thought I was in forbearance. 
The Wells FargoXXXXXXXX XXXX XXXX lawyers had him in Federal court while deliberately trying to get me to sign over said property in Civic court threatening me if I did not comply. They said the conciliation process was being scheduled and I better do what they say In XXXX XXXX they had already scheduled a XXXX meeting I was not a part of. 
I had a Conventional mortgage that had XXXX XXXX documents attached. A huge balloon loan, XXXX down fraudulent HUD paperwork with XXXX  husbands name/place of employment with my social security number. If it cant get any worse I learned my mortgage brokers were indicted in XXXX in same Federal Court that is flipping my house for Mortgage Fraud! Per FBI mortgage task force. 
My phone was hacked/SIM card stolen..XXXX Police refused to take report and did not send anything to States Attorney. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The investor and XXXX  XXXX XXXX got indicted as well. I found out the house was a Prefabricated home that had flooded previously and been moved on a lot loaded with rXXXX XXXX XXXX 
The house was bought in XXXX. The loan never closed found old XXXX XXXX. 
Because of this I lost my vehicle, memories of adult children/grandchildrenI havent any family members as XXXX on my own. I XXXX XXXX XXXX XXXX XXXX. This was the only home I ever had. 
And to discover that it was all based on lies for others to profit I havent any words.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NC)

This company continues to file a new collection on my account every year with a new account number. I have tried disputing this over and over and they supposedly provide documentation but all it has is a digital signature. The address in which they provided I was not even living in at the time. The last XXXX of the credit card they are claiming I have never even had. This company is purely a scam that is ruining my credit with not hard proof my social security number is no where on the info.
Consumer complaint received 2022-12-23
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: Bread Financial Holdings, Inc. (FL)

in acoordance with the credit reporting act this creditor comenity bank account number XXXX violated my rights under 15 u.s.c 1681 section 602 i have the right to privacy. 15 u.s.c 1681 section 604 a section 2 states the consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment in a credit card account under an open and comsumer credit plan as late for any purpose. Update on all three credit agency bureau XXXX, XXXX and XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged me numerous overdraft fees and eventually closed my account, and I know many of these fees were just added on there, there was an incredible amount owed, it really just didnt even seem possible.
Consumer complaint received 2022-12-23
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. (NC)

sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts, XXXX  XXXX XXXX  XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.
Consumer complaint received 2023-04-24
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. (NC)

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 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 2023-08-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.