davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (NY)

I'm writing to complain about Transunion and their violaton of my rights. I recently discovered that i may be a victim of ID theft. I entered a dispute with Transunion in XXXX regarding an account from XXXX XXXX. Transunion came back with Verified and Accurate about XXXX days after i initiated the dispute. I called the creditor ( XXXX XXXX ) and spoke to the fraud department requesting the documents they sent to Transunion to prove the account was accurate. XXXX XXXX told me that they havent even opened an investigation yet. Actually, my call has prompted them to open one. I then called Transunion and asked them to please send me the documents that is proving this account is accurate, they said they didn't have them. I was baffled! how did they prove the account as verifed and accurate if the creditor didn't investigate and Transunion has no documents to send me either. I'm frustrated and feel that Transunion are going out of their way to make this navigation as difficult as possible for me. I then placed a fraud alert on my account, and transunion recently send me a post card, unsealed with all my personal information and actions regarding my credit profile. This is an extreme violation of my rights as a consumer and victim.
Consumer complaint received 2023-01-24
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ZARVAD III S.A. (SC)

My brother and ex sister-in-law received multiple calls about my debt even though I asked them not to contact me or anyone else about this debt. Here is a transcription of the message left today XX/XX/XXXX : Hello. XXXX XXXX XXXX, My name is XXXX XXXX. I'm contacting you today, in reference to a claim that is being filed, the claim is not being filed against you. XXXX, it is however, being filed under the name of and against XXXX XXXX XXXX birthday XX/XX/XXXX. She is XXXX XXXX  of age. Now I'm required to make you aware XXXX that your name and number has been listed as a point of contact for XXXX XXXX XXXX. It also appears that your residential address may be listed as a possible likely place of location along with her home address and her place of employment. Now, the claim is schedule will be processed today with the current information that's on file. However, XXXX of you or XXXX XXXX, you have any questions or concerns regarding her claim. I would suggest contacting that filing office right away that can be reached directly at XXXX. Again XXXX. Bear in mind. XXXX make XXXX aware she would need to contact them prior to the order of location being executed out for her because at that point, her claim would be discharged out of that office, XXXX then forfeit, not only the right to speak with them, but at that point, she would be officially forfeiting any and all other rights that she may be entitled to currently through their office as well. XXXX XXXX XXXX, it is being documented that you have been notified. However, we will proceed with the order location for XXXX XXXX XXXX XXXX XXXX  of age regarding claim number. XXXX  XXXX. Unless we do receive other instructions right away from that filing office. Uh That number again. XXXX. Thank you. 

I contacted them today spoke with XXXX XXXX at XXXX, who is " collecting '' on their behalf. He said that MyPayDayLoan said this was fraudulent since I did not pay it but I was laid off. I was strong armed into setting up a payment plan. 

XXXX 's phone number is ( XXXX ) XXXX
Consumer complaint received 2023-01-24
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. (CO)

I recently closed and paid in full an account with XXXX XXXX XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all 3 credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all 3 credit bureaus have failed to do a proper investigation.
Consumer complaint received 2023-01-17
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (DE)

On Monday XX/XX/2023, I indirectly received a Summons from the Court of Common Pleas of the State of Delaware for XXXX XXXX. The serving of the summons was unacceptable. This is regarding the Comenity Bank account ( account number ending in # XXXX ) Comenity Bank sold the original debt to debt collection agency XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is now trying to sue me, the consumer, for the debt that has already been paid and accounted for. That is a violation. 

There are more violations : 1. I did not receive a written notice of debt from XXXX XXXX XXXX XXXX XXXX ; 2. With the summons I received, there is no conspicuous statement from XXXX XXXX XXXX XXXX stating that I have the right to dispute this debt ; 3. I have not received enough information to verify this debt ; 4. XXXX XXXX XXXX XXXX influenced a Special Process Server/Clerk of the Court ( State of Delaware ) to indirectly speak with a third-party about this alleged debt, as the information was delivered without an envelope and given to someone outside of the person of interest and ; 5. This summons/lawsuit was my first time receiving notice of the debt. I did not receive written notification of debt prior.
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: National Credit Adjusters, LLC (CA)

After carefully looking over my credit report I noticed multiple inaccuracies that have been previously reported to XXXX. National Credit Adjusters is reporting an account on my report with an inaccurate Open date. The payment history does not add up, and they claim to have received a payment from me on XX/XX/2020, but they report me in Collections with XXXX payments made. This does not make any sense and is hurting my credit tremendously. In the comments they state that this is reporting correctly according to the Fair Credit Reporting Act. Treatment of inaccurate or unverifiable information : After an investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, or incomplete or can not be verified, the consumer reporting agency shall- ( I ) Promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation. Multiple inaccurate information has been reported for years with this account. They said an investigation was done but it wasnt. I have disputed this numerous times and to avail they refuse to follow the FCRA guidelines.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : SANTANDER CONSUMER USA 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 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 consume r reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateThe account was paid in full. I don't owe them any money. I paid them there {$170.00} on time. It was never supposed to be listed as a repo. Now this is ruining my chances of getting a new car.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

On XX/XX/, I sent a debt verification letter to Aldous & Associates , PLLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-07-13
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. (TX)

There is a collection on my report that isnt mine. The collection agency is XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX Ive never done business with this company before and Id like it removed off my report.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (AZ)

I had a baby at XXXX XXXX XXXX XX/XX/XXXX, and I set up a payment plan 2 weeks later, which I have been on ever since ... it is in good standing and I have never been late. Apparently there was a separate charge billed several months later that I never received any texts or emails about ( I am on paperless billing ). XX/XX/XXXX I found a collections account reported on XXXX for {$860.00}. I called XXXX XXXX XXXX a total of 5 times, and every time I was told my account was in good standing and there are no issues. I called the collection agency, United Collections Bureau, and they had me email in documents to show my account was in good standing. No one got back to me. I called again the next week, and was provided with an account number. I called XXXX XXXX XXXX again and presented that account number, which turned out to be in my baby 's name for some reason, and I asked why it was not added to my payment plan that I already established, which I was not really given a reason for. She then connected me with the collection agency which was already closed for the day. I asked her beforehand if this could be added to my payment plan and be removed from collections and she did not help with that either.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TN)

1. Signed up, opened the business checking account as a sole proprietor and enrolled in mobile banking, with the promotional offer XXXX, which offered {$500.00} bonus for those depositing new funds of {$3000.00} to the account. 
2. On XX/XX/2023, it was opened successfully with a funding deposit of {$100.00}. Thereafter, depositing {$3000.00} on the account on XX/XX/2023. 
3. Left money for over 60 days on the account to meet stipulations. Withdrew the money on XX/XX/2023. 
4. Called 30 days post all requirements ( including code being entered correctly while opening the account ) being completed since my offer still was not credited.

5. Representatives XXXX and XXXX have both verified that the offer requirements were fulfilled ( not sure when the phone conversations took place ) and one of them escalated this to the promotional offer department. They should also have notes on the account, as between XXXX, I have called four times to get to the bottom of this situation. 
6. As of XX/XX/2023, nobody from the promotional department or from US bank has called me or shown accountability for this error and inconvenience.
Consumer complaint received 2022-12-21
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any items listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the credit REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022 I submitted an online request to the XXXX, XXXX and Transunion credit bureaus, requesting letters requesting verification of the debt on my report. Starting on XX/XX/XXXX, I began to receive replies stating an update was made. On XX/XX/2022 I mailed certified letters to each bureau requesting verification documentation Beginning XX/XX/XXXX, they have sent back stating everything is verified correctly. 

However, my credit report is still showing inaccuracies XXXXXXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) 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 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VEROS CREDIT, LLC. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that Vero Credit had violated the law by illegally repossessing my car. 

In addition to the illegal repo, Vero has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that Vero has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to Vero Credit requiring the company to pay {$1.00} million in consumer redress and to make changes to its business practices. The order found that Vero Credit had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against Vero Credit alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that Vero Credit made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IN)

PNC suspended an account back in XXXX of XXXX. After filing a complaint with the company, I finally received a response ion XX/XX/XXXX. I was told the issue was resolved and I would receive a check via mail. I have patiently waited for months and have yet to hear back from the institution. The account is now currently closed.
Consumer complaint received 2023-06-02
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, a fraudulent inquiry was made for a credit account at Chase Bank. I have called Chase repeatedly to let them know this application was fraudulent and asked for the inquiry to be removed from my credit reports. Each time I have called I have been told it will take up to 90 days for the inquiry to be removed. My first call was on XX/XX/XXXX. That is almost 5 months ago. The inquiry is still on my credit reports. 

Please contact Chase Bank and ask them to remove this inquiry from my credit reports. Thank you.
Consumer complaint received 2023-06-02
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 (IL)

I have a case. At any point in time, I can file a class action lawsuit against XXXX XXXX. The representative misled the consumer ( which is me ) into ordering XXXX phone thinking the XXXX affordable connectivity program would cover {$20.00} discount on the phone plan service for $ 30 monthly. I was repeatedly overcharged for a phone and service that did not work out. I paid {$1100.00} in overage charges. I would like that money credited back onto my credit cards. Amounts {$390.00} for billing cycle XXXX, XXXX, XXXX {$340.00} for device payment Of, which I already paid via XXXX XXXX {$370.00} for the device My XXXX XXXX credit card on XXXX and XXXX XXXX credit card to pay for the device in full expectedly monthly plan payment that did not happen. There is already case open with Consumer Protection Bureau. I have no escalated it to the Federal Trade Commission or the XXXX of XXXX mayors office. I want my money credit back on to my account now. Submitted Evidence : Proof of requested cancellation of service XX/XX/XXXX via email and response from XXXX XXXX you will hear from us soon. I have not heard back, but given their response to XXXX XXXX, I heard loudly.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom it may concern this is my formal complaint on Equifax. They continue to violate 15 USC 1681g as it relates to my consumer profile. I requested these documents in order to confirm the validity of account listed as XXXX XXXX XXXX. I have the right to review this information. Pursuant to 15 U.S.C. 1681g ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Equifax continues to ignore my letters, instead of providing what I requested. Pursuant to 15 U.S.C. 1681o : ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; It's clear that the documents i requested, Equifax does not have, therefore there is no possibility the account in question can be verified. I demand this account to be deleted from my consumer report immediately.