davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through XXXX Bank now owned by XXXX XXXX to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over 300 dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX  that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to Midland Credit Management. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX  in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this. 
But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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 2023-10-04
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. (MI)

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 Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY (CA)

My fianc and I are set to close on our first home on XXXX, and we are stuck in an urgent situation with our Wells Fargo mortgage. We are reaching out in the hope that you can help us, because the Wells team we're working with are not able to.

Here is the story : 1. We transferred $ XXXX of assets for the Relationship Discount 2. A Wells Fargo employee issued incorrect contracts ( the interest was calculated without the Relationship Discount ) 3. XXXX XXXX sent those incorrect contracts to my fianc to sign 4. My fianc signed those documents on the understanding that they were the correct documents 5. I have not yet signed the documents Our mortgage broker has advised that Wells Fargo is reneging on the relationship discount completely. Wells Fargo is taking the completely illogical position that because one party has signed the agreement, the only way to change it is to cancel the transaction and start again. 

At $ XXXX over the 30 year, that would cost us {$140000.00}.
Consumer complaint received 2023-04-12
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: LCI Acquisition Inc. (CA)

To whom it may concern, I declare that my identity was stolen and used by frauds. I kindly requested to submit a dispute on these accounts, but several time got a response from XXXX that the letter is not coming from me even though I attached all my personal documents. I also tried to explain it to them via call, but even the supervisor I talked to refused to accept my concern. Please pay attention to this, I have also provided this information to other bureaus XXXX and XXXX, they received my documents and already deleted all the fraudulent accounts while XXXX is still refusing to accept my documents, saying that someone else is sending these documents without my knowledge. 

Fraudulent accounts : Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Open Date : XX/XX/XXXX Account Name : XXXX XXXX Open Date : XX/XX/XXXX
Consumer complaint received 2023-10-04
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. (TN)

I'm a victim of identity theft. I have field a police report and FTC report according to the FCRA and submitted these documents to the credit agencies. They are not being processed correctly and I am not getting copies of the verification process These accounts are : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion refuses to remove negative information even after I sent them an Identity Theft Report from FTC and a police report from XXXXXXXX XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft report until XX/XX/XXXX.They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. These are the accounts in question. All the accounts I am disputing are listed below. I could was only able to upload 10MB on cfpb website. I also sent this information by certified mail to Transunion, XXXX XXXX # XXXX XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$19000.00XXXX XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$10000.00} XXXX XXXX XXXX XXXX BEGINNING IN XXXX - {$19000.00} XXXX BEGINNING IN XXXX - {$46000.00} XXXX BEGINNING IN XXXX - {$45000.00} XXXX XXXX  ENDING IN XXXX - {$12000.00} XXXX XXXX ENDING IN XXXX - {$21000.00} XXXX XXXX XXXX  ENDING IN XXXX {$14000.00} XXXX XXXX XXXX  ENDING IN XXXX - {$14000.00}
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/XXXX of 2021 Bank of America Sent us a Letter Stating they are closing our Company account and provided no explanation on the reason for closing the account. ever since then they told us that they are closing the account and will send us the check. i have called them everyday for the last 3 weeks and they are not giving me any information and claiming they are still investigating. so far they have not provided any information on where did the funds went or anything. 
our attorney sent them a Demand letter to release the funds with no response.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Consumer complaint received 2022-11-02
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. (GA)

XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS FAIR COLLECTIONS AND OUT XXXX -- -> : {$3100.00} XXXX XXXX GROUP XXXX -- -> : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2018-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

Results of the reinvestigation. The accounts XXXX, /XXXX, /XXXX  are currently not reporting. See attachment. I now have received a new bill from a new debt collector ERC and new account # XXXX for the same amount {$140.00} I do not owe. Dated more recently XX/XX/XXXX ... but, reported back in XX/XX/XXXX. That according to the recent investigation no longer exists.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that i have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Consumer complaint received 2023-11-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (CA)

To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.crypto.com. In this year of XXXX, XXXX, and XXXX ( please see attached as evidences ), I wired transferred money close to about XXXX XXXX XXXX dollars from my personal bank XXXX XXXX XXXX bank to www.crypto.com with the help of the scammer. I transferred my virtual money from crypto.com to www.doexoll.com to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX XXXX XXXX, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the XXXX was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The XXXX  here in XXXX did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The XXXX MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.crypto.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable for them to do a live investigation about this! Maybe the venue should be taken to the XXXX arena stadium here in XXXX XXXX on how the Americans have been ripping off by the www.crypto.com!
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (WI)

My account was hacked and I disputed transactions. They told me it would be XXXX hours on XX/XX/XXXX. They froze my account that day as well. I was credited the money back onto my account but my account is still frozen. I have called every day since the time they told me and they keep giving me the run around. I had explained to them that I was moving out of state and that I have XXXX children and this money is all I have until I start my new job. They just keep telling me that I have to continue to wait even though its been a week and 2 days and I actually had XXXX guy hang up on me.
Consumer complaint received 2022-12-09
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Transunion was dated XX/XX/2022, but I never received a response from them. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK (OK)

Attempted to withdraw funds from CD from mothers estate, bank refused to release funds for 3 to 5 days until legal could review documents which were scanned into their system. Placed complaint to corporate. As complaint was being placed, received call from branch manager, funds were now available. It is exasperating that we provided all of the proper documentation and this is the only bank of 10 that we have visited to close my mothers estate that refused to release funds from CDs, which she had invested with them, advising us that they would have to wait 3 to 5 days for a legal review. After complaining to corporate, received call from branch advising check was ready to pick up.
Consumer complaint received 2024-04-05
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. (TX)

I am writing to express my continued frustration and disappointment regarding the persistent issue of late open account associated with my account. Despite my repeated attempts to address this matter, I find it disheartening that I am now compelled to do so for the XXXX  time. 

Despite my efforts and the assurances I received, the late open account persist, tarnishing my credit history and causing undue stress and inconvenience.

The repeated failure to address this issue is unacceptable and reflects poorly on your company 's commitment to accuracy and customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem persists, with no resolution in sight.

I demand immediate action to correct this egregious error. I insist that the late open account be promptly rectified, and any adverse effects on my credit score resulting from this oversight be remedied without delay. Furthermore, I expect a formal apology for the persistent inconvenience and frustration caused by this ongoing issue. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. In XX/XX/2022, the Plaintiff notified TransUnion LLC, and XXXX XXXX XXXX XXXX about him being a victim of identity theft, he also gave the them a copy of the police report and requested validation of the account. 
2. The XXXX XXXX XXXX XXXX account is still being reported inaccurately, and incorrectly on my TransUnion credit report. Which means XXXX XXXX XXXX XXXX failed to provide timely and accurate information to me concerning the account in question, according to 12 CFR 1024.38. 
3. XXXX XXXX XXXX XXXX deprived my rights by validating an inaccurate, and incorrect account with TransUnion to publish this account on his credit report. 
4. XXXX XXXX XXXX XXXX also failed to validate the account with the third party XXXX XXXX XXXX. 
5. Once I requested information in writing regarding the account that is published on my TransUnion credit report, XXXX XXXX XXXX XXXX denied the account in question and didnt provide any further information about the account, which they are in violation of 12 CFR 1024.36. 
6. TransUnion failed to block the inaccurate XXXX XXXX XXXX XXXX account resulting from Identity Theft within 4 days.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires removed.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following inquiries are listed on my credit report and are unknown to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX