davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched 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 my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$980.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2024-06-20
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: Self Financial Inc. (MN)

According to the IRS an unpaid charge off is income and according to the FCRA income can NOT be reported on a consumer 's report. In addition I am experiencing financial hardship and unable to obtain a loan or housing due to the deragotary marks on my credit report and ask that the information be corrected. In addition according to the FCRA information reported has to be accurate this is not my first time saying this so I will be providing proof with screenshots of my report. Clearly the dates don't match so any inaccurate informaton needs to be deleted NOT updated once the company becomes aware of its mistakes
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

I have GAP credit card which was on auto-pay. Back in XXXX, XXXX bank was changed to Barclay because of which my autopay was removed. This caused a late payment fee on my XXXX, XXXX  month payment. I called the bank and requested them to waive the late payment and pay off my remaining balance. Barclay representative said your late payment is waived and you can pay the remaining amount on the call. I did that and since then I'm getting late payment charges. I had a chat with them again in XXXX, XXXX and again Barclay Representative said that its all clear from our end, there are no charges. Now in XXXX, XXXX they reported it to my credit history. I Called them 10 times and they are just transferring my calls to different department and they disconnect my it. Never calls back. I want to report against barclay because of this behavior.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-07-03
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. (AZ)

This Is my Fourth written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 

The unverified items listed below remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

15 USC 1681o Civil liability for negligent noncompliance XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors (CA)

The provider was previously submit the bill claim incorrectly to my insurance that causing the wrong bill balance. The collector closed previous CFPB claim using false information. The provider finally submitted a correctted claim compliant to the insurance claim policy in XX/XX/2024 and my insurance have made the corrected payment of {$1500.00} for the bill. Including my payment of {$120.00}, the bill was fully paid.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have not Applied for any credit account or loan accounts in the last 3 years and I have noticed I have some inquiries on my TransUnion account that I did not authorize. I was told that they would be a soft inquires but instead they were hard inquiries by these companies listed below!! These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. A request for your credit history is called an inquiry. There are two types of inquiries, hard and soft. A soft inquiry will not affect your credit score, but hard inquiries may. Hard inquiries remain on your credit report for two years. 
XXXX XXXX Delete XXXX XXXX XXXX Delete XXXX XXXX XXXX Delete XXXX  XXXX XXXXDelete XXXX  XXXX XXXX Delete XXXX XXXX XXXX Delete XXXX
Consumer complaint received 2023-07-03
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. (FL)

un-autorized INQUIRIES AND ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

I own a XXXX. I entered into a contract withMoneyGram to become an XXXX. An employee ofMoneyGram contacted me saying the lease wasexpiring on the terminal they furnished. Longstory short my business was scammed out of {$38000.00}. I have proof it was an employee ofMoneyGram and I am still being sued. 
MoneyGram did not cooperate with the policeor my lawyer. My attorney asked for proofthat the money was paid to whom, when andwhere. We were told the information wasirrelevant. I need help I am being scammed2x by the same company
Consumer complaint received 2023-07-03
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
Employer is not ; XXXX Address is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Someone opened a Capital One credit card in my name without my consent, billing address was to somewhere out of state, the purchases made were blatant suspicious activity. Capital One won't provide requested documentation to dispute fraud.
Consumer complaint received 2022-09-12
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. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This the ground for removal they also violated my rights under 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 agency can not furnish a account without my written instructions XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. TN CHILD SUP # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX AZ XXXX ) # XXXX XXXX XXXX XXXX XXXXXXXX # Duplicate Account Overall, according to the 15 U.S.C. 1681 n ( a ) ( 1 ) any actual damages by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

I want XXXX XXXX per violation or to remove the accounts. 

Please adhere to this : Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different.
Consumer complaint received 2021-01-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Ive filed a dispute in regards of the incorrect information on my credit report. It has well been over 30 days and yet havant received any status of investigation or results.
Consumer complaint received 2015-07-11
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

was contacted via mail in regards to a debt over 10 years old. contacted thhe agency was mini miranda without verifying correct party confirmed that the account was past statute was asked to resolve and informed the agency i wasnt interested in resolving.. received another call where my identity was not verified and the debt was disclosed i asked why i was still being contacted in regards to a past statute account and why the office was demanding payment the representative stated their office will continue to contact for payment until resolved the representative made me feel harrassed and i communicated that at which point she confirmed it. the representative was talking over me shouting and being argumentative the entire call.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

National Credit Systems did not adequately resolve my last complaint. The XXXX XXXX XXXXXXXX XXXX refused to accept a subletter that I had found that met all requirements to " mitigate damages '' to a lease I was claimed to owe money towards, as in, I had found an individual that was willing and prepared to accept all debts claimed by The XXXX XXXX  XXXX XXXX. This was following their own mitigation of damages, in which they found an individual to move into the unit I was claimed to have been assigned. Because they mitigated damages to the unit I was claimed to have been assigned to, and because they refused to allow me to mitigate damages on a supposed alternative unit, I have no obligations of payment and the debt is invalid. 

To substantiate these claims, please refer to original communications attached. 

One series of communications was with an individual named XXXX XXXX, who would have been my roommate in the unit I was claimed to have a lease for. It was only through this individual did I discover that The XXXX at XXXX XXXX had themselves mitigated damages. The XXXX did not communicate this to me at any point beforehand. This affirms that they themselves successfully mitigated damages. 

The other series of communications was with an individual named XXXX XXXX. These affirm that I successfully found a subletter to mitigate any damages I would owe towards the supposed alternative unit, that The XXXX at XXXX XXXX refused to share the unit number, and therefore refused to allow me to mitigate damages. 

The information I've provided here, including direct evidence that I've worked in good faith with The XXXX at XXXX XXXX to mitigate damages but they refused it, demonstrates that they've acted inappropriately and coercively. It is especially shameful, given I was a poor college student, working 2-3 jobs and donating XXXX XXXX weekly just to make ends meet. 

A speedy resolution with the complete removal and total expungement from my credit reports of any collections and derogatory marks stemming from claims made by the XXXX at XXXX XXXX XXXX or National Credit Systems .
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting an account under my name and social security number that I never opened. This account was opened due to identity theft. I provided a police report during my dispute to them. I was never associated with Bank of America or any personal or business account being reported.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by Bank of America on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with Bank of America, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have made a mortgage payment to Amerihome Mortgage company on XX/XX/2022 also I have sent proof of payments documents and also my bank XXXX XXXX XXXX XXXX has sent proof of payment documents and for home mortgage company is still refusing to apply the XX/XX/XXXX payment and Amerihome is threatened me with foreclosure documents.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2023 .I withdrew {$2000.00} from a Wells Fargo ATM on XXXX and XXXX in XXXX XXXX Nevada after trying to deposit the money back into the ATM. It had an error that it didnt take deposits, so I held onto the money till that afternoon when I went to the gym and tried to deposit it into a XXXX and XXXX XXXX XXXX XXXX , NV ATM , which only deposited XXXX before malfunctioning also.I tried calling multiple times with no resolution it was after hours, so thats all I could do. I had to go back to work the next day with a busy week when I finally got through the bank gave me a temporary credit of {$1300.00} pending investigation. Today is the day after XXXX XXXX XXXX XXXXXX/XX/XXXX three months later they being Wells Fargo revise the credit and withdrew {$1300.00} out of my account saying that there was no error made. This is a XXXX false the ATM stole my money and now Wellsfargo is trying to overdraft my account with multiple charges. What can I do to resolve this and get my money back?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.