davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC (GA)

Asset recovery sent a letter offering a settlement amount. I have no contractual agreement with asset recovery. The statement date on the letter says XXXX. The letter mentioned that I had until XXXX to accept the offer and to stop collection attempts. Well I spoke with a representative by the name of XXXX on XX/XX/2023 at around XXXX. I called in to say that I would like to settle the amount owed if they are able to provide me with the original account number so that I can make the payment online via XXXX. Asset recovery wasnt able to provide me with a correct account #. The letter that assets sent me shows an ID and a 16 digit account number. The letter only shows the last 4 digits of the account number and the other remaining digits are have a asterisk. I asked two different representatives for the account number and the first one had no idea what I was referring to. So she referred me back to XXXX the account XXXX XXXX provided me with the Id number which was 8 digits long and an account # that was only 9 digits. Which is clearly isnt correct info according to the statement letter that I received regarding this debt. So it seems to me that there is no original instrument of indebtness in existence since Assest recovery wasnt able to provide me with the original account number thats needed in order to pay the debt online on there site ( XXXX ). Which again should settle the matter legally and financially. I would appreciate it if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining why they can not produce the original account number/contract, and why their debt collection agency Assets Recovery is unable to provide me with the original account number. 

Now I came to find out they reported this debt to the credit agencies but they are unable to provide me an accurate account number/validate the debt. This is a flagrant violation of Fair Debt Collection Practices Act 15 U.S.C. 1681et seq.
Consumer complaint received 2023-01-07
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. (GA)

Please delete these inquiries from my report as I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX ... .has been reporting XXXX missed/late payments for XXXX, XXXX, XXXX, XXXX an XXXX of XXXX. Next XXXX, XXXX and XX/XX/XXXX totaling XXXX payments This payment history is only showing on my XXXX profile. I've reached out numerous of times and they have still said that its accurate. They have been working against me throughout this process.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 ) XX/XX/2021
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-27
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. (GA)

I am writing to delete the following information in my file. the items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Claim # XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Chase Bank, Fraud Dept Fax # XXXX Re : Claim # XXXX On XX/XX/XXXX XXXX XXXX XXXX was contacted by phone someone claiming to be from Chase Bank XXXX XXXX. He told her that fraud had occurred on her joint account with her husband, XXXX XXXX. He was able to mention several legitimate charges and then mentioned a {$2000.00} XXXX transfer to son, XXXX XXXX ( also a customer of Chase Bank ), a transfer that we never made. He said that we should get XXXX on the phone with him still on the line and get XXXX to transfer the money back to our account through XXXX. He said that if he didnt do that, he would be included as a suspect in the fraud. So, XXXX transferred the money back through XXXX, but it didnt arrive back in our account. Then, another {$2000.00} was transferred from our account ( though we didnt do it ) into XXXX account. He was told to transfer it back to our account, and he did. But it never came back into our account. XXXX tried a third time to transfer the {$2000.00} back ( since he thought something went wrong with the XXXX transfer since it didnt come back into our account ), but none of the money ever came back into our account. It was obviously intercepted by the gamer when XXXX tried to transfer it back to us. 

We made a claim with Chase Bank, and it was denied. Chase Bank sent us {$2000.00} back temporarily while the investigation took place, but then took it back after they concluded their investigation and ruled that all those transfers were legitimate and done by our devices. After this claim was escalated, Chase Bank eventually sent back {$2000.00} into our account. But not the full {$4000.00}. 

After two phone calls with Claims supervisors, both of whom purposely disconnected us and hung up on us, we are faxing the documents that clearly show that Chase Bank needs to send back the other {$2000.00} to our joint account ( which has been frozen and another opened ). 



Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid 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 (FL)

My credit card was fraudulently used for 3 transactions. After filing a dispute with capital one they made me repay the money and terminated my account. When speaking to a representative they told me the fraud happened because I didnt lock my card
Consumer complaint received 2023-01-07
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)

Investigation Request Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX [ Equifax Information Services, XXXX XXXX XXXX XXXX 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 XXXXXXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX XXXXXXXX  sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Auto Loan Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a XXXX party and delete if anything is incorrect. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX XXXX accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

HEY, I sent multiple letters asking XXXX, Transunion, and XXXX. Here is my tracking number XXXX. 
It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i- XXXX, Transunion XXXX and XXXX have XXXX to investigate and send me the results. 

And they also didnt even record the current status of the disputed information which is another violation. 

Also If they are doing investigation why arent they showing me documented proof. 
THEY CAN NOT GET PROOF FROM THE COLLECTION AGENCIES OR JUST BY CALLING THEY NEED DOCUMENTATION.
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (TX)

I had an account with Synchrony bank for a Rooms to Go account. I had a {$5000.00} credit limit with 0 % interest rate loan with a 5 year term. I have paid every payment on time and never been late. They lowered my limit down to the balance that was left on the account. I just received an email stating that they now have closed the account and it is showing as a settlement on my credit. I never agreed to a lump sum payment and account was always current in good standing.
Consumer complaint received 2022-11-26
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)

In XXXX of XXXX, I found out that XXXX XXXX XXXX XXXX issued a {$30000.00} credit card or a loan in XXXX of XXXX to someone who might have committed an identity theft. I filed a dispute with XXXX, XXXX, and XXXX and all three of them didnt find anything wrong with the information provided by XXXX XXXX XXXX XXXX XXXX From the information reported, I can assure that the address and the telephone number of the individual who took the money do not match mine. I never applied for that line of credit.
Consumer complaint received 2022-11-26
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. (NC)

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. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX XXXX  # XXXX, XXXX  # XXXX 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 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX  Attached is the proof I owe XXXX $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.
Consumer complaint received 2023-01-07
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. (AR)

I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. XXXX was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX card account XXXX. Please have the company investigate this account. And finally XXXX bank XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.
Consumer complaint received 2022-10-26
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)

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 and 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 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

XXXX XXXX XXXX would grant my ownership of my account once issued the proper documents to do so. I've sent multiple negotiable instrument to tender payment none have been honored. Companys director of compliance XXXX XXXX personal insists that I pay CASH for my car note. Even after informing him the I was indeed the HOLDER IN DUE COURSE. An that It is evidence of my having a title of ownership by my receiving statements at my principal residence. Not wanting to hear me out ended the call. I issued a notice to rescission or assent on all promises to perform on this obligation.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-07
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX  I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-01-07
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. (OH)

I ordered a copy of my report on XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX I believe it was reported in error XXXX XXXX XXXX XXXX Balance : {$13000.00}