davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was defrauded {$35000.00} from someone who called me saying that they were a friend and needed help. Through one transaction from my XXXX XXXX XXXX account to Bank of America, one wire of money was transferred for {$35000.00} XX/XX/XXXX at XXXX from my XXXX  account to Bank of America customer . The person initially contacted me an started out nice, they through several threatening messages convinced me that I had to transfer the money to them. A I reached out to my bank at XXXX XX/XX/XXXX to notify them of the situation and they said that there was nothing that they could do. I opened several CFPB complaints and both complaints were closed after XXXX said they were not able to do anything from their side and that I needed to reach out to institution where the client whose account the money was sent. 
I have copies of the harmful messages which they sent to me. I also experienced a lot of harassment phone calls from XXXX and other places.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have been submitting various requests to XXXX, XXXX and Equifax to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/XXXX, a collection account appeared on my credit report for a utility bill that I was unaware of due to a combination of moving and the utility company 's error in forwarding my final bill to the wrong address. Upon discovering this, I immediately contacted the utility company, as evidenced by recorded calls, and made a full payment directly to them after receiving confirmation that the collection would be recalled. 

I believe that Transworld Systems Inc. and XXXX XXXX engaged in deceptive practices and false representation by reporting this collection without providing me with proper notice or opportunity to resolve the issue directly with the utility company. This has caused significant harm to my personal life and finances. 

I request that the CFPB investigate this matter and take appropriate action to rectify the situation and prevent similar occurrences in the future. 

PS : Attached is proof of my payment to XXXX, XXXX balance on my account
Consumer complaint received 2023-09-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (WA)

I did not give consent to have a report of collection on my credit report. I've never received a validation notice. Or my right to dispute the validation notice with my attorney via letter to litigate. I'm XXXX. it's been XXXX years since XXXX  XXXX. My address is verifiable with usps and hasn't changed in XXXX plus months. I meet the govt help for affordable connectivity program from XXXX income. The account needs to been closed and removed like every thing else has been. 

I can't handwrite and rely on dshs and my attorneys.
Consumer complaint received 2023-05-15
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (FL)

Rent Recovery Solutions sent me a notice of collections on a debt and I promptly responded via certified mail ( in less than 30 days ) asking for validation. They took their time ( about 45 days ) and sent me limited information that did not substantiate the debt. I sent another reply asking for further information as well as proof that they are a valid collections company that is licensed to collect in my state and they did not send me the information I asked for but still reported the debt on my credit report even though it was still in the dispute process ( started in less than 30 days after first notification ). 

I called them and asked them to remove the debt from my credit report so we can continue the validation process and they refused. They are operating in violation of the FCRP and are offering me no recourse. I just want the federal laws to be followed and a fair chance to make sure this is a valid debt. This debt should be removed from all of my credit reports until validation can be made.
Consumer complaint received 2022-12-27
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, XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2024-02-23
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. (AZ)

To Whom It May Concern : 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.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2022-12-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Item disputed XXXX XXXX XXXX XXXX XXXX 
Issue type Account ownership and fraud issues Issue This is not my collection. 
Item disputed XXXX XXXX XXXX XXXX XXXX XXXX 
Issue type Account ownership and fraud issues Issue This is not my collection. 
Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue This is not my collection.
Consumer complaint received 2020-01-09
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. (UT)

XXXX  XXXXXXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Consumer complaint received 2020-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I applied for Loan Forgiveness and was denied. My loan was {$6000.00} & now is {$8000.00}??? 

I worked 28 years as a XXXX XXXX. I've been making Student Loan payments for 15 years and my loan has gone up in Debt by {$2000.00}?
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

Us Bank charged fees anyway they can ... sometimes days later with bogus explanations. I go days with a positive balance then all of a sudden Im charged overdraft fees for things that were fixed days prior. This bank seems to be charging their low income and struggling customers more fees as often as they can. I am being charged fees and have met people having the same issue but because its a bank no one will help or even look into it ... I know this company wont help either but at least Im speaking up so in the future when some XXXX  person gets done the way Im being done and other XXXX  people are being done and gets assistance she needs I have proof and can say I asked for help also but being XXXX in Amerikkka no one cares about what happens to me or who does me wrong.
Consumer complaint received 2020-01-09
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)

On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-02-23
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.

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 2022-12-16
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: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report.
Consumer complaint received 2024-02-23
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. (MO)

XX/XX/year> Consumer Protection Rights On this day I contacted Experian Fraud Division at ( XXXX ) XXXX on a recorded line and was informed of XXXX XXXXXXXX accounts being blocked and reported as fraud. However XXXX XXXX as a creditor contacted Experian to have them unblock the accounts placing item that was once Deleted by Experian to reappear on my Credit Profile causing me XXXX XXXX and to be denied a home loan. 
XXXX Experian Special Services also stated that as a Consumer I do infact have no rights with Experian and that Experian listens to the creditors because that's how Experian makes there money by the creditors paying to use Experian Services. 

I beg for help and protection against these creditors being allowed to maintain fraudulent information on consumers credit reports. As stated I've filed a Identity Theft Complaint and Numerous FTC and CFPB complaints which Experian recommended inorder to have XXXX XXXX items remov3d and blocked from accessing my report. 
I've complied with each step and need protection. Please contact me in writing. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (MI)

To remove fraudulent inquiries off my credit report frustrated to discover numerous fraudulent accounts tarnishing my credit report, seriously jeopardizing my creditworthiness. In my pursuit of securing funding to buy a home in XXXX. for my family, these unwarranted entries persist despite multiple attempts to have them removed. 

XXXX inquiries Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 inquiry XXXXXXXX XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I disputed a total of 3 unauthorized transactions with Chime. I have provided Chime supporting documentation and evidence which demonstrates the 3 transactions are unauthorized transactions. Yet, Chime has not provided credits for the unauthorized transactions. I filed a police report with XXXX Police Department for all 3 unauthorized transactions and provided the police reports to Chime. 

On XX/XX/XXXX, an unauthorized transaction in the amount of {$200.00} was sent via apple pay to phone number : XXXX. 
I contacted the phone number and asked for the money to be sent back to me as it was sent without my permission. I did not receive a response. XXXX XXXX report # XXXX. 

On XX/XX/XXXX, an unauthorized transaction in the amount of {$300.00} was sent via apple pay to phone number : XXXX. 
I contacted the phone number and asked for the money to be sent back to me as it was sent without my permission. The lady who answered the phone refused to send the money back. I reported the unauthorized transaction to Chime however Chime denied the request to credit the funds back to my account. I am requesting for Chime to immediately provide credit for the unauthorized transaction and resolve the claim in my favor as I have provided adequate evidence and will include supporting documentation to the CFPB complaint. XXXX XXXX report # XXXX. 

On XX/XX/XXXX, An unauthorized transaction in the amount of {$300.00} was sent via XXXX to username : $ XXXX. I sent a request to the XXXX user to return the funds and the user declined the request. On the user 's profile the following phone number is stated : XXXX. XXXX XXXX report # XXXX. 

All three unauthorized transactions were deducted from my Chime Checking Account. Thus, I am requesting an immediate credit to my Chime Checking Account for the specified three unauthorized transactions which are detailed above.
Consumer complaint received 2023-03-15
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. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-26
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. (NJ)

Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  balance {$5000.00}. Inquiries XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation (NC)

This car was purchased on XX/XX/2016 which was by my ex- husband. At the time of the purchase we were divorced. I NEVER consented to this purchase. I have reached out to XXXX XXXX or Bridgecrest several times ; however they refuse to remove me from this loan. I have reached out to XXXX XXXX to get the original documents with the real signature ; however all they have is the digital copy which is complete fraud. I have attached the divorce documentation as well as a copy of the digitally signed purchase agreement that I was able to get from XXXX XXXX. In order to keep holding me accountable ; I need the original documents with my signature ( which they will not find ). This should be removed my credit file ( which is not in bad standing ) if they can not prove that I walked into XXXX XXXX and physically signed this document ( which I didn't ).