davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-20
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. (PA)

XXXX XXXX XXXX account number XXXX in the amount of XXXX opened XXXX this account is no obligation this is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all
Consumer complaint received 2021-06-20
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. (PA)

There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.
Consumer complaint received 2020-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I've been repaying for years and it's never ending. I end up oweing more and more, it affects my credit, I cant qualify for my first home or any loan. Its ruined my life completely.
Consumer complaint received 2020-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: California Business Bureau, Inc. (CA)

The company doing business as California Business Bureau is harassing me about paying a debt that is beyond the statute of limitations to collect a debt in California. The debt in question is more than 4 years old. They keep sending bills and I have sent multiple letters to dispute these accounts but to no avail. Please intervene so this harassment stops. Also some of the accounts are past 7 seven years old and should not be reporting in my credit reports any longer. This is causing me financial and mental stress.
Consumer complaint received 2020-04-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.
Consumer complaint received 2020-04-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account.
Consumer complaint received 2021-06-20
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)

XXXX account number XXXX is reporting a late payment on my credit report from XX/XX/2020 this is in accurate information and violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2021-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (TX)

Contacted mortgage lender and HUD RESPA Division XX/XX/XXXX with no assistance to correct document errors. CFPB beginning XXXX XX/XX/XXXX HUD- Director advised the Consumers to NOT CONTACT the Federal Regulator for assistance for enforcement of Violation EVIDENCE by the mortgage lender of TILA and RESPA LAWS AND REGULATIONS. 

Copies of CORRECT LOAN DOCUMENTS are requested for further actions by the Consumer.
Consumer complaint received 2020-04-07
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 — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (AZ)

My XXXX  Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted XXXX  directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from XXXX regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my XXXX  credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

XXXX not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from XXXX. I am emailing this message to the only email I can find for them hoping to get this issue solved.
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

DO NOT DISMISS AS A DUPLICATE! 

The original servicer was XXXX XXXXXXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. 
It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. 
First complaint is that it was one disbursement not two and should not have been divided. 
The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. 

A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

DO NOT DISMISS AS A DUPLICATE! 

The original servicer was XXXX XXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. 
It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. 
First complaint is that it was one disbursement not two and should not have been divided. 
The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. 

A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR
Consumer complaint received 2020-04-07
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: LEXISNEXIS (TX)

XXXX XXXX XXXX resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, Compass maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Maxitransfers LLC (CA)

On XX/XX/ I sent the amount of {$95.00} usd to a family member internationally to XXXX using maxi transfers through a company by the name of XXXX XXXX. As I've called countless times to check on the status of the transfer being as my recipient has to this day not yet received the money, have received no help from the company. So today I finally get through to customer service and i am told after giving information about the transaction that XXXX rejected the transfer due to the account not being able to receive international transactions at the time. So I kindly asked for assistance with getting a refund and was transferred to a customer service representative by the name of XXXX and after I provided her with the Confirmation number to the transaction was somehow disconnected. So I am now taking the necessary action of submitting this complaint. All I want is my refund for the money that was sent and never received please and thank you.
Consumer complaint received 2020-04-07
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. (ME)

All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they have not attempted to do.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-30
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-06-19
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. (NC)

I wrote each individual debitor/company 's asking for the original instrument of indebtedness in its original form. None of the companies have provided me with this request. These certified letters where sent back on XXXX XXXX after 30 days had expired. I inturn wrote equfax and experian. I sent copies of origanl letter mailed to the creditors along with the proof of certified mail. I advised them that the 30 day allowed time by law has expired and that none of the creditors have provided me with the requested documentation. I advised that these items should be deleted from my credit file. Once they received the letter they turned around and sent me an email stating that they where starting the ivestgation again and that it will be another 30 days. Please see attached below te letter sent to both Equfax and XXXX. I also placed and X where personal information was shown. 



Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SSN : XXXX XXXX DOB : XXXX XXXX/Equfax XXXX XXXX XXXX XXXXX, XX XXXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to the company XXXXX - XXXX XXXX ACCOUNT XXXXXX AND XXXX BANK ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX sent via certified mail requesting that verification of the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2021. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX phone XXXX ) purchased my debt from Atlantic Credit in XXXX 2020. I had an agreement to pay biweekly payments every 2  weeks for XXXX ( via automatic withdrawal from my checking account ) and had been making payments as agreed upon for over 14 months. 
Midland Credit sent me notice at my home that the debt had been purchased and that payments would continue to be withdrawn on a biweekly bases. 
They however sent notice to my employer as well notifying my employer of my debt. 
The Office manager received the correspondence from Midland and stated that they do not want to be responsible for garnishment of wages. The Office Manager at my work is now recommending that I be let go over this. 

On XX/XX/2020 I called Midland Credit and my call was transferred from one person to the next with no one acknowledging that they had even sent the notice of the debt to my employer. When asked to speak to a Supervisor there was no one available during routine business hours or in a Customer Service Role. When transferring my call they wanted me to pay the full amount of the debt on the spot and not address any of the issues that I called about. I notified Midland Credit that they are not to contact me at my employer since their actions may be the cause for my termination. 
These type of practices clearly step over the line of reasonable. If I had not been making payments on a regular basis, had defaulted on the original agreement then further action by a debt collector may be warranted, but this was not the case.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The due date on my XXXX credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th XXXX cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Recovery Services, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.