davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 the 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 that 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 Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I paid both accounts with commenity capital bank in full in XXXX XXXX Both accounts should be zero and there should not be XXXX late payments ( XXXX ) on either account, since the accounts were paid in full.
Consumer complaint received 2019-09-11
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. (VA)

Equifax keeps playing games with my credit report. I made some disputes with the CFPB, the information was corrected showing decreases in my balances, and Equifax immediately drops my score by 53 points as retaliation.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

In XXXX of XXXX, I opened a credit card with Capital One. I never received any documentation in the mail, I paid {$100.00} on time and they charged me a late fee. Today XX/XX/XXXX, I spent roughly 30 minutes getting that " late fee waived '' I was not late on the payment. They are now keeping the {$25.00} for 3-5 days to post into account and it shows up as a missed payment. 

It gets worse : XX/XX/XXXX CASH ADVANCE FEE OtherXXXX XXXX ... XXXX {$10.00} XX/XX/XXXX INTEREST CHARGE : CASH ADVANCES Interest ChargeXXXX XXXX ... XXXX {$0.00} I never used any cash advance or took cash out on the card. I paid a company {$53.00} and they are telling me the {$10.00} is from that. So they are stealing {$10.00} now with interest. 

The supervisor I spoke with XXXX XXXX ( employee id ) refused to provide me with any information on how to file a written complaint. I signed up for this credit card to re-establish my credit. The way they are behaving is extremely predatory. I have a XXXX {$10.00} plus interest is a lot of money to me to just have stolen by a big credit card company.
Consumer complaint received 2022-09-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 

( XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX For # C ) 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 2023-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

On XXXX XXXX after reviewing my credit report, I wrote a letter to Midland Credit Management to dispute the debt as I was unaware of this collection. I asked XXXX to provide proof this debt is mine including a certified document with my wet signature and proof of their contractual relationship with the creditor XXXX XXXX Bank that authorized them to pursue this commercial claim. 

I received a response dated XX/XX/XXXX with a copy of a final bill from XXXX, and a default judgement for a court date I was never notified of. There is no proof of service of process or any documentation submitted to me so that I may dispute the billing. As per their documentation I was served at a previous address in XXXX  on or about XXXX of XXXX, but I had not lived at that address since XXXX of XXXX and in fact another family was living there. I had moved to another state, and there was a forwarding address on file with the XXXX. 

Midland also failed to provide the requested proof of account ownership by me with a certified contract/agreement with my wet signature.
Consumer complaint received 2023-03-08
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: SYNCHRONY FINANCIAL (MI)

Synchrony bank keeps doing an ACH directly from my checking account every day for {$2100.00} but my monthly auto pay is only {$100.00}. I don't even owe.more than {$360.00} on the account. They keep telling me it's my banks problem. Someone is using my account number and bank routing number to pay their synchrony/Lowe 's bill. My bank has to stop processing the payment every day.
Consumer complaint received 2023-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NV)

On XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID so you can see my signature. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

During COVID I had financial issue, like many people, and I got behind on my credit card payments. I worked out a plan with XXXX to make payments. In XX/XX/2023 I paid off the balance in full, in the amount of {$5200.00}. 

I asked XXXX to send me a letter stating my balance was paid in the full, the amount I paid, and to state I had a XXXX balance on that account. They told me a letter like that could not be done. 

My credit reports show that XXXX wrote off the balance. it does not say " Paid in full '' with a XXXX balance. XXXX told me that's what it would say.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (SD)

I was called by a man, named XXXX XXXX, claiming that if I wanted to save my property I needed to make XXXX payments that day, which was XX/XX/. He had me get a XXXX postal money order and overnight it to their lawyer in Florida, and this was to stop foreclosure proceedings. After making this initial payment, I was skeptical so I called the XXXX number on my mortgage paperwork and they couldnt verify that he worked for the company, Shellpoint. I texted this man and asked him why he was scamming me. He immediately called me and said this was not a scam. He then proceeded to ask me if I wanted him to call me from the XXXX number and I said yes. He called me from the same XXXX number that I used to call my mortgage company. He called me again on Friday, XXXX XXXX XXXX  to give me a confirmation number for my payment. He also called again on Monday, XX/XX/ to say that they were going to do a loan modification and reduce my payments to {$720.00} and lowered the interest to 2 %. Then he asked when I could make my first payment. I told him the XXXX because that was my next payday. I got my income tax refund back before then so I thought I would make my payment early. I called XXXX XXXX, because he told me that he was my new point of contact person, and again made my payment the same way. Postal money order, to the lawyer, XXXX XXXX XXXX XXXX, overnight. It cost me over {$100.00} just to send payment this way. I have all text messages and receipts for these transactions. He called me again after this payment to give me another confirmation number. Im supposed to make 2 more payments this way. I received a new statement from my mortgage company and none of the payments were applied to my mortgage so I called the mortgage company again. This time the man I spoke to said it was a scam. Im unsure what to do next, but these people need to be stopped from taking money from innocent victims.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (GA)

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Simply put, among many issues ( some of which are reported here ), one of my loans was closed without my content. I had asked for a full refund AND to close the loan. The statement was clearly bound by the 'and ' yet without clarification or another word closed the mortgage. I then had no recourse to collect my money back or continue with the mortgage. They should either refund the full application fee or reopen the mortgage application as my intent was not to close it without the refund, hence the and statement. Thank you for understanding. 

Loan Number : XXXX Complaint against : XXXX XXXX | XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  | Chase | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX | Office : XXXX | XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX | XXXX | Office : XXXX If the chase team wants to reach me can call me on my recorded line or leave me a VM. After many unethical actions by this chase executive office team, i am no longer able to take their calls on non-recorded lines. When they get my VM, they state they are still researching yet when called back from a non-recorded line they miraculaly make up facts and close the case at their convenience. XXXX XXXX
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

These items reported by Capitalone Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to XXXX Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from Capitalone dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on Capitalone is lowering my credit Score.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

Credit Resource Management is reporting on my CR with a " debt '' that state is owed by me, natural person. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Credit Resource Management or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Credit Resource Management. I have yet to witness a " wet ink '' signature between myself and Credit Resource Management nor have I ever received a True Bill in commerce in regards to this account. There is NO valid contract.
Consumer complaint received 2023-03-14
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. (TX)

According to ( FCRA ) 15 USC 1681i ( 5 ) Equifax will and is playing games with me and is hindering me from moving forward with buying a house and being able to get my background report to pass. I want for them to stop playing theses games and remove all theses accounts. I spoke with someone on Equifax end they flat out told me that CFBP don't and will not make them do nothing and for me to keep reporting inaccuracies. Please is you look below theses are the games they are playing using all the stall tactics. I have sent certified letters and even submitted information attached below numerous of times. How is it a violations and they keep getting away with this.
Consumer complaint received 2024-02-21
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. (NY)

A utility account has been fraudulently applied to my credit profile. The account is dated for XXXX of 2023 in the amount of {$190.00}. The company refuses to listen to reasoning that the account is fraudulent.
Consumer complaint received 2024-02-21
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. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

Seeded started A XXXX XXXX XXXX account where they were taking XXXX dollars out of my checking account every other week.The account has matured and they are giving me a hard time about vetting my money back.They gave me a so called loan for XXXX XXXX  but it works in reverse I never saw a dime of the loan but I was paying money into an account that I never had access to.
Consumer complaint received 2022-05-31
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. (WA)

In accordance with Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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.
Consumer complaint received 2022-09-25
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. (VA)

Dept of Ed/XXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also Dept of EdXXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Dept of EdXXXX is reporting on my CR and have also included late payments that are not correct. Per the latest case Sweet v. Cardona. The XXXX XXXX XXXX University is on the list of schools in connection. Also DepXXXX of Ed/XXXX does not hold a contract with myself and them. There was no written request for me to provide any permission to have this information reported on any Credit Reporting Agency.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NJ)

Received a collection notice from XXXX regarding a debt for Paypal. I contacted XXXX around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to Paypal with no response.
Consumer complaint received 2022-05-31
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. (CA)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE acocunt on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.