davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-17
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: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOBXX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAG Reported : XXXX XXXX, XXXX - {$960.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAG Reported : XX/XX/2020 - {$960.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX
Consumer complaint received 2023-01-18
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. (GA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023, Wednesday I received an email message from Amazon, secured my card, saying, Great job! You're now eligible to activate the Store Card features. I excepted the offer. I had problems with the link in the email to accept the offer for the upgrade Amazon Storecard. Synchrony Bank runs both cards. I had to contact them five times to finally got the right department staff. They said they needed me to verify my identity, so they gave me a website link to go on to verify my identity. I have been a customer of their Amazon-secured card for about two years, so I was a little confused. Still, they said this upgrade Amazon Storecard is a much better card, and I get my security deposit back from the secured Amazon card, and a new card will be mailed out to me, the Amazon Storecard. The link they gave sent me to a website to verify my identity with my ID. I kept trying to do it, but the system said my lighting was not good. So it wouldnt let me keep trying, and the representative from Synchrony Bank on the phone said I would get a letter in the mail in the next 7-10 days. The letter came, and they declined me because, unfortunately, based on the results, those checks they did could not verify my identity. I dont understand why you say that when I have been a good outstanding customer for about two years. I did had a credit alert on my credit reports with three major credit agencies to contact me if anyone apply for a new credit the same phone number with Amazon Synchrony Bank is the same number of my credit reports to contact me. I told the representative at Synchrony Bank is that the reason for all this security concerns.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX : {$14000.00}
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX  loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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 Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : XXXX XXXX Account Number : XXXX, has violated 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 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. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX XXXX 10 years ). 

The President of The United States, XXXX XXXX, also announced student-loan relief for borrowers.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
Consumer complaint received 2023-01-17
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. (FL)

LCI, is reporting this bankruptcy on my credit report, and they have put in the Data Furnisher as being the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX XXXX XXXX Florida verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring services nor do they verify and validate any information concerning bankruptcy. LCI is falsely stating this information on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2023-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

There were fraudulent charges on my Synchrony Bank ( Amazon ) credit card in excess of {$300.00}, all related to XXXX, XXXX and XXXX. I filed a fraud complaint with the company, paid all legitimate charges on the account and closed the account ( XX/XX/2022 ). The company took several months to respond, refunded me {$97.00} and charged interest and late fees on the fraudulent charges during the several months that they took to respond. The company is now harassing me with several calls and emails on a daily basis, and the " balance '' is now in excess of {$300.00}, all consisting of fraudulent charges, late fees and interest. I have called the company, filed online and also participated in an online chat. I can not get any resolution and my excellent credit is being ruined by fraud, deception and incompetence.
Consumer complaint received 2023-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX XXXX bank obtained a copy of my credit report ( hard inquiry ) on Saturday, XX/XX/2023 without my consent or authorization, I haven't applied for any type of loan/credit/financing. I've been unable to reach anyone with this institution although placing numerous phone calls. 

Capital One also obtained a copy of my credit report ( hard inquiry ) on Monday, XX/XX/2023 again without my consent or authorization. Again I've haven't applied for any loan/credit/financing. I've contacted Capital One and spoke to someone who.advised me to contact & dispute with the credit bureau, which I have also done.
Consumer complaint received 2022-02-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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: Fidelity National Information Services, Inc. (FNIS) (LA)

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 or provide proof in writing within 30 days.
Consumer complaint received 2023-01-17
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: AMERICAN EXPRESS COMPANY (IL)

There was a package that was temporarily lost I ordered via XXXX back on or aroundXXXX XXXX  XXXX for XXXX in total, XXXX for the transaction and the remainder for exchange fees. 

The recipient initially told me the package was lost and not delivered to the right location. This was in error. I had reported the package lost to Amex, who dispuited the charge. They reached out to XXXX, who placed a block on the sender, XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX has been unable to conduct business effectively because AMEX claims that their system was not sending automated communication to XXXX the issue is resolved. The dispute was rescinded on or around XX/XX/XXXX. Payment was made to AMEX on the accurate charge back on XX/XX/XXXX. This money is still not sent to XXXX via XXXX. AMEX is either intentionally or unintentionally keeping the funds. 

I have called weekly about this issue and spoken with a supervisor most recently on XX/XX/XXXX saying a technical issue never seen the cancellation to XXXX. 

This is well beyond unacceptable.
Consumer complaint received 2022-02-25
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I noticed that there were 3 wire transfers out of my checking account to an unknown person named XXXX XXXX. With no knowledge of this person or any reason why money would be transferred out of my account, I immediately contacted Navy Federal 's customer service line, where representatives assisted me in filing a fraud claim over the phone, signing a fraud affidavit, contacting local law enforcement, and closing my compromised account. 

However, since XX/XX/XXXX, the only communication from Navy Federal has been the detail-less denial of my claim without any evidence or consideration. I have been repeatedly stonewalled by customer service representatives that do not who to refer me to, if anyone, where I seek information to properly get my money back. I have only received two communications -- one denying my claim without any context, and another denying my appeal without any context. Navy Federal Credit Union, its fraud team, and its customer service staff have been negligent in properly investigating the loss of my money in a fraudulent transfer, and have not helped whatsoever in the investigation by XXXX XXXX Police Department, nor forwarding any information that may assist me. 

Navy Federal Credit Union has all the information necessary to approve of my fraud claim and forward information to law enforcement in order to stop this fraudulent activity, and has clearly no respect for their customers. They have the banking information of my old bank account, including the time, date and account number of the fraudulent transfers, but I am getting detail-less denials that there was any wrongdoing.
Consumer complaint received 2019-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP (FL)

I received a letter today XX/XX/XXXX from an Rausch Sturm attorney at law with my maiden name stating I owe {$13000.00} for XXXX XXXX XXXX. I have been married for 18 years and have not used my maiden name since XXXX. I dont remember using XXXX XXXX XXXX for anything financial prior to that or since I have been married. The letter states payments need to be made to XXXX XXXX XXXX. I have not called this company due to scams. I do not think this is legitimate as the Statue of Limitations would be in effect.
Consumer complaint received 2021-12-31
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. (TX)

I wrote Equifax on XX/XX/2021 requesting that 7 year old entry from closed XXXX XXXX account with XXXX balance be removed permanently from my credit report, but received no response.
Consumer complaint received 2020-01-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MO)

In over 40  years of loans and mortgages, this is the worse company I have dealt with. Was pre approved and paid {$500.00} application fee. Spent XXXX on attorney to make sure title co had everything was taken care of. A lot of this could have been handled by XXXX XXXX and XXXX XXXX. They were so slow at requiring more info needed. That I had to resubmit things several times. I spent numerous hours on e-mails and phone calls ... most a week or so to return or not at all. I spent a lot of time on items requested also. Now after 6 months, application is closed. I should have my Application fee returned. I intend to send this to as many review places I find included Consumers Reports if I am not reimbursed my application fee. All I wanted to do was lower my mortgage payment and make a few improvements. I have all correspondence with them saved. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-01-17
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. (CA)

XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!
Consumer complaint received 2022-06-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I found XXXX discrepancies on my XXXX report through XXXX XXXX on XX/XX/2021. I went to the XXXX site to verify because I never received a written notice from XXXX concerning these collection accounts. Once I logged in the XXXX website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, XXXX free report per year. XXXX did not provide any options for a free report. These XXXX collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every XXXX months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the XXXX site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with XXXX.