davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (CA)

I am begging for help with Experian they have placed a fraud account on my credit report for US DEPT OF EDUCATION. I have explained a million times that I have never been to college or taken a loan in my name for education for my self or anyone else. I previously submitted a police report and an identity theft report. I called to follow up they told me they never got it but some of the accounts that was included on that report they deleted. I called back to follow up again the Rep said he could not look back in the files at old information even if this account was included. They have made this an entire nightmare. I have been trying to get this account that someone else opened off my credit but it seems as a punishment someone will not " READ & UNDERSTAND '' THIS A FRAD ACCOUNT OPENED IN MY NAME. 
Each time I contact CFPB XXXX  responds that this matter must be investigated which they never do please look at all the complaint and have them delete this account IMMEDIATELY.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

A fraud hold was placed on account for a check that was deposited the got returned in XX/XX/2020 We thought we had the matter resolved with the bank ( keybank ). We received a government direct deposit, when to pull the funds out and was told there is a fraud hold on account. We waited 3 hours for them to figure out what was going on and for them to remove fraud hold and release our funds to us. This was in XX/XX/XXXX. We were told that the account was back in regular standings. Now here we are XX/XX/XXXX and received another government direct deposit and our account still has the same hold and they are preventing us from withdrawing our funds. We have been at a branch location for 4 hours and still no resolution.
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is a XXXX account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted the 3 credit bureaus regarding the incorrect names, addresses, phone numbers, and employers on my reports. The first letter i sent was on XXXX XX/XX/2021, the second letter was on XXXX XX/XX/2021. XXXX and XXXX responded to my request by removing the incorrect information and updating my reports. Experian was unwilling to do this stating that they were unable to change that information which is a lie as the information is incorrect and may be a potential avenue for identity theft or fraud since my mail is going to an address and under a name I don't use. When I spoke to Experian regarding this concern and informed them I needed to get this corrected for my identity security, and that I would be taking this matter up with the CFPB to try to rectify this, their response was good luck with that, then they hung up.
Consumer complaint received 2024-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plaza Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request Account Numbers : PLAZA SERVIC XXXX | Balance : {$9600.00} PLAZA SERVIC XXXX | Balance : {$3600.00} PLAZA SERVIC XXXX | Balance : {$3700.00} Dear Plaza Services, I am writing to formally request validation of the alleged debt associated with my account, identified by the account numbers PLAZA SERVIC XXXX, PLAZA SERVIC XXXX, PLAZA SERVIC XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. 

I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. 

Please provide the following information within the next 30 days : - The amount of the debt claimed. 
- The name of the original creditor. 
- A copy of the agreement, contract, or other instrument that created the debt. 
- Verification that you are licensed to collect debts in [ Your State ]. 

If any of the abovementioned information is not available, please provide an explanation as to why. 

Additionally, I request that all collection activities be ceased until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. 

Failure to comply with this request may result in legal action. Your cooperation in providing the necessary documentation is appreciated and will help resolve this matter promptly. 

Please send all correspondence regarding this matter to the address listed above. If you are unable to provide the requested information, kindly inform me in writing. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Company says they can not serve me now because I filed a complaint with your office and until the discrimination complaint is resolved they will not be able to serve me. I feel this is retaliation for filing a complaint. I should not be denied services at the branch because I am XXXX and made a complaint to your agency. I recorded XXXX XXXX at 5th 3rd bank branch in XXXX telling me due to the complaint he could not serve me. This is wrong. The bank also now refuses to provide me a copy of my mortgage note. My copy burned with my house. I will keep the recording of XXXX as it contains medical info that I do not want public. If needed I can provide in camera.
Consumer complaint received 2024-01-30
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 to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The Law Offices of Kenosian & Miele, LLP (CA)

Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Cred Mgmt Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX 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 Cred Mgmt Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC 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/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-16
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. (NY)

Sent Transunion multiple letters on XX/XX/2021 to verify debt on accounts. Its been over 30 days with no response from Transunion per FCRA they have to remove negative reporting accounts from credit file as its been over 30 days since letters have been sent
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 {$400.00} was transferred to an unknown account. I did not authorize the transfer and I do not know where it went. I filled a claim with Bank of America on XX/XX/2021, on XX/XX/2021 my claim was denied for an unknown reason. I am now trying to reopen my claim with no success.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
Original creditor is denying any misreporting to CRAs. 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (FL)

I was treated with XXXX during XXXX and XXXX and couple of payments were delayed for 2 months while I was on bed / on treatment. 

As on date, I had already paid / settled the outstanding amounts but still apprearing on my credit report which is impacting my credit. Please help.
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc. (CA)

The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$2.00}, XXXX XXXX XXXX  Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}
Consumer complaint received 2024-01-30
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 2021-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (CA)

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency Revco which is on XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NM)

I believe the following accounts are invalid. JPMORGAN CHASE BANK , N.A . needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged accounts were transferred in good faith and by the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the following accounts to be removed from my credit & their records. JPMCB - CARD SERVICE XXXX XXXX XXXX  XXXX and JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Mortgage was raised approx {$900.00} and {$400.00} has been unaccounted for for 12 months. When contacted bank they said it was for escrow account but after an investigation I found that I was being charged twice for insurance. Bank corrected mortgage due bit has not offered refund for {$4800.00}.
Consumer complaint received 2021-06-16
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. (NC)

All three of the credit bureaus only updated the file in XXXX XXXX on my credit reports which proves they were reporting incorrectly for years. None of the bureaus removed this fraudulent information from my credit report. 

This is my second attempt with the CFPB to get this removed and I cant count how many times I have asked each bureau to review this account and it continued to be incorrect. 

This complaint is a continuation of CFPB complaints submitted XX/XX/2021. 
XXXX XXXX XXXX I am under the impression that all three companies rushed through this process and reported back that the investigated and updated the accounts when they actually did nothing. 
Please assist me in getting this fraudulent account deleted.