davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

XX/XX/XXXX was first contact with XXXX whom is associated with Jefferson. Thought they were a scam and gave them a dummy account to get them off my phone. 

Starting XX/XX/XXXX started receiving random calls from different numbers and text messages. The same day I noticed Jefferson reporting debt on my report. Contacted Jefferson and asked them to send written communication they own the debt and to remove themselves from my report as I don't have an agreement with them.

Under code 15 USC 1681B- permissible purpose, it is illegal to report a debt on my report without my permission.
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

After being denied a modification, out of the blue onXX/XX/XXXX, I got a message stating I picked a post pandemic solution and it could take up to 30 days to process. Various messages said that the solution requested was a modification and that I could check its status. Also messages indicated someone would contact me within 2-3 days of XX/XX/XXXX + XXXX XXXXNO CONTACT! Its been 2 months and my request is still being processed???? I never picked a post pandemic solution-do n't know if they picked it for me or they are just jerking me around.
Consumer complaint received 2022-10-14
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. (KS)

XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I am a victim of identity theft. On Wed XX/XX/XXXX I was notified via email by my XXXX XXXX XXXX alert that there was an account past due payment. Upon further inquiry into the report, it was revealed that a credit card was fraudulently taken out in my name and charges were made without my knowledge. I did not make the charges. Below is the following information in the notification : It looks like a lender has marked one of your accounts as delinquent. This happens when an account is more than 30 days past due. 

Keep in mind, we monitor all accounts on your credit report, not just the ones you have with XXXX. 

INFORMATION FOUND Lender : COMENITYCAPITALXXXX Current balance : {$1100.00} Status : Past due 30 days On the same day, XX/XX/XXXX, I then contacted XXXX credit to notify them of fraud. A notice was added to my account and cross reported to the other credit bureaus, I was informed to file a report with FTC.gov I contacted COMENITYCAPITAL/XXXX XXXX  and notified them that there was a fraudulent card and charges in my name. I was advised to call the fraud department at ( XXXX ) XXXX. I called the number advised and was on hold for more than two hours with no response from an agent. I made numerous attempts to reach an agent in the fraud department with no avail. 

I am seeking resolution of this issue so that I will not be held responsible for these fraudulent activities to my account due to identity theft. I ask that the delinquent and fraudulent charges are blocked to correct my credit report. I did not take out this line or credit and am not responsible for any of the reported charges to this credit account. 

I reported the theft of my identity to XXXX credit bureau. I plan to follow up with the appropriate authorities with hopes that this matter is resolved as soon as possible.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation (CA)

We have contacted Blackwell Recovery and advised them to stop contacting us. We have sent multiple letters advising them to provide verification that they are authorized to act on behalf of XXXX XXXX XXXX XXXX 
They continue to reach out to us without the requested information provided. 
We have requested that they cease and desist all collection efforts, reporting a soliciting from their services. This is absolutely ridiculous for them to be still reaching out to us. This is extremely frustrating and stressful. The calls and the letters must stop.
Consumer complaint received 2023-02-06
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them in my file immediately : 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX credit services was a account charged off put in collections and resolved. Transunion has refused to the original XXXX account and also the charge off that has been resolved and instead are leaving both as as derogatory and further hurting credit. Account was closed XXXX XXXX and they keep updating derogatory mark to further hurt credit ( Updated XXXXXXXX XXXX ). Last update was XXXX. The files show Trans union reporting both accounts as derogatory to further hurt consumer and prevent scores from improving.
Consumer complaint received 2022-10-14
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 2023-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (CA)

At the end of XX/XX/, I received from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX, a letter/statement naming me as a debtor and requesting to pay the balance in the sum of {$7000.00} The letter/statement shows the following information : Current Creditor : XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. 
Account Number Ending on XXXX Case Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case number XXXX On XX/XX/, I responded with a letter disputing the validity of the debt. I also provided the Police Report with the number XXXX. 

Recently I received from XXXX XXXX XXXX a letter denying my dispute of the debts alleging that I am the person that requested the debt. They are now requesting the sum of {$9300.00} On XX/XX/, I responded with a letter affirming and disputing the validity of the debt. I also provided the Police Report number XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

With Experian - XXXX. Name spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is one ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had one account with them. It was paid through debt consolidation. 
XXXX. There are 2 reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under one name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and 2 state as current. The only one correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.
Consumer complaint received 2022-11-08
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

THE IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT IRS Publication XXXX Cat. No. XXXX Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) For use in preparing 2022 Returns. Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. Or that 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

A check written on a Citizen Bank checking account for {$200.00} was stolen washed and cashed for {$6300.00}. I reported it to the bank as soon as I got my statement on XX/XX/22. I also reported it to the Police and the Postal Inspectors. The bank sent me a XXXX XXXX which I filled out and returned on XX/XX/22, the same day I received it. Citizens Bank claim number XXXX. They sent me a letter dated XX/XX/22 that they have reached out to the originating bank ( I was told it is a XXXX XXXX ). On XX/XX/22 I contacted Citizen Bank and was told that they had not received a response from XXXX XXXX and that there was no deadline for them to do so. This is a huge amount of money for me as I am a XXXX XXXX citizen.
Consumer complaint received 2021-04-20
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. (OH)

I have spent two days trying to correspond with Trans Union regarding my credit report. I have used their inoperable website several times and called twice and left on hold for 30 minutes on each time. Information on my report is inaccurate for several different reasons ; They are as follows ; XX/XX/XXXX TransUnion Consumer Relations XXXX. XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX XXXX : File Number : XXXX / Dispute & Clarification Information To Whom It May Concern, TransUnion Consumer Relations ; Please find the following disputes and clarifications to my credit report as of XX/XX/XXXX. 
Addressess on Report ; 1. Name reported on the account is wrong. Correct name on account should be XXXX XXXX XXXX. 
2. Mailing and residence addresses ; I have never had a or had possession of ; XXXX XXXX XXXX, XXXX, OH XXXX mailing address. 
XXXX XXXX XXXX, XXXX, OH XXXX is incorrect and was a rental property. Never received any mail at that address. 
Phone Numbers on Report ; 1. All phone numbers listed are incorrect or old accounts that have been changed since inception.

Incorrect Adverse Account Information ; 1. XXXX XXXX XXXX XXXX  # XXXX Automobile Loan PAID IN FULL, >Maximum Delinquency of 60 days in XX/XX/XXXX for {$260.00} 2. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Paid by insurance, never received billing for minimal {$93.00}. Mis-reported/double billing, 3. XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
4. XXXX DEPARTMENT STORE # XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX .Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 
5. XXXX XXXX XXXX XXXX # XXXX 'Date Opened : XX/XX/XXXX ; Divorce/Filing XXXX XXXX Card Used without approval, card not in my possession. 

The above reports are in error for the obvious reasons, Please review, adjust, delete or amend accounts from my report. Thank You for your time in this matter. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/21 four, unauthorized wire transfers were sent from my account by someone each for {$1000.00} totaling {$4000.00}. Changes were made to my account settings. None of this activity was flagged nor was I notified by Chase even though I have never used a wire transfer. The money was removed and chase only shut down access after a fifth transfer was attempted for {$500.00}.

I have contacted the bank four times and they have not refunded my account. They have not contacted me at all with any status.

The total amount owed me is {$4100.00}.

Chase was not able to identify or protect my account from this blatant fraud. Chase allowed my contact I formation to be changed without notifying me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXXXXXX XXXX XXXX  was a account charged off put in collections and resolved. Transunion has refused to the original XXXX account and also the charge off that has been resolved and instead are leaving both as as derogatory and further hurting credit. Account was closed XXXX XXXX and they keep updating derogatory mark to further hurt credit ( Updated XXXX XXXX ). Last update was XXXX. The files show Trans union reporting both accounts as derogatory to further hurt consumer and prevent scores from improving.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-14
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 seven endeavor to tell EXPERIAN AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  SV XXXX XXXX : {$0.00} XXXX XXXX SELF-REPORTED XXXX Balance : {$200.00} ; XXXX SELFREPORTED XXXX Balance : {$390.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CB XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

I set up phone authorizations for XXXX per month for several months but paid the balance in full within a few weeks. Every month Synchrony bank continues to take XXXX from my checking account. This has continued despite repeated calls to the company, and even after closing the account in XXXX, they just took another XXXX from my account. Every month they have done this I have a XXXX  balance so they are taking money they are not entitled to and causing me financial hardship because I didn't budget for their unauthorized taking from my account. I was told at one point after a 2 hour call that it was my fault, they couldn't fix it, and they couldn't close my account. After I disputed it the first time, my credit line was cut from {$1500.00} to {$300.00} as you will see in the attachment.