davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NC)

On XX/XX/XXXX I used the tool XXXX to view and print my credit report, at which point I noticed that the company Jefferson Capital Systems was reporting that I am indebted to them {$16000.00}. I have NEVER entered into any type of contract with Jefferson Capital Systems. On or around XX/XX/XXXX, I mailed Jefferson Capital Systems a certified letter requesting validation that I am contractually obligated to pay them. Said letter was to include : the name and address of the alleged creditor, name on file of the alleged debtor, alleged account #, amount of alleged debt, date that this alleged debt became payable and date of original charge-off or delinquency. Also, I asked whether the debt was assigned to a debt collector or purchased? As well as, the amount paid if it was purchased? Lastly, the agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

On or around the end of XX/XX/XXXX, I received correspondence from Jefferson Capital Systems which included the following information : An account #, current creditor listing of Jefferson Capital Systems, JCS reference # which is the number listed on my credit report, the amount of debt listed as {$16000.00}. But, most surprisingly was the box listed debt description with the name " XXXX XXXX '', which is also the name listed as the original creditor on my credit report. 

I have NEVER entered into any type of agreement with XXXX XXXX. More importantly after several XXXX searches I have come to realize " XXXX  XXXX '' as a company, DOES NOT EXIST. 

Since Jefferson Capital Systems was obviously refusing to delete the blatant error of reporting that I owe them any amount of money, I sent certified letters to the three credit bureaus : XXXX, XXXX  and XXXX  requesting that if they could not verify the legitimacy of the information they were reporting on my credit report, they needed to delete it. 

I have been monitoring my report for changes ; To date XXXX  has deleted the reporting while XXXX  is reporting that they have verified the information and it meets FCRA requirements. And, XXXX  simply states the consumer disputes the reporting. Both agencies have also updated the original creditor to XXXX XXXX XXXX. 

The basis by which the reporting was probably deleted from XXXX  is because XXXX XXXX XXXX reported on or around XX/XX/XXXX that the account had been paid and closed with 100 % of the payments for that account being on time. With 0 % being left to pay on the loan. 

I am hereby demanding that Jefferson Capital Systems as well as both XXXX  and XXXX  delete the inaccurate information that they are reporting on my credit report. According to FCRA regulations which state : If inaccurate information is discovered in a consumers file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has responsibility to remove it.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2021, I placed an Order for Two wire transfers, in the amount of {$14000.00}, each, at Wells Fargo Bank Branch # XXXX, in XXXX, Washington and the phone number for them is XXXX I was told that the funds will be available, in Three days. 
I called and left a message for XXXX XXXX XXXX and XXXX called me back, and she ultimately couldn't find my funds and where the funds went. 

From there, XXXX exculated the matter and an Executive XXXX XXXX is working on what he does and told him that Wells Fargo has damaged me, and I need to be compensated for the loss of taking care of my private affairs.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I want info on recasting my mortgage. 

Loancare is the absolute worst. 

They have no human beings to handle inquiries. Only an automated system without this option. Utlitmately it keeps hanging up on me. 

I did not choose to be a customer of this lousy company. My mortgage got sold to them.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

On XXXX I requested my updated address be the only address on file because I don't want my personal information being sent to addresses I do not live in and showed numerous items of identification my address and it went ignored so I refiled again on XXXX after equifax said they couldn't change it and showed more documentation and still nothing changed. I don't want personal mail or information being sent to homes that i don't live in.. identify theft is a serious issue.
Consumer complaint received 2021-06-24
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. (GA)

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX  Original creditor : 11 XXXX XXXX  These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2021-04-18
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: Complete Credit Solutions, Inc. (CA)

Complete Credit Solutions has violated several FCRA laws on XX/XX/21 by reinserting a previously blocked 605B fraudulent account. The account was blocked and removed from my account by the CRA. Complete Credit Solutions violated FCRA by reinserting a known blocked fraudulent account back on my report as a " New Account '' to circumvent credit reporting agency guidelines in place to prevent reinsertion. In addition, Complete Credit has violated other VERY SRIOUS FCRA Laws. Creditor is not allowed to reinsert a blocked account and I have written proof that you have violated the law on XX/XX/21. This is highly illegal and must be deleted immediately. You have five days to delete.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rickart Collection Systems, Inc. (PA)

I had arrived home at approximately XXXX on XX/XX/XXXX and grabbed the mail. There was notification from Rickart Collection Systems , Inc. stating that they were a debt collector from my account with XXXX and must notify them within 30 days of receipt of this notification if I dispute this debt. I called up my representative XXXX that night at approximately XXXX. I inquired about the debt and she stated that this was a debt that was from XX/XX/XXXX to XX/XX/XXXX in the amount of {$1100.00} for services from XXXX at XXXX XXXX XXXX XXXX. I have not resided in that home since XXXX. I had filed Bankruptcy and was discharged of all debt in XX/XX/XXXX from this residency. XXXX XXXX XXXX is a duplex that I purchased and is under one parcel. I find it funny that now at the end of the 7 years this resurfaces and that XXXX is again trying to collect on old past debt, debt that was included in the bankruptcy and now appears that they have created a story to get me attention to make contact with them to discuss and collect on past debts. I stated that someone has taken my identity and put service in my name but for only a 3 month period? XXXX advised me not to call the police to make a report until after I call XXXX. She stated to put the dispute in writing. I hung up with her and then called XXXX and spoke to a representative. He had stated that the bill is from past accounts in addition to this new account that was created on XX/XX/XXXX through to XX/XX/XXXX which was put in my name. Again I have not lived at this address for many many years. He stated that there is old account balances and when someone comes up for service with the name it attaches that debt to the new account in hopes of collection or termination of services when payment is not made, which has happened in this case. The only problem is, is that its not me, I do not even have XXXX as my electric provider close to 7 years now. Also, they sold off any past debt to collection agencies so why are multiple people trying to collect the same monies? This is very wrong and I feel that they are in hopes of trying to scare me into paying money not due or to falsely create a new collection inquiry on my credit report.
Consumer complaint received 2018-06-28
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: SYNCHRONY FINANCIAL (MA)

XXXX shows a hard inquirie on XX/XX/2017 on all three credit agencies. I have gone thru the the endless cycle calling back and forth to XXXX and the credit agencies. XXXX did send some paperwork requesting my of my information, in which I submitted the paperwork ands its been 8 months. I never applied for there airline credit card. So can please help to rectify this situation.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TX)

TBOM RETAIL or Genesis Credit/Jared is reporting this account TWICE on my XXXX credit report. The account appears twice, and is duplicated in reporting. Please remove the duplicated reporting on my XXXX report. 

I have tried to get this corrected with TBOM Retail, however they referred me to XXXX XXXX to have this resolved. 

I've attached how the account is reporting on my credit reporting ( showing duplicated on XXXX ) I have attached the communication with TBOB Retail / Bank of Missouri
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (NC)

Trading was disabled on my Binance.US account in XX/XX/2021 due to a {$200.00} chargeback, which has since been successfully reprocessed. 

I have submitted multiple tickets to Binance.US Support but all the tickets were auto-closed without any comment or resolution. I have tens of thousands of dollars - USD - in my Binance account that I have been unable to withdraw or use to trade for the past 60+ days.

I need help to retrieve MY money. I have an open ticket # XXXX for this issue.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

They have failed to provide me with how they are verifying that every single dispute I send to them is accurate. I have done numerous online and telephone disputes, just for them to say all disputes is Verified as Accurate. I have sent them certified mail disputes and they have never sent me back any findings answering my disputes. I have called twice recently on XX/XX/XXXX and three times on XX/XX/XXXX. They dropped my credit score after talking to them on both of those days. How can they do this? Nothing has changed on my credit report for them to drop my score. They will not investigate my disputes nor provide me with how they come to the terms that the information is accurate. It seems as they have something listed on my file for every representative at Experian to not help me. I am going to reach out to a lawyer today because this is wrong. I have 4 collections on my credit report that the creditors and Experian fail to validate and I want them deleted. Experian has not responded to any of my mail disputes since XXXX of XXXX.
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (NY)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2023-03-31
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. (KY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-31
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. (CA)

I am here to ask for an investigation of this account that is erroneously placed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe the account 's reporting has a huge error and could be detrimental if it is still unverified. I sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform.
Consumer complaint received 2023-03-31
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I was unable to get phone support with XXXX and Equifax and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from XXXX and I need to have this fix thank you
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Consumer complaint received 2023-03-31
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-20
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: U.S. BANCORP (TX)

From XX/XX/XXXX to XX/XX/XXXX, my U.S bank cash plus credit card was hacked and used to purchase things from " XXXX '' from XXXX which I never heard or known of for total of XXXX . I contact U.S bank on XX/XX/XXXX to report fraud, US bank representative helped report to fraud department and lock the card for me and send me the new one. U.S has put provisional credit for the amount I have been stole. However, on the next couple days, I checked back my account and I saw U.S bank has reversed all of the credit they gave me and now I have a balance of XXXX XXXX My account balance was XXXX before the incident. I called U.S fraud specialist name is XXXX and she told me that she does not think it is fraud and she told me to investigate on my end. This is very frustrating for me and depressed. I contacted the merchant by XXXX and email them. They even said " you may have stolen credit card information '' and they told me to contact the issuing bank. Here are the following charges on the account that are not authorized, these are not included the foreign fee they are included for each transaction : XX/XX/2021 - {$210.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$520.00} XX/XX/2021 - {$340.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$430.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$390.00} XX/XX/2021 - {$130.00} XX/XX/2021 - {$560.00} XX/XX/2021 - {$640.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$650.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$600.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$540.00} XX/XX/2021 - {$120.00} XX/XX/2021 - {$210.00} XX/XX/2021 - {$300.00}
Consumer complaint received 2021-04-19
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: DISCOVER BANK (AR)

On XX/XX/2021 I contacted Discover to report fraud on my credit card. They told me that the fraud department was going to investigate the charges and they would cancel my card ending in XXXX. They apparently did not investigate the charges or cancel my card and allowed charges of {$69.00} to go through for a charge they should not have allowed. The charge was for one of my automatic bill payees. However, I had already made arrangements to pay my directly to the service provider and now Discover is refusing to reverse the charge of {$69.00} from the unauthorized activity and holding me responsible..