davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Acct # XXXX. Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Also States a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
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: Aldous & Associates, PLLC (FL)

To whom it may concern, your company acting as a debt collector such as ALDOUS AND ASSOCIATES, PLLC reporting negative information to my credit file without my lawful consent. However, your company has violated the Fair Debt Collection Practices Act ( FDCPA ) according to 15 U.S.Code 1692e ( 1 ) the false representation or implication that the debt collector is vouched for, bonded by, or affilited with the United States or any state, including the use of any badge, uniform, or facsimile thereof. The false representation of the character, amount, or legal status of any debt. Therefore, I DEMAND your company to cease and desist all communications with any affiliated third party without my consent of nonpublic information. Best Regards, Thank You
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (WI)

I have disputed this debt with the original company, the collection agency and credit bureaus. I submitted a stop service at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 to be backdated to XX/XX/2017, when I moved from this address. My final bill was for {$110.00} on XX/XX/2017. 
I have reached out to LJ Ross to ask for proof of debt, as they are reporting to the credit agency {$310.00}. At the time, I could not remember if I had submitted a stop service, but once I did find the verification, I submitted to the collection agency of the proof that I did not live at that address after XX/XX/2017. 
They have not provided the proof of debt after phone calls and written letters. They continue to submit negative remarks to the credit bureau.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi & How are you doing? Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. Late on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX??? 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2023-02-13
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. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-03-17
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)

XXXX and TransUnion reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

XXXX and TransUnion FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

XXXX and TransUnion FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

XXXX and TransUnion have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

CITI Mobile App advertised a balance transfer offer.

Within the Citi Mobile app I accepted the offer and did a balance transfer to pay off my XXXX XXXX credit card of {$3000.00}. 

Citi bank approved the transaction on XX/XX/2023. Citi bank added the balance transfer of {$3000.00} to my Citi credit card, but my XXXX XXXX credit card still shows i owe them {$3000.00}. My balance with XXXX XXXX should be {$0.00}. 

I called Citi bank over 6 times to tell them XXXX XXXX never received the money. They have failed to help me out. Nothing on my statements show that XXXX XXXX was paid. 

This had been a frustrating process with Citi Bank and I no longer want to be a customer. I want this balance transaction reverted, since they have failed to pay XXXX XXXX. In addition, I can cancel Citi bank completely and no longer be a customer. They have been unprofessional in resolving this issue.
Consumer complaint received 2021-01-12
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hello my name is XXXX XXXX, I am an XXXX XXXX XXXX. PayPal has held my funds illegally without me having done anything to the company. I just woke up and found the have locked my entire savings. I want my money released as I have Bills to pay. My PayPal email is registered as XXXX.
Consumer complaint received 2021-01-12
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: EQUIFAX, INC. (GA)

I HAVE ATTEMPTED TO CONTACT THE THREE CREDIT COMPANIES AND THEY HAVE NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they failed to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2023-05-13
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. (VA)

In accordance with 15usc1681 the credit reporting company failed to abide by 15usc1681 and therefore I want these inquiries and accounts deleted.
Consumer complaint received 2023-03-06
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: SANTANDER HOLDINGS USA, INC. (PA)

I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with Santander bank theres no Santander bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call Santander and they instructed me to this website to get this removed off of my credit I have also sent Santander my police report that I filed with my local police department
Consumer complaint received 2021-01-12
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. (NJ)

To whom it may concern was looking at my credit report and recently noticed something that is in there that is 100 % inaccurate and not mine. XXXX XXXX is saying something abuot some collections from XXXX XXXX XXXX XXXX which i have no knowledge of and was never authorized by me. No one has ever contacted me and i never owed XXXX XXXX XXXX XXXX  any money any time i dealt with them in my life. To the best of my knowledge this is fraud because i never signed anything with XXXX  XXXX XXXX for XXXX dollars. I did not authorize this. I tried to call them and got no straight answers. The collections company said you and XXXX XXXX XXXX XXXX couldn't give a direct answer they weren't sure. I asked them to remove from my credit file and they said they couldn't. Thats why I am coming here since you guys are fair and I am within my rights to fight against inaccurate information due to the fair credit reporting act.
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX.This Debt was paid on XX/XX/XXXX. After payment was made collector reported the paid debt as unpaid. On XX/XX/XXXX collector stated that they would remove derogatory marks if any.
Consumer complaint received 2023-05-17
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: Nelnet, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX Account Name : US DEPT. OF EDUCATIONXXXX Account Number : XXXX Balance : {$16000.00} RE : Requesting a Method of Verification Letter To whom it may concern : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

This debt has been transferred several times to the best of my knowledge. The accuracy concerns me due to no reflection of payments made by a third party on my behalf. I was enrolled into a loan forgiveness program that temporally had access to my federal student loan account and made several payments that I initiated. Subsequently, none of those payments are displayed in the payment history for this account. This is deemed fraudulent and unverifiable. This creditor has also failed to list the original creditor on my personal credit report. This is viewed as harassment due to their inability to report accurate information. Under this premise, I strongly demand deletion of this fraudulent account. 

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

This letter is not written in order to request an investigation, that has already occurred, yet didn't solve this fraud issue. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Consumer complaint received 2020-03-10
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-16
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: CITIBANK, N.A. (IN)

I sent the complaint before with my other email address and the Citi bank doesnt recognize it, So I sent complaint with my email. 

On XX/XX/2022 I had a spirit flight, who ever at the airport doesnt allow me to check in before XXXX minutes. So I had to buy another flight ticket on XX/XX/2022. After I go home I ask Citi credit card dispute the amount of {$160.00}, and then bank ask me upload the documents before XX/XX/2022 for this case. I didnt receive any email or mailing says that I need provide document, so I missed that part. And now Citi tells telling to find merchandise spirit which they arent willing to refund me back for my {$160.00}. I just feel not right, I dont even got my flight, I have to buy another ticket.
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (MI)

I have been in contact with XXXX XXXX XXXX since XXXX of 2020. A XXXX bank credit card opened in my name and charged off to XXXX XXXX XXXX. I have cooperated with them but am now being sued for a debt that is a result of identity theft. I have filled out all of the fraud affidavits that were sent to me from them. I was told by representatives of this company that they could see a name, address, email, and bank account attached to this account that was not mine. I now realize after being taken to court for a pre trial hearing that this company does not take your concerns seriously and have now filed identity theft with FTC and am waiting for an XXXX to meet with me this week to file a police report. I feel as though I am being harassed to pay money that I do not owe. I do not think XXXX XXXX XXXX handle victims concerns appropriately.
Consumer complaint received 2020-03-10
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and XXXX XXXX  partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent a debt validation letter in XX/XX/2023 I'm going to attach the first page and then they sent me a bill I attached the first page of the letter I sent it certified mail
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group (NJ)

This company, Global Recovery Group or GRG, has called BOTH my sisters in New York and Oregon looking for me and telling them they are serving papers to me for a debt I owe and that they have a pending lawsuit against me. They are even calling my sister at her job, even though she has REPEATEDLY asked them to stop. I do not know who these people are and I am horrified that they are harassing my family. Please make them stop. This is very upsetting and could cost my sister her job. I have received nothing in writing from these people and do not know what they want. If this was a legitimate debt, why arent they sending me a letter validating the debt?
Consumer complaint received 2023-01-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC (TX)

We are a law firm in Texas. Royal United Mortgage claims one of the attorneys made an online inquiry with Royal United Mortgages. The attorney stated he does not recall making an inquiry with Royal United Mortgage online and is not interested in their service. The attorney asked that I relay that information to the caller from Royal United Mortgage. After being informed that the attorney is not interested and did not make the online inquiry, Royal United Mortgage continues to make harassing phone calls to our office.