davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I don't recall having a contractual relationship with this collection company MIDLAND CREDIT MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

On XX/XX/2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2023-12-28
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. (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 NumberXXXX has violated my rights. Or a 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 2023-12-28
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (NV)

There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX court sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX Comenity Capital Bank Accrued Interest - {$920.00} Had 18 mos promotional plan -exp, XX/XX/23 My last payment due is {$1200.00} ( payoff ) Monthly due payment paid on time paying more than the required minimum payment. However, last XXXX I missed the payment and told the bank the reason why I was late. It as due to my XXXX pain and a fall injury that I was not able to check my mailbox which was located across my house. I told them that I would payoff the loan and late fee which was {$1200.00} plus {$30.00} late fee but beg them to kindly waive the accrued interest of XXXX, I believe that I should not be enalized for that, since I was consistently pay payment on time but unfortunately I missed the LAST payment. I am retired, and living on pensions and I always maintain my credit in good standing. I feel that it was very unfair for me the late fee. I also wrote Comenity Bank  about this complain. Please help me resolve this problem.
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-12-28
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. (DE)

Fraudulent information reporting to my credit report. FTC submitted requesting validation verification, & removal to the companies following investigation. Accounts were not validated nor verified. According to the FDCPA & FCRA everything reporting to my credit file must be 100 percent accurate across all reports. Inquires connected to the accounts were removed however not accounts.
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

I wanted to pay a pending invoice to my outsourcing vendor in XXXX from my business account at XXXX and given that XXXX outbound money transfer was expensive, I opted to use wise.com for international money transfer and paying the vendor. It was 75 % cheaper. 

I signed up on wise.com on XX/XX/2023, filling in my business details, shareholding, XXXX number, Business Name, DBA, Address, Shareholders name and addresses, DOB, and all personal information they needed in order to process the account. 

Next step was to take picture of my ID and myself live on camera and I did that too. After that step I was asked to connect via XXXX to my business account and I finished that process and then initiated a transfer on XXXX XXXX itself. 

I got a transfer confirmation email with subject " Your transfer # XXXX '' on XX/XX/XXXX itself. I sent a XXXX message to my vendor immediately as under " Just paid XXXX invoice. XXXX XXXX to your ac is showing XX/XX/XXXX Amount is XXXX USD '' I got a message from My vendor last week that they did not get the funds in account and wanted me to follow up. 

I tried to login to wise.com but it showed that my account was deactivated. I got no email, no notice, no documentation request, nothing from Wise on this action. I logged into my chase account and didn't see money withdrawn from my business account. 

I followed up via email to get a written response but have not been provided XXXX with exact reason for deactivating my account. This is a new business, they verified it, then they got my personal Identifiable information and connected to my bank and then they deactivated account without notice or giving any specific reason. 

I need full disclosure please on this. Even if my account gets reactivated, I will need to know why it was deactivated. If others are treated and get their account opened, I feel I am discriminated against without giving any reason.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I am writing the CFPB again regarding Shell Point Mortgage and their constant practice of falsely claiming that there is insufficient Flood insurance on my property and then placing their Lenders placed insurance on my account. When Shellpoint is contacted about these practices, Shellpoint continues to claim this is an error, but this is a pattern spanning several years. This is fraud! and the CFPB needs to put a stop to this. 
i have been vigilant in monitoring these practices by Shellpoint and its not an error its deliberate, its harrassment and its descrimination! and an attempt to defraud! customers.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (PA)

I am officially submitting a complaint with the CFPB against the CBE Group for multiple violations of the FDCPA. On XX/XX/2020 at XXXX XXXX  EST I was contacted by the CBE group. I had given notice that I was at work and they were prohibited from calling me at that time and only to contact me after XXXX Eastern Standard Time. At this point i was then contacted on XX/XX/2020 at XXXX Eastern Standard Time and also on XX/XX/2020 at XXXX Eastern Standard Time. There are two violations of the FDCPA the first on XX/XX/2020 and the second on XX/XX/2020. I am willing to not file suit for multiple violations of the FDCPA if the CBE Group agrees to cease and desist all collection activities for this alleged debt as well as the agreement to not sell or hand off the alleged debt to any further debt collection company.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX a fraud/scam occurred with my checking account. I was told I needed to enter a verification code over XXXX to cancel a payment someone was trying to make. Upon entering the codes and amounts it sent {$3500.00} to the suspect. 

Bank Of America refuses to take any action on the claim stating I approved the action. I have completed a Police Report for Fraud and feel this incident should fall under regulation E. I would dispute regulation E covers frauds and also I didnt initiate the transaction. The suspect initiated the transaction when he contacted me. The payment sent was in error and I would dispute any reasonable person wouldnt send an unknown person {$3500.00} without receiving a benefit/service. Fraud is when someone tricks someone to gain financial gain and this is exactly what happened. 

I have made a previous complaint against Bank Of America and also disputed my claim outcome with them and received no answers as to exactly why this claim is denied or receive a refund. Bank Of America offers XXXX and yet they offer no protection when they say transfers are safe and leave customers such as myself out thousands of Dollars because criminals use their services.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Charge offs are being reported onto my consumer report. Charge offs are a certificate of indebtedness which is income and is violation. 

The Privacy Act of 1974. 
My privacy has been violated a multitude of times because no authorization was ever given.
Consumer complaint received 2023-05-26
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. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number XXXX XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.gXXXX XXXX XXXX XXXX XXXX, which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX' XXXX : Highest reported balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.Sincerely,
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am writing to dispute the actions taken by USAA regarding my accounts, which have resulted in significant financial and personal distress. I was a loyal and responsible customer of USAA for ~20 years, and I have always managed my accounts diligently.

Upon discovering unauthorized transactions on my USAA credit cards. I immediately reported these fraudulent charges to USAA, and after an investigation, final credits were issued in my favor due to the fraud. However, to my surprise, over a year later, USAA reversed these credits without warning, charging me back for the fraudulent charges. 
Following this, USAA took drastic actions against me, including restricting my online access, closing all my accounts ( except my auto loan, which was initially not accepted for payments ), and refusing to send me billing statements. Furthermore, USAA reported all my accounts negatively to the credit bureaus, despite the fact that these issues were caused by identity theft and not by my actions or negligence. This is supported by the FTC affidavit, police reports filed, as well as the culprit being prosecuted for the fraud. 

Despite claiming the information being reported is accurate, USAA has now sent me checks for the disputed amounts for my credit cards and auto loan. However, I am deeply concerned that USAA has refused to correct the negative reporting to the credit bureaus. This inaccurate reporting is damaging my creditworthiness and reputation, despite my innocence in these matters.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the the erroneous accounts and inquiries several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.