davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I have tried to obtain a true copy original showing that a debt originally owed to XXXX XXXX XXXX was legitimately sold. That has not taken place even though I did request full documentation at least six times. However, in spite of that non-result, I am open to a settlement offer that can be mailed or emailed to me, and I will follow up with a call to negotiate the matter and settle it once and for all. My contact number will is attached to this complaint. I have never been mailed a reasonable settlement offer.
Consumer complaint received 2021-12-16
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. (CA)

Around XXXX XXXX, XXXX, a series of weird ( and old - dated back to XXXX ) data suddenly showed up on my TransUnion credit file. It includes a phone number I don't have, a collections account and inquiries I do not recognize. I suspect that TransUnion erroneously merged my credit file with someone else 's.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I had a mortgage that has been sold to new financial institutions throughout the XXXX years Ive been paying it but the last time it was changed, it became problematic. There are service and late fees that no other institutions charged. I tried calling the company, XXXX, to address the issue and they told me that those are their fees and there was nothing wrong with them charging fees. I called up the CFPB and they said I should try calling the loan provider and if they wouldnt help to make a complaint.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently started looking at my credit scores because Im trying to get a car for my family since Im waiting for a kid and I just noticed that the account : XXXX # XXXX on my credit report did report me as late payments during a hardship I had when I went homeless during XXXX. I talked to them and came to an agreement and they said they would not report my payments as late if I paid the account which I did pay it in full and they just lied to me and violated my rights and I know I have the right to dispute any account that is not accurate and affects me in my personal life according to the law. Besides, it has errors in the reporting of those late payments since theyre not consistent they say XXXX twice and on XXXX months has no reporting. So it is inaccurate.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and Portfolio recovery systems have purchased my accounts from other creditors and do not have proof that I owe anything to them.
Consumer complaint received 2023-01-23
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (UT)

Overdraft fees I can't access statements previous to XXXX From XXXX there were about XXXX $ in overdraft fees. I communicated to the bank that I was struggling and paid to get my account current each time. I was not once compensated for the fees and would like to be compensated please.
Consumer complaint received 2023-01-23
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. Here are the items that need to be removed : XXXX XXXX XXXXXXXX Balance : {$28000.00} CXXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2019-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On Friday, XX/XX/XXXX we came across a XXXX listing to get tickets for the XXXX XXXX game on Sunday, XX/XX/XXXX seller claimed to have section 104 row 2 for the game selling them for {$200.00} each. He responded via text message on phone number XXXX. He requested that we send the money via XXXX to the following email address XXXX or XXXX. He said that is his email address for XXXX and XXXX and sent a screenshot of his ticketmaster account without the bar code but never sent the tickets and stopped communicating via text or calls. I transferred {$500.00} from XXXX from my Bank of America bank account. I called the bank an hour after I didn't get the tickets but they were closed and called yesterday and was told to call today and speak with the fraud department. They will not refund me for this transaction. Please help me.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I first reported the fraudulent activity to CapitalOne XXXX XX/XX/2019. Two fraudulent transactions took place XXXX XX/XX/2019 ( {$2500.00} ) posted to my account XXXX XX/XX/2019, and XXXX XX/XX/2019 ( {$2400.00} ) posted to my account XXXX XX/XX/2019 for a total of {$4900.00} ( excluding finance and other charges ). Upon noticing the fraudulent charges I immediately froze my account with CapitalOne, and have since closed the account and filed a police report with the City of XXXX Police Department. I have also registered for fraud alerts with both XXXX and XXXX, and have at my own expense, signed up for a credit monitoring/fraud alert service. To date, from XXXX XXXX, after several phone calls and several documents provided, CapitalOne has not corrected the fraudulent transactions and the finance and other charges related to the fraudulent amount.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (GA)

I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act 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 a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on XXXX  and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on my credit report
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Dear CFBP & XXXX, It has been over 90 days since I made my initial dispute against the fraudulent Late Payment notations on a few accounts on my XXXX credit report that are incomplete and inaccurate which are a violation 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & ( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 
Accounts list XXXX. XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX ( Fraudulent inaccurate unverified late payments ), delete late payments or entire account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX. JPMCB AUTO Account # XXXX ( Fraudulent inaccurate unverified late payments ), delete these fraudulent late payments from account or delete account expeditiously because it directly violates 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Furthermore, I want to formally report that my identity was compromised because of the well-documented XXXX data breach. Attached are my credit report and the necessary documentation from XXXX confirming the theft of my personal information and their subsequent action to remove all fraudulent and inaccurate accounts from my credit report. I respectfully request that similar measures be taken by XXXX and XXXX to ensure the accuracy and integrity of my credit information. This request is in alignment with the Fair Credit Reporting Act ( FCRA ), particularly Section 609 ( e ), which mandates that credit reporting agencies must take swift action to rectify inaccurate or fraudulent information resulting from identity theft. Furthermore, the precedent set in the case of [ relevant case law ], supports the immediate rectification of such errors to uphold consumer rights under federal law. '' Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (CA)

I recently started looking at my credit scores because Im trying to get a car for my family since Im waiting for a kid and I just noticed that the account : XXXX # XXXX on my credit report did report me as late payments during a hardship I had when I went homeless during COVID-19. I talked to them and came to an agreement and they said they would not report my payments as late if I paid the account which I did pay it in full and they just lied to me and violated my rights and I know I have the right to dispute any account that is not accurate and affects me in my personal life according to the law. Besides, it has errors in the reporting of those late payments since theyre not consistent they say 90 twice and on two months has no reporting. So it is inaccurate.
Consumer complaint received 2023-03-01
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-12-16
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. (NC)

XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00}
Consumer complaint received 2023-01-14
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 




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 2022-10-03
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. (FL)

I have tried in many occasions and in different forms to contact the credit bureaus Transunion, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I have inquired multiple times about no overdraft fees that they advertise. I have spoken to them XXXX times in the past and this XXXX time they told me about a different checking account. Why wasn't this discussed before, why are they just now telling me. My XXXX contact was XXXX I should be credited all overdraft from this date since no other suggestions were made but to pay the fees
Consumer complaint received 2023-01-16
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. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of this item which are UNKNOWN to me : XXXX XXXX Balance : {$5600.00}
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (WA)

My social security is paid via Direct Express debit card. XX/XX/2023 I paid to bills one for XXXX, and XXXX. On the XXXX  I noticed two transaction that I didn't make I called to dispute them my debit card was closed and a new one came in the mail. My bill for XXXX was not paid because the card was closed down but the other bill went through. The two transaction for XXXX hasn't been refunded they keep jerking me around and are very rude and hang up on me. I am the victim and direct express continues to victimize me. I live off of social security money and this is a hardship. I have a claim number, XXXX, it for one disputed transaction I have tried to have them add the two other disputed added to that claim they just don't want to refund my money. This is stealing. I am so tired of them hanging up on me. Is this how government workers do business? XXXX  they are out of control. This is my money not theirs. I will file a complaint with social security as well because direct express is good for nothing, I will stop my money going to these government thieves. Thank you.