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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (TX)

To FCRA XXXX XXXX XXXX XXXX, DE XXXX Sub : URGENT My home mortgage will be disqualified due to XXXX XXXX Barclays Credit Card Reporting 's misuse of late payment history. That was their Error on account number XXXX Dear Sir/Madam : I tried to close the account in XX/XX/2022. However, I Was encouraged to keep the card open to obtain millage Barclay 's customer service agent. I have requested a paper statement, but they set me up online only. 

I missed my first payment ; however, upon reviewing my account, I realized that I needed to make a payment which I did by calling customer service and in and paid {$100.00} also requested to set up AUTO pay. I never had any issue with auto pay with all my accounts except for Barclays. In XXXX, I got an alert through my credit monitoring that I missed payment on Barclays ; I called them immediately and asked them to investigate ; the agent agreed that I was requested to be set up auto-pay, but previous agents missed. They have given a refund on late fees. 
Today, I am trying to purchase a house and getting disqualified due to this Error by Barclay. I would request that Barclay fix my Credit report and make a change in policy to prevent others not to suffer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2018-11-07
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. (WA)

I sent three letters to XXXX  TransUnion, XXXX, to verify the information on my credit report but they never sent me any verification I need to know how are they Verifying this information?
Consumer complaint received 2020-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (IN)

Hello, I had XXXX performed to both my ear and my nose, by to different doctors, one in XXXX XXXX the next XXXX XXXX, I had supplied all of my insurance paperwork to XXXX  XXXX  of XXXX XXXX, Fl prior to any work being done to be sure my XXXX and XXXX covered everything because I have a very limited income from XXXX, they ensured me everything was covered. 
Then in XXXX XXXX they send me a bill for {$620.00}, this is after I made the final small payment of {$35.00} in their office at which time the told me I was paid in full. I asked them to tell me what it was for and which doctor it was from, they refused to do that, I offered them a payment plan if it really was a true charge, and they refused that, still to this day they refused to offer any information as to why this charge ( if mine ) happened, what it was for, which doctor it was for, etc. 
Then all of a sudden I start getting letters from this collection company, Capital Accounts, # XXXX I wrote to them but they refused to help me in any way and now they ruined what little credit I had and keep charging interest, besides the threatening phone calls all this for an account that was paid in full. 
I was told by the secretary in the doctor 's office who was a family friend that the girl in accounting was on maternity leave during this time frame and the replacement didn't know how to file claims with XXXX and that this problem happened to a lot of their patients. 
So now these false charges keep getting bigger and we have no way to pay the amount they are asking if these are real charges I could afford {$10.00} a month to pay for them, but there shouldn't be any charges in the first place!
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX XXXX. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( XXXX ) the home in my own name in XX/XX/XXXX. New servicer ( XXXX  ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX Supreme court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX PMI insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX Supreme Court against XXXX XXXX  XXXX XXXX XXXX the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on one of my credit reports.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-02-11
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NJ)

This complaint is in connection with the CFPB complaints filed against XXXX, XXXX, and XXXX on XX/XX/2020 Complaint numbers XXXX, XXXX, and XXXX for failure to provide proper documentation of a Wet Ink Signature contract with DISCOVER to validate the account reporting is accurate and confirmation there is a legal obligation to this company DISCOVER. I complaint was also filed against DISCOVER by the XXXX XXXX XXXX Complaint #  XXXX for lack of professionalism, lack of full disclosure, and failure to provide Wet Ink Signature signed contracts to the Credit Bureaus or myself per section 609 of the Fair Credit Reporting Act. 

This particular complaint is because DISCOVER has not only violated section 609 of the Fair Credit Reporting Act but is now violating section 623 of the Fair Credit Reporting Act and Section 807 for Failure to Communicate that the alleged debt is disputed. 

As of Today XX/XX/2020, DISCOVER continues to report erroneous subterfuge on my person 's commercial credit report while under dispute. This is not only violations of FCRA, FDCPA, but Title 18 USC Fraud as well. The blatant disregard for Federal Law that DISCOVER is willingly choosing to ignore to violate my rights is causing me harm through my person which I may have to pursue legal action against them for Lack of Full Disclosure, Perjury, and Fraud with Scienter. I am keeping these records of communications in case I have to sue DISCOVER for willful non-compliance of Federal Law and violations of rights which will not only include {$1000.00} USD per inaccurate invalidated account but also {$10000.00} USD for every violation of Title 18. Please see attached screenshots for proof that DISCOVER is still  reporting negatively without providing any contracts of proper documentation while under dispute. 

As stated by Attorney XXXX XXXX XXXX, of the FEDERAL TRADE COMMISSION, a printout of a bill or itemized document does not constitution verification. Also, without proper Wet Ink Signature contracts per section 609 FCRA, it is impossible to determine if the partial account numbers reported to the Credit Bureau 's are in fact accurate or not. Please see attached evidence per XXXX XXXX notifications that this company is still reporting while under investigation.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

Ive had an ongoing issue with my bank ( Truist ) since XX/XX/XXXX. I have been back-and-forth trying to get this resolved with both financial institutions. ( Truist and XXXX XXXX ) and still no resolution. The attorney generals office advised to contact the consumer finance department - It is imperative, I speak to somebody regarding this matter, not only to help resolve my issue, but because it was brought to my attention, that my bank, Truist, has committed fraud by illegally hand writing in an account number on one of my checks when they re-deposited for payment XX/XX/XXXX, I deposited four checks each in the amount of {$500.00}, totaling {$2000.00}. My bank took out {$500.00} on two separate dates. ( XX/XX/XXXX and XX/XX/XXXX ( total if {$1000.00} ) stating one check was returned and the other {$500.00} deduction out of my account was for an adjustment case. 
I have contacted XXXX XXXX numerous times regarding the situation, and after speaking to many representatives, including the supervisor XXXX at the corporate office, they all informed me and sent a letter and the checks stating that the checks were paid/cashed. XXXX XXXX advised me to contact my bank and have my bank contact XXXX XXXX to resolve. After my bank manager told me she was not going around and around with me anymore and removing this from her desk, I then contacted area supervisor, XXXX XXXX, up in XXXX, in which he told me, my bank manager should have stood by me until this was resolved, he promised the same Now he directed me to another branch manager up and XXXX XXXX, South Carolina, after speaking to her, XXXX, and explaining to her that XXXX XXXX confirmed the checks were paid, and that they asked for Truist bank to contact them to resolve, she ( XXXX Truist manager ) told me that they can not speak to XXXX XXXX. I work a full-time job, I am a single mother, and {$1000.00} is very valuable to me. I need help with getting this resolved and finding out who has my XXXX dollars. I appreciate your help in this matter and Im willing and able to send you any or all documents I have on this case. This has been a long drawn out process, that has caused me not only Time but a lot of XXXX XXXX. Thank you in advance XXXX XXXX
Consumer complaint received 2023-08-06
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. (PA)

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
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from XXXX 
The fraudulent items are circled and listed here : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled. 
A copy of my Identity Theft Victims Complaint and Affidavit. 
A copy of my FTC Identity Theft Report. 
Proof of my identity and proof of my address. 
Confirmation of fraud alert. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theXXXX within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Consumer complaint received 2022-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

My identity was stolen, my cousin XXXX XXXX XXXX XXXX XX/XX/1973, brought a XXXX XXXX using my name, D.O.B and Social Security XXXX, and a Navy Federal Credit was open in my name. ( 1 ) .XXXX XXXX Account XXXX. 
( 2 ). NAVY FEDERAL CR UNION Account XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX  XXXX, XXXX IL XXXX
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX  Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX Type of Business : XXXX XXXX XXXX Date of Inquiry : XXXX  Creditor Name : XXXX Type of Business : XXXX XXXX Date of Inquiry : XX/XX/XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Consumer complaint received 2023-01-26
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. (CA)

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

XXXX XXXX XXXX XXXX XXXX XXXX  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 instruction 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 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

XX/XX/XXXX My Moms Bankruptcy ended I noticed that XXXX XXXX was reporting during the bankruptcy that our Mortgage was 90 -180 Days late every month on on Both Credit reports (. ) in XXXX I received her Discharge and we sent letters to all 3 Bureaus Equifax, XXXX, XXXX XXXX all 3 said they would contact XXXX XXXX doing business as XXXX XXXX XXXX upon contacting XXXX all 3 were told that they were reporting it right and it would stay that way, So I contacted XXXX XXXX and explained that it was illegal to report inaccurate information on credit reports and that I would seek legal remedy, Consumer Financial Protection Bureau was contacted sent all 3 credit reports and the complaint letter to 3 credit bureaus in XXXX, XXXX and now XXXX XXXX XXXX ( KNOWINGLY Deleted ) our Mortgage on our reports and so we could not show a mortgage history which would keep us from getting a loan from another bank? and would keep our credit score down so we could not qualify for any other loan? I have the documentation from the credit bureaus showing it was there in XX/XX/XXXX and before although it shows them reporting it late 90-180 days again that is illegal, so I filed several complaints and have tried to speak with them and have had them say time and time again that its correct and they are not changing it, Well in XXXX i received notices that they were reporting our information incorrect and they would fix it and they were sorry? I am going to sue XXXX XXXX for this as they have lied to a Congressmen 's office that checked into this as I am a Veteran, This has financially ruined us, we have gotten no loans with reasonable APR 's and We have paid more for all Purchases We still have not had fixed and now were forced to sell our property as we couldn't get a loan for the Mortgage that our report doesn't show.
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.