davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NM)

On XX/XX/2019 I submitted a written request to US Bank asking them to investigate 6 separate fraudulent ACH withdrawals from my Property Management Trust Account. Someone was apparently using my trust account to pay their personal (? ) XXXX XXXX bills. I also contacted XXXX XXXX to see if by using the tracking numbers they could find out who did this but they said they could not do anything until US Bank 's fraud department contacted their fraud department and that between the two of them, they would figure it out. 

I had yet to hear from US Bank after hand-delivering my letter on XX/XX/XXXX so late last week I began leaving messages for them to call me back regarding a follow-up. Yesterday after my second call, I received a call back. I was told that no adjustment could be made because with ACH withdrawals I only have 24 hours to notify them of the charge regardless of it being fraud. This makes absolutely no sense whatsoever. 

There are reference numbers on my bank statements that SOMEONE from XXXX XXXX OR US Bank should be able to track to see who did this. MAYBE it was simply an error? But with no one willing to even check into the possibility, the only one that got hurt here is me since I have to put the money back into the trust account from my own pocket. 

Thank you for taking the time to read this - I hope to hear from someone soon. I will upload my letter to US Bank AND their response once I receive it.
Consumer complaint received 2024-03-13
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. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-29
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. (PA)

Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA federal savings bank gave me a Letter of guarantee for a release of lien upon receipt of full payment. I paid in full and they never submitted the release of lien. DMV still has a recorded lien from USAA federal savings bank.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-10-02
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: ENCORE CAPITAL GROUP INC. (GA)

XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to an account established with XXXX XXXX Bank for an amount of {$850.00}. This account was established with her information without her consent and is an issue of true named fraud and identity theft. An official dispute of this account was provided to XXXX XXXX XXXX ( MCM ) office XX/XX/2018 and was received as verified with a return receipt. Shortly after XX/XX/2018 MCM sent a second " pre-legal notification '' concerning this attempt to collect. MCM has violated the FDCPA and the FCRA in their failure to not conduct an investigation into this matter and still they tried to collect this debt. In addition the original creditor XXXX XXXX bank was also notified XX/XX/2018.
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: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX  XXXX XXXX  : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX  XXXX {$950.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$410.00} ; XXXX  XXXX XXXX  : {$100.00} ; XXXX  XXXX XXXX  : {$64.00}.
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio (CA)

Company failed to provide a 30 day notice of insertion with the ability to dispute or a dunning letter. Reporting company has re-aged the alleged debt to extend the amount of time in which they are able to collect funds. They have also been reporting two different balances per FCRA any details they report must be accurate and if not that is grounds for removal.
Consumer complaint received 2018-05-29
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. (MA)

I was going through my credit report from the 3 major credit bureaus ( XXXX, XXXX, and equifax ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX charge me for three days XX/XX/XXXX XXXX XXXX and a late charge later they took off the late charge but I never stayed on XXXX XX/XX/2022! This was in XXXX XXXX XXXX XXXX at XXXX XXXX, next to the XXXX  I was charged for all the different taxes and surcharges for the XXXX even though the room charge looks like it was removed according to my credit card company it looks like I was charged to stay all the way to XXXX XXXX Ive been fighting this for almost 3 months now and my credit card company wants more information what the problem is I havent been able to get the XXXX XXXX management can you send me a receipt for the bill nor have they ever replied to me ever since I have sent the messages!
Consumer complaint received 2019-09-12
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have written numerous complaints about the problems on my credit report on my " Capital One '' account for throughout the year, 2019. 

Both, Capital One and XXXX have responded e incorrectly in saying that a Charge-off and a Write-off is the same thing, but that is not the truth. According to the law the following is true about the difference. 

A charge-off and a write-off sound a lot alike, but they are two very different things. 
Charge-Off. 

The term charge-off equates to when a credit card account reaches 180 days past due. At that point, the credit card company is required to reclassify the account for accounting purposes. Specifically, from a performing asset to a non-performing asset for the bank. 

However, even though a credit card account has been reclassified as a charged off account, the credit card company still reserves the right to pursue collection of the outstanding balance.When a person hears the term charge-off, they often mistakenly think that theyre in the clear and that their debt will be forgiven. Not so. If only it were that easy. As mentioned above, a charge-off is simply a reclassification of the debt, and unfortunately you still owe the money even if the account has charged off. 

Credit card companies handle charged off accounts in a variety of ways : Sometimes the credit card company continues on with their own in-house collection efforts on the charged off account. 

Sometimes they outsource the charged off account to a collection agency, but the credit card company still retains ownership of the account.

Sometimes the credit card company sells the charged off account to a debt purchaser. Just like mortgages are bought and sold all the time, so are credit card accounts.

Write-Off A write-off on the other hand is when a creditor forgives a portion of the balance that is legitimately owed. For example, if you owe {$15000.00} and a creditor agrees to settle the account for {$0.00} on the dollar, they write off {$7500.00}.

Debt Collectors And Charge-Off When an account charges off, the credit card company will place a derogatory mark on your credit report as a way of penalizing you for not paying as agreed. This is standard procedure.

When attempting to collect an outstanding debt prior to the charge-off point ( i.e. 180 days ) debt collectors often make a big deal about the ramifications of having a  charge-off appear on your credit report. They often try to create the impression that youll be ruined financially if a charge-off shows up on your credit report. 

In summary, now you know that charge-off is merely a *reclassification* of the debt that signifies that an account is at least 180 days past due. According to the Law firm of XXXX, XXXX and XXXX
Consumer complaint received 2023-03-08
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: Porsche Financial Services, Inc. (NY)

Lamborghini financial services XX/XX/XXXX {$88000.00} charge off! 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX balance
Consumer complaint received 2018-10-02
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: CITIBANK, N.A. (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2022-09-02
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. (AZ)

Transunion has three collections accounts for XXXX XXXX. XXXX has no collections accounts for XXXX XXXX. In addition, one of Transunion Collections Accounts is for the same account dollar amount and with the same original company being owed {$63.00}. This is obviously a duplicate account. 

XXXX account is for XX/XX/2017 from XXXX XXXX for {$63.00}. Second collection account for XXXX XXXX is for exactly the same amount of {$63.00} and filed one year after original collection was entered into Transunion system. Obviously a duplicate derogatory account and this is not allowed under federal and state laws. In addition for the same time period, there are no collections activities for XXXX XXXX for the last 7 years. All credit reporting agencies need to report the same collection activties and in this case, the lack of any collections per XXXX for XXXX XXXX- please see attached proof of no collections activities for XXXX XXXX at XXXX.
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: Experian Information Solutions Inc. (GA)

This is in reference to XXXX. I've opted out of XXXX and requested information from Experian on where what the data source. I received a letter stating XXXX. Under FCRA, i have a right to the know the data source. The courts also sent a letter stating they don't not supply public records. There is multiple inaccuracy and thus needs to be deleted.
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (IL)

At the beginning of XX/XX/XXXX I had a " jump on demand plan '' with XXXX, which enable me to switch devices every 3-4 months. In XX/XX/XXXX, XXXX decided to switch my plan from personal to business, an so, the made me exchange my phone for a new one, but the exact same model, because of my new " type of account ''. Theere days after they told that I received a new XXXX phone on the mail. I returned my old phone one week after the new one arrived at a XXXX store in Illinois. Everything returned, XXXX balance and closed account. Right? Well ... apparently no ... 9 months later, checking my credit scores I'm noticed that XXXX and XXXX are showing that account on collection. I called several times XXXX and they keep saying the same : that account is closed, and that my new account it is in good standing. 
I tried to dispute this on their sites without luck. Apparently, if you don't have a paid subscription, you can't dispute incorrect information fairly. Although XXXX  is offering to call them to open the dispute, XXXX doesn't even have that option at all.
Consumer complaint received 2022-01-04
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. (MO)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and 6 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (WA)

On XX/XX/2018 Midwest Recovery Systems reported a collection of {$160.00} to XXXX XXXX which resulted in a negative report on my credit report on XX/XX/XXXX. Also, the same with XXXX on XX/XX/XXXX. I have never had any communications to or from Midwest Recovery Systems, I don't know who they are representing or what debt they are trying to collect because as of XX/XX/XXXX, I had ZERO collections on my credit report. This company has NUMEROUS complaints about how it does business and the scam collections they report on peoples credit reports. This needs to stop!
Consumer complaint received 2019-09-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Michael J Adams PC (TX)

To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices Michael J Adams PC, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party XXXX XXXX XXXX  online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.
Consumer complaint received 2024-03-13
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. (NC)

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-01-04
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. (MO)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX  days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you