davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I sent a letter on XX/XX/XXXX to remove collection account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-05-31
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. (GA)

I disputed XXXX accounts on my credit report and TransUnion says it's not being reported. I am attaching proof it is still being reported. XXXX XXXX Account # XXXX also XXXX XXXX Account # XXXX and XXXX  Account XXXX XXXX This is a violation as well as me as a consumer being lied to about my credit report. Please remove this information as TransUnion says it is not supposed to be reporting. Thanks!
Consumer complaint received 2022-12-18
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. (VA)

XXXX XXXX XXXX has reported I owe them money in the amount of $ XXXXI do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX  bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2017-07-31
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. (LA)

After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo keeps taking money out of my accounts. When I checked my savings account balance, it was negative because they declined a legitimate check from XXXX XXXX XXXX which was deposited at a local ATM. Then they charged a fee for this declined check and are making me wait two business days for them to get around to telling me why this happened. 

For the record I have deposited the same checks from the same company four or five times already without issues. 

This is only the latest of several serious problems with WF. For example, when I reported my card lost the cancelled the card and promised my digital wallet would still work, but it didnt, so I could not purchase anything. Some time later they reversed a claim they had previously approved so that my account had very low funds. 

Because of the theft of {$240.00} from my savings account I am forced to use money set aside for rent for daily expenses.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter on XX/XX/XXXX to remove collection accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX & I am including it again. 

U S DEPT OF EDXXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX U S DEPT OF ED/XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SinglePoint GI (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : General Revenue Corp
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in life.
Consumer complaint received 2022-05-31
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: CITIZENS FINANCIAL GROUP, INC. (IN)

I was denied multiple loans and found out it was because there is an open line of credit in the amount of {$5000.00} and over {$3000.00} of it has been utilized. This is at a bank in Rhode Island I have never heard of, been to, or applied for any services at. I have reached out to my local police department and filed a complaint about this.
Consumer complaint received 2019-11-25
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, THE ACCOUNT BEING DISPUTED HAS BEEN PURGED OFF MY CREDIT REPORT AND IT IS NOW REPORTING AS A DEROGATORY. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT AND HAVE IT REPORTING WITH THE CORRECT ACCOUNT ACCURACIES.
Consumer complaint received 2022-12-18
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX BANK Account Number XXXX Account XXXX XXXX XXXX Account Number XXXX Account XXXX XXXXXXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after ( date of the Previous letter ). Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-05-31
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. (NY)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-05-31
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. (VA)

I have contacted TransUnion several time about reporting inaccurate information on my public records. They keep stating they have verified this information but have yet to produce any documents from the court that they say provided this information to them. I have two inaccurate bankruptcy reporting Docket # XXXX ) and Docket # XXXX. TransUnion has continued to harm my credit worthiness but leaving inaccurate information reporting on my credit. They have failed to give me any documentation from the court, and they cant because the US Bankruptcy Court XXXX XXXXt does not provide information to credit bureaus. I have know accounts reporting in my credit file credit so why would they allow this to harm. I am in the process of filing a civil suit due to TransUnion negligence. I have also attached a copy of the updated report they sent me. 

File # XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NC)

The CBE Group XXXX Inc XXXX XXXX XXXX XXXX, IA XXXX Reference : XXXX XX/XX/22 Letter stated : The letter is regarding account with Department of Veterans Affairs account number XXXX As of XX/XX/22 you owed : {$34.00} and was charged administrative costs : {$11.00}. 

Caled XXXX spoke to VA Rep. and was told do not owe {$34.00} and account number XXXX not in their system. Called XXXX XXXX The CBE Group , INC. and representative asked what Government department I spoke to. I told them and they kept asking for department I spoke to. Every time I answered them, they said it was wrong department. I gave them all the information on VA that sent my medical bills and every time I was told, by CBE Rep ; I talked to wrong department. I finally replied that as per CBE Group letter : This is not my debt, I want to dispute the dept. The representative hung up on me. 

Contacted CFPB by phone and helped to be able to send in this form.
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens Bank continued charging PMI for 4 months after the loan balance was below 78 % of cost/fmv. 

The bank acknowledges taking more PMI however they are refusing to refund the excessive funds that were taking from our account ( approximately XXXX usd ).
Consumer complaint received 2022-05-31
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX  XXXX  XXXX Account # 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
Consumer complaint received 2022-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NJ)

Because of one simple mistake the company is making me to make payments through XXXX XXXX very difficult for me to do. I made a payment but forgot to move my funds from saving to checking the next day I notice what I have done wrong and submitted the payment. I am ok with them charging me for bounce check but not punishing me for a simple and honest mistake
Consumer complaint received 2024-04-14
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: CITIBANK, N.A. (MO)

Account was closed in XXXX of XXXX. No valid reason was given from lender on why the account closed. But after account was closed they starting reporting late payments to the account when during the entire contract I was never late. Account is closed but company still and currently has it active. When pulled up online or on app, its still giving statements as if its active. Called to ask Citi bank whats going on here and talked to at least 5 representatives. I asked for statements to be faxed and company came up with excuses of why they couldnt. Also no one had any answers as to why the account is still reporting and giving statement dates, if its been closed since last year of XXXX. Company said they apologize for the error and inconvenience, that theyre is nothing else to do on my end and they will contact me. That was on XXXX XXXX.
Consumer complaint received 2022-05-31
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX  XXXX  XXXX Account # 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
Consumer complaint received 2022-05-31
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. (NY)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (NY)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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. (NY)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MD)

I purchased products through XXXX  which used affirm as a payment option. I paid ALL loans off & received paid in full notification via email & inside their affirm app. 
ALL of the products ordered were incorrect so a return & refund was arranged. 
I returned the items and got confirmation they were received. Since then Ive been bombarded with emails telling me I owe them money ( which is baffling ). 
I spoke with an affirm representative and he told me that THEY STILL OWE ME {$670.00} XX/XX/2022 at XXXX p.m. I have the notes. 

XXXX Thats the confirmation number I was given for a 2 to 3 week response from XXXX ( which I never got )
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I have disputed with a collection agency by the name of Diversified Consultants stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I am  obligated to pay the amount {$390.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Diversified Consultants. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.