davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northern Resolution Services (OH)

I received a call from my boss at a XXXX home I only work at once a month. She stated that a man called and said that he was contacting her to tell her I was being sued and that he would be at the job in the afternoon to serve me, with a police officer. or she could just give him my address and they will come to my home instead. Also was asking her if I work tonight. He then gave her the phone number so she can reach him and the case number of the " law suit ''. She gave me all the information and when I called I learned that it was a collection agency. I do not know how they got my job information as I haven't been working for them for that long and this really didn't look good for me. She told me please take care of this we can't have people coming to the XXXX home for things like this. I did not speak to anyone on the phone from the company ( Northern Resolution Group LLC ) They did not identity them self to my boss as a collection agency in XXXX NY.
Consumer complaint received 2021-04-01
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: CITIBANK, N.A. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, Chase bank charged wrongly overdraft fees, I have alert of low balance or unsuficent fee balance and always deposit immediatly to cover transactions if needed but Chase always changed the order and charged me overdraft fee anyway. when you call they said their per their guidelines they don't refund more then 2 overdrawft doesn't matter bank fault or not.

Taken {$34.00} from people is money just because you can is not Ok.

See attached documents. When Chase refund, they always find the way to take back what they refunded in first place.
Consumer complaint received 2023-07-07
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and Transunion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update these accounts ASAP.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (PA)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-03-31
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. (PA)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-04-08
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: Resurgent Capital Services L.P. (NY)

XXXX XXXX XXXX, XXXX sold my debt to LVNV LLC which I do not owe anything. XXXX XXXX  sold my debt and my sensitive information such as my social security number to XXXX XXXX XXXX , XXXX . 
Without my explicit either written/oral permission I never gave my Social Security Number to LVNV FUNDING LLC which it used my sensitive information and report me to XXXX. 
I'm responsible for the amount XXXX to XXXX XXXX. 
XXXX XXXX  invaded my credit report 10 times starting from XX/XX/2018 to XX/XX/2018. I assume once is good enough but not 10 times. 
They placed my account as derogatory account. They sold out my debt to XXXX XXXX XXXX XXXX which they used LVNV LLC to invade my credit report and report me as Derogatory account. 
I'm responsible for such amount but I don't know how much interests they added that's another thing, however, what makes me vulnerable is the fact my personal information was sold to third parties and they can invade my credit report as much as they like. 
There is no records of phone calls either permission gave to LVNV FUNDING LLC. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX IL XXXX PHONE NUMBER XXXX XXXX XXXX XXXX I can prove providing to the Federal Agency this information which is accurate. I can provide my credit report through XXXX XXXX.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

My name is XXXX XXXX. I had applied to refinance my mortgage with my cousin who owns a mortgage brokerage. While I was submitting my mortgage application I was answering some basic question via text with my Loan Officer. A few minutes after my credit was pulled I received a phone call from XXXX XXXX at Amerisave XXXX XXXX. XXXX introduced himself and said he was following on my application that was sent to him. He lead me to believe that he was working with my mortgage broker and said he just needed to verify my information. He ended up taking a full loan application, pulled my credit. I gave him my credit card information and he charged my card XXXX for an application fee. My mortgage broker called me a few minutes later to verify some of the same information then I realized I was tricked into submitting an application with Amerisave. I quickly called them to have them withdraw my application and requested a refund. They refused to refund my money. I asked to speak to a manager and they were very aggressive with me on the phone about trying to get me to switch. Their closing costs were XXXX more than I had previously locked in with my broker. Their practice is very deceptive and misleading..
Consumer complaint received 2019-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to the XXXX store to inquire about getting a new iphone and new service. When they ran my credit, it showed I already had an account, which is not true. I've never had XXXX before. Not only was it showing an account in my name, but it's in collections. So I pulled my credit and there are several things on my report that are not mine. I reported this to the police and FTC also. Please remove these items as soon as possible. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( accnt # XXXX ), XXXX ( XXXX accnt # ). The last two accounts didn't even have a name on it just account numbers!
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I paid my debt in full on XX/XX/XXXX, and they still haven't reported the debt as paid in full as of XX/XX/19. I called a few days after XX/XX/XXXX, told there was nothing the rep could do.
Consumer complaint received 2019-10-01
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM NOW SUFFERING THE CONSEQUENCES OF SOMEONE'S SELFISH ACTS. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. 
IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2023-04-07
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.
Consumer complaint received 2023-07-07
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. (TX)

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days. I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2018-04-04
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (GA)

XX/XX/XXXX I disputed a ch XXXX  bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. XXXX had 30 days to do so upon request in the dispute XXXX   removed the public record because they could not verify the accuracy of the information. As ofXX/XX/XXXX there weas no record of the bankruptcy on my credit file. As ofXX/XX/XXXX the information has / reinserted/reappeared on my XXXX credit report stating Lexis Nexis is the furnisher of the public record 3rd party vendor of the public record and not the court. I called XXXX   XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy was XX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy was XX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding XXXX did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
Consumer complaint received 2023-04-07
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. (TX)

Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

- I had XXXX internet services- Cancelled on XX/XX/XXXX - Returned equipment in XX/XX/XXXX - Received an email from XXXX thanking me for returning equipment on XX/XX/XXXX - Received multiple mails and calls from collectors about an equipment not returned - I dispute that on XX/XX/XXXX having and showing the proof of returned equipment. 
- XX/XX/XXXX got the last letter, stating that I have until XX/XX/XXXX, to dispute or pay. 
- XX/XX/XXXX Mercantile Adjustment Bureau LLC, flag my credit with a collection trade for {$100.00} - They did not honor the XX/XX/XXXX date and proceed before damaging my credit. 
- On XX/XX/XXXX I called the Collector company and they told me that I can pay but the mark in my report would not be removed but changed to paid. 

I think this is an abuse from the collector, not honoring their own letters. I dont want to spend more time for {$100.00} but I want the mark on my credit to be removed
Consumer complaint received 2023-04-07
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)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX
Consumer complaint received 2019-05-07
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. (LA)

TransUnion is STILL reporting an unverified account to my credit report. I have contacted the ORIGINAL CREDITOR of the account and they have responded on XX/XX/19 through the CFPB Portal stating the account will now be removed. 
Original Creditor Response : In your complaint it was indicated you have retained an attorney. We have closed the account in our office and a request was submitted to XXXX & Transunion to have the aforementioned account removed from your credit report. In conclusion, we hope that you accept our explanation by considering that upon receipt of your concerns, we immediately escalated the situation and met your desired resolution. If you have any additional questions, please feel free to contact me directly. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX .
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On XX/XX/2019, I went onto the XXXX XXXX website to book a flight. Before I hit confirm to move onto the next steps to book the flight, a '' Citi AAdvantage '' credit advertisement appeared next to the information on the screen stating that if I applied I would get a {$200.00} credit if approved. It showed that the ticket I was about purchase would go from {$580.00} to {$380.00} if I applied and was approved. Nowhere during this process was I told it would take 7-10 business days to process the application and I would in fact NOT receive a credit on the current flight I was going to book that day. Various online

creditors prompted a notification to my email address that Citi checked my credit. Upon that notification I received an email from Citi indicating I had to call them and provide additional information. So I called the number and a customer service rep for Citi told me I had to provide proof of ID, which I never had to do in the past with credit card companies. She further told me that it would take an additional 7-10 days to process the application an that they would not credit. She further stated " sorry for the inconvenience ''. This was just a blatant ploy to get people to sign up have their credit score possibly affected and then
not provide them with the {$200.00} credit they supposedly offered online. This is egregious and extremely misleading. Now I'm stuck, I don't want this credit card based off principle, I'm trying to dispute it with the creditors under the fraudulent credit report check by the company.
Consumer complaint received 2023-04-07
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-04-07
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)

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : 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. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.