davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
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. (MS)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

On XX/XX/2021 I sent a letter regarding false and unknown things on my credit report. To this day it is 56 days later I have not received any response or documentation from Equifax as of yet. I feel like I'm being taken advantage of and being ignored by my disputes. Accordance to Fair Credit Reporting Act Section 611 ( a ), it is plainly stating that a failure to investigate the items within 30 business days or more gives a reason to immediately remove the item from my credit report. It has been over 30 business days so they should remove this promptly. I demand this account be deleted soon as possible or I will file for ligation due to the stress and damages you have caused me. My information was also impacted by the Equifax data breach and may have gotten to the hands of a computer or wrong person.
Consumer complaint received 2022-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have disputed with this company about a debt they claim I owe. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. All they have sent me is a copy of a bill, Per the FTC, a copy of a bill or itemized document does not constitute verification. Despite my numerous letters they continue to mark it as meets FCRA requirements, without showing that I have a legally binding contract to pay them what they claim I owe.
Consumer complaint received 2022-05-19
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and 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 a account without my written instructions.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc. (NY)

There are 2 collection accounts that are reflecting on all 3 of my credit reports that Ive never authorized or signed for and theyve been contacting me stating that it will remain on my credit reports negatively until I pay them off. I do not have any accounts with these collectors.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

In accordance with the Fair Credit Reporting act Convergent Account JEFFERSON CAPITAL SYSTEM 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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Account is derogatory and per the FCRA 15 U.S.C. 1681i, if an account is showing unproven, non-compliant, incomplete, untrue, Incorrect and unverified aspects and the alleged derogatory account must be negated in its entirety, or the accounts are to be completely deleted. 

I have not supplied proof under the doctrine of estoppel by science, Engelhardt v, Gravens ( mo ) 281 SW 715,719 I presume no proof of the alleged debt nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Since last year XXXX Citibank has had a promotion of {$1500.00} bonus in you open a checking account with {$20000.00} and keep it for 60 days. 
On XX/XX/XXXX, I opened online a checking account with Citibank with {$200000.00} with incentive that I would receive {$1500.00} bonus. Sometime in XX/XX/XXXX, I stopped at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Citibank branch. I spoke to XXXX XXXX XXXX XXXX, Personal banker phone # XXXX XXXX XXXX who stated that I would have to keep the account open for an additional 90 days to get the bonus and I did. Now Citibank refused to give me the {$1500.00} bonus. I want the {$1500.00} bonus. I went back to the Branch and XXXX XXXX opened a case for me and Citibank still refuses to give me the money
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Consumer complaint received 2022-05-19
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. (FL)

In accordance with the Fair Credit Reporting Act the accounts listed below have 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. I would like the following accounts removed from my credit report for violating my rights : XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.
Consumer complaint received 2019-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (TX)

I defaulted on a {XXXX} wells Fargo credit card in XX/XX/XXXX XXXX over XXXX years ago ). The debt does not show on my credit report. It was XXXX. A company called XXXX XXXX XXXX XXXX somehow got my number in XXXX. They have called me from various numbers approximately XXXX times in XXXX years. They claim the debt is {XXXX}. 
Even tho the debt is XXXX and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for XXXX   years ) because of the constant harrassment
Consumer complaint received 2022-05-19
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. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

American Express refuses to redeem my points for a statement credit for travel purchases made. Its been over a month and they still tell me theres and error somewhere in the process. I have qualifying purchases and they refuse to correct the situation and credit my account.
Consumer complaint received 2019-07-20
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. (ND)

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX., $ XXXX,XX/XX/XXXX and  XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (MI)

The adverse account on my credit report is from AFNI and it is for the original creditor XXXX. I never received any contact information from XXXX or AFNI regarding this delinquent account. They are now claiming I owe {$230.00} which I was uninformed about from 2013. I contacted AFNI to ask them about it and they claim they sent out some letters in the mail. I asked if they were certified because I never received any such letter from them and do not believe they sent them because I never received a single one from them or XXXX. They said they do n't send certified mail because it cost too much. I informed them all I wanted was the account deleted and if it was correct I would not mind paying it off as long as it was deleted, but I felt it was unfair to report that to the credit agency because I was unaware of it and never received any information about it up until this point in time. I have an excellent credit history and they now refuse to delete it from my account.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMEOWNERS FINANCIAL GROUP USA (TX)

I purchased a home from Home OwNers Financial of America in XX/XX/2022 and then refinanced it as the rates were still low and I was saving over $ XXXX monthly. Shortly after the refinance was completed, I was supposed to receive my escrow balance and overpayment of the payoff amount. It has been more than 2 months since I have received anything. They intentionally keep delaying sending our check with various excuses made. At first, they said a check will be sent out on XX/XX/2022. It never sent out. Then an email came that a check was being sent out on XX/XX/2022. It has still not arrived. This is highly unprofessional. As a provider of financial services, this is blatant action of harassment by the mortgage company to withhold our hard earned money. It has been over 3 months now. 

Loan Payoff - Loan # XXXX XXXX XXXX XXXXXXXX Homeowners Financial Group XXXX ( XXXX ) XXXX Toll Free ( XXXX ) XXXX SENT BY : E-mail Address XXXX XXXX
Consumer complaint received 2021-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Pacific Credit Company, LLC (MO)

Claim number XXXX. Current creditors FPC account XXXX XXXX XXXX. Balance XXXX and XXXX I DO NOT KNOW WHAT YHIS IS I HAVE NEVER FOOK ANYTHING OUT! SOMEONE IS USIMG MY IDENTITY PLEASE HELP
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX XXXX XXXX Lastly, after doing so, XXXX XXXX still sold the debt.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX opened with Bank Name XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to FACE for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.
Consumer complaint received 2022-05-19
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: Atlanticus Services Corporation (MS)

In Accordance with the fair credit reporting act, XXXX  accounts : XXXX, XXXX, XXXX, and fortiva  have violated my rights. I have made repeated phone calls and sent out letters concerning any and all late payments. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-19
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: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2021-11-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt Premier XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-10-12
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-11-12
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. (FL)

I have disputed now three times with nothing back and information is still inaccurate. There are different names, addresses etc reporting on my credit and things that don't belong to me. 

What do I do for the credit agencies to fix these?
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MN)

I only have what they sent me. which was dates XXXXXXXX XXXX XXXXXXXX amount XXXX and I was told I was paying XXXX dollars a month, which was being deducted out of my checking account, I noticed the outstanding amount and wanted to know when this transaction or transaction had been made. They have not shown me anything at this time but the amount owed,
Consumer complaint received 2022-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (AZ)

In accordance with the fair credit reporting act Convergent  Account # XXXX, has violated my rights. 15USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.