davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, XXXX, Experian.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Consumer complaint received 2022-05-17
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian/XXXXCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian/XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX  XXXX XXXX/XXXX Inquired on XX/XX/2020 XXXX XXXX  Inquired XXXX XX/XX/2020 2020
Consumer complaint received 2022-05-17
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. (FL)

These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-05-17
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)

These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$23000.00} XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XX/XX/XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2022, I received a text message asking to verify a transfer of {$3500.00} from my Bank of America savings account. I did not verify this transfer and reported such through the text message. immediately after, I received a call from someone claiming to be a Bank of America employee and was told that they would assist me in reversing the supposed transfer of funds. I follow their instructions, which included " transferring the funds back into my account ''. I then received a text message asking to confirm this reversal of transfer in which I did so. the employee told me that the situation was taken care of but to " not log into my bank account for the next XXXX hours ''. I found this suspicious but thanked him and hung up the phone. From there, I logged back into my account and saw that the money was indeed transferred out of my account and was sent to a XXXX account linked to a phone number that I did not recognize. I googled a rough description of the situation and found that I was the victim of a scam that has been going on for the past few months to others within the United States. I then called Bank of America customer support and was told that this scam is XXXX that they have been made well aware of and XXXX that many customers have called to report but that there was not much that they could do since I technically did verify the transfer. The person I spoke to also told me that it was unlikely that I would be reimbursed or compensated in any way. I have been a loyal customer to Bank of America for the past XXXX years and was incredibly surprised and crushed at their lack of fraud protection for those who use their services and am now out of all of the money I had saved up so far for my child 's college tuition.
Consumer complaint received 2022-10-13
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. (NY)

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Consumer complaint received 2022-05-17
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)

These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX  XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/2020 at approx. XXXX I transferred {$210.00} to a paypal account to purchase concert tickets. I never received the ticket transfer. I contacted XXXX  when they opened on XX/XX/2020 at XXXX and verified the order number given to me was fraudulent. I immediately contacted paypal to let them know and wanted to file an escalated dispute to cancel the transaction and stop the payment. I was told they could not help me. I have email documentation where the tickets for sale were misrepresented to me.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I sent Enhanced Recovery Company a debt validation letter on XX/XX/21. They didn't send enough info to verify that I owe the debt. I ask them to fill out a form and that your claim can not and will not be considered if any portion of this one is not completed and returned with copies of all requested documents. This is a request for validation pursuant to the Fair Debt Collection Practice Act. They fail to compete my form and to provide me with enough info to validate the debt. I asked for the original contract I signed. they didn't provide it.I also ask for them to verify the debt for three accounts.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2019, I sent a letter to Experian requesting them to only report 1 address per FCRA 623, which I provided to them. Earlier in XXXX late XXXX my creditors updated my address to the 3 bureaus and both XXXX  and XXXX  added my new address. Experian continued reporting the wrong addresses which led to the letter which I will later attach. Experian has deliberately ignored my requests per their attached letter. FCRA 623 states that I have ONLY 1 address and 1 address should ONLY be showing and that its misleading, erroneous, and false to have multiple addresses. I also asked that they remove any employment as the one that's reported is erroneous. They are violating federal law! I will take further legal action in the form of filing a lawsuit if this is not resolved immediately.
Consumer complaint received 2015-05-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I am an unemployed mother who owns a condo rental property. The condo was involved in a fire that originated in an above unit and was destroyed as a result. Unfortunately I lost my renter and am unable to pay my mortgage. The property has depreciated considerably from the time I purchased it. The unit is down to the studs now and is worth even less. When I contacted Wells Fargo to negotiate a reasonable short payment I was denied by the legal department. I feel like I am being taken advantage of by Wells Fargo Bank.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/XXXX. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/TransUnion. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX, via the online system, I scheduled a payment in the amount of {$550.00}, which, with the regular automatic payment will suffice for the amount to satisfy the last month 's balance, with the date of XXXX. Somehow the system set the date as XXXX, and when I caught the error later, I called Customer Service, but as usual, they are clueless, and the Bankcard Issuer does not allow for higher up representatives to be contacted ( which is the reason that I simply file a complaint with the CFPB to in essence effect a contact such a representative ). 

So the payment went through the system, with the bank that the payment had been withdrawn upon to reject the payment attempt ( no side effect there ), but the Bankcard Issuer will not allow me to reschedule the payment to the originally desired day- it seems to be forcing me to not make enough of a payment so as to avoid interest charge. 

On a side note, I was told by Customer Service that the Bankcard Issuer will not charge a fee for the payment being NSF ( or whatever it is called ), so that would seem to not be a problem.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TN)

I've been made aware of the fraud on the discover credit card account. 
They are in violation of several consumer laws. I can list a few to begin.

1.UCC 3-302 2.UCC 3-306 3.15 USC 1666 ( d ) 4.15 USC 1666 ( e )
Consumer complaint received 2022-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AK)

Servicing for my student loan has gone to Ed Financial. I have made some payments even though payments have been suspended and interest has been suspended. I try to budget each month and have been tracking my balance for all my debt. I felt that my payments had not been properly applied and went online to view my monthly statement. My balance on XX/XX/2022 was {$26.00}, XXXX. I made a payment of {$110.00}. My balance today, XX/XX/2022 is {$26000.00}, so the balance only changed by a dollar?. I could not view statements and had elected for paperless statements in the past. I called Ed Financial today, XX/XX/2022 to ask about the payments and try and get statement or payment information. The online payment does not show previous balance only the payment made. I was informed by XXXX with Ed Financial, that they do not send statements right now because of the payment suspension. I believe there is a regulation that if you make a payment, a statement has to be generated. I could be wrong, but if this is the case, then Ed Financial needs to be made aware of this so that they can follow Regulation. I will now have to wait 29 business days to receive my payment history breakdown via email. This is not acceptable.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was checking my credit score and credit report when i saw i had a {$500.00} credit limit on a card i never applied for in utah! Ive never lived in utah a day in my life!!!! There have been payments and an active card in my name for the last 4 years!
Consumer complaint received 2022-05-17
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. (NV)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX