davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TX)

I received my early warning report and XXXX XXXX  has violated my privacy rights by reporting personal transactions to my early warning report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and Early Warning services is not a part of XXXX XXXX. I counted 28 transactions reported and that's 28 violations that I ' am seeking damages. My account # XXXX
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

On XX/XX/XXXX, I disputed information on the Experian report showing a derogatory by XXXX XXXX indicating they not been paid {$500.00} and that the account was charged off in XXXX and XX/XX/XXXX. 

I provided proof of payment provided by my bank XXXX XXXX and asked that the information be corrected. XXXX XXXX denied my request and furthermore updated the report to indicate the account was written off as of XX/XX/XXXX. In disbelief I disputed it again. Again I got the same result and XXXX XXXX charged the account off again, effective XX/XX/XXXX. So now the account which was originally charged off in XX/XX/XXXX was again charged off 2 more times in XXXX and XX/XX/XXXX and was now a negative on my report. In other words the account that was erroneously charged off in XX/XX/XXXXwas now maliciouly made to look like if was 2 recent charge offs. I called and wrote XXXX XXXX again and they refused to do anything about it and warned me that they would list it as a recent charge off everytime I disputed it. WOW. I called Experian and they told me they just report what they are told by the Financial institution and they couldn't do anthing about it. 

Please Help ... These guys are horrible!!!
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 there was an unauthorized {$9000.00} cash advance from our Wells Fargo credit card # XXXX XXXX XXXX XXXX to our Wells Fargo Checking account. On that same day an unauthorized wire transfer for {$14000.00} was made to XXXX XXXX for the benefit of XXXX XXXX XXXX XXXX leaving us with {$550.00} in our checking account. 
On XX/XX/2022 I noticed these unusual transactions and visited our local Wells Fargo XXXX XXXX XXXX. He called someone at Wells Fargo and was able to stop a wire transfer of {$8000.00} which was enabled by XXXX additional cash advances from XXXX Wells Fargo credit cards {$3000.00} from the credit card mentioned above and another Wells Fargo credit card # XXXX XXXX XXXX XXXX for {$4000.00}. 
We have received XXXX letters from Well Fargo dated XX/XX/2022 and XX/XX/2022 saying they are not responsible for our loss. In addition we appealed this decision to the XXXX branch of Well Fargo and we received a letter saying they are not responsible. 
In addition to the {$14000.00} loss Wells Fargo has charged us with a 5 % Cash withdrawal fee for the {$9000.00} + {$3000.00} + {$4000.00} amounting to {$800.00} and a {$30.00} wire transfer fee.
Consumer complaint received 2018-12-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates is still reporting this fraudulent account to XXXX but had deleted from XXXXXXXX XXXX! I have mailed portfolio Recovery a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to XXXX and they told me Portfolio Recovery is still reporting this fraudulent account and XXXX is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on XXXX and Portfolio Recovery! Portfolio has deleted this fraudulent account off of XXXX and XXXX but is still reporting to XXXX!!
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.
Consumer complaint received 2023-03-16
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. (TX)

in accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 2021-12-24
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 am making a report concerning XXXX, XXXX and Experian are currently reporting accounts that are in Litigation. All laws are being violated According to 15 US Code 1666. I need all accounts DELETED immediately. My rights are being violated.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Currently have a medical bill that was paid by my insurance company. I have mailed in disputes with the Credit bureau with no success. I'm currently in the process of trying to buy a house and really need these items removed. I also included other accounts that are reporting incorrect that need to removed from my Credit Report.
Consumer complaint received 2022-03-07
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. (DE)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE CLOSE and CHARGE OFF ACCOUNT : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (NJ)

I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery sent me a letter by mail stating that I owed this alleged debt violating 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist also Failed to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e.

Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 )
Consumer complaint received 2020-12-23
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. (NY)

I contacted you before about these accounts on my report that were opened fraudulently. You responded that they were verified and provided no information after I requested the verification method under section 609 of the FCRA. I stated in that letter that these accounts did not belong to me so I know that they couldn't be verified. I have now moved on and submitted a complaint with the Federal Trade commission. The report is attached. Please remove these accounts from my report within 4 business days as per section 605 of the FCRA. Happy Holidays and thank you for your assistance.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

This is a two part complaint, the first part is that I had a {$36.00} overdraft fee charged to my account on XX/XX/XXXX despite the funds to cover a transaction having posting to my account. 
The second part is that I had an issue with XXXX pulling money from the wrong account, and despite BB & T knowing that it wasnt intentional and me offering to pay the negative balance minus the fees, they refused to waive the {$610.00} in overdraft and returned item fees.
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I have an unverified account from Calvary Portfolio Services, LLC. I have previously disputed this account. I have never done business with Calvary Portfolio. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe.

Cavalry Portfolio Services , LLC has reported a collection on all 3 credit reporting agencies onXX/XX/XXXX & XX/XX/XXXX. I sent registered letters to Cavalry Portfolio Services , LLC requesting validation of debt for their account # XXXX to the address listed, on XX/XX/XXXX andXX/XX/XXXX, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received.

Again they failed to provide the information I requested. Instead, they sent letters dated XXXX & XXXX   requesting that I provide : " specific information that I was disputing and an explanation of the basis of my dispute ''.

I have requested that Cavalry Portfolio Services , LLC, verify the following information : 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio Services , LLC is unable to provide the above identifying account information, this account must be deleted from all 3 credit reporting agencies. This account is effecting negatively on all 3 credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue.

The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

I have not now, nor ever had any contractual obligation or arrangement with Cavalry Portfolio Services , LLC.
Consumer complaint received 2015-05-19
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also?
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

the company National Credit system is trying to add more money onto a debt for 3 times the amount that was passed judgement in court. 

the debt was taken into judgement by the court on or about the end of XXXX final judgement in court was to pay of the amount of {$1200.00} which is the rent due for one months rent. The collection company had tripled the amount due to $ {$3500.00}. request for detailed debt verification has failed and none has been provided. this amount is not what was passed judgement in court. the company has then put this amount on my credit.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-24
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. (AL)

There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time Experian updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both Experian and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.
Consumer complaint received 2018-10-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of XXXX when I asked him to look at my old file. He said that the old debt collector has instructed XXXX to delete the negative report on the supposed debt. I asked XXXX why it would accept a file from a new collection agency, XXXX, on an old debt that XXXX   acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with XXXX, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think XXXX did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with XXXX. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

XXXX is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off XXXX to think that this is a new debt.