davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management (TN)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
FOXCOLLECENT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), balance is {$390.00} and account # XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were Chase originally and now being handled by XXXX XXXX XXXX. I have purchased Cars previously and this has never come up on my credit report.
Consumer complaint received 2022-05-04
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 XXXX  account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-06
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (DC)

Hi, I just received a bunch of emails regarding pioneer credit company calling people. They disclosed my personal information to at least 4 third parties, called my employer before XXXX ... more than once, I have the screen shots they sent. Because of this, they will not be asking me to work for them again they said. These credit people also called my younger sister, not a co signer or anything and someone from world bank. What the heck is going on? This is harassment and I could have ticked off ALL of the complaints for this company. All of this stress and illegal disclosures and I still have n't received any proof that this debt is mine.

I would like this company to stop harassing me immediately and to stop contacting me immediately.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, disputed errors on my credit reports from XXXX, XXXX, and TransUnion. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.
Consumer complaint received 2022-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Inaccurate information is reporting on my credit. XXXX, XXXX and Experian are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In an attempt to apply for credit, I was denied and checked my consumer credit report. TransUnion was the only reporting agency that had a credit score for me, and also had a late payment showing on my XXXX XXXX account. This is completely incorrect! I checked further and saw there were two companies, XXXX and XXXX XXXX XXXX, both on my report as collection agencies. This is definitely fraudulent because I never opened any kind of account with the, or are in no business contract or obligation. I noticed both XXXX and XXXX also have collection accounts for me for XXXX XXXX XXXX and XXXX XXXX, companies that I have no knowledge of nor should they have the right to defame me. I have contacted all three CRAs and there still has been nothing removed.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized inquiries that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiries removed from my file 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
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (WA)

Called to inquire about sending a Western Union money transfer and explained to the agent that I needed to send money to a relative affected by XXXX XXXX in XXXX Tx. Inquiry about fees to send and he did n't mention that a Special code of " Help Texas " could have been applied!! Was told I would find out the fees once I submitted the amount of money to be sent! Very disappointed that I was n't informed since this was my first time sending a money transfer online ... 
Agent replied the only way to get my fees refunded would be to re-do the transaction which I had no more time to complete due to a medical appointment!
Consumer complaint received 2017-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

I have attached the narrative and references detailing this complaint along with many copies of our letters and responses from Webster Bank. I have more information - like proof of delivery - that I can provide upon request. 

Webster Bank, over the past 9 years, has refused to provide a chain of title regarding our mortgage, as well as refusing to supply us with accurate contact information for the owner. These are the subject of this complaint. 
Please note that in XXXX of 2014 - a letter from attorneys accompanying the service members relief and the notice itself do not mention the owner of the mortgage at all. 

Throughout the correspondence between us and the bank there are clearly other issues at play, including dual tracking, which was the subject of a previous complaint, and pyramid fees, refusal to provide cogent information about our payment records, abusive including calling us names, leaving strange hand-written notes on our door, and harassment that have caused distress and health issues. 

This bank clearly does n't understand the applicable laws in certain areas including the chain of title, subject of this complaint. 

If I have omitted any of the referenced correspondence please let me know and I will send it.
Consumer complaint received 2022-05-04
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. (PA)

Hello my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these charges. I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete as soon as possible. Please apply these laws to my accounts. The Fair Dept Collection Practices Act Law 111-203, title X, 124 stat. XXXX XXXX XXXX  ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )
Consumer complaint received 2022-05-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE 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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX XXXX - XX/XX/2023
Consumer complaint received 2022-05-04
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: CLGF Holdco 1, LLC (PA)

I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " FEB/DESTINY '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want all of these items deleted from my credit reports effective immediately I am attaching proof that the Equifax has admitted that I was, in fact, the victim of this data breach, and Equifax has done nothing, please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-03-04
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. (GA)

My car was broken into and my wallet got stolen with all my personal information. I contacted the credit agencies to inform them of incorrect and fraudulent information i noticed on my consumer report but they are still reporting these fraudulent accounts and addresses.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Klima, Peters & Daly, P.A. (MD)

I received a notification that I was being sued by Klima, Peters & Daly P.A. for a debt they claim is owed to XXXX XXXX supposedly on the behalf of XXXX XXXX XXXX. The hearing is scheduled for XX/XX/2022. On three separate occasions, I requested the documents listed below but the attorneys have failed to send them. I sent XXXX 's attorneys three written requests for this information ( one on XX/XX/XXXX, XXXX on XX/XX/XXXX, and one on XX/XX/XXXX ). I have the right as a consumer to request proof of the debts they say I owe to them or their client and proof that there is some contractual obligation that is binding me to pay these alleged debts to XXXX Funding and the right to defend myself when being wrongfully sued. 


1. Copy of the original signed credit application between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

2. Copies of all statements and correspondence sent from XXXX XXXX XXXX  XXXX. to XXXX XXXX unredacted. 

3. A signed Contract between XXXX XXXX and XXXX XXXX XXXX  XXXX. unredacted. 

4. Copy of the check that was cashed for purchase of this particular debt and this debt only.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc. (VA)

To Whom It May Concern : I am responding to your contact about a debt you are trying to collect. You contacted me by telephone on XX/XX/2022. 

Upon answering the call from your debt collector, I informed her I did not believe the information was accurate and that I would need additional information from CSII in order to personally verify the validity of the debt. I asked her to provide additional details via email and she refused. Instead of either offering to send me the details via mail or even over the telephone, she repeatedly attempted to get me to confirm the debt was mine, saying things like so youve confirmed the [ radiology debt ] is yours. I provided no such confirmation. Further, when I asked if she would please provide the details of the debt via email, she responded that there was an easier way to deal with the issue by just confirming the debt was mine. I also attempted to reach CSII by telephone to speak with a supervisor but was repeatedly placed on hold until the call would drop. 

While a clever attempt at deceptive debt collection practices, CSII is in violation of several state and federal laws, including the Fair Debt Collection Practices Act. As you should know, I have a right to ask for any verification of the debt you are attempting to collect from me. I have ccd the Consumer Financial Protection Bureau as well as the Texas Attorney Generals Consumer Protection Division, so they are aware of such behavior.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-09-06
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. (MO)

After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro XXXX compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per http : XXXX XXXX is that " XXXX is a web based metro 2 compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro 2 and the FCRA standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro 2. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I received a text message warning from Wells Fargo stating that my card had been declined at XXXX and to type Y if this charge is correct and XXXX if the charge was not authorized. I typed XXXX and was immediately called by an agent. The person verified my name and phone number, which is linked to my online account at Wells Fargo. The agent asked me to provide the credentials for my Wells Fargo XXXX account to prevent unauthorized XXXX transfers. Once the agent verified my information, they had me initiate 7 XXXX transactions, each for {$500.00}. The reason the person gave me was to reverse fraudulent XXXX transactions. The agent took {$3500.00} from my account. Simultaneously, I realized that I was speaking to an imposter bank representative, who was also asking for my routing number, and I hung up the phone. I immediately called Wells Fargo and spoke to a representative that started a claim for me and attempted to transfer me to the XXXX department and the wait time was over an hour. I spoke to the fraud department on XX/XX/2021 and the representative deemed the transaction authorized since the XXXX transfer had been sent to a XXXX XXXX XXXX with my name on that account. I have no association with the XXXX XXXX XXXX and do not have a XXXX account with XXXX XXXX. The person stole my identity and linked my name and cell phone number to their account. The XXXX website states Please note, you can only change your email address/U.S. mobile number to another email address/U.S. mobile number already on file with XXXX. Your checking account linked to your XXXX profile can only be changed to another eligible checking account linked to your XXXX or XXXX XXXX profile. I do not have a XXXX checking account. I contacted XXXX fraud department on XX/XX/2021 to report this fraudulent transaction. I filed a report with The XXXX XXXX Police Department on XXXX XXXX, citing identity thief. The imposter used my name and mobile number fraudulently on an account and the transaction is unauthorized due to this fraud.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I obtained an XXXX account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I do not know who this company is. they are fraudulently reporting a medical collection on my credit report, and I never gave them permissible purpose to report any of my information. Collection Bureau of Hudson Valley Inc are in violation of USC 1681b and I want them to be held accountable for their wrongful actions taken against me. I already sent them a letter in writing to requesting to remove it and they blatantly ignoreded.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences that would equate to the reporting of income. Remove these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX