davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
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)

My address is not correct which might be happened as previous resident who has same last name with me moved out two family house after I moved in my current address. Please help me to correct my current address at all credit report. This incorrect address might be forwarded to many company and they updated my address incorrectly.
Consumer complaint received 2018-02-21
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: BARCLAYS BANK DELAWARE (MA)

I purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX  but know one responds, no responds from customer service either.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

I dispute your reporting of an alleged debt on my credit report. I deny the date of the alleged debt, and I am not admitting to it. Additionally, you are re-aging the debt on my credit report, and your accounting of the alleged debt is inaccurate. 

The alleged debt was sold to a third party and I successfully defended myself in court against the third party for lack of assignment and inaccurate accounting. Additionally, the statute of limitations ( SOL ) has passed, and the debt is no longer legally enforceable. 

Your continued reporting of the alleged debt is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my creditworthiness. The FCRA prohibits the reporting of inaccurate information and requires that accurate information be promptly updated or deleted. 

I demand that you immediately cease reporting the alleged debt on my credit report and remove any inaccurate or incomplete information associated with the debt. If you can not provide proof of the alleged debt or the accuracy of your reporting, I demand that you remove the account entirely. 

I also demand that you cease all communication with me and third parties. 

See 15 U.S. Code 1681 ; 15 U.S. Code 1681c ; 15 U.S. Code 1681s-2
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Unfair Practice and Garnishment of Wages Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. for unfair practices related to a disputed account that has resulted in the garnishment of my wages. 

I recently discovered that LVNV FUNDING LLC, in conjunction with XXXX XXXX XXXX  XXXX, has initiated garnishment proceedings against my wages for an alleged debt that does not belong to me. The account in question, with the account number XXXX, was opened on XX/XX/XXXX, without my knowledge or consent. 

Despite my repeated attempts to dispute the validity of this debt in the past, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. have continued to pursue collection efforts and have now resorted to garnishing my wages. It is worth noting that the reported amount of the debt is {$1000.00}, yet the garnishment sum taken from my paycheck is {$1000.00}, which further adds to the unfairness of this situation. 

I believe that LVNV FUNDING LLC and XXXX XXXX XXXX  XXXX. have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws by engaging in these unfair and deceptive practices. Specifically, their actions constitute : Failure to provide adequate verification of the debt despite previous disputes. 
Garnishing wages for a debt that has not been verified or proven to be valid. 
Falsely reporting the debt amount, leading to an incorrect garnishment sum. 

I am seeking your assistance in resolving this matter and ensuring that my rights are protected. I request that LVNV FUNDING LLC and XXXX XXXX XXXX  XXXX. cease all collection activities immediately and release the garnishment on my wages until the validity of the debt is properly verified. 

Furthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. for their unfair and unlawful practicesXXXX XXXX XXXX Enclosed with this letter are copies of relevant documents, including previous dispute communications and evidence of the garnishment proceedings. I have recorded conversations with the agencies where inaccurate information was claimed to have been provided, and I am willing to provide the audio recordings if necessary. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I believe my former employer had people apply for credit cards with 6 different companies that did Hard Inquiries at the three major credit bureaus. 
After contacting the six companies they all agreed I was a victim of a fraudulent application and notified the 3 Credit Bureaus to remove the Hard Inquiries from my credit report. They all did except Transunion who will not remove the hard inquiries even after being notified by the requestor they were fraudulent applications. I personally requested Transunion remove the following Hard Inquiries filed by : XXXX XXXX on XX/XX/22 and XXXX XXXX on XX/XX/22. Both companies claimed to have contacted Transunion to remove hard inquiry. 
Transunion just keeps bumping the solution date for another 30 days even though the requestor has identified the requests as fraudulent.
Consumer complaint received 2023-01-04
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. (LA)

Hello, My name is XXXX XXXX XXXX. 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 theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi there, I sent a identity theft packet, that included letters of the listed accts to Transunion. I sent my report with all items marked off included in the identity theft. I filed a Identity theft report to identitytheft.gov and also sent a copy of 605 b which clearly states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I spoke w/ XXXX from Transunion and spoke w/ XXXX who advised the dispute will be completed by XX/XX/XXXX, I advised him of the timeframe and blocking those details in which he advised he received the documents on XX/XX/2020 which means the information should be blocked by now
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX. I reported fraudulent charges of {$690.00} found on my credit report to Capital One about XX/XX/year>. 
XXXX. Capital One sent me a letter dated XX/XX/year> stating they have signed documents dated prior to my fraud claim and that I will be responsible for the charges.
Consumer complaint received 2024-02-07
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)

THIS BACK AND FORTH GOES BACK TO XXXX. I'VE BEEN DISPUTING DIRECTLY THROUGH EQUIFAX AND CFPB, EACH TIME THROUGH CFPB THE DISPUTE HAS DEFAULTED TO CLOSE DUE TO OVER 30 DAYS OPEN AND THEN ON THE BACKEND, I RECEIVE A LETTER IN THE MAIL FROM EQUIFAX STATING, AND I QUOTE " WE HAVE RECEIVED YOUR REQUEST CONCERNING INACCURATE INFORMATION ON YOUR EQUIFAX CREDIT FILE. BECAUSE THE INFORMATION YOU PROVIDED AS PROOF OF YOUR IDENTITY DOES NOT MATCH THE INFORMATION, WE CURRENTLY HAVE ON YOUR CREDIT FILE, WE ASK THAT YOU SEND US A COPY OF TWO DIFFERENT ITEMS ''. I'VE SENT IN A COPY OF MY SOCIAL SECURITY CARD AND DRIVERS LICENSE MULTIPLE TIMES DIRECTLY THROUGH CFPB AND CERTIFIED MAIL. EACH TIME I DSIPUTE, THIS IS THE SAME RESPONSE I GET. SO, IF THEY ARE UNABLE TO IDENTIFY ME, HOW IS IT THAT YOU'RE ALLOWING FALSE INFORMATION TO BE ON MY REPORT. THIS HAS AFFECTED ME DRASTICALLY. HERE ARE A FEW LETTERHEAD DATES I RECEIVED SUCH RESPONSE, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX.
Consumer complaint received 2021-12-01
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Consumer complaint received 2023-03-21
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. (GA)

Experian, XXXX XXXX, XXXX XXXX accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX and XXXX XXXX XXXX. both opened in XXXX  ive tried disputing them over and over again. my only option after this is taking it to court.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

Sequium ( XXXX ) added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( XXXXl ) ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium ( XXXX  ) a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium ( XXXX ) first broke the law by failing to provide any notice before it was added to my credit. Sequium ( XXXX ) continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium ( XXXX ) has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service. The phone number listed for the company does not work. The voicemail has been full for months. Per the last communication this was to be removed from my credit.
Consumer complaint received 2020-05-11
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (TX)

What happened was I bought the home in i think 2001 and paid my house up in full for 5 years and when the hud program was to make the payment of the {$10000.00}, wells fargo foreclosed on me because i had told them i was looking for a new job, and if i could refinance the property because the program had just paid the {$10000.00} for my house and this was thru the section 8 program, and before that I had bought my house through cant remember the builder, but they sold my lean to the house to wells fargo with an assage on the loan, when i found what that was the had foreclosed on the house, told me and told me i had to be out of the house in 5 days exact, they sent a constable out to put me and my children out, and were became a homeless family. Wells Fargo would not work with me in any kind of way, I sent in all kinds of paper work asking them not too, but they said they couldnt help and had us put out. I lost everything. They even took my car because they said i did not have insurence on the car when clearly it was, and if you will you will see where they sent me a check for the car of only XXXX dollars ( XXXX ) and I sent the check back, they wanted me to pay them {$10000.00} for the car, and i refused because the sold car for {$1500.00}, and they did not have the right to take my car, my payments were up to date. I really think I am owed for my house and car, this bank knows they owe me but will not send me what they owe me and what they owe hud, and so yes i want to complain Wells Fargo made my kids and I homeless and hud and section 8 will not take my application anymore due to this bank and or company taking my house, less know my car for insurence, totally put my kids in I in the streets for no reason at all. I just want what they owe me and section 8. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-20
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. (SC)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (PA)

I opened a business credit card for my company XXXX years ago with PNC BANK with a 21.99 % interest rate with the promise of an increase in credit amount and a interest rate reduction after making on time payments after XXXX year. 
My company as made all payments on time and has also requested an increase in credit limit. We were declined an increase in credit with no explanation. When trying to make payments online through their mobile app there was often problems with the mobile app where i had to call PNC BANK an speak to a representative to get the bill paid. I was told by each representative that this will not be a problem in the future. 
It is a constant problem when trying to conduct business when making payments and purchases.
Consumer complaint received 2019-07-08
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: Experian Information Solutions Inc. (PA)

I am submitting this complaint against, XXXX XXXX for re-reaging a debt, through false reporting of information to Credit Reporting Agencies.. According to Experian 's information contained in my credit report as of XX/XX/XXXX : XXXX XXXX reports on Experian : Account opened in XX/XX/XXXX Balance : XXXX Balance Updated : XX/XX/XXXX ( It should be noted, no payment has ever been made on this debt, after XX/XX/XXXX ) This was an account XXXX XXXX purchased from XXXX XXXX XXXX. The original account was written off. Below are the basic details of the original account as reported by Experian. 

Original Credit card account details : Creditor : XXXX  XXXX XXXX Account Opened : XX/XX/XXXX Balance : XXXX Last Payment made : XX/XX/XXXX Current Status : Written off/Closed This information confirms that XXXX XXXX purchased a debt from XXXX XXXX XXXX, which had been established as Charged off. XXXX XXXX then re-aged this debt, by reporting to the Credit Reporting Agencies during XX/XX/XXXX, that this debt was opened on XX/XX/XXXX. 
This is beyond the 6 month period between the last payment made and the account being charged off ; Furthermore, according to the original debt holder, XXXX XXXX XXXX XXXX own reporting shows this account was not written off and closed until XXXX, after the date XXXX XXXX claims the debt began. 

This will cause the debt to remain on my credit report beyond 7 and a half years, possibly longer as XXXX XXXX seems to continue to report updates to the balance and has already increased the original balance of the debt from XXXX as reported by XXXX XXXX XXXX, to XXXX.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX AND 2 CREDIT BUREAUS, XXXX AND TRANSUNION KEEP REPORTING OUTDATED NEGATIVE INFORMATION ON MY CREDIT REPORTS. I TALKED TO XXXX XXXX XXXX AND THEY TOLD ME THAT THE CREDIT BUREAUS ARE RESPONSIBLE FOR REMOVING THIS INCORRECT INFORMATION. 
THE CREDIT BUREAUS TOLD ME THAT THE BANK IS RESPONSIBLE FOR REMOVING THE OUTDATED INFORMATION.? WHO IS CORRECT?? PLEASE HELP ME RESOLVE THIS MATTER. THE ACCOUNT IS OVER 7 YEARS OLD!! 
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