davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: ENCORE CAPITAL GROUP INC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX 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 XXXXXXXX has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX JPMCB- CLOSED IN XXXX YET ITS STILL REPORTING
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Experian Violated the FCRA law. This has been on my report since 2007 XXXX XXXX account # XXXX they keep deleting it the putting it back on my credit report
Consumer complaint received 2018-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX {$240.00} XX/XX/2017 ( 1 yr ) This company has been calling and leaving remarks on my credit report. I have never signed anything or initiated business with this company.
Consumer complaint received 2023-03-27
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. (LA)

This company XXXX XXXX Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I am a widow and beneificiary of my deceased husband 's worker 's compensation claim. The Insurance company needs me to sign before a notary public of a " widow 's Affidavit ''. on XX/XX/year>, I walked to Webster bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The Brank manager refused to notarize the affidavit for me because she asked me " since your husband is dead, how can he file a worker 's compensation claim? '' I said as long as he is injured at workplace he can be claimant, no matter he is dead or not. I can show your the Judge 's Decision showing he is the claimant and I am the beneficiary as his widow. She said " I don't want to see it and how do I know you are his widow? '' Then she pointed at my husband 's last name- a XXXX XXXX Name and pointed at my name- a typical XXXX name. I said I can show you the court paper, the death certificate and our marriage certificate. She said " I dont want to see them ''. Then she said " you are not legal and this paper is not legal. '' very loud and in front of everyone. I walked home and brought all the legal papers to her to show the affidavit is legal. She said I need to send all these to " legal ''. I told her I am a notary public myself and the notary rule is 1, physical present 2, valid ID and 3 Competent and capacity to sign. 
She said " you are not competent '' I ask her why I am not competent? I am not stupid or XXXX. She is " because I can't even pronouce your name. '' I thought the reason she refused to notary for me because I don't have an account in Webster bank and I happenly need to open one. since I was in a bank I said " can I open a bank account ''? She said " no. 
We can't open a bank account for you. I can't even read your name. If you don't leave now I will call the police. " I had to ask all my papers back and leave the bank. She said she only gave me back the originals not the copies. I said " if you are not doing the notary for me why do you need to keep the copies? '' then she threw all the papers back to me. I had to pick them up one by one. When I came back home, I noticed one of the very important court order was missing. I went back with police and she said she didn't have it. I lost the valuable court order forever. 
But the reason she KEPT my origianl court documents is very suspicious. It is a very important case law which set up COVID DEATH CLAIM in Workers compensation Board. It has sensitive documents. I am very concern this document will be abused.
Consumer complaint received 2022-07-27
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, XXXX XXXXT XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish your act without my written instructions.
Consumer complaint received 2022-08-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL (FL)

Previously i opened several ira cds at Synchrony bank. Im in the process of transferring funds to open more with them. However, I just noticed their advertised IRA CD APYs have an asterisk that says " *This is the annual rate of return that you expect from your savings and investments during retirement. This calculation assumes a 010 % annual rate of return ( depending on your selection ) on your savings. '' Ive asked " what does that mean '' thru their secure message system after logging in and Ive been refused a written response. 

Please have them email me or secure message me and tell me what that means in writing. 

Thanks, XXXX
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-09-06
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. (KS)

Equifax and XXXX  are incorrectly reporting a collection in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 26 attached from my credit report. ) This account was opened without my consent or knowledge. I did not give permission for this account to be opened and I did not sign any documents on this account. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (TX)

On last year my son took sick which he was playing half of the bills with me so once he took sick and i had to take over i got behind and one thing after another he passed and i literally lost my mind, and during that time i i didnt know where i were, they came and pick up my car, so now that Im putting my piece together i need a car to start back working, and its hard because of the repo, i didnt hear both from the company until i seen on my credit how much they sold it for, i ask was it anything they can do i was told it was sold and they sorry for my lost, so now Im stuck with no car and repo on my credit that happen during a bad time in my life the death of my son
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (CT)

I'm desperately trying to resolve my balances for a few credit cards with Indigo Credit Card. THE ACCOUNT IS UNDER THE NAME XXXX XXXX. 
I've always been current and the account is now closed. I am low income and struggling to make ends meet and want to achieve good credit again. I am seeing if this agency can negotiate with this credit card company to reduce half of the balance owed on the account. I am more than happy to pay this amount and it would truly help me get back on top of finances and earning a good credit score for the future. I appreciate any help you can offer. Thank you. Please reduce the balance in half as I am more than happy to pay this amount. - Please see my attached and recent -Credit Card Statement from Indigo Credit Card .
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, MI XXXX. 

The correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. The INCORRECT addresses should be deleted from my consumer report. 
I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eagle Recovery Associates, Inc. (IL)

I was called with an attempt to collect a debt from XX/XX/XXXX. The debt collector confrimed my name and asked if my address was still XXXX XXXX XXXX XXXX XXXX. I let her know this was not correct as I moved in XXXX the collector explained I owe over {$300.00} to XXXX XXXX XXXX  from a contract. I let her know that I was not aware of this debt and I believe this had all been settled many years ago. I asked for validation of the debt which she refused to provide. I repeatedly tried to let her know that I had not lived at the address provided at the time of the supposed debt and that I had no knowledge and required validation. Again she refused, I let her know that I was not acknowledging the debt but would pay if it was validated as true debt. She took my current address and said she would mark it as refusal and hung up.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

I went to open an account with Wells Fargo to deposit $ XXXX. I am a minority and I was opening a new account. The account I was eligible for was the prime with a deposit of $ XXXX and more, that account allows customers to build wealth, gain over time for being a customer there is a percentage the account holder get. Wells Fargo system denied me without hesitations and valid reason .in their system it said i was not eligible which is false .They said they were going to mail the letter as well, I received any. They only allowed me to open an account with clear access, as if all I needed to do was spend my money and not get investment for it. The only thing I received in the mail was the debit card for clear access checking account.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I sent the first verified letter disputing information on my report. The request was accepted. 

On XX/XX/XXXX, I sent my second letter asking for a method of verification. The letter had the same document form the previously accepted letter. This time, I was sent a letter saying they thought I was a third party ( it says that I am sending this on my own ), I spoke with Transunion on the phone. They stated they could not tell my why this happened. They would start a new dispute instead of the dispute received on the XXXX of XXXX.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX Balance Owed : {$17000.00}, I believe it was reporting in error.
Consumer complaint received 2023-06-10
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 am interested in processing disputes on my credit report to help delete an remove all inaccurate information that is hindering my file an is invalid on my credit report. this has been an ongoing issue that needs to be resolved. this is my 2nd attempt to prompt to delete all data listed. please review an check the data to delete all inaccurate information asap.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was a PayPal account user back in XX/XX/XXXX they limited my account and held my remaining funds amount XXXX they said it will be held for 180 days and let me withdraw my remaining balance after 180 days. And right now I have just a week to the 180 days so I decided to login to my account to see unfortunately PayPal has emptied my account to XXXX. They took/transfer all my money to themself they illegally took my money behind my back the money is my life.. and left a note in which I took the screenshot of the receipt of their dubious transaction. Please I want my money back. The email on my account is XXXX PayPal XX/XX/2024. Transfer Paid with PayPal balance Transaction ID XXXX Seller info PayPal Note PayPal loss recovery -.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MN)

The following information currently showing and listed on my Early Warning Comprehensive File Disclosure Consumer ID : XXXX isnt my bank account or inquiries : XXXX, XXXX  Routing Number : XXXX, Bank Account Number : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Bank Account Number : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Bank Account Number : 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 and XXXX XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (CA)

I am appalled by the Credit Burueas ' ability to ignore a consumer requests for investigation and removal of the the items on my Credit Report despite the multiple letters I have been sendiong to them! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Personal Information such as Driver 's license and SSN. I also attached the ID THEFT REPORT I have received from the FTC to prove to the Credit Bureaus that I am a victim of Identity theft. But despite all my efforts to and these attachents, I came to a conclusion that the Credit Burueaus are stubborn enough to not comply with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as an items incurred due to Identity Theft. I am submitting this complaitn through the CFPB to excerciseand protect my rights under the FCRA regulations. If the Credit Bureuas chose not to comply with the FCRA and keep on ignoring my letters, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for their incompetence and negligence. I need the following items removed as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2017-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (LA)

I woke up this morning and had an alert from XXXX that chase had run my credit and placed an inquiry on my report today XXXX when in fact I never applied for a card. Please look into this and ask chase what the address was that was used. I did not ask chase to run my social. This is fraudulent.