davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these : 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 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Consumer complaint received 2023-03-27
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: Everi Payments Inc. (WA)

On XX/XX/XXXX I used two separate ATMs, and both times my card did not eject from the machine and had to be manually retrieved. Both times the screen on the ATM read : " error/card not taken, account with not be charged ''. I've used these same machines several times with the same card in the past with no issues. My checking account was debited both times, each amount was {$500.00}, for a total of {$1100.00}. I never received any money. I've contacted the ATM provider, EVERI, provided the location, date, exact time, first 6 and last 4 of the card number, and amount of transactions. I was told they couldn't find anything that matched and I needed to give them my card number in it's entirety. I don't feel this is necessary, Im not comfortable giving them this information. My card issuer, cash app, has started a dispute, but tell me it could be 55 days before it's resolved. I've received a provisional credit of {$5.00} for the ATM fees and that's it. I need my money back!
Consumer complaint received 2023-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, XXXX of their third-party XXXX did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (VA)

In XX/XX/XXXX, I gave 60 days notice to XXXX XXXX at XXXXXXXX XXXX XXXX that I would not be renewing my lease upon expiration on XX/XX/XXXX. I moved to my new house in XX/XX/XXXX, and continued to pay rent in my vacant apartment through lease expiration. A scheduled walkthrough was performed on XX/XX/XXXX with the maintenance manager, and the only damage he noted was the replacement of the stove 's drip pans for {$15.00}. I signed paperwork to be billed the {$59.00} carpet cleaning fee and turned in my keys. In XX/XX/XXXX, the property manager sent me a nondescript photo of carpet padding with a wet stain and an invoice showing my deposit was withheld and a {$280.00} charge towards the cost for replacing all of the carpet in a XXXX XXXX sq ft apartment. Since that time, I have disputed my deposit being wrongfully withheld with management and XXXX. They have chosen to not resolve this issue, therefore, I advised them that I would be taking legal action. I received a notice from XXXX  that my credit score dropped 30 points. Hunter Warfield, a collection agency in Florida who has never contacted me, or made any attempt to collect, or given me an opportunity to dispute such debt, has reported this to the credit bureau and ruined my credit, even though I am the one owed money. I have photos and videos that shows the apartment was left in pristine condition. Notably, I was never charged the {$15.00} for the drip pans, although my photos show they were tarnished and unusable for a new tenant. This was an act of retaliation and in violation of FDCPA.
Consumer complaint received 2022-12-15
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. (OH)

On about XXXX XXXX  I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from Experian, XXXX and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I received a notice of a civil action lawsuit from our constable today for {$820.00} + fees of XXXX. I wasn't even sure what this was for, apparently it was for target. i didn't even remember this debt. I contacted the company listed, Weltman , Weinberg & Reis Co. , L.P.A . I was told that they sent me 2 letters and 1 call. When I said I didn't get any letter I was told they were sent 1 in XX/XX/2020 and 1 in XX/XX/2020. So 2 letters were sent in 2020 over 13 months ago and the next step is a lawsuit? next step is a lawsuit after shutting down from a pandemic? I dont even remember seeing these. This is a disgusting practice. I spoke with their attorney, XXXX XXXX XXXX ( ( XXXX XXXX XXXX ) ), who very confidently informed me that letters were sent. I am assuming that the company halted civil action lawsuits for a period during the pandemic, but then just file a lawsuit with no new notice??
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit, Inc (FL)

They were supposed to remove. I went to Audi they said it was applied wrong and then when I sold them back card they didnt pay it off for 57 days. 

They said they would remove
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (AR)

I noticed that I have a collection on my credit report so I reached out by phone to the collections agency to get verification of the debt. They refused to send a letter out and continually asked me for PII that I refuse to provide since I am unsure if this debt is even mine and am concerned they are gathering information in order to try and tie a debt to me that I do not actually owe.
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: EQUIFAX, INC. (MD)

in accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. XXXX XXXX XXXX XXXX : {$1600.00} ; If XXXX and TransUnion feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-07-22
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: TRANSWORLD SYSTEMS INC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-09-26
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. (KY)

After doing several disputes with Experian, and XXXX  I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my permanent address XXXX XXXX XXXX XXXX XXXX Kentucky XXXX
Consumer complaint received 2019-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

A double payment from my chase debt cart to chase credit card posted. They wont refund only put in a request and will be 3-5 days before refunded. That money was for from now until Tuesday when I get paid and that required me to pay them {$30.00} fee to stop a pending bill payment to another payee so I atleast have {$200.00} at midnight
Consumer complaint received 2019-09-30
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. (MI)

Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, XXXX & Experian ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI
Consumer complaint received 2021-07-22
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$8700.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.
Consumer complaint received 2019-09-27
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. (CA)

XXXX XXXX XXXX i didnt open no credit card no bank account no credit in stores my ex girl friend stoled my id my ssn and all my info besides i calledto evvery biller and they still had the accounts open. XXXX
Consumer complaint received 2021-06-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I mailed XXXX on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.
Consumer complaint received 2021-07-22
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: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax, XXXX, and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30-day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' which I have disputed.

Each of the above-mentioned credit reporting agencies has : 1 ) provided inadequate phone help 2 ) failed to reinvestigate disputed information 3 ) improperly conducted reinvestigation of disputed item 4 ) provided inadequate information 5 ) provided outdated information Please resolve this manner as possible. Thank You.
Consumer complaint received 2023-02-10
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. (CA)

I gathered the supporting document that trans union wanted to see. I had submitted with the a certified mail tracking number with returned receipt on XXXX XXXX XXXX this was last year. I have never heard back from trans union on investigating the obvious inaccurate and incomplete item entered on my trans union consumer report. not only is the credit limit inaccurate, the payment history for XX/XX/2022 is incomplete. the remark section was never marked as " consumer disputes this account '' Its been more than 60days and nothing. FCRA clearly says that everything on my consumer report must be 100 percent complete,100 % accurate and 100 % verifiable.. I have attached the document from XXXX XXXX XXXX XXXX XXXX XXXX that shows the correct credit limit of {$520.00} and the balance owed of {$210.00} 15 U.S. Code 1681e - Compliance procedures ( 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 2015-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I got an email with a credit report alert. I logged in to XXXX XXXX and it showed a collection had been turned in saying I owed. It lowered my score and upset me badly! I knew I pd this so I looked at my credit card summary to be certain, and it had pd it. It was in XXXX. I called central XXXX and left a message. They called me and appologized saying they did n't know how that got sent out! I told her I 've always had excellent credit and was very upset. She assured me she would contact the agency and get it taken care of. It 's still on my report after 3 weeks. I am in the process of purchasing a new vehicle and this error is affecting my interest rate! Due to XXXX I am going through a lot of emotional and physical issues and I do not need this added to this. My credit standing is very important to me. Please help me get this fixed so my score goes back up into the XXXX! Thank you and have a blesse da! XXXX XXXX
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Macy 's reported a late payment to Credit Bureau even though I've been on auto-pay for the post 10yrs+. 

Called multiple time and getting the run-around.