davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2022 I was contacted via a phone call saying my XXXX XXXX bill was past due and that I needed to make a payment within 45 minutes because there was a crew on the way to shut it off. So, the guy proceeded to tell me I needed to download my banks mobile app and use XXXX from there. I did as I was asked, and made an initial payment of XXXX. He then said I did something wrong and to try again with a different amount so it didn't get flagged by my bank. So I made a payment of XXXX. This time he said I needed to put the " payment ID '' in just as he said it because it's case sensitive. So, i once again made a payment this time for XXXX. After that he said in order to process refunds on the 2 payments that weren't correct I needed to do the same process, so I did. In the amounts of XXXX and XXXX. Each time he gave me some " verification code '' thing to put in the notes. At no point was I asked for a pin, or digital signature from my bank. As soon as I realized I was scammed, which was about a half hour, I called my bank to stop payment on the charges, but was told they couldn't do that. There was no way to stop the charges. Then I was told since it was a third party app, and that I " authorized '' the payments that I wouldn't be covered by fraud protection. The " investigation '', which lasted less than a day before I was mailed a denial on dispute, was not an investigation at all. 

I spent some time reading the Electronic Funds Transfer Act and what happened to me is against federal law.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XXXX : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00}, XXXX XXXX XXXX Date XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}. Please delete immediately.
Consumer complaint received 2022-07-26
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. (TX)

A creditor is currently reporting incorrect information to Equifax, XXXX, and XXXX credit bureaus. I sent each credit bureau a letter on XX/XX/XXXX disputing the inaccuracies, however, their research into the disputed did not net the results I requested. I asked for original signed documents/applications associated with the account. I also spoke with the original creditor about the error but was ignored. The item shows up as XXXXXXXX XXXX XXXX on my Equifax report, account opened on XX/XX/XXXX ; the item shows up as XXXX on my XXXX report, account opened on XX/XX/XXXX ; and the item shows up as XXXXXXXX on my XXXX report, account opened on XX/XX/XXXX. The company is reporting inaccurate information, as my wife and I did open an account with these companies on XX/XX/XXXX. As such, I've requested signed documentation that XXXX and XXXX XXXX opened an account with each of these companies on XX/XX/XXXX.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I have a credit card account with ComenityXXXXXXXX/XXXX XXXX XXXX On XX/XX/2022, I attempted in the morning to make a payment on my All rewards ( XXXX XXXX  ). I tried paying by computer and I also tried calling the phone number on the back of the card, but the system was down. It allowed me to enter all my payment information, but then would say the system was down. I tried doing a live chat with a representative but did not get a response. The strange thing is, it accepted my payment, but days later and I never got a confirmation that it went through. I received my billing statement on XX/XX/2022 and they charged me a {$36.00} late fee!! I have now gone through previous statements and I noticed they have been charging me a late fee almost every month!!! I have literally been trying to reach this company by phone, computer, email anyway I can, but to no avail. I have waited on the phone for customer service and I literally get DISCONNECTED so that I can not talk to anyone in anyway to get this matter resolved and even to close my account. This is definetly fraudulent!!! I am just wanting to speak with someone and it seems it's impossible!! I have never had to do this, but I am very upset with this credit card company and will refuse to ever use this card again nor will I shop at XXXX or any of their affiliate stores EVER!
Consumer complaint received 2018-11-19
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. (WI)

I, XXXX ( XXXX ) XXXX, and my family ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) are victims of identity theft/fraud and other crimes that have been reported to the Federal Trade Commission as well as the FBI and Department of Justice. These crimes are pertaining to my brother, XXXX XXXX XXXX XXXX, who is a retired XXXX XXXX with the XXXX XXXX  Department, and our father, XXXX XXXX XXXX XXXX, who is missing and has been missing for over a year along with life insurance policies and other monies stolen. These criminals have also stolen the identities of our deceased mother, XXXX XXXX XXXX, and other family members ( deceased ) with the last names of XXXX and XXXX. These criminals have also committed bank fraud/theft, mail fraud, insurance fraud, property fraud, IRS fraud, cyber crimes and stalking, stalking and harassing, obstruction of justice, witness intimidation and threats, being held against our will, and other crimes. THEY HAVE ALSO IMPERSONATED XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, police officers, FBI AGENTS, journalists and all in order to have access/obtain classified information and impede investigations of these crimes! THEY HAVE ALSO STOLEN MY BROTHER 'S XXXX NUMBER AND IDENTITY TO COMMIT THESE CRIMES! I HAVE SUBMITTED THIS INFORMATION TO THE WISCONSIN FBI AND DOJ AS WELL AS LOCAL POLICE AND THE FEDERAL FBI AND DOJ FOR INVESTIGATION BUT HAVE NOT RECEIVED WORD! I HAVE ALSO SUBMITTED THE NAMES OF THE CRIMINALS INVOLVED TO THESE AGENCIES ( PLEASE CONTACT! ).
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint regarding the incorrect status on my account that has been reported by your institution to the credit bureaus. I have discovered that my credit report shows late payments on my account, which is inaccurate and unjustifiable. To make matters worse, each credit bureau shows a different delinquent status and wrong information. 

I have contacted your institution several times to address this issue, but to my dismay, I have not received any assistance or resolution to this problem. Despite my persistent efforts to seek clarification and have this issue rectified, I am still being disadvantaged by this error. 

I demand to be provided with all the proof of my investigation and the proof of the negative payment status for this account. If the negative information in this account can not be deleted, then it must be corrected immediately to reflect the true status of my account. 

As a responsible borrower, I have always made timely payments and have never missed any payments. Therefore, it is unfair to have my credit score and reputation tarnished by this incorrect information. The incorrect reporting has caused significant stress, anxiety, and financial hardship. I believe this error has negatively impacted my credit score and has disadvantaged me in securing future credit or financial opportunities. 

I am requesting that your institution and these credit bureaus take immediate action to correct this mistake and update the status of my account to reflect the correct information. I also expect written confirmation from your institution and the credit bureaus involved to acknowledge the correction. 

The attachment below shows all three credit bureaus showing wrong and different late payments status. 

I urge you to take this complaint seriously and take immediate action to rectify the situation. I hope to hear from you soon with a resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this complaint through the CFPB to inform the Credit Bureaus that they have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the fraudulent information on my Credit Report. I have been sending dispute letters to the Credit Bureaus from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my Personal Information. The items I am deputing resulted from the theft of my Identity and neither did I received anything in exchange nor benefits as the result of the Identity Theft. The Credit Bureaus are required to remove the items I am Disputing under the Fair Credit reporting Act section 605b, however, the Credit Bureaus have failed to do so. I am once again, requesting that the Credit Bureaus to immediately delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. CHILD SUPPORT ENF AGXXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I noticed this company on my credit report and took actions on getting this matter resolved without any resolution. Starting back in XX/XX/2017, I have reached out by certified letter asking for this company to verify by the two accounts they have on my credit report. The account numbers are : XXXX {$580.00} and XXXX {$490.00}. In said letter it stated that I had no knowledge of the contracts nor did I give permission to anyone to represent me to get said contracts. I requested that physical verification of the original contract and certified consumer contract that is wet ink signed. of any and all accounts that they requested to be posted to my credit report. ( FCRA Section 609 ( a ) ( 1 ) ( A ). Due to the fact that copies are not validation and by law are not considered proof, this company failed to even provide anything at all. Due to their lack of responsibility, these actions have adversely affecting my credit worthiness and as a result I am being denied due to their inaccurate reporting. I demand IMMEDIATE and PERMANENT removal of the two above mentioned accounts from all 3 credit bureaus and their data base.
Consumer complaint received 2018-11-20
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: Experian Information Solutions Inc. (CA)

This complaint is regarding the accounts XXXX   XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CO)

In XX/XX/2011, Wells Fargo Bank was awarded a civil judgment against XXXX XXXX and XXXX XXXX - two individuals residing in XXXX XXXX who had used my Social Security Number to obtain financial products and services with Wells Fargo. In other words, this is a wrongful civil judgment due to the aforementioned identity theft. I have attempted to resolve the matter with Wells Fargo, the Internal Revenue Service Taxpayer Advocate Service and the tax authority in XXXX XXXX - all to no avail. I have also fired two police reports in XXXX XXXX connected to XXXX and XXXX. 

Case Type : Liens/Judgement Type : CIVIL JUDGMENT Origin Filing Date : XX/XX/2011 Agency State : Info Pending ... 
Irs Serial Number : Info Pending ...

Origin Filing Number : XXXX Filings Number : Info Pending ... 
Amount : {$4500.00} Agency : WELLS BANK Agency County : XXXX, CA
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.
Consumer complaint received 2022-07-10
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. (CT)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-07-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}