davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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)

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 the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do 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 these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each item is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they 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 2020-11-08
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. (GA)

I want to dispute the following 3 fraudulent accounts listed on my credit report. XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX, I have contacted these creditors for more information to no avail. I have filed an FTC IDENTITY THEFT REPORT because I have never had or open these accounts. The report number is XXXX. I have attached the Identity Theft Report for your review. Please remove these fraudulent accounts from my credit file.
Consumer complaint received 2022-02-02
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank I pay my rent through bill bay, however, back in XXXX the check was intercepted and someone washed my landlord 's name from the check and inserted their name. It has been over 4 months now and I recently received a letter stating the case has been closed because the other bank " XXXX XXXX XXXXXXXX '' has not responded. The amount due to me is {$2200.00}. I believe being a " Chase Private Client '' they should take care of their clients. The bank should have covered the amount as the check was sent from Chase, then follow up with XXXX XXXX XXXXXXXX.
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

PHH Mortgage is subpar when it comes to making payments on a mortgage. The back office people take forever to pull up account after being on gold for XXXX minutes. When I thought I was enrolled in a XX/XX/XXXXprogram they tell me I'm not and need to make a payment. I make said payment and then have funds drawn out. So XXXX payments have been made and now my bank account that pays semi-monthly is overdrawn getting fees- all because of this sub-par communication from sub-par company.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2020 I sent LVNV Funding LLC a letter requesting validation of debt LVNV Funding LLC claims i owe to them. On XX/XX/2020 i received an itemized list of alleged charges they claim I owe to them. As of XX/XX/2020 LVNV Funding LLC is still reporting these collections on my credit report, which is considered to be a collection activity. LVNV Funding LLC is now in violation of FDCPA and are subject to fines.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer repor
ting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consum
er report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

When opening the account, was drawn to the promise of 3x points on travel purchases. While using the card for a few purchases with XXXX ( a large, vacation rental marketplace ) this year, I noticed I wasn't receiving 3x points, but rather 1x. While using the card for a similar service called XXXX, I did receive 3x points. I called on XX/XX/XXXX to rectify, but was told by an agent there was nothing she could do. Here are the dates : XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$280.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$190.00} In total, missing 4,471 points, which has a monetary value of XXXX {$44.00}.
Consumer complaint received 2020-11-08
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. 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 someone else.
Consumer complaint received 2020-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. 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 someone else.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc. (MA)

Moneylion has been reporting monthly erroneous account balance as delinquent for over 24 cycles. I have attempted to dispute with all three credit bureaus but with limited to no change. 

How can one account be charged off every month ( 24 times ) and remain closed? The apparent history of this account if fabricated and entirely not authorized by me. 

I never agreed to a loan or to any terms or payments. This is not only inaccurate, but predatory to report monthly charge offs to falsely pull down credit scores Reporting 24 charge offs on XXXX 7 charge offs on XXXX! 
XXXX was finally recently removed This account was never opened by me and likely part of my data that was stolen in XXXX  breach. I have reported this and attempted to contact moneylion to remove these monthly deliquent late payments as well as the entire account and history. 

Im not sure what information they have that apparently confirms its validity, but I have never opened an account with them or taken any kind of loan. Likely stolen information was used from my identity. 

Please confirm that this entire account is removed in entirety across all three credit bureaus due to identity theft and unauthorized account creation. 

Thank you XXXX XXXX
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XX/XX/2020 at about XXXX I went to a Bank of America ATM to withdraw {$450.00} cash. The ATM said my transaction had been canceled and did not give me any of the money. I even took a picture of the ATM screen that i have attached here. 
I checked my bank account to find that {$450.00} has still shown being withdrawn. I immediately called and filed a dispute while still in the bank parking lot and they temporarily credited me {$450.00}. 
Today I received a letter saying the dispute was not resolved in my favor, and the {$450.00} temporary credit was being taken back away from me. I can clearly be seen on camera at the ATM not receiving my funds and theres XXXX reason the credit should be taken back from me when Im CLEARLY on camera not getting my cash!!!!! This is the second or third issue i have had with disputing something with this bank and Ive been with them 19 years. I will be closing my account and going elsewhere but in the mean time, someone should be notified of thier terrible service and withholding my funds.
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IA)

I am a Federally Protected Consumer I know I have rights. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract and I never gave my consent to have nonaffiliated third party collections to be in possession of my non public personal information. This is a notice to cease and desist communication and reporting of false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts obtaining as non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. 
There is not even any original creditor information or third party information pertaining to this false credit information other than XXXX XXXX XXXX XXXXXXXX SO WHO ARE THE ORIGINAL CREDITORS? HOW IS THIS INCOMPLETE AND INNACCURATE INFORMATION STILL BEING REPORTED MONTH AFTER MONTH ON MY CREDIT REPORT? Therefore I have strong reason to believe that Equifax and who ever these mysterious creditors that are telling Equifax to furnish this false credit information are both conspiring to collect on extension through unlawful extortionate means. By putting this alleged debt on my credit report your damaging my credit worthiness. DELETE THIS FALSE CREDIT INFORMATION OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED. The collection of this extension of credit would be a violation of false claims act. Remove this false credit information from my credit reports immediately.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep frustration and disappointment with the useless response received from TransUnion regarding my request to block erroneous fraud accounts on my credit report. Your denial lacks a valid explanation and verification of material facts, which violates the law. It is unacceptable that TransUnion has failed to provide adequate justification for denying my request. As a consumer, I have the right to dispute inaccurate information on my credit report, especially when it pertains to fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: TRUIST FINANCIAL CORPORATION (KY)

This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, XXXX, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I am writing this complaint as a result of excess charges to my account without disclosure or explanation. 

As of XX/XX/XXXX, my account balance reflects a negative balance of {$91.00}. However, as of XX/XX/XXXX, I had a positive balance XXXX. I decided to make a purchase of {$25.00} and transferred {$21.00} from my savings account to cover this {$25.00}. Please see the screenshot of the account. I had {$470.00} in pending holds, and {$470.00} on my balance resulting in a balance of {$2.00} after my {$25.00} purchase. 

There is no reason why my account should be overdrawn {$91.00} the next day if the Citizens bank provided the proper balance information before, during, and after my purchases. I check my balance regularly to ensure that I have funds to cover my purchases. This seems like an attempt to collect excess overdraft fees.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

hello my name is XXXX XXXX i been disputeing XXXX XXXX from my credit report for months i do not owe XXXX XXXX  any money they are also reporting the collection to times on my equifax report. this is against fcra laws. 

delete off my credit report asap
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

hello my name XXXX XXXX and i been disputing midland funding account number XXXX balance XXXX I dont have a contract with this money and i dont owe this company any money i request midland to delete this account from my credit report. 

please delete this account off my credit report
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (TN)

Last year, a company called XXXX started auto debiting my account once a month for {$140.00}. I have complained about this four times to Truist. Each time a case was opened, I received full or partial repayment, and a new debit card was issued. Today I found a new auto debit from the same company and I was unable to get Truist Fraud Prevention to listen to me. I was cut off from my first phone call and left on hold each time I tried to call back. 

I have never, ever interfaced with XXXX nor have I ever received goods or services from them. I am complaining to you because Truist keeps failing to stop this and now they wont even allow me to talk to them.
Consumer complaint received 2020-11-08
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: ERC (IL)

I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.
Consumer complaint received 2020-11-08
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: National Credit Adjusters, LLC (IL)

I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX  and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.