davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and TransUnion reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies XXXX 
I have attached a screen shot of my payment history from my XXXX XXXX XXXX account.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/21 I transferred {$35000.00} from Chase bank to XXXX XXXX XXXXXXXX intending to purchase a XXXX XXXX that turned out to be a fraudulent scam operation. The fraudulent opportunity was marketed by XXXX XXXX XXXX, XXXX XXXX listed as the principal agent. JP Morgan Chase and XXXX  XXXX XXXX have refused to offer any remedy to the situation.
Consumer complaint received 2021-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2015-10-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (VA)

I received a letter from EXPERIAN dated XXXX/XXXX/15 notifying me that my Credit Report was purchased by a company called XXXX, XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX and that this company bought it to resale to a source called XXXX. 
I am asking that this be investigated as l have a security freeze on my credit reports with all 3 credit reporting agencies. 

SignedXXXX XXXX
Consumer complaint received 2023-04-16
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. (AZ)

n accordance with the Fair Credit Reporting act XXXX Account Name 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 a account without my written instructions This debt has been charged off, income IS NOT supposed to be reported on credit. This account is considered income.
Consumer complaint received 2022-09-07
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)

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ERC (FL)

ERC ( Enhanced Recovery Corp ) Have placed XXXX Accounts On My credit Report in the amounts if {$230.00}, {>= $1,000,000} XXXX who are which with the same company ( XXXX ) and yet have different dates and account which is not valid also there is another XXXX from ( XXXX ) I need tis information remove from my credit report for this is not my debt and they should maintain complete and accurate information on consumer reports I demand these accounts to be remove from my credit report.
Consumer complaint received 2023-04-16
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. (NY)

While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Child Support Recovery Services, Inc. (MD)

This is a request for proof of contract to substantiate CSRS claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If you can not provide me with a copy of MY signature on a contract, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. 

I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2017-04-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I have an unverified account from ARS ACCOUNT RESOLUTION. I had previously disputed this account. I have never done business with ARS ACCOUNT RESOLUTION. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ARS ACCOUNT RESOLUTION provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ARS ACCOUNT RESOLUTION Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diverse Funding Associates LLC (NJ)

Sent request fo rfull medial validation within 30 days of receiving dunning letter which included requesting only written correspondence no phone calls. Checked with department of the treasury Division for Revenue and Business Enterprise on XX/XX/2016 and was informed that Diverse Funding Associates does not have a collection agency bond or license to collect in the state of New Jersey. They are illegally attempting to collect on a debt which is in violation of NJ Law. Informed company in writing via certified mail they are illegally attempting to collect. Did not provide full media validation as requested
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Today, XXXX/XXXX/2015, After trying to contact Bank of America to inquire about 3 consecutive overdraft fees of {$35.00} each that occur on XXXX/XXXX/2015, I could not get this issue resolved. I waited for over an hour to speak to a representative, he seem to not understand XXXX XXXX XXXX that 3 consecutive overdraft fees were assessed while I still had funds available in my account even after 3 payments/transactions that posted onto my account. He kept referencing the overdraft fees to a payment that happened when I still had funds available, but was not making any sense. I, then demanded to speak to one of the supervisors, XXXX XXXX XXXX, and was impolitely addressed to, while I believe her current position was not that of a supervisor due to her rude demeanor. I have been banking with Bank of America for a long time to know that when an overdraft fee is assessed, it is always when a transaction has posted to the account and your balance goes in the negative, not while transactions are in process or pending. I am very unsatisfied with the customer service and I believe this practice is very corrupt. It is very clear where the 3 transactions posted to my account and I was assessed overdraft fees of {$35.00} for each one, while still having funds available and my account not going into the negative/overdraft. In reality, the only transaction which would have caused me to go overdraft would have been the transaction that is " processing '' in the amount of {$190.00} which has not even posted to my account. I have included a screen shot to support my explanation. I demand to have this issue resolved and the overdraft fees refunded for this unfair practice.
Consumer complaint received 2023-03-30
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. (NJ)

I appreciate you making the effort to delete some of the data on my credit report, but there are still accounts that need to be removed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be discarded as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Called placed to Transunion in regards to inaccurate information on my credit report Called XXXX XXXX XXXX. Spoke with XXXX XXXX ( that 's the name the Manager gave me ). Stated that my XXXX XXXX account showed a balance of XXXX. I explained to him I sent XXXX letters with acct # XXXX and # XXXX. Mailed to Transunion that account was paid in full and that the company sent information. He stated the information is not going to change and he will leave the information on the credit report. I thought the credit reporting agencies are to provide accurate information opposed to fighting on the phone with you in regards to the information. I sent copies that was received form the company that it was paid a XXXX XXXX updated all three credit bureaus. I am trying to figure out why my information can not be update accurately
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (LA)

On XX/XX/2024 I was denied a private XXXX  loan due to a " serious delinquent XXXX loan '' showing up on my TransUnion credit report. 
This is not possible due to my currently having an XXXXXXXX deferment. I also utilized the XXXX XXXX program so these loans, as per the XXXX, should have been reported as current, closed, and moved to a non-default lender. 
I pulled my credit report and found that it was XXXX. I also later discovered that XXXX is reporting as Delinquent on my XXXX report. 
From XX/XX/2024 until now, I have contacted XXXX several times, The XXXX XXXX XXXX for the Dept of Education and XXXX, TransUnion, and XXXX. 
I have uploaded documents to TransUnion and made several disputes to both TransUnion and XXXX both over the phone and online. Every single one of them has said there is nothing that they can do about it. I have even had to explain what currently delinquent means, and how it makes no sense that I could be currently delinquent. I have shared your documents with them regarding problems with reporting illogical false information. The account is closed. How can it be currently delinquent? 
I have a particular problem with TransUnion and their dispute/investigation process.

It is difficult to get any information on an open dispute which has led to sending in multiple disputes, and trying to determine if they received it is onerous. Being alerted that there is a change to your report feels like they are simply trying to get money from me. It is like credit reporting agencies make money by making changes to your report or keeping you in the dark for you to pay for a subscription or pay to refresh your credit report. 

Their entire dispute process seems to be slow and illogical.
Consumer complaint received 2019-02-27
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. (FL)

I accessed my Equifax Credit Report and see that the information regarding my credit worthiness is wrong. On my Equifax Credit Report it does not show my current personal information and does not show the current credit card accounts that I have showing my excellent credit score of XXXX like it shows on XXXX  and XXXX XXXX. I feel this discrepency is affecting my ability to get better offers for credit cards or loans.
Consumer complaint received 2016-09-21
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (IL)

Check N Go has cashed a check against the bank account of my deceased father, XXXX XXXX XXXX. The check in question was written on a date when he was XXXX and the dollar amount of the check does not match his hand writing. 

When I contacted Check N Go, no loan was found in his name when they searched by social security number. 

The deceased has a bank account at XXXX XXXX Bank in Indiana. 

The check was written on XXXX/XXXX/2016, the deceased was XXXX and in hospice care on this date and passed away on XXXX/XXXX/2016. 

The XXXX was deducted from a Social Security deposit made to the deceased persons account on XXXX/XXXX/2016. These monies were refunded to the Social Security XXXX as expected upon notification of death. 

The check should have been returned to Check N Go for insufficient funds in XXXX and not resubmitted in XXXX. Further, there is no evidence that my father, XXXX XXXX XXXX held a payday loan for which he would have been liable.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eastern Account Systems of Connecticut, Inc. (WI)

I had been a loyal customer of XXXX XXXX XXXX for over twenty five years. I switched services ( closed my account with XXXX ) on XXXX XXXX, 2016. Eastern Account Systems, per XXXX XXXX XXXX ( called twice on XXXX XXXX, 2016 ) told me they ( EAS ) received this account ( # XXXX ) in their office on XXXX XXXX, 2016 a mere twenty two days after my account was closed. My account with XXXX XXXX XXXX was not past due nor was it delinquent. My private and personal account information including S.S. #, phone number, D.O.B. and XXXX address were all given to a third party debt collector before the account was delinquent or even past due. The company stands by this policy as answered in XXXX XXXX XXXX complaint " ticket number XXXX ''. I was given an extremely hard time when trying to close my account and was subjected to many different departments all trying to retain my business. I took well over two hours XXXX simply close this account. These collection efforts are another effort to make me pay for my decision to terminate their service. As XXXX from XXXX told me " this is what happens to everyone that disconnects service with us ''. 

Eastern Account Systems of Connecticut , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (CA)

Continuous monthly occurence. My work sends direct deposit information to the banking entiry days before payday. Now moneylion advertises that it will pay you two days early for aetting up direct deposit. However, this has only happened two times for the last six months. I used to bank with XXXX and always received my paycheck two days early as advertised. This bank does not honor what they advertise which has caused me to have late fees for bills. As im going with what is being sold to me. Part of the reason i switched banks in the first place. Was their Banking features. Their XXXX feature is also misleading and falsley advertised even when paying a XXXX $ a month membership fee to use that particular service.