davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated (CA)

This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with UNIFUND ( who owns this debt now ), as well as with XXXX XXXX XXXX ( their lawyer, Mr. XXXX ) - however, UNIFUND says they can not receive payments, because XXXX XXXX XXXX is handling this for them. I was told by UNIFUND to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but XXXX XXXX XXXX, Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.
Consumer complaint received 2023-01-20
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. (NJ)

What happened? 


I sent a letter XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (VA)

I was alerted on my credit report of a collection I owed. The original debt was stated from XXXX XXXX. The agencys name is Sequium Asset Solutions. I have never been contacted by the collection agency. I called XXXX and they confirmed I had no debt. When I called the collection agency directly the person answered hey. No mention of the company name. Many online reviews show this company as a scam. I put in a dispute with XXXX  and XXXX  and both came back confirmed. I figured since this is an unethical company. Its unnerving how these credit agencies allow shady companies to affect your credit.
Consumer complaint received 2023-01-21
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-01-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (PA)

Filed with XXXX XXXX for inaccuraties on XX/XX/XXXX, XXXX Filed for debt validation on XX/XX/XXXX, XX/XX/XXXX with COMMERCIAL ACCEPTANCE COMPANY for the amount of XXXX which is incorrect. COMMERCIAL ACCEPTANCE COMPANY failed to show me proof of validity of orignal contract with a wet signature. Also COMMERCIAL ACCEPTANCE COMPANY failed to show me the contract with them specificaly they have violated my rights under 15 USC 1692g and reported to XXXX AND XXXX who reported it on my credit file violating my rights under 15 USC 1681.
Consumer complaint received 2024-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MO)

I got a text from a number claiming it was Wells Fargo asking to verify a {$3400.00} transfer to a XXXX XXXX. I replied no. Then I got a call from a guy claiming he was from Wells Fargo and another fraud transaction was occurring. He transferred me to their " fraud Department. He claimed they got another transfer request for {$8200.00}. We talked for a bit and I never gave him any account info. At one point I asked for proof he worked for Wells Fargo, I asked if he could tell me my debit card number. He provided me with the first XXXX numbers. Soon after I began to feel suspicious because I could tell he was on a cell phone. But I wasn't sure if the breaking up was on my end. I never provided him with any personal info but I hung up and immediately called Wells Fargo fraud department. I kept asking for a fraud representative but it took awhile. During that time the fraudsters were able to complete a wire transfer for the {$8200.00} through XXXX. I told my rep that i didn't authorize it and didn't use XXXX ever or wire transfers. They took my info but have not heard back even though the recipient 's name and address and he used XXXX XXXX to complete the fraud. His name is XXXX XXXX and he lives in XXXX, Ga. I feel this is enough info to get my money back and prosecute. But nothing has been done. The money is out of my account. I even called XXXX XXXX to give them the information. But they just said thank you and had the info they needed from me. My understanding is there is a ton of fraud using XXXX. I need my money back.
Consumer complaint received 2023-05-30
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: GOLDMAN SACHS BANK USA (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX/GREENSKY 9 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 84 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX {$480.00} hotel showed a payment made on two different cards. The hotel fixed the problem. 


XX/XX/XXXX. {$23.00} Debit Visa was declined several times. I wrote a check. 

XX/XX/XXXX {$17.00} purchase declined. I used a different card. 

XX/XX/XXXX - XX/XX/XXXX {$610.00} total with 184 purchases on Visa Signature. 
Stop put on vendor and Card restored amount.
Consumer complaint received 2023-01-20
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. (IL)

The below mentioned collection accounts are reporting as " open '' accounts with XXXX and Transunion. The accounts are reporting incorrectly and inaccurate. I have sent several disputes to XXXX and Transunion regarding this issue. Please have the accounts removed. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

The accounts have been reported delinquent on my credit report but none of the 3 reports are consistent. The account are on a payment plan for 5 years are paid but still being reported late by XXXX XXXX XXXX XXXX  then a couple is reported charge off but still taking my payment. Medical bills that were paid by XXXX XXXX and bills that I have no knowledge of.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Consumer complaint received 2020-11-03
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. (NC)

I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-11
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. (TX)

this account XXXX XXXX XXXX finance account number : XXXX. I have tried disputing the information on verification of the account with the bureau. this account does not belong to me. i will attach my FTC report, drivers license and a letter stating this information.
Consumer complaint received 2022-09-14
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. (PA)

I, XXXX XXXX am writing to delete the following information in my file. The items that need to be deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I ask these items to be removed also in accordance with 15 USC 1681a Section 603 subsection K ; rules of construction. Due to this inaccuracy of my credit report, I have been denied opportunities that have also violated my rights based on the Equal Credit Opportunity Act. I have the right to an accurate credit report.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After taking a look into my credit report for any errors that may have occurred. I found an account thats payment history was inaccurate and reporting inconsistently throughout all three bureaus. I later found out that this was a violation of the FCRA.

As you can see this account was reported as a charge off that was being shown as " CO '' charged off on one bureau ( Experian  ) Then showing payments as " OK '' paid as agreed on another bureau ( XXXX   ) Then Showing Zero Payment History For ( XXXX  ) Shown In The Attachments Is My Credit Report Showing The Inaccuracies And From Which Bureau. Also, Included Letter Sent To Bureaus
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (NJ)

Ten or more years ago, I disputed the last {$190.00} payment to XXXX on my account. Recently, this old and uncollectible disputed debt was given to a collection agency in New York. They reported it as only four years old, and as a new collection account only one month old on my credit bureaus. My credit score has suffered terribly because of this illegal act. I have disputed these entries accuracy with XXXX and XXXX XXXX, but the collections company told them it is a legitimate debt that it should be reports as it is. There is no way that they have any proof that this is a recent debt, because it is not, and should not have been put on my credit bureaus. I believe this collections agency has done this illegal act to harm me and get be to pay it. The lawbreaker/tortfeasor is : Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY, XXXX, ( XXXX ) XXXX
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I have been having issues with this Navient since XXXX of XXXX. They are not willing to assist me with lowering my payments. I had previously requested that they cease phone communication because they call and never help me. When I did try to set something up, all they do is just move the past due amount to the end of the loan to the principal so that they can charge more interest. I never had an issue paying my loans with Navient when my bill was affordable at {$280.00} a month. However, they decided to increase my payment by {$100.00}. Which I can not afford. Each time I explain that I pay bills that are not in my name, they do not take that into account. I have kids, and bills that I have to pay and have to budget every month. Unfortunately I do not have extra {$100.00} a month to pay. Today XX/XX/XXXX a collections agent called me and explained that I am past due, which I am aware because I can not afford the monthly payments. I explained to the customer that I told them to cease calls last time and the agent began to rudely explain that they gave me money and how are they going to get their money back. Being extremely rude, really upset me because all I have been trying to do is get an affordable monthly payment to pay off my debt. All they want to do is cause me to be past due and mess up my credit. Navient in no way is trying to help me and I can not pay them unless we can come to an agreement that I can afford. I would be happy to pay {$280.00} a month like I was promised by an agent back in XXXX XX/XX/XXXX but the agent LIED!!!!
Consumer complaint received 2023-01-20
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. (FL)

I value you setting aside some margin to DELETE a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/07 my wife and I wired money ( {$15000.00} ) from her personal XXXX account to our joint Chase XXXX for the sole purpose of transacting business future business. 

This action was to be completed in minutes as advertised at fee from the original bank at {$30.00}. Hours went by and the funds was not credited to the receiving bank. We called the XXXX and the information was that the funds left there institution as requested. We called Chase and 4 out of 9 customer service rep. Could not see the transaction but 5 could and we were told that there was a hold on the transfer but could not provide any further information. They however was able to verify that the receiving information was accurate so no issue there. 
We have since made numerous attempts to get the issue resolved with no success at this point we do not know where I visited the branch closest to me in XXXX NY close to my house. 

It is not acceptable for us to be incurring penalties when all we wanted to do was a simple wire transfer of our own funds that we worked hard for. 

I need answers? Were is my {$15000.00}?