davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

The debt is not from the original creditor as I got a letter showing another company paid for a debt they claim belongs to me again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The debt originator does not have the original or signatures from me, They did not provide me with who was spoken to and when was this debt assigned to collect. They are not giving me any evidence to show clear ownership of the account. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please have them provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

I contacted the collection agency in XX/XX/2022. I tried to get a pay agreement for XXXX installments, but the lawyer was rude and aggressive. Instead of paying the entire amount owed {$750.00}, he said I had to pay {$1200.00} upfront, give or take a few dollars, if I wanted to sett the bill. Honestly, the bills isnt mine. A family member stole my identity. Im putting my life back together and need the bill off of my credit report, but I dont have additional money to pay.
Consumer complaint received 2022-05-02
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. (SC)

XX/XX/2022, Transunion I want monetary relief due to your company violating my consumer rights. 

TRANSUNION is violating the Fair credit reporting act laws. I am requesting monetary relief. 

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE XXXX ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT. 

XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. [ THE DATE OF ENTRY ARE SHOWN ] THE DATE OF ADJUDICATION IS SHOWN ALSO ] XXXX. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

XXXX. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I REQUESTED TRANSUNION TO CHECK THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY. TO VERIFY IF THE BANKRUPTCY WAS MY PREVIOUS OR PRESENT ADDRESS. THEY DID NOT VERIFY THE ADDRESS. 

XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


XXXX. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFYING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/, representative from Bank of America called me from a Bank of America number. He was saying that I had some fraud my account through XXXX and he was going to transfer me to XXXX and gave me XXXX cancellation codes. Once I was transferred to XXXX I was speaking to a woman. Her name was XXXX XXXX, she said I need to go to my XXXX and my Bank of America app and click on the XXXX and go up and click on where the money part is and hit the cancellation code in. which the cancellation code was XXXX and send it to a XXXX number which I did that and it withdrew money out of my account. Soon as that happened I asked him why did it withdrew money on my account and they try to apologize to me and said that theyre going to give it back in there and thats when I called Bank of America XXXX have this stopped. Bank of America did not do anything for me. They gave me the runaround. They said were gon na try to look into it, I called back on XX/XX/XXXX. Nothing has been said or updated. They said that theyre trying to get a hold of XXXX because theyve had these issues with this type of stuff going on with their spoofing numbers. I called back again today at Bank of America to see if theyve heard anything and they said they have not heard anything yet and it could take up to 90 days. Ive called my mom what she works in a fraud department at a large bank in XXXX New Mexico, which is a XXXX XXXX, and she told me to contact yall because I shouldve already received my money back into my account. Bank of America has not helped me out in anyway. They said they sent me emails, which have not received received any email from them. They told me that theyre going to reach out to XXXX XXXX, which were the money went to and try to get the money back from XXXX XXXX and if they couldnt get the money back from XXXX XXXX XXXX they can not give me my money back, which I did not authorize any of these payments. I was scammed and its wrong Because soon as it happened, I called Bank of America right away.
Consumer complaint received 2022-01-17
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. (TX)

I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On the XXXX of XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the bureaus.
Consumer complaint received 2021-09-16
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXXXXXX This is not mine.
Consumer complaint received 2021-11-19
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

American Express is refusing to return me my XXXX XXXX From XXXX  and they are holding my money and will not return it to me either by my BLUEBIRD Account or mail, and they keep hanging up on me and putting me on long holds
Consumer complaint received 2021-03-01
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: JPMORGAN CHASE & CO. (DC)

I received a letter in the mail that my account will close for inactivity unless I use it in the next 15 days. That letter was dated XX/XX/XXXX. 

When I picked up my mail last, it was the weekend of XXXX XX/XX/XXXX. This letter was not there. I visited my post office again on XX/XX/XXXX, yesterday, and saw the letter. 

The account was already closed. I was taught by XXXX XXXX that you should never close your account because it is part of your credit history. My card was still active until XXXX. I could have used it for emergencies. I called four times but they were not understanding. They said they sent that letter and that I did not respond. They changed the subject to the other credit card I have with them. I called 4 times asking speak to a XXXX  The fourth time I was kept on hold at least 10 minutes. This did not allow me to take a survey. 

So I think that if you are a customer in good standing, this is discrimination. Only I can close my account. I should not use my card just to keep it open. They said I have not ised it since XX/XX/XXXX. XX/XX/XXXX was a pandemic. They should be hapoy for the inactivity when there are so many people who can not pay off their card. Again, this egfects my credit score. 

Thank you for your time.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

I own a small XXXX XXXX XXXX that uses this company called XXXX XXXX XXXX XXXX as my credit card processing company. I found out last month that since my account was created back in XX/XX/2014, every single XXXX XXXX charge that I ran never made it to my bank account. The funds remained in a holding account of this company. Now that they have owned to there mistake, they need to pay up. However the company is now telling me that out of the agreed {$53000.00} amount that we both found to be owed, they will only pay half of it because there policy is only to go back 3 months. This is illegal for them to keep those funds. On top of it all, I paid taxes on that income that I never received because I file taxes based off of my management system. My system showed the income however in reality I never received the funds. Please help me this is a monster company to be doing this to a one man shop. They should have insurance in place for these errors. Which I have asked for a copy of the policy and they do not give it to me. Please help me get my money back, this is hard worked for money by myself. Company name is XXXX XXXX XXXX, DBA XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

I recently received the attached letter from Debt Recovery Solutions , LLC. While it does not refer to the date of service or other specifics of the original debt, I believe it relates to an emergency room visit by my then-XXXX year old daughter in XXXX. I contested the amount of the physician charge from the beginning, and responded repeatedly to the original debt collection agency but no resolution was reached. The last I heard from anyone was late XXXX, until this letter dated XX/XX/XXXX. 

I never paid this medical bill, openly contesting it from the beginning. However it is now more than 5 years past the date of service ( XX/XX/XXXX ) which is beyond the statute of limitations for contracts in the state of Virginia where this ER visit took place and where I still reside. This debt collection company should know it is trying to collect an unenforceable debt. It is also asking for more than double the amount charged by the physician group, from {$330.00} to {$790.00}. That is a remarkable interest rate and probably usurious.
Consumer complaint received 2021-11-19
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX AUTO - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SYNCB/LOWE XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX and 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
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (VA)

Dear cfpb, COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Trouble during payment process Unfortunately the respond coming from my Mortgage Company ( Dovenmuehle ) about my dispute is not correct, because I don't have an Issue ( Trouble during payment process ), and because they didn't addressed my issue about the Appraiser report mistakes, they just back and forth many times about I'm not qualify to remove the PMI now, which is I know that, but they still didn't want to go to the main issue ( the Appraiser Report ). So, please, if you could let them know about my concern. 

With my all Appreciation. 

Thanks. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-09
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. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2019-03-18
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)

I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX of XXXXa 6. XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9.XXXX XXXX XXXX XXXX 10.XXXX XXXX XXXX   11.XXXX  XXXX 12.XXXX XXXX XXXX 13.XXXXi XXXX XXXX
Consumer complaint received 2022-11-18
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. (FL)

I noticed this problem in XX/XX/2022 " I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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. Please delete the items as soon as possible
Consumer complaint received 2022-05-01
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. (GA)

I the consumer Demand you cease and desist pursuant to federal law 15 usc 1692c ( c ) I demanded the debt collector cease and desist reporting inaccurate information on my credit report I have 20 accounts 18 open and 2 closed also hard inquiries on my account and its fraudulent you are in violation if you continue to report anything without my consent you do not have a permissible purpose to report this info pursuant to 15 usc 1681b. After Ive sent you a letter and filed a complaint stating this.
Consumer complaint received 2019-03-18
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. (IL)

I reviewed my TransUnion Credit report and submitted a request to validate hard inquiries on my credit report that were not recognized as authentic or authorized. 

Transunion sent a form letter dated XX/XX/2019 indicating that inquires remain on my credit report for two years with no credible investigation and an incomplete answer to the disputed inquiries on my credit report. 

They also solicited me to sign up to their free " XXXX  '' protection service.
Consumer complaint received 2021-11-19
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. (NV)

I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that EXPERIAN Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.
Consumer complaint received 2018-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

This complaint is against Wells Fargo mortgage department. I have a home equity loan and I have been giving bi-weekly payments for the last two years. 
My XXXX payment has been made as a usual bi-weekly payment. The funds have been withdrawn from my checking account but yet I have not been given credit for my XXXX payments. I have called five times and spoke with loan representatives and have been told there is no record of due payments. I have proof and receipts of the withdrawal.
Consumer complaint received 2022-11-19
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. (NH)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written install
Consumer complaint received 2021-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (FL)

I attempted to withdraw a bit over {$40000.00} from Gemini via wire transfer on XX/XX/XXXX with the expectation that my money would be available immediately or at least within 1 business day. By XX/XX/XXXX it was clear something was wrong as the transfer was showing as " complete '' on the Gemini website but no funds were transferred to my bank account. When I attempted to contact Gemini customer service they stated merely that my transfer was complete and provided no further information. I requested more information including when I might expect to receive the funds, information about the wire transfer such as the federal wire transfer reference number, and received no reply from Gemini customer support. They have no phone number or real time customer service and have not given me any indication for how long I should expect this to take.