davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

There is a CONSUMER STATEMENT on my Equifax report that I have requested to be removed since XX/XX/2018. I've requested multiple times via phone, via chat, via certified mail, via regular mail -- all to no avail. 

Consumer Statements are added at will by the consumer, yet Equifax refuses to remove the statement and always come back with a generic response saying the information is valid. It's a CONSUMER STATEMENT. If I want it removed, it's no longer valid. 

In addition, the statement was added without my consent -- thus disregarding that Consumer Statements should be added and removed at the consumer 's request. This is not something that should take so much effort. It should simply be removed because I am requesting it. 

Equifax is not investigating and they are not removing the statement. They're simply rehashing the same information without actually looking at the report. 

Again, remove the Consumer Statement from my report as it is holding up my mortgage approval process.
Consumer complaint received 2022-11-17
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. ()

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2018-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the FCRA, these credit reporting agencies have violated my rights as a protected consumer.15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any reason. 

These CRAs have violated my rights under the Privacy act of XXXX  time and time again. 

Update consumer report as having no late payments and every month as paid as agreed on all open or closed accounts.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open Transunion is reporting XX/XX/2021 while XXXX and XXXX is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, XXXX and Transunion is reporting open. 

The third error payment status Transunion and XXXX is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (TX)

A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WI)

Starting last year, I started receiving letters from XXXX XXXX, a collection agency regarding a XXXX XXXX debt. I had a XXXX XXXX account many years ago, before I retired, and it was included in a debt consolidation program I joined called XXXX, XXXX. When my consolidation was all paid off, XXXX sent me a letter, which, unfortunately, I no longer have. I never thought that this many years later I would receive a letter about it. To the best of my recollection, my XXXX account was completed around 2006 or so. I honestly can not remember, but it was completed a long time ago. 

XXXX XXXX is trying to collect over {$200.00} from me and I will tell you right now that I am not paying a dime. My account was paid in full by XXXX, XXXX and I have no open accounts with XXXX XXXX. I want XXXX XXXX to stop harassing me. I have already told them that I will NOT respond kindly, nor will I pay this debt that I have paid a long time ago.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (CO)

On XX/XX/XXXX, I got a letter from First National Collection Bureau , Inc. saying that a judgement against me was in place by their client XXXX XXXX XXXX. and the original creditor was XXXX XXXX XXXX XXXX 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ On XX/XX/XXXX, I sent my dispute to First National Collection Bureau , Inc . 
The verification sent to me on XXXX XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX XXXX XXXX XXXX  that didn't have my information. A copy of a default judgement dated onXX/XX/XXXXwith State of New Mexico County of XXXX XXXX XXXX XXXX District Court .the balance was XXXX court costs {$160.00} and Attorney 's fees of {$200.00}.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was recently in XXXX, XXXX travelling and I let Wells Fargo know of this ahead of time. My second night in XXXX I went for dinner and drinks and when I checked my account the next morning, roughly {$1400.00} was taken from my account through fraudulent activitiy. 

I immediately called Wells Fargo ( My bank ) and clearly indicated that I did not make this transaction and that it was fraud. I told Wells Fargo that the only feasbile way I could think of this happening was when I handed my card to someone for a small transaction. Apart from that it could have been a scanner on a fake ATM or something. 

The agent at Wells Fargo recorded my claim as a " transaction dispute '' since I was given a credit receipt. After looking into the claim, Wells Fargo issued a " credit card reversal '' and took the money back because my account did not reflect any charge whatsoever. I do not know how they managed to steal my money but, they somehow did and Wells Fargo is now refusing to reimburse me. 

I indicated to Wells Fargo that this is not a clear cut case of no receipt no reimbursement, rather they need to look into it, they can not just refuse to refund me. The evidence I mentioned to them multiple times : The fraudulent charges are {$600.00}, {$530.00}, and {$260.00}. Way outside my normal spending habits and way more than anyone needs to pay in XXXX given the exchange rate. 
My friend was also a victim and he contacted his bank ( XXXX ) as well. His bank refunded him the fraudulent charges and closed the claim. His claim, exactly the same situation as mine, can be used as support for my claim. 

Finally, added to this is my own financial problems which after Wells Fargo issued the reversal, my account dropped into the negative and I was hit with multiple overdraft fees. 

I can not believe that a bank is able to refuse to reimburse me on a clear cut case of fraud. I understand that they have their own processes involved but Wells Fargo has refused to look into it and has permanently closed my claim. 

Please let me know if there is something I can do to recover my money. 

Thanks, XXXX
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (IL)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (SC)

I owed the original debt to Belk and fell behind due to the loss of my job. Belk sold the debt ( approx. {$500.00} ) to XXXX XXXX XXXX ( XXXX ). XXXX then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted XXXX and Belk to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AZ)

I am a current XXXX XXXX customer in good standing. I this bill is for equipment that was sent in error. I mailed this equipment back to XXXX XXXX, they confirmed receipt and in return sent to correct equipment. I have request this matter be cleared and debt removed however I have received the run around with no resolution. I do not owe this debt and I do not have any additional equipment.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (WA)

My identity was stolen on or around XXXX XXXX. During the time period of XXXX XXXX - various accounts were opened in my name. One of the companies Key Bank, i notified on XXXX that fraudulent accounts were open in my name. i spoke to someone on the phone at location below. 

KeyBank Fraud & Disputes Hotline XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, A Fraud & Disputes Hotline Analyst at Key Bank that i spoke with indicated to me on the phone that there were actually more than 2 suspicious accounts in their system in my name open. He said i should mail documents in to them, which i did on that same day. I submitted all required documents - including a police report, my identity theft claim and all documents they required to the address listed above. 

to date, no one has contacted me in writing or by phone to indicate these accounts are closed. i want a letter in writing-not a phone call - that all accounts fraudulently opened in my name ( XXXX XXXX or my maiden name XXXX XXXX ) are closed. I have to date, NO accounts with KEY BANK at this time that i opened on my own. 

i am filing this complaint wanting help in getting this matter resolved.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (TX)

To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover any medical fees. Please advise me as to the name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges. Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 

XXXX XXXXThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec . 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you. 

AARGON AGENCY INCXXXX This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec . 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have a legal obligation to pay you.
Consumer complaint received 2019-03-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC. (IL)

Within the past week, I was contacted by Oracle Financial Group LLC three times with messages threatening legal action. They stated that I need to find an attorney that would be able to practice on sovereign land because I was being sued by a XXXX XXXX XXXX. I questioned this and asked that they send me this in writing. He said that I was sent documents at my old address and it was returned. I questioned this because my mail gets forwarded from my previous address to me consistently by the USPS, along with photos of each piece that is going to be transferred sent to my email. He became very defensive, aggressive, and hung up on me. Immediately, I started investigating the debt. I called the original debtor. They had just given the debt to an outside source, XXXX, within the month. I called that company and he told me that they are part of an investment group that gave the account to Oracle, with the phone number. Right away, I called Oracle and was directed to another person who demanded payment of the full amount owed or a settlement. I told him that Id call back. I got off the phone to consider how to make a payment towards the amount while feeling uncertain about this company because they will not give me anything in writing. When I talked to the original debtor and told her of the threats they were giving me about the XXXX suing me, she told me that it wasnt true. I proceeded to call Oracle back to make a payment but they were closed. I left a message. They called me back and left a msg telling me that the settlement offer was expiring. I called back and when I tried to make a partial payment while not financially being able to accept the settlement, they said they needed full payment only. They told me there no longer is a settlement offer. They wouldnt set up arrangements, which I asked for, and said theyd get back to me. Again, I asked for it in writing. Within the week, I have made several attempts to pay this. Every time I receive a call from them, its by one of several different phone numbers. This company appears to not be legal in the ways they communicate or conduct business.
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (SC)

CBE Group, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, is in violation of the Fair Credit Reporting Act. CBE Group placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. The original creditor listed on the reports is  XXXX XXXX, a company that I also have no knowledge of, or received any goods or services from. The amount CBE Group is reporting shows {$89.00} original loan balance and {$90.00} current balance. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. This company needs to remove this  erroneous account that was added to my reports in XXXX 2020 since they failed to actually verify and confirm that I truly owe any company any funds.
Consumer complaint received 2020-09-22
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. (FL)

XX/XX/XXXX. 

Trans Union XXXX. XXXX # XXXX XXXX, XXXX XXXX & XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX XXXX : XXXX
Consumer complaint received 2017-01-14
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (OH)

I have had a Bluebird reloadable card from American Express for years. On XX/XX/2017 {$250.00} was loaded onto this card. The receipt showed a new balance that did not agree with my records. When I viewed my account transactions there was a purchase for {$120.00} from XXXX. I had no record of this purchase so I phoned AmEx to ask if they could see what the purchase was for. They were unable to say what was purchased and I told them I was unwilling to make a fraud report before I could verify that perhaps it was a purchase I failed to log. They gave me the phone # of XXXX. XXXX told me what was purchased and I knew that I had not placed that order. They asked for my address and said that was the billing address but the order had a shipping address in XXXX, Delaware. They said they were going to investigate and told me to contact Bluebird AmEx to make a report. I immediately did so. I was told I would receive a new card by mail and within 10 days they would finish their investigation and inform me of my refund if approved. This email referred to my account ending in XXXX. Two days later I received two emails from Bluebird AmEx in reference to account ending in XXXX. The first said their investigation determined the purchase to be authorized and therefore not eligible for credit. The second said they noticed activity on account XXXX that was in violation of the Bluebird Member Agreement, section XXXX. They locked my account and suspended my privileges. I never had an account ending in XXXX. When I called them to dispute this they were unable to tell me what XXXX was and no information was available because my account was locked. American Express is supposed to be the company that protects it 's cardholders from fraud. I reported this claim 2-3 days after the fraudulent purchase was made. My husband subsequently received an email from Bluebird stating that someone had fraudulently tried to use his card at an ATM. My husband is in possession of his one and only card and made no such attempt. They are sending him a new card. What is going on? Someone has obviously obtained account information on the two of us. Why have I lost my privileges? How could Bluebird 's investigation have concluded that the fraudulent purchase was authorized when it was not?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC. (VA)

XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.