davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a complaint with the CFPB on XX/XX/2020 about the student loan accounts that needs to be removed. In both Transition and XXXX  response they both was suppose to investigate and remove. it has been 31 days since I submitted this issue. The FCRA only allows 30 days. By law this incident should be resolved and the accounts should be removed. I am asking that the CFPB step in and enforce the law that both companies Transunion and XXXX  are not following and abiding by.
Consumer complaint received 2018-01-08
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: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-10
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. (FL)

On XX/XX/2020 I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX a purchase was made at XXXX for over {$1400.00}. Wells Fargo is trying to hold me responsible for the charge that I did not make. I reported a lost card and had that one cancelled and was reissued another card.
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in XXXX XXXX chapter XXXX does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692e ( 8 ) ,15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE (CA)

We refinanced our home with American Pacific Mortgage and the first payment was due XX/XX/XXXX. I mailed a check in on XX/XX/XXXX that was cashed on XX/XX/XXXX. Shortly after the check was cashed, I received notice that the loan was sold to XXXX XXXX XXXX. American Pacific Mortgage has no record of receiving my payment even though I have provided them a copy of the cashed check. My mortgage is late and they have said they are researching the issue several times and don't seem to be locating my payment, which needs to be transferred to XXXX.
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (LA)

I keep getting calls with the following message. I have no debts whatsoever, nor do I owe anyone. This is a scam and they need to stop calling. I have all calls saved on my phone to show how many times they are harassing me. 

" <my name> in accordance with state and federal regulations you are hereby being notified of a pending claim in our office your file number # # # # # # #, as it is in your best interest to speak to a live representative now by pressing one. Or either you or your attorney contact global international services that telephone number XXXX this is an urgent matter requiring your immediate attention please reference your file number when calling in <my name> you have been officially notified Thank you. ''
Consumer complaint received 2024-02-25
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. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, 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.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
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. (DE)

I have reached out to XXXX a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX XXXX IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXXXXXX # XXXX
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CT)

Comenity Bank/Victoria Secret is still reporting that I didn't pay the {$550.00} and I did in fact pay it. I disputed this 8 times and it's still showing on my credit report. It was paid up via XXXX XXXX XXXX account # XXXX
Consumer complaint received 2020-08-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

ON XX/XX/2020 I wrote HMC GROUP 2 different letters about some alleged debts that they are reporting on my credit that are not mine.I have neither receive any information nor has it been reported as disputed within the 30 days time frame by law.I would like for these inaccurate items to be remove from my credit report before i seek a attorney to represent me.I have attached a copy of the letters below.
Consumer complaint received 2020-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (IL)

Before going on a trip to XXXX XXXX in XXXX this year, I have received the document from Barclays ( my credit card company ) stating that if I use their credit card for car rental, and decline this portion of coverage, they were going to provide for collision and comprehensive part of auto insurance. I duly did so. Upon returning the vehicle, the leasing company claimed that a part from the roof of the vehicle was missing and charged me {$400.00}. The Barclays has refused to issue credit for this amount. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-10-17
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. (TX)

Credit Bureau is reporting inaccurate and fraudulent account information from XXXX XXXX XXXX. CFCB has current case # XXXX against XXXX for providing altered and fraudulent account statements from XXXX XXXX  XXXX XXXX In XX/XX/2019 XXXX XXXX XXXX  report that no money is owed to them and that XXXX XXXX surety bond pays the final amount due to them. XXXX and XXXX also keep reporting debt owed as a rental agency even though court documents with eviction dismissal, account documentation and rental reports pulled in 2019 show and have been provided several times show that no money is owed to any rental property. 

I have been filing complaints against this credit bureaus on this issue since XX/XX/2019 to no avail. 

I am providing legal documentation again : 1. Emails from XXXX XXXX XXXX that {$2800.00} for sure deposit and that {$0.00} is owed to XXXX. 
2. Recently pulled court documents stating eviction was dismissed in my favor and {$0.00} amount is due. 
3. Rental background report pulled in 2019 by realtor stating {$0.00} amount due to XXXX XXXX  XXXX XXXX 
4. Current investigation into XXXX submitting an altered and fraudulent account statements
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My card was closed on the XXXX or XXXX I called Bank of America they said unemployment had closed it I called unemployment for 3 days in a row finally got through to them and they said my account with them is still open and ready for them to deposit money into weekly they had no idea what I was talking about and had no idea they had nothing to do with it I called back to the bank they said unemployment must call them my card has never been used as fraudulent in any way my car has never left my hands I'm about to be evicted from my apartment cuz I can not get to my money to pay my rent
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TN)

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2017-12-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau of Carbon County (TX)

I have constantly tell these people to stop contacting, very unprofessional and abusive. I 'm giving them 24 hrs to cease and desist. I do n't want these people to ever contact me again final warning. 

My fee schelude is as fallows XXXX per call XXXX per min must book more than 5 mins. 
Final warning.
Consumer complaint received 2020-12-10
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CO)

This issue happened around the COVID crisis my balance on my Best Buy citi Visa card was under my credit limit amount which was XXXX, budget rental car charged my card XXXX and Best Buy let it go through. Now my limit is no where near that. I have had my card since 2019 no late payments no issues, but citi is tarnishing my credit for something that is not mine. They put in a fraud dispute, but it was not fraud, they should have put it in as a balance issue.than they closed my account and I look at my credit report and they put it on as I owe them XXXX. Just the way they did everything I made a payment they took it disputed my claim than closed my account than just threw it on my credit
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AR)

To my surprise, I noticed the CCS credit collection agency ( https : //www.ccsusa.com ) showing up in my credit reports for XXXX and XXXX. I sent certified email to CCS requesting them to validate that debt and they are not able to do so. I disputed this incorrect info with XXXX and XXXX. They didn't remove the information from its reporting. I contacted them and they said it is verified. How can credit reporting agency verify it if CCS collection itself is not able to validate that debt belongs to me? I have made every attempt to resolve this at my end but it is going no where. I am attaching the certified mail receipt and letter sent out.
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland funding has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family XXXX XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from midland funding
Consumer complaint received 2020-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TN)

I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion LLC Consumer Dispute Center XXXX XXXXx XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dispute of XXXX XXXX  Account - Account Status : Open Dear Sir/Madam, I am writing to dispute the information reported by TransUnion LLC regarding an account with XXXX XXXX , which is inaccurately listed as open with a last date of activity in XX/XX/XXXX. I requ

est that this account be removed from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report, I discovered that the account with XXXX XXXX is inaccurately listed as open with a last date of activity in XX/XX/XXXX. 

Under the FCRA and the FDCPA, inaccurate or outdated information should not be reported on consumer credit reports. As such, I assert my rights to dispute and request the removal of this inaccurate information from my consumer report.

I hereby request that TransUnion LLC conduct a thorough investigation into the accuracy and validity of the reported account with XXXX XXXX. If it is found that the information is indeed inaccurate or outdated, I request that TransUnion LLC promptly remove this account from my consumer report.

Furthermore, I am bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance and oversight.

Please provide a written response to this dispute within the timeframe specified by law, and notify me of any actions taken to address this matter.

Thank you for your prompt attention to this dispute.
Consumer complaint received 2020-08-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am divorced and work two jobs. I am working very hard on my credit. The other credit companies are right on target. Equifax has some crazy way. I get something removed from my credit and they drop my points 20-30 points. It makes no since, and trying to resolve it is not working. This is a misuse of power, that is effecting my life!
Consumer complaint received 2021-01-26
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)

THE ACCOUNTS/INQURIES THAT ARE LISTED ARE FRAUDULENT SOMEONE STOL MY SOCIAL SECURITY NUMBER AND PHOTO TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they XXXX have on my personal information still have not done so i need this cleaned up or i will file law suit
Consumer complaint received 2020-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX, XXXX XX/XX/2020 my account was the target of fraud and someone went to a ATM without my physical credit card and withdrew {$1000.00} from XXXX XXXX, CA. I submitted a claim to Bank Of America EDD and was presented with an adjustment credit of {$1000.00} to my account on XXXX XXXX 2020. I received a notice in the mail on XX/XX/2020 that my claim # XXXX was closed because it was believed to have been a subject of fraud and then temporary {$1000.00} credit was then adjusted out of my account on XXXX the XXXX, 2020. I still received my unemployment benefits to my EDD card and have not been able to access the last two deposits due to this negative balance that has resulted from the adjustment. I would like to have my claim reopened as I am in need of my funds and I do not know what else is needed to further substantiate my fraud claim. Speedy assistance and response is greatly appreciated