davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2023-04-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, National Credit Systems and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be National Credit Systems is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as National Credit Systems allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

In XX/XX/XXXX, I was notified that someone had used my name and social security number to take out Covid-EIDL loan from the Small Business Administration . I filed an FTC report as requested and attempted to enact a 7-year extended fraud alert with Equifax. I received multiple requests for identity verification, which I provided, but Equifax kept requesting additional information that didn't make sense. I called Equifax on XX/XX/XXXX and spoke to XXXX, who informed me that my FTC complaint that I forwarded to Equifax was " incomplete, '' but she could not tell me how it was incomplete. She referred me to the FTC, which could not tell me whether or how my report was incomplete. I have provided all information I have available. I do not know the amount of money from the SBA loan because I would have to pay for this information, although I did provide the loan number. It should not be this difficult to place an extended fraud alert when one has been the victim of identity theft, particularly when it could have resulted from data breaches of the very credit reporting companies involved.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Citi Bank offered a {$400.00} bonus if I deposited {$15000.00} for XXXX month and then kept this there for additional XXXX months. I sent the money on XX/XX/XXXX and kept this for the required XXXX months. Citi Bank states I met my requirements and has still not paid me as of today and should receive the bonus on XX/XX/XXXX. 
Today ( XX/XX/XXXX ), I still have no bonus.
Consumer complaint received 2023-04-03
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This attempt is my follow-up to ensure that the listed accounts are investigated
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX/XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from my Credit report.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Milby Law Offices P.A. (KS)

On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it's been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said " Sweetie I work in a law firm, you don't '' she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said " I just can't do this, '' and then proceeded to hang up on me.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam, I am writing to request the removal of the following account from my credit report : XXXX XXXX XXXX Account Number : XXXX ]. I believe that this account is inaccurate and should no longer be reported on my credit report. 

The account in question is old and no longer reflects my current financial status. Therefore, I kindly request that you remove this account from my credit report as soon as possible. 

I have reviewed my credit report and found that this account is negatively impacting my credit score. However, this account is no longer valid, and I believe that it should not be reported on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I request that you investigate and remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!
Consumer complaint received 2022-07-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

12. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

13. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11 XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

15. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10 XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (LA)

I have been making payments to Tower Loan XXXX  for an account with them that was in closed status. In an attempt to correct and pay I debt off in order to purchase a home, I made arrangements to pay the company. The company has since only reported one payment and I have paid off the balance of the account. I would like the incorrect information to be removed promptly as it is hurting the process of purchasing a home.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Commencing on or about XX/XX/2022 and ending on XX/XX/2022, I, a Wells Fargo Bank account holder, fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account at Wells Fargo Bank via debit card and through an intermediary named " XXXX  '' in the total amount of XXXX USD utilizing Wells Fargo Bank services.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (MD)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (LA)

I contacted quickenloans about getting pre-qualified for an FHA Mortgage. The agent pulled my credit reports and said that while my credit score qualified me for a loan, they could not proceed because I have disputes on my credit report. It is my understanding that under CFPB regulations, credit can not be denied for " exercising in good faith a right under the Consumer Credit Protection Act ( such as disputing information in your credit report ). ''
Consumer complaint received 2022-08-24
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 (WI)

My checking account through Bank of America was hacked. Bank of America stole XXXX from my account and sent those funds too someone XXXX Bank account. The hacker used my name got into my account and initiated the transfer and Bank of america is so dumb they can't understand and hackers are fooling the bank. Under article 4a banks are responsible to get the money back into my account and they failed to do so because this is a scam or hack whatever way you want to word it. Bottom line my bank account through bank of america was hacked and I've lost XXXX from my bank account and Bank of America has refused to put the funds back in my account and refused to stop the transaction.
Consumer complaint received 2019-03-08
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)

In XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to Equifax, XXXX, and XXXX disputing inaccurate credit accounts and inquires on my credit files. I have sent supporting documents several times also. Due to this inaccurate information being reported by the credit bureaus, I'm paying higher interest rates as a consumer and being denied credit opportunities.
Consumer complaint received 2017-02-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Comerica (CA)

My state issued ski payment was transferred over the phone on XXXX XXXX 2016 and i filed a complaint and had to go thrust a lot if run around to finally get the funds returned to me and this is once again happening on the XXXX of XXXX I tried to withdrawal the funds from the direct express card and the arm transaction was declined so I called and they said I tried to transfer money over the phone again and they expected me to fax a 2 forms of is so I went to the police department and they sent the 2 forms of is and after a bunch of return calls finally was allowed to withdrawal XXXX of the benefits at around XXXX and this is not the only card being fraudulently used so I needed to cancel all of my cards and I am trying to file for identity theft assistance I am not in a financial situation to continue fighting this situation please help
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

The 2009 Credit Card Accountability Responsibility and Disclosure Act dictates that if the annual percentage rate on my card was increased to more than what was agreed upon in my Card Agreement, then the bank ( credit card provider ) must review my account every six months to assess whether the factors that prompted the increase have changed. Upon this re-evaluation, if factors are met, the APR is to be reduced to the agreed upon rate. 

Upon review of my account and payment history, I have determined that Symphony Bank / Lowes did not conduct such re-evaluations of my accounts, or used unethical or illogical tactics in its methodology to re-evaluate rates that decreased the likelihood that I would qualify for a rate reduction. 

Due to this miscalculation of interest rate charges, Symphony Bank / Lowes violated the Truth in Lending Act and Regulation Z by  overcharging me for my credit card balance during the years of XXXX Current Day.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have in my credit XXXX XXXX XXXX, account XXXX, has 2 late payments in XXXX and XX/XX/2018, I do not recall to have this late payments, I request the removal of these inaccurate information.
Consumer complaint received 2023-04-03
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX