davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Bank notified me of suspicious activity on my account Fifth Third Bank credit card. 
. XXXX charges popped up in a few minutes. XXXX were paid out before the bank stopped the transactions. and the next XXXX charges were pended and not paid. 
Fifth Third Bank, XXXX, XXXX Date of Charges - XXXX XXXX of Charges : XXXX XXXX XXXX {$640.00} Get Your Guide Operations {$260.00} Total of XXXX charges - {$900.00} I immediately called the bank on XXXX and they said yes they were fraud and made over the internet by someone who must have gotten my acct number. 
Fifth Third Bank cancelled the credit card on XXXX and said they would forward the {$900.00} charges on to the Fraud unit of Fifth Third Bank. 
I called 3 weeks later to find out the Fifth Third Bank employee did not forward to fraud unit. They again told me they would forward it to the fraud unit. 
I have called every week since XXXX. I have been on hold and passed around each time I call and told that they are behind and would get to it soon. It has been 4 months since the fraud event. I also called branch bank XXXX miles away, on XX/XX/XXXX, and got the Branch Mgr involved who said he would get it fixed. He has not gotten it fixed. They state they are behind, well, They did not pend these charges they stated were fraudulent, and Fifth Third is billing me interest each month on the {$900.00}. Every other company pends these fraudulent charges, and Fifth Third is the one that told me about the fraud charges. After XXXX  months they have not even started looking into the fraud, and they are not pending the charges on my bill.
Consumer complaint received 2021-01-21
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. (CA)

I had a joint credit card with another person thru XXXX XXXX XXXX, this other person had a problem with this band and closed all his accounts and they closed the credit card, they didn't consult me or inform me of them closing this credit card, I placed a call and they told me there was nothing that could be done. even though all the charges on this credit were not mine, I continue paying on the credit on time, there was never a late on this account for the past year or so. 

On XXXX the XXXX of XXXX, I tried logging on to my online banking at XXXX XXXX to make my usual payment towards this credit card and discovered that the account had been removed form my online banking, without any notice whatsoever. I call and was send over to the bankruptcy department. they refuse to give any information. I kept calling to get information on the account until finally on XX/XX/XXXX I was able to get information form the credit card department. they told me that the account was in charged off and she couldn't access the account. I responded that I needed to make a payment on the account and I didn't wanted to be late. she gave me an address and told me to send the payment there. at that point didn't want any more problems with this credit card and I manage to put enough money together to pay it off, and I did I send them the whole amount and paid it off completely on XX/XX/XXXX. 

Until today the account still shows delinquent and charge off on my account. every time I contact XXXX XXXX  they tell me there is nothing they can do. I want as far as requesting a credit report from XXXX on this account and it shows all payment where made on time. 

My credit score before this problem was in the mid 700 and know is in the mid 600. this problem is affecting me greatly and I want all this removed from my credit report, because all the information that wells fargo reported is totally incorrect. 

I was in the middle of purchasing a home and know I had to put everything on hold because of XXXX XXXX not reporting information correctly.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I have been a victim of identity theft and have several negative accounts that were opened without my knowledge. This company continues to tarnish my report after several attempts of asking them to show me how its being verified. Debt was charged off and company still illegally is reporting false information
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (VA)

Sent in a certified Validation of Debt letter to company, asking specifically for a contract stating that I owe the company money for a debt without any contract showing. I have not received any correspondence from company at all. This was sent out via certified mail on the in XXXX and stated received via USPS.
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (TX)

Upon checking my credit report I noticed this unauthorized fraudulent account from XXXX XXXX. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
Consumer complaint received 2022-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : LVNV Funding XXXX XXXX XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2020-07-05
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. (AZ)

Hi I am writing this complaint against Experian and XXXX. Experian and XXXX  both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from experian and XXXX. 
I have also attached my ID so Experian cant falsely say I hired someone to dispute these for me. 

I also want Experian to know I have filed a complaint with the Attorney General Office and my next step is litigation
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

According to XXXX, XXXX and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.
Consumer complaint received 2022-08-14
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. (GA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : 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 ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter.

I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (OK)

Yesterday I was notified by XXXX XXXX  of a new collection from Commonwealth Financial Systems for {$70.00} that hit my credit report on XX/XX/XXXX. I have never been contacted about this debt before, never received any notices that I owed anything, no notification of my right to dispute. There was no information about what it's for aside from " XXXX XXXX XXXX XXXX '', no dates for when the original bill was incurred, no proof that it was actually incurred by me, just a random collection suddenly appearing on my credit report. Who even goes to the ER and gets away with only a {$70.00} bill?! I truly believe this company just makes up debts and re-ages ancient debts that are past the statute of limitations. I disputed it with XXXX  and they removed it immediately, but this is very upsetting. This company has hit my credit with multiple unproven ER bills in the past, all of which were disputed and removed, and I have an active fraud alert in place partially thanks to their antics. I have read many complaints from people stating they were hit with collections from this company after opening a XXXX XXXX credit card and I do think there is a connection. I have a bank account with XXXX XXXXXXXX and I applied for a credit card with them about a month ago, and now all of a sudden I coincidentally have a new collection from Commonwealth. Highly suspicious! I'll be closing my XXXX  account too as they seem to be in bed with Commonwealth.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

To the CFPB ( Consumer Financial Protection Bureau ) I request that Early Warning Services provide proof that I have committed account abuse or banking fraud. 

I have not committed account abuse or banking fraud I was a victim of identity theft, the item on my early warnings report is incorrect. 


I have tried to resolve with EWS directly and to no avail. 
The proof is in my previous CFPB claim. 

Here is my contact information : XXXX IF THEY NEED TO VERIFY MY IDENTITY CALL ME AT XXXX XXXX XXXX XXXX  MONDAY THROUGH FRIDAY.
Consumer complaint received 2022-08-14
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. (GA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), Here is a list of the incorrect addresses that I am currently Seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX ( Previous/In correct Addresses ) There should only be one address listed on my report that is listed on the heading of attached letter. 
I also noticed that my name appears to be misspelled on my credit report. My name only has one Correct spelling, and there should be no variations listed because my name has no variations my name is listed on the heading attached letter I enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Also, Please remove in accurate employers as well as listed below : XXXX. XXXX XXXX. XXXX
Consumer complaint received 2020-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (SC)

I have been trying to shut down my PayPal account for the past couple of weeks. They have shut phone lines down due to Covid-19 but when I talk to chat support they say accounts can only be shut down over the phone. They also refuse to let me remove my bank account unless I provide them with another one.
Consumer complaint received 2015-09-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, 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. (IA)

XXXX XXXX XXXX XXXX refuse to put correct credit history on my Trans Union credit report. My credit history is 5 years and 3 months but Trans Union only sending in 9 months. That is incorrect information.
Consumer complaint received 2020-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

About 8 months ago, I filed a complaint about this company and my serious concerns that they have no competence related to protecting my personal information. I included 2 separate issues in that complaint - they addressed 1, but did not address the other, so I am having to file this complaint again. 

They have not sent me my 1098 in the mail. I have not been able to set up an online account, so I can not access the information online and now have to file for an extension to file my taxes. 

When I try to create an online account, it confirms my user-id, however it does not allow me to create a password - even with the temporary password they email me. It goes into a loop of repeatedly showing the same error message despite the new passwords they send via email. Their customer service is a nightmare to deal with and no one knows why this is happening or how to fix it. The calls run for a long time, the agents pass the buck to one another, but the problem is not resolved. 

Also, my property taxes are now due and they are to pay them out of my escrow account. I am worried that they may fail to make the payment as due. 

I would like to repeat what I had said previously - a company with such bad technology puts users at a huge risk of identity theft. I would like to request as strongly as I possibly can that they be investigated. They do not have the credibility to be a mortgage company.
Consumer complaint received 2019-05-29
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: CURO Intermediate Holdings (CA)

XXXX XXXX XXXX Repossessed vehicle and sold it at a profit. They sent me a letter stating that I still owe them XXXX dollars. I paid XXXX in interest before they repoed vehicle unexpectedly. 

Also speedy Cash is threatening me to garnish wages and Sue me for XXXX in lawyer fees and court costs.. 
The debt is old and they sent me a threatening letter demanding payment.
Consumer complaint received 2024-02-14
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

This is affecting my score showing negative items. This account has been taken off other creditors but this creditor is still sending negative reports to my credit report XXXX  when this has been resolved under identity theft. The number to contact this company is not applicable.Please take this off my report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 
XXXX XXXX  XXXX - Account XXXX This is not mine. 
XXXX - XXXX XXXX  - Account XXXX I don't recall having late payment on this account XXXX XXXX XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXXXXXX XXXX XXXX - Account XXXX Please remove it from my public record
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX XXXX XXXX Mortgage XXXX. XXXX RPM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX