davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

On XXXX XXXX I received a credit monitoring report indicating that I had a collection item added to my report. I immediately checked my report and noticed XXXX  had a collection account on my credit report from Security Credit Services. I immediately contacted this place as I pay all of my bills and have no clue as to who this business is. The said they have an account with my name from a place called XXXX XXXX  XXXX. I explained that I had never done business with a place called XXXX XXXX XXXX and have never heard of this place. I called XXXX XXXX  XXXX and asked who they were and what has been placed in my name. I was told an XXXX XXXX was purchased and that no payments had been made. I explained that I am not the originator/owner of this transaction and that the account is not mine. I let them know clearly this was fraud. I disputed the fraudulent item with XXXX. I then called the police to file a report. I filled out a Federal Trade Commission Identity Theft Report, I got an affidavit of forgery and a 605B form. I sent this information plus my state issued ID to CFPB and XXXX, after the XXXX  dispute ( I wanted to be thorough in my dispute ). XXXX  responded and has since removed the item. Soon after, I received actual mail from Security Credit Services which lets me know that XXXX  shared the information I submitted with them since that was my first time ever having correspondence from Security Credit Services. The letter demanded the same information I shared with XXXX  and CFPB ( ID, affidavit of forgery, ID theft report. They also sent a copy of the fraudulent contract with a debit card number and an email address that clearly are not mine. I am curious as to why they do not have an ID or address on file for the person that fraudulently used the last 4 of my SSN. They had a debit card on file ending in XXXX on file which made a payment on XX/XX/2020, and there after has failed charges. This is not my card. They also have an email address on file that is not mine. This company has received the necessary documents from XXXX, so I am taken back at the fact that they had the audacity to use the information from XXXX  to contact me knowing that this account is fraudulent. Again, this account is not mine. XXXX  has provided my documentation ( ID, Police Report, Affidavit of Forgery, FTC Identify theft report, 605B, Identity Theft letter and cover letter ) to Security Credit Services and XXXX  has since removed the item from my report. Security Credit Services has no need to contact me as they were given the information from XXXX  proving this account is fraud and ID theft. It is unclear as to why they would use the same information I gave to XXXX  in order to make contact me and request for the same documentation.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act 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 2021-07-22
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)

Transunion has detrimentally hurt my reputation by reporting and exhibiting false/misleading information to my consumer reports - totally disregarding my consumer rights and also the consumer laws to which they are governed. 

I have tried to resolve this issue with this reporting agency on multiple occasions with certified mail and notarized factual documents. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 **And I have kept a copy of all mail/documents for legal proceedings. 

I am also truly hurt that I have tried to resolve this issue with you all, the CFPB, as well and unfortunately you all have not yet held them accountable for total disregard of consumer rights and laws. 
XX/XX/2021 This info is exhibited by violations in my attachments. 

Enclosures : - Laws violated - Affidavit of Truth - notarization - Invoice to be paid by XXXX for each violation of my consumer rights ( {$5000.00} )
Consumer complaint received 2024-09-02
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-08-19
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 attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the inaccuracies.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent documents to TransUnion several times and they have not taken the bankruptcy off my credit report yet. I sent them information in XXXX of 2021 and they ask for my ID I provided that and it's still on my report. I am totally frustrated and it seems as if no one follows the law there at all. I am ready to file a suit against them.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (CA)

In an effort to improve my credit score, I found a company called Self Inc., also known as Lead Bank Self Lend.

By making payments into a savings account, they would report a positive line of credit to the 3 Credit Bureaus. Also, at the end of my term, I can collect on the savings I've built.

Unfortunately, I had to cancel the service and in doing so ; the expected outcome is that they would refund my money saved.

The point of this dispute is that the company attempted to automatically withdraw funds from my account AFTER I already closed it ... .AND the funds received from my savings account was far less than what I had saved.

# 1. Records show ( see attached ) that I closed my account on XX/XX/XXXX at XXXX. According to my bank, I had no pending charges from Self Inc. 

But on XX/XX/XXXX, a pending charge was triggered which resulted in an over draft fee with my personal bank PLUS a {$15.00} return fee with Self Inc.

So ... if I just closed my account, how can this company continue to automatically withdraw funds??! 

I raised my concerns with them and their response is that they attempted to withdraw the money on XX/XX/XXXX. But again, my records show that the transfer wasnt attempted until the XXXX. 

And all other payments ; according to my bank was on the XXXX of each month. 
# 2. Records show ( see attached ) that my savings balance was up to {$75.00} ... but the amount received was {$36.00}. I have no clue as to why I only received half of what I saved, and their records arent clear on how they arrived to this amount. 

I regret that I have to go to this length to collect on money I've saved, but I feel it necessary to resolve this dispute. 

Should you have any questions about this claim, and it's attachments. I welcome the opportunity to discuss this further. 

Thank you.
Consumer complaint received 2022-10-13
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. (MO)

I am submitting this CFPB complaint as a follow up tp the previous CFPB Complaint I submitted on XX/XX/XXXX. This is my fourth endeavor to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to question specific records in my document coming about because of the crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that are reporting on my Credit file. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Pleas have the following items deleted completely from my Credit File : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is My E-mail is " XXXX ''
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

1. On XX/XX/2021 - I opened a XXXX Checking account online at XXXX and applied a coupon. The coupon is : Make two separate {$1000.00} deposits and get {$400.00} bonus. Here are the details about the coupon recorded by a third party. https : XXXX XXXX. On XX/XX/XXXX - I deposited the first {$1000.00}. 
XXXX. On XX/XX/XXXX - I deposited the second {$1000.00}. 
XXXX. In early XXXX ( before XX/XX/XXXX XXXX - I called the Capital One customer service. I was told that I have successfully applied the coupon and the bonus would be in my account before XX/XX/XXXX. 
5. In early XXXX ( before XX/XX/XXXX XXXX - I called again and they told me the bonus will be in my account before XX/XX/XXXX. 
6. On XX/XX/XXXX, I called again. This time, the specialist told me I would not receive the bonus because I was not qualified for some reason, but the reason was unknown. 

Based on the above facts, I believe it's totally fraud and thus report it here.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P. (FL)

I awoke today to an email from the XXXX XXXX App stating that a new duragotory remark was added to my credit. This is from a company I do not recognize. Please verify the debt and that the info is accurate. This debt is likely too old to be collected given the current statute of limitations. Surely not proper notification by the fair debt collection practices act was followed. I do not think this debt is valid. Additionally I am financially impacted by covid19 natural disaster at this time. Please remedy by removing this from all negative credit reporting. Do this for all agencies you report to ; on both XXXX XXXX XXXX XXXX Please also provide me a written letter of exhoneration once this is completed. Your mishandlings on this file and any companies you may have bought this debt from are invalid. Please remove to avoid legal action and civil lawsuits for the aforementioned mishandlings. As you know false reportings and negative credit reporting greatly impacts ones life. Shame on you and the company who escalated this to you. Remove asap!
Consumer complaint received 2021-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

First of all, why is there no option for complaining about the actual credit reporting agencies themselves? THEY ARE THE PROBLEM!!!!! 

The idea that they use some consistent scoring system is absolute nonsense. There is zero consistency. One agency has a score over 50 points lower than the other, even though they're dealing with the exact same information. Unacceptable. XXXX XXXX? It's a joke, or, maybe the people utilizing it don't understand it enough. If this were a math class, they would fail ... 

I want to see the ability for consumers to file disputes with the actual ranking system itself, and the results, for each of the reporting agencies, and further, these disputes should also be part of the report. At this time, there is literally no means at all, for any of them, to file a simple dispute as to the determination, and that's absurd. There should be, and they should be required to respond to these disputes immediately ; not in two weeks, or a month, or whenever they feel like it. Immediately. They made the determination, and they should be able to answer for it on the spot, like any other responsibility. 

I'll say this again : if they can't perform their function consistently and evenly, they are a detriment, and we do not need them. Do your job, and get them in line, or shut them down.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with Equifax directly. The dates are as of said disputes are as follows : XXXX XXXX ( no response ), XXXX XXXX XXXX XXXX The accounts in question : US Department of EducationXXXX Equifax continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an Equifax representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident Equifax is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

Well I use to have a XXXX XXXX card however the company closed. However about an year and a half ago I go really behind so I set up a payment arrangement through the company where they would take out so such money from my account which they did for a whole year tell my account was at XXXX. The payments were to be removed by ACH. With the company closing I tried to utilize the XXXX dollar balance that was available however all the stores had close 3 days before what was weird is I had an available line of credit of XXXX at that time I owed nothing then Comedity bank started calling threatening me that I owed them money nevertheless the had been taken money out of my account by ACH every month. It's not my fault that they failed to uphold the negotiated arrangements. This has had an adverse impact on my credit I have called them and spoke to them about this matter several times but they have been very unprofessional and refused to look into fixing there own mistakes. It is very unfair because you can't actually log on to the XXXX XXXX  app. That would verify the amounts but there is a break down prior to the company closing and the bank that finances there credit cards.
Consumer complaint received 2021-06-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I contacted Experian by mail with dispute/methods of verification letters asking them verify/validate a collection deb they say is accurate on my credit report with XXXX XXXX XXXX XXXX on XX/XX/2021. In return, they sent me a copy of my credit report with no documentation supporting their methods of verification of how this account is mine. Also, they sent an email stating this account is mine and accurate. Experian sent no contact information of who they spoke with at XXXX XXXX XXXX XXXX and did not give supporting contracts with this company. I am continuing to dispute XXXX XXXX XXXX and Experian because they both are continuing to report this account as open and accurate on my credit report without any justification and my legal rights to obtain all of their supporting documentation that legal indicate this account is mine.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (NY)

Td Bank/Td Card services has been illegally upcharging interest on my credit card bills. For example, Td Card Services charges interest on debits that have been refunded. Td Card services/Td Bank also claims I paid late, when I never did. In fact, I have proof via their outdated faux-app which is merely a website saved on an iphone/android homescreen that proves i paid, yet TD charged me late fee 's regardless of the fact. I have reached out to TD via phone, mail, email and even social media, to no avail. I have screenshots, screen recordings, call logs and countless pieces of proof that shows the negligence and outright illegal acts TD has displayed. I am a XXXX veteran, regardless, TD shoud n't be taking advantage of any one person, whether they served the United States Military and was rendered XXXX due to valor on the battlefield.
Consumer complaint received 2021-07-22
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: National Credit Systems,Inc. (CO)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.