davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CT)

XX/XX/2019 To : CFPB To Attorney General Re : Online Collections A copy of this letter has been sent to the attorney general. 


CFPB this collection company needs to be fined. They continue to put this account in my credit report. I have had this removed many times. I request that this company be fined {$1000.00} They are illegally continuing to put this in my credit report. I do not owe them nor their creditor any funds. This company needs to be shut down. They are preying on people who they believe will not view their credit report nor fight it. This company in the past have had their representatives type up fraudulent documents to concur a bogus balance. Also please file a complaint against this company for using my personal information I never gave them. 

I requested you investigate this company and the tactics they are using to prey on people to send them money. This is a dispute that has been going on since XXXX. And this company still continues to bring it up. I will not and am not ever paying them a dime. I have stated this to them and the credit bureau which are now investigating due to their negligence of allowing this back in my credit report. 

Re : Dispute Company Online Collections I never received a loan from this company, nor do I owe them any money or their creditor. No one has received an account in my name nor had an account with them. They nor XXXX have produced to me any legal invoice or records of such debt again for XXXX this company is preying or poor people to buck and pay them. 

Request : Please remove from my credit report Re : Credit Report Item Number : XXXX I do not have a balance with, Online Collection Nor do I have a balance with XXXX please remove from my credit report. 

What is their validation of this account again in which has been put in my report 22 times over 10-year period and taken out every time how are these people able to do this again? I do not have a balance with neither company. Account Info Tap labels for more details Account numberXXXX Collection opened date reported in my report XX/XX/2019 this is  a lie and false Account type Collection Department / Agency /  Attorney {$180.00} Thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had a previous medical condition relapsed causing me to be hospitalized for treatment from XX/XX/19 through XX/XX/19. Capital One closed my account because there were payments that were being returned as unpaid. Since I was receiving treatment not only did I not know my account was closed but I was not able to have access to a phone or computer to contact them to stop the payments and preventing the payment on XX/XX/19 in the amount of {$290.00} and the payment from XX/XX/19 in the amount of {$10.00} returned unpaid. I contacted customer service regarding the closure of my account and eventuall started working with a manager in the fraud  department. I explained my situation and that my intentions were never to have the payments returned. He had me write a letter and I sent it in along with a doctors note showing the dates I was recieving treatment. I advised I was on an unpaid leave during that time. However after they reviewed my documents they declined my offer. However I am wanting to get this resolved because why would they hold a customer accountable for something I was not able to prevent from happening. I have made ALL my payments on time along with additional payments up until I got sick. For a reputable credit card company I am shocked they will not take what happened to me inconsideration and see I never had issues with payments before. I was advised in the credit card agreement it states after one they can and have the right to close my  account. I get that however it could of been prevented if I was able to have the access to do so. I Have attached the letter that I sent to Capital One and the doctors note I can send the leave paperwork from my work as well if needed. Please help me get this resolved and possibly reopen my credit card account with Capital One.
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I have never been to a doctor named XXXX XXXX XXXX. According to his website he's a XXXX. I have never been to a XXXX in my entire life, nor have I ever been to the city where he practices. I have disputed this collection account which says I owe over {$3000.00}, numerous times but every time I dispute it they just increase the balance causing my credit score to go down. I do not owe this bill. I have had XXXX   for over 10 years so any medical bill is paid by XXXX. So I know I never was a patient of XXXX XXXX XXXX as his area of practice isn't covered by XXXX.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/2022 my XXXX account was hacked and suspended. Later on the same day, in an effort to regain access to my account, I called a " customer support '' for XXXX that a trusted friend shared with me. 

The people on the other end of the line were incredibly convincing, telling me that my XXXX account was suspended because scammers had accessed my financial information from XXXX XXXX. They even took me to a website that showed me where in the world people were hacking my account and showed me profile of a man named XXXX who was the key hacker they were going to report to the FBI. 

They convinced me to download a screen sharing app on my phone so they could help me identify any fraudulent charges on my Chase accounts and asked me to transfer {$1000.00} via XXXX to one of their accounts, XXXX XXXX with the email XXXX, to verify I was the owner of the account. I hit " cancel '' as soon as the money was sent fearing it wasn't legitimate, not knowing that XXXX transfers can not be cancelled. They then told me to download a XXXX app and deposit {$10000.00} in a local XXXX ATM with my ID and a XXXX code that they texted me. I was still sharing my screen when I enrolled in the XXXX app so they were able to see my face and my drivers license and potentially take screenshots. They told me hackers had all my personal information and were trying to make unauthorized purchases on XXXX for that amount and that if I did it with my identification verified it would cancel the fraud transaction they were attempting. The XXXX ATM required a debit card, which I did not have so I was told to go to another one as close in the area as I could. I was very uncomfortable and starting to get a lot of red flags so I only deposited {$50.00} to check their story and it was not what they had told me would happen over the phone. 

They got very angry and even more so when I wanted to get off the phone to call someone else to clue them in to what I was doing. They told me if I hung up it block their secure connection and the hackers would be able to drain my bank accounts. I asked them to send me an email to confirm they were actually with XXXX and they refused. They said XXXX had sent me enough notifications about the status of my account. They even wanted me to say " I will not blame XXXX for any money that goes missing from me account '' before they would give me authorization to hang up ( which I did not say and hung up anyway ). I then realized that they were scamming me and did not move forward with them and more. 

My bank, Chase, was unable to help me with the XXXX payment I made since it was due to a scam/fraud. They encouraged me to file a report with CFPB with hope you all may be able to assist or help get the money back.
Consumer complaint received 2022-10-12
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. (CA)

on XX/XX/2022 I called Experian about a collection account on my credit report XXXX XXXX XXXX XXXX XXXX Report # XXXX for XX/XX/2022 sent to my address on file from Experian. The results clearly state that THIS ACCOUNT IS SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX XXXX when I called to remove account I was told that the information is inaccurate and that this account meets Fair Credit Reporting ACT. yes the report is inaccurate when the original balance was {$1400.00} now XXXX years later it jumped to {$2300.00}. how does it meet requirements when it is not XXXX XXXX accurate.. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 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 ;
Consumer complaint received 2022-05-02
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. (GA)

Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need transunion to do what they need to do this is becoming a headache
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this XXXX XXXX XXXX XXXX  is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2022-09-27
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. (MD)

Since XX/XX/XXXX I have patiently waited for XXXX, TransUnion and XXXX to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX XXXX completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX XXXX completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX XXXX completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
TransUnion account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and XXXX, TransUnion and XXXX have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the XXXX, TransUnion and XXXX is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.
Consumer complaint received 2020-12-07
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. (CA)

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?
Consumer complaint received 2022-05-24
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: Resurgent Capital Services L.P. (WI)

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens Banks has incorrectly updated my credit report which has adversely impacted my credit scores and ratings in a negative way. In the comments section of the report Citizens Banks is reporting that the account was paid by the dealer. This is incorrect as I paid the account balance in full and have provided a letter to verify this.
Consumer complaint received 2019-12-12
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. (TX)

I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number XXXX.
Consumer complaint received 2019-12-12
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. (FL)

I checked my credit report ( # XXXX ) and saw incorrect addresses i never lived at. I tried disputing the address but a message stated I can not process a dispute online. The addresses that do not belong to me are because I Never lived there are : 1 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX XXXX, FL XXXX. This Address was reported to XXXX  by XXXX XXXX and this account is currently under dispute for incorrect information and 2 ) Address ID Number : XXXX for XXXX XXXX XXXX XXXX, FL XXXX. 

There are also incorrect versions of my name that need to be deleted : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have attached my ID to verify the spelling of my first, middle and last name. My current address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX but I have not gotten my Drivers License updated as of yet.
Consumer complaint received 2020-06-08
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: Fidelity National Information Services, Inc. (FNIS) (KS)

ChexSystems has now had 2 previous reports with CFPB filed against them relating to finromation that is being reported by XXXX  XXXX XXXX. In their most recent letter they have provided a signature card, but the signature card has nothing to do with my account that i am supposedly responsible for. Therefore, as per the FDCPA I demand that this information be rmeoved from this report
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (AZ)

On XX/XX/XXXX I disputed a unauthorized transaction with NetSpend All access in the amount of {$200.00} and zero cents. I was notified by the dispute department by email to write a letter of dispute within 10 business days to the department requesting the credit back to my card. I did that. I received a email after that stating that I have until the XXXX of XXXX to receive this credit back to my account. On XX/XX/XXXX I was notified over the phone by NetSpend that my dispute was closed and that they do not find any error with the the transaction. Stated that the transaction was valid and that a full investigation was made and they believe that because the transaction was made at a known merchant of mine and because I didn't change my pin before this happened that the transaction was valid and they are not issuing the credit back to my card. I called the same day of the incident and reported that my card was used and I do not recall and did not authorize the transaction. I said that " IT WAS NOT ME MADE THE ATM TRANSACTION ''. I was told that I will get help and this charge will be disputed, and on XX/XX/XXXX I was told that I can not receive my money back because NetSpend feels like there was no error found. I believe that if I call and say my card was stolen and I did not make this transaction, that is a error that needs corrected. NetSpend did not correct this error and their reason was because I have used that mechant before. I am desperately trying to recover the {$200.00} that was stolen from me and it is so not fair that my money was taken and NetSpend will not do what needs to be done to give it back. I am filling a complaint on the dispute because I know in my XXXX for a fact that NetSpend All access is wrong. If my money was wrongfully taken from me and I reported this in a timely manner, there is no reason why I shouldn't get it back. I did not receive a copy of the investigation that was supposed to be sent to me by mail and email. The supervisor I spoke to was vXXXX XXXX I was hung up on twice. I am completely feeling robbed with out any answers, this is very hurtful, I've gotten sick during the fight for my money back and I'm tired. Can someone from this Company please reach out and help me. This is my first time having to file a complaint with the cfpb.
Consumer complaint received 2020-06-08
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. (NY)

XXXX XXXX XXXX reported to TransUnion on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. 
I recently checked my credit report and XXXX has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. XXXX XXXX XXXX is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.