davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (LA)

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed. 
Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX  of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX 

IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX
Consumer complaint received 2021-12-14
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. (AL)

XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK (CA)

I had the misfortune of having my account transferred without my consent to Cathay On XX/XX/XXXX, whose negligence is truly relentless. They sent me an ATM card instead of a debit card, which for no reason would not link to my account and could not be activated, but they were so negligent they didnt even realize what the error was. I wasted entire days trying to activate the card, and dealing with their customer service ; not only did they send the entirely wrong card, their system and agents had no idea it was the wrong card, what was happening and why, and I could not tell why it was not being registered. It was impossible to reach anyone at Cathay for hours on end because of their utterly faulty system ; when you did, they had no idea what they were talking about, and would only transfer you to a local branch. As I stated to them multiple times, I would be away the rest of XXXX ; even after it knew of its errors, the bank did nothing at all to expedite a replacement card, so I received a useless pin before I left and no card, still had no access to my account after a month, and had to make repeated last minute alternate arrangements to get money for my trips. I did not have any ATM access for almost two months because of their negligence. I can fully document all the calls I made, being on hold for hour after hour, day after day, my travel, my damages, and dozens of separate instances of Cathays negligence. It would take me three pages to outline it all, and the bank already knows of it and could not care less. This is an open and shut case of repeated gross negligence compounded endlessly by the banks transferring to me to local agents instead of anyone who could address the matter, and complete refusal to accept any responsibility for its negligence. Then, months later, I tried to find out if I need to set up a travel alert to use my AT card and what the fees would be, because, unlike any competent bank, that information is not available anywhere I looked on their website. I emailed their message system multiple times over 8 days without reply, and emailed XXXX XXXX, an alleged VP twice, and his response, without bothering to answer the question, was that he was forwarding my complaint to the legal department. I can not tell the incompetence from the animus and recalcitrance. Its astonishing they have a license to operate.
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXE-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-07
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: SYNCHRONY FINANCIAL (IL)

Unauthorized inquiries on my account I have a case for that was never resolved and it has been well over 30 days SYNCB/PAYPAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX promised to look into the investigation for me, but I still have not been updated, they are well aware that it has been more then 30days, but they are not taking any steps in my defense to resolve the issue. The additional inquiries has negatively affected my potential loans in the previous months and I want justiceI talked to the bankers who also said they would send notice of a inquiry to XXXX  for the removal on behalf but nothing has changed.
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (AL)

I received refunds totaling about {$550.00} and when they cleared my account they posted as a debit instead of a credit causing overdraft. I paid an additional {$550.00} so they owe me a total of around {$1100.00}. I have contacted them numerous times but they will not help, they just read from a script and will hang up on you.
Consumer complaint received 2022-05-05
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (FL)

I was recently swindled into thinking my PayPal was overdrawn in 2019 and was sold to these guys who sent me a letter. Upon contacting XXXX XXXX XXXX questioned where the charges came from as PayPal typically withdraws immediately and literally no one couldnt tell me why, rather, they kept saying that I was requesting validity so I went with it. Furthermore, I contacted PayPal and they stated it was true that I had an account in 2019 that was sold to XXXX XXXX, however, PayPal could not see any details as to why or how my account went overdrawn and was informed that all information is no longer viewable through PayPal and ALL information was sent to XXXX XXXX. I once again call XXXX XXXX and was transferred to a compassionless woman who stated she didnt need to provide validity and continued to condemn me for not making payments on an account I had no knowledge of and ended the call ( what XXXX XXXX ). Ive never owed anyone so I payed the balance the same day as these calls ( XXXX hours of back and forth ) and received a letter today dated XX/XX/XXXX stating Based on your stated dispute we have ceased collection on this account. 
I contacted XXXX XXXX and spoke with a XXXX ( rep ID XXXX? ) to request a refund due to not be able to validate debt and he denied my request for a refund asking me Are you saying this isnt your debt?
Consumer complaint received 2021-12-14
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-14
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ALLY FINANCIAL INC. (IN)

This debt collector continuously calls monday through sunday from XXXX XXXX XXXX XXXX until XXXX at night. They call at least 3 or 4 times a day and I have paid some amount onto my debt but I can only talk to one representative to pay on it without them giving me hassle and saying I have to pay it in full when I am trying to pay at least some of it. They are very rude too when I answer the call or say I do not have money at this moment but I can pay later. They say they can only take the full amount even though I have an arrangement with a representative. It is quite frustrating and they are constantly harassing me.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dating back to XXXX XXXX2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, Equifax, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, Equifax, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I submitted complaints to these CRA 's over 30 days ago and I have been told several times over the phone that they have not received my complaints so I am attaching them for confirmation that they actually receive them and do investigations this time. 

These CRAs think that they are above the law and do not have to comply with Fair Credit Reporting Act nor XXXX XXXX Compliance Standards. Their credit reporting is not fair nor equitable for the consumer being reported on.
Consumer complaint received 2021-12-14
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. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-11-29
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (WY)

I received emails indicating that 2 accounts had been opened in my name and that standard overdraft coverage for ATM had been declined. I never opened any accounts with Regions Bank and tried calling them to resolve the problem. They would not look up the accounts without me giving my social security number. They told me to file a complaint with the consumer finance website.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Balance Due {$350.00}.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I was denied credit through XXXX Bank on or about XX/XX/21, and a Experian credit report was utilized. I attempted to contact the aforementioned credit reporting agency to obtain my report within the the allotted free period at XXXX, this agency makes it extremely arduous to obtain your report through the mail. In fact, they require you to send a signed statement in the mail. Through this complaint, immediately, send me a complete copy in the mail of my Experian credit report for which I am entitled to.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (NJ)

I applied for a refinance home loan with cash out to add a addiction to my current home. I ask ALLY BANK to assist me on the process. I submitted all documents and paid for a appraisal. The appraisal came bank and we supposed to be going to underwriting for final process. Well I been speaking to representative on the XXXX XXXX that cant not disclosed loan information to me or my accounting. That was a red flag and why im reaching out for help. I submitted all documents and Ally ask me to secure {$15000.00} before closing. I think this practice is recipe for disaster for my family. The interest rate is way to high 4,5 %. The new mortgage payment is {$2400.00} I'm currently paying {$1800.00} a month. My current mortgage is {$210.00}. I need assistance o what's my rights and why I'm being drag out on practices that only benefit them. Ally XXXX XXXX XXXX  Mortgage is XXXX companies and im very confused on who is what and who mange my documents,
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting act AD XXXX 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 an account without my written instructions.
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
Charge Off : XXXX {$0.00} XXXX OF XXXX {$0.00} XXXX XXXX {$3900.00}
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This Bureau just keeps lying in their responses to you. They say they're going to do something, then when I run my credit I find out they either made more errors or never corrected the items. So they send me their version of a fake report claiming to have made corrections but didn't in reality. So when I run my reports monthly is when I find the errors are still there or worse! I am demanding the information below be removed per my last few complaints to the CFPB that remain in error! If they don't do it right this time they'll be staring down a civil law suit! No one can be this XXXX! But they seem to be! This is why they should not be trusted to handle any consumer information, they're constantly screwing up! 

1. XXXX still remains on my report as an employer when I haven't worked there in XXXX  years! I'm tired of demanding it be removed! Remove it or I sue! 
2. They deleted my current street address ( XXXX ) from the report & replaced it with a XXXX  that I never had! XXXX XXXX & XXXX are current! See attached. Fix it now or I sue! 
3. They " added '' an address that is NOT MINE to my report! See attached. I got a notice from my credit monitoring service recently & now this is on my credit as a " previous '' address when it was NEVER my address! I've only had XXXX XXXX in UT! Remove it or I sue! 
4. XXXX XXXX XXXXXXXX - comments about my having disputed this account when I NEVER DID & demanded numerous times it be removed, remains on my report! If they can't fix it then they need to permanently delete the account BY LAW since they keep screwing this up! I never disputed the account so they either remove the comments or permanently delete the account per the law! See attached. If it shows back up I will sue!
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX