davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I froze my The Work Number credit report with Equifax late last year due to fraud concerns and Equifax 's repeated history of poorly protecting PII. On XXXX the XXXX I login and see that my report is not frozen and has been provided to inquirers. I did not unfreeze my report. I was not notified the report had been unfrozen. 

Actions I took : Froze Consumer Credit Report over the phone Received letter that confirmed freeze was successful Actions Equifax XXXX took : Supposedly froze my report Sent letter with a pin confirming the freeze Unfroze my report at some point without permission or notification ( or maybe never froze it in the first place ) Provided XXXX Consumer report to inquirer while supposedly the report was frozen.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AZ)

This is the second time cash app has took money out of my account and try to cover up their malicious activity. On XXXX XXXX MST and XXXX XXXX MST money was removed from my account balance first XXXX dollars was removed, then XXXX dollars was removed. When I searched my transactions for XX/XX/XXXX it was no record of any transactions that had been made in my transactions history. So I contacted cash app support. Like before customer service sends me in a circle of the same questions instead of an end resolution.
Consumer complaint received 2022-12-13
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. (FL)

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX  XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (GA)

In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account for {$500.00} ; I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.
Consumer complaint received 2023-01-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I am helping my XXXX old mother with her complaint. She lives in XXXX  and occupies the property in question. 

I live in XXXX, not far from XXXX. 

In XX/XX/XXXX my mother closed on her reverse mortgage with XXXX XXXX XXXX. 

M mother was in XXXX XXXX at the time of closing. 

A sum was distributed at closing sufficient to satisfy bankruptcy trustees The trustees subsequently provided a document stating that mother had completed her final payment. 

PHH Reverse Servicing [ XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX says my mother 's mortgage is with their bankruptcy department and, due to bankruptcy law, PHH XXXX XXXX is unable to communicate directly with us or to provide us with any information regarding status or resolution. 

Further, PHH has subsequently filed a proof of claim that appears to be the reason my mother 's bankruptcy attorney can not file papers with the court concluding her bankruptcy. 

The amount of funds in the PHH claim appears to be approximately the same sum paid at settlement to the bankruptcy trustees in XXXX XXXX, a separate sum of {$2000.00} dollars made available to my mother at the time of the XX/XX/XXXX closing. There also appears to be a charge for bankruptcy attorney fees to my mother 's account for {$250.00} on XX/XX/XXXX and again on XX/XX/XXXX. 

Subsequent to the XX/XX/XXXX closing my mother continues to lack access to funds that were supposed to be available following her reverse mortgage closing. 

My mother 's PHH account shows a loan balance of $ XXXX and and an available funds balance of XXXX as of XX/XX/XXXX. 

I need someone in PHH Bankruptcy Department with authorization to contact me so that I can better comprehend the situation from their perspective. 

XXXX or XXXX The files I am attaching PHH already has.
Consumer complaint received 2020-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint is the result of many violaitions to the FCRA committed by capital One- They have been negligent and unfair. They are reporting disccrepancies across bureaus, and they have failed to give me a fair solution to this issue. 

Here the accounts details : 1. Account number XXXX, opened on XX/XX/XXXX, limit {$3000.00}. 
2. Account number XXXX, opened on XX/XX/XXXX, limit {$9500.00}. 
3. Account number XXXX, opened on XX/XX/XXXX, limit {$750.00}. 

In order to make the work easier for Capital One, I have attached proof of all my allegations. Mu demand is to get the three items removed from my report. 

Attached documents for Capital One. 

Thank you.
Consumer complaint received 2022-05-02
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: CITIBANK, N.A. (FL)

Macys Credit Card Account : XXXX Macys pulled my credit without my consent. 
I spent hours and weeks. I tried to properly communicate with the Macys store. Poorly trained and when I tried to kindly address the situation to resolve it. I received very terrible responses. I did not create this problem but yet I have to fix it and call, inquire, question and it horrible the few that actually know what they are doing. Now we are going into XXXX and inquiries are still on my credit reports. I am also filing an XXXX since Citi bank is financial institution on the Macys card. This has taken so much time and because of these actions I have returned a {$1000.00} of purchases. I have emailed the ceo and contacted the executive office of Macys as to make sure the complaint is well known. Its sad how people hate there job at Macys and do not care to be ethical. It dies not take XXXX months to remove an inquiry/inquires. 
Its horrible to spend time of non sense because the system is broken. Look at the thousands of complaints on line. This will not be tolerated and accountability should take place. Absurd that XXXX person dos not handle!
Consumer complaint received 2021-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC. (WI)

I have filed multiple complaints against osla concerning student loans on my accounts I have requested information containing these accounts that a negatively impacting my credit reports I cant get no credit because of inaccuracies with dealing with this collection I dont have a copy of any contract agreement payment terms or any information that I would need I have contested this debt numerous of times and all I get is the same reply Department of education says we cant release information about your loan but the thing is I dont work for the department of education or osla I have rights that are being violated for sure you cant deny me access to information concerning a collection that is placed on my credit report the department of education hasnt confirmed this aligation of not releasing information and by law can not deny me information about an account associated on my credit report if this is the case then if they arent presenting verifiable information then you must remove the account thats FCRA my right to contest any inaccuracies or unverified information which they are stating that they are not denying or confirming any debts at this moment it must be removed
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

As a member of the bank for close to two years I noticed that my institution is avoiding that they are insurance backed ( FDIC ) for my safety. Relatively speaking on a more recent case I the customer have submitted a case in the amount of {$610.00}. To sum up this incident, The merchant ( XXXX XXXX XXXX ) sold me a product that was not described. I immediately contacted my bank to file a claim and to let them know that I am immediately returning it and also to point out that the sale was frivolous. The bank then took my claim and processed it. They went back and fourth with merchant without involving or taking my allegations serious. I the CUSTOMER had to do ALL of the hard work providing documentation and also directly putting myself in harms way by personally asking for documents directly from the merchant which my bank should've done. Recently speaking I called my bank to escalate claim because at the moment they were dragging feet and also didn't want to provide me any updates for over a month. The Bank asked me the consumer to submit documentation, I provided a receipt from merchant siting that items were returned on XX/XX/2023 and was time stamped also, Merchant also provided me with a document stating they were not disputing the claim because items were returned. Since claim was filed before merchant received items they provided me with all document that items were returned and also that my bank should return my funds per investigation ending. The merchant did it this way to prevent double credits which would incorrectly increase account balance and be taken back on a later day by banking institution. As for my Banking institution everything was provided to them to credit my account. The bank answer to me was they denied the claim. Bank was given all information to return my money on there own through dispute especially after merchant agreed.
Consumer complaint received 2023-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (PA)

L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX
Consumer complaint received 2019-12-26
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. (GA)

THIS IS NOT A DUPLICATE. Equifax credit bureau received evidence showing a collection account reported on my profile was cancelled as a collection due to fraud. However, Equifax continues to give me misinformation. I was initially told the account XXXX will be removed no later than XX/XX/XXXX. As of the date of this complaint, the supervisor told me the time frame is 30 days. XXXX, and XXXX   removed the account as fraudulent. For some unknown reason Equifax continues to allow that report to remain.
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (GA)

There has been an identity theft on my transunion credit report as someone is trying to apply for credit cards using my name and my SSN. There is an unauthorized hard enquiry on my transunion credit report with the name XXXX XXXX XX/XX/year>
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I submitted a written request to Experian disputing inaccurate/incorrect information I discovered within my Experian credit file. For the following : XXXX XXXX XXXX  {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Experian. Experian did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Experian reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (TX)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I received a check for about XXXX $ around the end of XXXX, then on XX/XX/XXXX, I went to the nearest Wells Fargo to cash the check. Once I cashed it out, I went to the ATM just outside the bank to deposit the money. Once I deposited the money, I attempted to withdraw XXXX XXXX I was given an error on the ATM stating there was not enough money in the ATM. I didn't understand why there wasn't enough money since I just deposited XXXX $ shortly before but I didn't think too much of it at the time. I went back into the bank and withdrew the money from the front desk. Once I arrived home, I check my account balance on my computer and noticed a XXXX $ withdrawal transaction between the XXXX $ transaction and XXXX $ withdrawal. I immediately went back to the bank, checked the ATM just in case, then walked into the bank to ask about this transaction. I explained the situation to the bank teller then I was told to call the support number or file for fraud on the website when I got home. That was my only option so I did exactly that. When I arrived home, I submitted a case about an unauthorized ATM transaction. I was to receive a new debit card within 5 to 7 business days. On XX/XX/XXXX, I was told through email that the case is being looked into. Not long after, I checked the status of the case and it said " closed ''. I didn't receive an email or phone call pertaining to the closing of the case, it was just closed one day. I called support where I was told there was nothing they could do about it since the case was closed.
Consumer complaint received 2021-10-06
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

I can't give you dates because these people ( Midland Credit Management XXXX XXXX XXXX ) have called me up to 3-4x a day since XXXX of last year and I have requested that they QUIT calling me NUMEROUS times. I have also been called at XXXX, XXXX, before XXXX, you name it, they've done it all. 

I block their numbers, they come back with literally 50 more, probably using a XXXX phone pool of rotating numbers. I think I reported about 20 of them the other night. 

They also refuse to announce who they are, only claiming that they're calling about a " Business venture '' in which I made a caller slip up on a call because she failed to claim our call was being recorded until AFTER I called her out on shenanigans in which she announced who they were and why they were calling. 

I have had them tell me they can't stop calling me unless I send a written letter, this is also a lie. When I tell you " Stop harassing me '' and you continue to do it, that's legal grounds. 

Listen, I'm fed up and these stalkery, creepy people with a bad business plan aren't my responsibility. Buying debt is XXXX. They can go under and deserve to. 

Tell them to take it up with my strawman account while you're at it. Americans aren't playing this fake debt game anymore.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021