davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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: Security Credit Services, LLC (MI)

I received a notification from my XXXX XXXX account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from Security Credit Services . In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called Security Credit Services. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, XXXX XXXX XXXX. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX XXXX, XXXX headphones and couple of other things. She said I could dispute the account at info@securitycreditservicesllc.com. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and Security Credit Services to the XXXX XXXX XXXX. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to info@securitycreditservicesllc.com. Which I did. 

XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.
Consumer complaint received 2021-12-18
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. (TX)

Transunion, XXXX, XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : XXXX XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by XXXX XXXX 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (MS)

I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call Regions bank but they would not help me. I have payed this account off and I want it removed from my credit report.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report XXXX XXXX is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also XXXX XXXX is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )
Consumer complaint received 2022-08-01
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)

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX XXXX : XXXX Transunion : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active day is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : 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 2021-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Awhile back my XXXX holder for my vehicle began adding amounts to my auto debited monthly car payments, claiming it was for car insurance, because they claim I didn't have any. My car insurance coverage is debited from my account automatically so I didn't understand what my car company meant. Because they included it with a regular monthly car payment, I had to request them pay me back which the 'manager " XXXX and XXXX XXXX XXXX. I even deposited it into my bank again to cover the excess they took out which would have effected other bills I had to meet. 
Needless to say they did it again this time separate from the car payment, but none the same using my method of auto pay. I asked my bank to stop payment as it was pending 2 days before due according to my car loan agreement. Yes I also asked for the funds to be restored as usable to my account to meet my monthly needs as I can handle my own affairs that XXXX not involve a bank debit, etc. I XXXX need the cash. Simple. 
It is mine per deposited earnings, right???? Maybe I'm confused? I doubt it. 

I was told to submit a claim online through the online access set up. I did. The funds became available. This wasn't the first time so My car loan was taken off auto pay and I pay them cash -- if there. My bank has reversed their decision. 
They claim they believe the car ( XXXX XXXX ) dealer, XXXX XXXX, as to the outrageous claim of no insurance though my account reflects a monthly auto debit ( {$120.00}, paid to XXXX XXXX XXXX ) to cover the premium. Shouldn't my bank look there? Something's amiss. 
Yes I declared they were being XXXX as to taking sides when the evidence is within my account. Totally 'sic ' My words to XXXX XXXX Chase Bank XXXX a XXXX she claimed. Same as the call from XXXX -- branch escalation group -- XXXX, XXXX. People working from home or not... they way business is being treated seems off especially when I can alidated my time and use of my account and all other transactions not ones I'm authorizing yet this XXXX XXXX don't deserve the consideration to change the results and activity yet alone I don't have the right to challenge what's going on with my money. 
About XX/XX/2021, XXXX allowed a debit from XXXX 's XXXX XXXX, of XXXX, TX, claiming I charged {$100.00}. worth of services. XXXX is like XXXX miles from my residence. I wouldn't know where to service my car and never would in XXXX. XXXX I don't live nor frequent the area. Someone want 's to tie up my activities in XXXX loyalties... I am not playing that sickness with my money nor career.
Consumer complaint received 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-28
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 (MI)

I am a federally protected consumer I contacted Capital One on XX/XX/2021 regarding my account. I specifically told Capital One that by law pursuant to 15 usc 1602 ( j ) they have not balanced out my open ended consumer credit plan. This account is associated with an open ended consumer credit plan as described in 15 U.S.Code 1637. I am aware this account has not been balancing out every month using the funds from the trust account from my principal obligor. I demand my open ended consumer credit plan be corrected and to balance out my account every month to rectify the bank errors caused by mismanagement of payment. Without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. 
I also stated that according to 15usc 1692 the fact that they say I owe anything is misleading. I am the original creditor of this account when I provided my social security number to open this card. I XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor. I also demand a certified copy of the original certificate of indebtedness in order to verify the alleged debt is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. I demand that you do not terminate or close my account due to me exercising my rights in good faith pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Such an act of closing my account without my authority will serve as proof Capital One acted without ordinary care, good faith, and has indeed performed illegal activity in evidence to this subject matter. I demand that all late payments be removed and correctly reported on my consumer report 15 U.S.Code 1691 ( a ) ( 3 ), 15 U.S. Code 1681b.

CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT DUE TO ME DISPUTING INNACURACIES GOVERNED MY CONGRESS LAW. CAPITAL ONE GAVE ME XXXX EXPLANATION VIA MAIL WHY MY ACCOUNT WAS CLOSED. THEY ALSO REPORTED THIS INNACURATED/DISPUTED INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION PURSUANT TO 15 USC 1681.
Consumer complaint received 2021-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (PA)

I noticed that there was a collections item on my XXXX credit report and desputed it and it came back as valid however i am disputing an address that was also on my XXXX credit report that i never lived at and it was removed so i have reason to believe that tye person or persons who ooened this account used an address. With my name and as a result it was put on my credit report as owed
Consumer complaint received 2023-08-09
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)

My complaint is against Experian. I have XXXX accounts from Dept of EdXXXX showing on my Experian credit report as " open '' and " creditor can not locate individual '' when the accounts are all CLOSED due to consolidation and the creditor has sent me communication which I received! The creditor knows exactly where I am because how could I consolidate my loans and make contact with them through phone and email if they can't locate me? I even had Dept of EdXXXX send me an official letter stating that the accounts are closed and paid in full due to consolidation and that they no longer hold the accounts. I provided this information to Experian and they still report the accounts as " open '' and " creditor can not locate individual. '' I have tried disputing this with Experian XXXX XXXX already and they continually fail to accurately report the information. The dates of these disputes were : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and currently XX/XX/22. Experian even admitted in a recent email to me that they made a mistake, yet they won't delete these erroneous accounts off of my file and they continue to severely damage my credit score and profile! I am SICK OF IT and I want these erroneous accounts deleted IMMEDIATELY since Experian clearly CAN NOT BE TRUSTED to handle my information correctly!
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

On XXXX/XXXX/2021, I received a TDBank Equity Loan approval letter indicating 5.890 % interest rate. 

On XXXX/XXXX/2021, I received paperwork indicating 7.99 % interest rate. 

I spoke to XXXX XXXX, loan coordinator and he stated that he was sorry for not mentioning the information and it is because of the appraisal being lower than projected. 
I asked where that possible interest rate change was mentioned in any of the paperwork. He stated there is no documentation mentioning this possible change in interest rate. 
I spoke with TD supervisor, XXXX XXXX XXXX. I explained my concern that the interest rate went up drastically 2.1 % without notice. She stated it was the appraisal and that the 5.890 % should not have been quoted in the paperwork and nothing can be changed. 

This is a clear case of bait and switch. 
I needed to do through the closing because I have to pay bills.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

Hi there, My complaint is about Square ( the payment processing platform ). My college roommate and I started a XXXX XXXX about 5 months ago and we have done everything completely by the books. We have all of the proper licensing and insurance. We opened a square account on or around XX/XX/23. Square allowed us to set up an account and start receiving payments. We then got an email on XX/XX/23 that our account had been permanently deactivated. When we called support, they said they could not provide any reasoning and that they are holding our funds for 120 days. They also stated that we could set up a new account with a new email to fix the " problem '' that they could not disclose. So, we set up a new account, and again started taking payments. Our second account was set up on XX/XX/23. We then got an email today XX/XX/23 stating that our account has been permanently deactivated and that the {$1000.00} + dollars in payments that we received are being held for 120 days. As a small business this is devastating to our cash flow. Not only did they mislead us by saying we could create a new account to fix any issues, they allowed us to receive payments in both accounts BEFORE telling us that our account is deactivated. I called once again to find out why our account had been deactivated, and, once again, they stated that they could not give me any reason. So now, our business will suffer financially while they accrue interest on our hard earned money. Why do they have to hold our money for so long? Why do they not offer a reason? A simple search on XXXX or XXXX will lead you to find thousands of cases just like mine where square has shut down a small business account and withheld their funds without reason. Many of these businesses end up going bankrupt because of this predatory practice. PLEASE help put a stop to this.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX  XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX  XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX proof of ownership