davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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. (AR)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some records with such an error, for that i am expected from you to help me remove these inaccurate items. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. It seems no one care, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. The following items are such an erroneous on my file that needs to remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MA)

On XX/XX/XXXX I wrote a letter to Santander disputing my DOFD. I have been disputing inaccurate information such as DOFD, Balance, amount due, and the age of this tradeline being over 7 years old from DOFD, as well as no investigation or attempt to correct data it is STILL reporting to the CRA 's. I received a letter from Santander on the XXXX of XX/XX/XXXX, stating the information was accurate and verified. I have also disuputed the information with the CRA 's directly, neither XXXX XXXX or XXXX have removed the inaccurate information and are STILL currently reporting inaccurate data which is blatant and inconsistent. I have filed a complaint with MA AGO on XX/XX/XXXX. 

My letter to Santander stated : Dear Santander Consumer USA, I am writing to dispute the following information that appears on my XXXX consumer report : Date of First Delinquency : XX/XX/XXXX. The XXXX credit report dated XX/XX/XXXX, and the Credit file dated XX/XX/XXXX are both reporting Date of First Delinquency as XX/XX/XXXX, this is inaccurate information. The Correct Date of XXXX XXXX is XX/XX/XXXX. On XX/XX/XXXX I became 31 days past due on my Retail Installment Sale Contract, this marks my Date of First Delinquency. My retail installment Sale Contract signed XX/XX/XXXX notes my first payment due of {$410.00} beginning XX/XX/XXXX and recurring monthly. I was delinquent on my first payment, not issuing payment on the agreed upon XX/XX/XXXX date, first payment was made XX/XX/XXXX. On XX/XX/XXXX I was issued a late payment fee of {$5.00}. I have enclosed my Transaction history, retail contract, and bank statement to verify that my Date of First Delinquency is XX/XX/XXXX. 
Also, I have confirmed my date of First Delinquency with XXXX, Employee ID XXXX in Loss & Recovery via a phone conversation on XX/XX/XXXX at XXXX ( duration of phone call 27 minutes ). XXXX Confirmed that on XX/XX/XXXX, my account was 31 days past due. 
I have attached a copy of my XXXX Credit file and credit summary, that contain the inaccurate information. 
I am requesting Santander Consumer USA report the true and accurate Date of First Delinquency of XX/XX/XXXX to XXXX XXXX, and XXXX 

... .. '' I was advised by a counselor at XXXX XXXX XXXX to choose one specific violation i.e. DOFD that was easily proven incorrect. 

I have tried to dispute this at the community level, and state level to no avail and I am hoping the CFPB will aide me in amy efforts to be free of this actively on-going harm I am caused by Santander Consumer USA.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (TN)

XXXX has notified all three major credit reporting agencies that the bankruptcy thats being unlawfully reported needs to be removed immediately! Ive also called each reporting agency to notify them of this unlawful act and they all have refused to comply with the laws defined in the FCRA! XXXX, EQUIFAX, and XXXX are all civilly liable for violating my consumer rights pursuant 15 usc 1681n! They are violating my right to privacy pursuant 15 usc 1681. And neither have permissible purpose pursuant 15 usc 1681b.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (IL)

To Whom it May Concern, On XX/XX/2022, I received a call from what appeared to be our electric company XXXX XXXX, or commonly known as XXXX. 

A threat of electric disconnection unless immediate payment was transmitted via XXXX. 

I was provided 2 property addresses of buildings we own including the XXXX account numbers. The accounts were temporary because the units were empty. The electric accounts were in our names as landlord. 

I followed instruction and made 2 electric transfers to 2 XXXX accounts totaling {$860.00}. 

This turned out to be fraudulent. Not a scam but fraud. Somehow the caller had private XXXX account information, property addresses and name on the accounts. Had this info not been provided, I would have never made the electronic payments. 

With XXXX, there is no safety net. Once transmitted, the funds can not be reversed. 

I immediately contact Chase Bank fraud department. Followed up with 1. The IL Commerce Division, 2. The Office of the Comptroller, 3. The IL Attorney General, 4. The Special Financial Crimes Unit of the XXXX Police Department. Your department is the 5th authority pursed concerning this matter.

A 40 minute discussion with the XXXX Police Department Financial Crimes Dept revealed that the police will never prosecute Chase Bank. They simply explained that the man power does not exist. They said, we are lucky that such a small amount was stolen. 

We are not the only citizens to experience both fraud and scams using XXXX electronic payments. 

If XXXX digit is incorrect and funds are transmitted, there is no reversal available to the public. 

Unless a unified effort is garnered to regulate the 5 banks that own XXXX, unknown how many other banks offer XXXX, such financial fraud will continue against the unknowing public. 

We are respectively requesting a unified effort by all agencies to regulate or file litigation against the banks that control XXXX to create a safety net to reverse funds when using XXXX to transmit funds for any payment when fraudulent or a scam. 

The case # for the Office of the Comptroller of the Currency is # XXXX. 

Kindly let us know that this letter was received, if any further investigation is warranted and whether or not litigation against the banks that created and control XXXX electronic transfers would be pursued. 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2021-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2022-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

On XX/XX/22, I requested a transfer to {$2200.00} to my sister-in-law XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A fee of {$26.00} was charged on the transaction so the total amount debited from my checking account was {$2200.00}. The transfer was accepted by MoneyGram and the money was sent to the bank or agent in XXXX XXXX. 

When my sister-in-law went to pick up the money at the bank or agent in XXXX XXXX she was told that transfers in excess of {$2000.00} were not allowed and therefore they could not give her the money, not even {$2000.00} of the money. 

I contacted MoneyGram and asked if they could reduce the transfer amount o {$2000.00} and credit {$200.00} back to me. I was told that this was not possible, that the only option available to me was to cancel the transaction and do it over again. I was also told that I would not be refunded the {$26.00} service fee. 

MoneyGram holds themselves out as the expert in money transfers and they should have known of the {$2000.00} limit on transfers and prevented me from attempting to make a transfer for an amount greater than this, but they did not prevent me from attempting this. 

I believe that MoneyGram had an obligation to inform me that transfers in excess of {$2.00} are not allowed and they should have informed me of this, and they should have prevented me from executing this transfer. Therefore, they should refund the {$26.00} fee to me. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

In XX/XX/XXXX a collection account from XXXX  was removed from all 3 major credit bureaus after several disputes. XX/XX/XXXX I had a VA mortgage lender pull my report for a home loan, which DID NOT REFLECT the removed debt.

On XX/XX/XXXX I woke up to an alert from XXXX that a delinquency debt was placed on my credit. I was NOT notified by the 3rd party debt collection agency JEFFERSON CAPITAL SYSTEMS prior to this. I immediately called the number provided and was told by their agent that they did not handle that type of account and provided me with another number to call. Upon speaking with now a 4th party XXXX XXXX regarding this debt ( that was removed prior ), I was told that they did not need to send any information and they had the right to place the debt on my credit. I told the representative that they were required to send me all correct information regarding this account as well as provide 30 days for me to respond or dispute. The representative did not speak clear English and talked in circles. Despite the communication issue over the phone, These two companies are unwilling to take the legal steps, especially for an account that was REMOVED entirely from all bureaus!

I immediately filed a dispute with XXXX  and was notified 24 hours later that this account is accurate. I am beside myself with frustration!
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (TX)

A XXXX XXXX XXXX  account ( XXXX ) was determined to be sent to a collection agency ( ad astra recovery services inc ) that does not have the proper permits to collect debt in the state of Texas, the collection account from ad astra recovery service originated by XXXX XXXX  is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted speedy cash and also ad astra recovery services and requested this information to be verified, removed and updated. they declined.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CO)

XX/XX/2021 I looked at my Experian credit score which have been the same for about two weeks now of a XXXX. I was told by a mortgage broker that she could probably get me a loan for a home whats the score of XXXX or higher. When she pulled her credit report for me from Experian its stated that my credit score was a XXXX. A whole XXXX points difference from what I am seeing on my app that I am paying XXXX for the past 2 years for the Experian XXXX XXXX XXXX. I pay this through XXXX it is paid automatically every month for the past two years. I am also supposed to be able to receive all three credit bureau reports via my subscription. This is not possible when paying for the app via XXXX for some reason as well. Upon finding out my score of a 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 This whole time during COVID-19 it has been a very dark time for me because I am alone. I have no one in physical form on this earth to care for me or about me and my life so this was very important to me to become a homeowner to actually mean something in society and to myself. This credit service should not be able to falsify any information of its customers. I really believed that I had a XXXX credit score with experience. Belief and hope that was almost extinguished if there wasnt someone else on the roof of the garage to talk me down. XXXX practices from a credit company should be illegal in all shapes and forms and fashions.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WI)

We have had a credit card account called the XXXX XXXX XXXX XXXX with Citibank for over 30 years. This card offers a 2 % cash rebate on all purchases made in a calendar year. Each monthly statement provides an updated total of the accumulated cash rebate based on the transactions posted since the previous billing cycle. Then, at the end of the XXXX, a XXXX XXXX is posted to the XXXX monthly statement which represents the cumulative total of cash back earned in the previous 12 statement cycles. This practice has been followed for the entire 30 years that we have had this account. In XX/XX/XXXX we were expecting the latest XXXX XXXX in the amount of {$610.00} to be posted to our account. However, when the statement arrived in the mail, we noticed that no cash rebate credit was posted. I contacted Citibank Customer Service to inquire about the missing cash rebate and I was told the the XXXX XXXX XXXX was terminated in XX/XX/XXXX and therefore no credit was going to be posted. I keep meticulous records concerning all of our credit card accounts and I never received any e-mail message or hard copy notification via U.S. Mail regarding such a change. When I told the Customer Service representative that I never received the notification of the change, she told me that it was detailed in a written change of terms notice that was printed on the XXXX XXXX monthly statement. Once again, I keep all of our monthly statements and after reading through the notice, I determined that there was absolutely nothing in those terms that spoke about a change in the XXXX XXXX XXXX. Citibank eventually conceded that they failed to properly notify me about the change in account terms. I told them that I expected to be credited for the entire {$610.00} and they told me that they would review my account and let me know. On the XXXX statement I received a XXXX XXXX of only {$520.00} which is {$89.00} less that what I earned. I contacted Citibank again and complained about the error and they told me to send them a detailed accounting of how I calculated the {$610.00} total. Using the exact same method that Citibank has used for the previous 30 years, I sent them all of my documentation. I then received a letter back simply stating that the XXXX XXXX XXXX has ended and they were not going to issue any additional credits to my account. My reason for filing this complaint is that I feel Citibank has engaged in deceptive and dishonest business practices and also committed violations of the Fair Credit Reporting regulations. Because they failed to properly notify me of the change in terms, I was misled and tricked into continuing to use the credit card with an assumption that I was still earning cash rebates all the way through the end of the year. If I had known the program had ended, I would have stopped using the card immediately ( I have other cash back credit cards that I could have used instead ).
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kason Credit Corporation (RI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked XXXX, XXXX and Transunion to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.
Consumer complaint received 2022-07-16
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: Resurgent Capital Services L.P. (PA)

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.