davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-08
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: Experian Information Solutions Inc. (FL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (IL)

XX/XX/XXXX I purchased a car loan financed through XXXX XXXXXXXX XXXX for est {$18000.00}. Financed for 72 months. The finance company says that I still owe 6 years later {$18000.00}. They have not shown any proof and never send monthly statements showing my payments. In addition, they indicated {$18000.00} still owing on my credit report. They also never reported payments to the credit bureau XXXX and XXXX. As indicated you cant go 2 years without making a car payment without it being repossessed. I have called and they still will not explain my balance or itemization of payments made in the last 6 years.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Todd, Bremer & Lawson, Inc. (VA)

Contacted by Todd Bremer and Lawson regarding an outstanding tuition bill with XXXX XXXX University that my daughter incurred. Advised them I would pay the school directly. They called me back a week later, I advised them I paid the school directly - they disagreed, I was asked to pay the debt again. I find this tactic to be inappropriate considering that the outstanding debt was over $ XXXX. 

When I called to express my concerns with this interaction the manager, XXXX XXXX ( XXXX ), was rude and she hung up on me trying to have my call escalated to a more senior-level manager in the firm. When I returned the call, the secretary advised me to leave a message for TC outlining my complaint. I asked if there was some other way to express a complaint with how I was treated, the secretary said that I could leave a message for another manager. I refused to allow this issue to be not be addressed so I am forwarding a complaint to the CFPB so this firm 's practices can be reviewed for unethical practices such as attempting to collect debts not owed.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (OH)

I just noticed an account on my credit report that shouldnt be on there that I never applied for date reported is XX/XX/XXXX amount due is XXXX. Date opened was XX/XX/XXXX and closed on XX/XX/XXXX company is Wells Fargo.
Consumer complaint received 2020-11-09
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: Experian Information Solutions Inc. (LA)

I have spoke to Experian, XXXX and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (AZ)

I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.
Consumer complaint received 2020-05-04
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. (FL)

Experian continues to report fraudulent and inaccurate information on my credit report. There investigation system is flawed. They are in violation of the FCRA by continuously reporting this negative fraudulent information on my credit report.
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALTERNATIVE DISPUTE RESOLUTIONS (PA)

My name is XXXX XXXX. On XX/XX/2020, I received a call from XX/XX/XXXX Call XXXX XXXX XXXX at XXXX. I answered and was given a reference number which I didn't have time to write down, or given the option to press 1. 
I pressed 1, and asked who they were and why are they calling me. I was told they are trying to reach XXXX XXXX and this was the number given to call. I explained that I have been divorced from him for over 13yrs and have only his state and town, XXXXXX/XX/XXXX She gave the rest of the address and I said yes I believe that is the address. I asked what this is about, she said they couldn't say. Only that they have been trying to reach him. I asked if this affects our children, she said no. She said they plan on paying him a visit next week. I told her I think I have a phone number but would need to look for it, and she said to call this number for Dispute Resolution XXXX XXXX XXXX, with a reference number, and give them any information that might be helpful. 
I called this number and someone named XXXX XXXX answered. I asked again for his name and address, he said this is XXXX XXXX and I don't give out my address for security reasons. I said I received a call from them, he interrupted me and said no, they don't make outbound calls. I said yes, you did, at XXXX today. He was extremely rude and said no one called me. I said ok, agree to disagree but I want you to stop calling me with any issue with my ex husband, we have been divorced for more than 13 years and I have nothing to do with him or his affairs. He said he suggests I contact my ex husband and tell him to resolve this before I am visited next week, and he couldn't say " what might happen when they come to your door ''. This upset me and I said why would anyone come here?? My ex husband is in XX/XX/XXXX, I'm in Pennsylvania. 
This XXXX XXXX person then proceeds to say " yes you're divorced but at one time you shared bank accounts, credit cards and probably many other things ", in a very rude, inappropriate tone. I said " thats inappropriate ''. He proceeds to say, loudly " nothing inappropriate about it, get your mind out of the gutter, you dirty old lady '' and hung up. 
I decided to try to call back the number that called me, the XXXX XXXX XXXX, and it said my call could not be completed as dialed. 
I believe this is a scam, many red flags. The fact he used a very fake sounding name, refused to give me the address, used threatening language and was very aggressive and rude when I questioned him.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made two payments totaling close to {$900.00} to pay off the full balance on my Capital One credit card, 19 days before the billing cycle ended, but I still got a bill for {$5.00} on my next statement. It was based on a balance of {$230.00}. My balance was never even at {$230.00} at any point in the billing cycle. I have seen online that Capital One has done this to other customers.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2023-05-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

Created a police report the second I found out about the fraud on my account. Contacted cash app to lock my account and send a new debit card. 

Created a dispute with cash app about unauthorized transactions that I did not make or give anybody permission to make. 

There was two transactions that occurred. 
XX/XX/23 in the amount of {$2000.00} @ XXXX ; XXXX XX/XX/23 in the amount of {$2100.00} @ XXXX They denied my dispute saying I authorized the transaction or gave somebody permission to.. my debit card was NEVER lost or stolen or misplaced anywhere. They said a cash card was used during the transaction. My details mustve been compromised. I asked if there was a PIN number used and they wont give an answer. I asked where is this merchant loctated at Also, they dont have information.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to XXXX ; Experian and XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I received an alert through my XXXX card on XX/XX/22 alerting me that a new account had been opened in my name. I reviewed the new account alert which showed a USAA account opened on XX/XX/22 in the amount {$24.00}, XXXX. I did not open this account. I called XXXX 's fraud department to report that I did not open the account. XXXX transferred me to XXXX where I continued to report the fraud. I then called USAA to report the fraud as well.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Fraudulent charges were posted to my credit card account which were disputed and a complaint submitted with CFPB ( See Complaint ID # XXXX ). Case was found in my favor as credit card holder. TD Card Services issued credit for the fraudulent charges on XX/XX/2020. TD Card Services failed to issue credit for any of the interest charges accrued during the 8+ months it took to resolve the situation. Therefore another complaint was submitted to CFPB ( see complaint ID # XXXX ). Again case was found in my favor as credit card holder. TD Card Service credit interest charges up to XX/XX/2020 on XX/XX/2020 but not all interest charges. However since TD Card Services took until XXXX to provide credit/refund of interest charges interest fees were charged by TD Card Services on account statements dated XX/XX/2020 in the amount of {$44.00} and statement XX/XX/2020 in the amount of {$42.00} totaling = {$87.00}. We pay our credit card account off every month and did not carry over a balance any month in 2020 with the exception of the fraudulent charges and any finance charges, which I refuse to pay. Therefore we are seeking a credit/refund of all interest charges incurred during 2020 to date including the 2 mentioned above and any subsequent interest charges until matter is completely satisfied. We are demanding TD Card Services follow it's obligations set forth in the " Credit Card Agreement '' and the " Visa Zero Liability '' arrangement.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

I have an unrecognized charge on my PayPal Credit account. It appears to be related to XXXX gift cards. I have made no such purchase of any XXXX gift cards at all or any XXXX services in this amount. I filed a dispute with PayPal. They denied my claim without telling me what exactly the item is, they are basing the decision by an algorithm apparently. Here is the info of the item : Here are the details of the one or more activities you didn't recognize on your account : * Gift address added * Gift address added Here are the details of the one or more transactions you didn't recognize or had issues with : * Transaction ID : XXXX * Transaction amount : {$54.00} USD * Recipient email : XXXX XXXX
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: OKCoin USA Inc. (VA)

I purchased cryptocurrency in OkCoin. Their XXXX XXXX identity verification system will not verify my identity because they say the pictures of my id are too blurry using their system. I have sent them clear pictures of my identity and asked to discuss other solutions. They will not provide me with any.
Consumer complaint received 2021-08-02
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. (FL)

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 2020-10-27
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. (FL)

On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to XXXX XXXX XXXX  asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising XXXX  XXXX XXXX  that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX XXXX XXXX XXXX  received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX  and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from XXXX XXXX XXXX
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report was accessed without authorization or permissible purpose that resulted in fraudulent loan by XXXX XXXX XXXX XXXX # XXXX.
Consumer complaint received 2022-10-10
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)

I am submitting this CFPB complaint to request to the Credit Reporting Agencies to please do their job accordingly. I feel like the Credit Bureaus are doing their best to correct my Credit File or perhaps they are not doing anything at all. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File that resulted due to identity theft. I previously sent a dispute letters on XX/XX/XXXX, with complete attachments of my personal identifying documents as well as the identity theft report I received from the FTC. Once again, these accounts and information that are being reported on my Credit File are unknown to me and needs to be deleted as soon as possible. Under the provisions of the Fair Credit Reporting Act, I am in need to remove the following items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX