davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (MO)

I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.
Consumer complaint received 2023-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (TX)

Name : XXXX XXXX XXXX : XXXX SS : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Companies involved : XXXX Account Number : XXXX Persolve Legal Group I received last communication from XXXX XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XX/XX/XXXX I had phone communication with XXXX and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and Persolve report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with Persolve with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Please attach history to Complaint ID XXXX? I discarded the JCPENNYS credit card as I was instructed by JCPENNYS. It showed my complaint was in progress with CFPB and JCPENNYS closed the account because it was not paid. It showed they had some kind of block on their website to make the payments. They did not make it clear if I could walk in to make a payment. I went to JCPENNYS and paid the full balance and attached receipts to my complaint with CFPB. Please ask they not send the wrong information to the credit report bureaus?
Consumer complaint received 2023-07-29
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (FL)

I leased a vehicle from MBFS in 2020. I purchased additional miles over the base of 45k up to 48k. Per the contract I would be refunded the unused miles below the 48k. I traded in the vehicle with a new lease. The leased vehicle traded in was at 17k miles and thus I was owed XXXX XXXXXXXX. Thats XXXX miles purchased at a {$1.00} per mile over 45k miles. MBFS is saying multiple excuses and refusing to refund the amount as stated per contract.
Consumer complaint received 2023-07-31
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: Cascade CISS Holdings, LLC (CA)

On transuion and experian my credit reports, it shows inquries that are not mine, I have mailed disputes to tranusion and experian and xactus, and have contacted XACTUS directly. Today i started to put locks on my credit and had to pay for it because I have got no where with this process. The item is showing as XACTUS DATE OF XX/XX/XXXX. This is fraud. I have never applied for this. 
I have sent 3 letters and have called with no further investigation done, have been told you cant dispute over the phone so i continue to mail the letters. Today i received an email from XXXX for this creditor stating that the receiced a letter but they are notifying me because they dont think i authorized this letter i then called and was told this is a automatic letter generated and was transferred to a rep to escalate this after i told them i have been disputing thes and its incorrect and fraud. This is my main concern. 

I have also sent these letters to ALL 2 CREDIT AGENCIES- XXXX and XXXX XXXX also the inquiries below, FRAUD AND NOT REMOVED for the following XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX I have sent these letters to XXXX on this below and they have no updaetd this fraud reporting on my credit report. 

XXXX XXXX XXXX showing several times on my credit report 3x on XXXX also called XXXX XXXX and they said this shouldve be showing SENT LETTERS TO XXXX FOR " XXXX XXXX XX/XX/XXXX '' LISTED TWICE THIS IS FRAUD, I never applied for this.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

A year later ... Transunion will not let me request my credit report via the annual reporting website. In addition, their free online consumer tools continue to lock me out or give me " this request can not be completed online '' when I attempt to access anything. The previous excuse was that I had a dispute " pending '' it's been a year. When I have paid for credit monitoring through them somehow it's no longer a problem. 

Of the 3 major reporting agencies, Transunion is the least accurate. Their responsiveness to reporting requests, disputes, on the phone, web, etc. is by far the worst. 

I don't appreciate my private credit information being serviced overseas. I know I'm the " Product '' here and not the consumer. That said I have rights, TransUnion needs to be investigated and audited for their business practices.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Name appearing wrong on report XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX only. I have never gone by those other names.
Consumer complaint received 2023-07-31
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 writing to provide an affidavit in fact letter regarding my credit report with your agency. I have reviewed my credit report and found fraudulent unauthorized inquiries on my consumer report. 


The fraudulent unauthorized inquiries are as follows : 1. Inquiry Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge and belief. I didnt provide written permission in pursuant of 15 USC 1681c-2. Block of information resulting from identity theft.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MI)

I sent a letter to Citibank wanting to validate and verify the debt. I did it within the 30 days that I was given, I sent them the letter with all the terminology and everything to send a letter back. It has been three months and they still have not verified or validated anything and they are still trying to sue. They harassed us after asking them to stop calling, they kept calling, and harassing and were calling up to 25 times a day. Its my understanding they can not sue us if they cant even validate the debt which they never did. The validation was due back in XXXX and we never got it. I have a video of me dropping it at the post office in the box, the address on it, and all the documents that I sent to them and they never sent back. Theyve always received mail they can not claim they did not get this one it was sent.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am now instructing you to cease collection of the debt ; you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. You should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 

THIS IS A THIRD PARTY COLLECTION COMPANY THAT HAS DELETED THIS ACCOUNT FROM MY HUSBANDS CREDIT AND NOW TRYING TO SCAM ME. I HAVE NEVER LIVED IN THE STATE OF WASHINGON. YOU DONT HAVE LISCENSE TO COLLECT IN WASHINGTON OR SOUTH CAROLINA . 

YOU ARE NOT PROPERLY REPORTING THIS ACCOUNT AND DAMAGING MY CREDIT. THE GA STATE ATTORNIES OFFICE HAS BEEN NOTIFIED, AL WELL AS THE CFPB AND FTC
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

Please validate this debt because : * I would like debt validation on this account, as requested. 
* I have not made any payments on this alleged account that would have reduced the balance. 
* I would like proof of how these alleged payments were made. I believe the reporting is false and an attempt to keep this account active on my credit report. 
* I would like an explanation of how any increases were calculated on this alleged account. 

Based on the reported activity, it seems that IQ Data International Inc may be updating this alleged account to keep it active.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IA)

A personal check from my bank BMO was written to XXXX XXXX to pay to balance ( amount written {$130.00} ) was put in a U.S. Mailbox. Later that day the Mail was Stolen from the mailbox. Whoever stole the Mail then took the check to XXXX  XXXX, Bleached the check, changed the " Pay to the Order '' portion, Changed the Amount portion to {$4400.00} along with the written amount. The Check was then presented to XXXX  XXXX XXXX and Cashed. Obviously, {$4400.00} was deducted from the checking account at BMO bank. I was not alerted to this happening until XXXX XXXX notified me my " Payment '' was over due. I notified BMO bank and they then notified me that, that check in the amount of {$4400.00} was deducted from my checking account.. A stop was put on my checking account and the account was closed. I also filed a Police Report and an " Affidavit of Forged or Altered Check '' was filled out. This took place on XX/XX/2023. All of this was done with XXXX XXXX - Personal Banker CB with BMO Bank branch office XXXX, IL Several office visits have taken place, at least 30 phone calls have been made, most unanswered. The latest information from BMO bank is that the Check was Cashed by XXXX  XXXX XXXX and that they have admitted to cashing the check. However NO Funds have been creditted to my account.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I made a purchase through the CapitalOneXXXX shopping portal on XX/XX/2023. This purchase promoted 30 % cash back for the purchase of a XXXX XXXX XXXX XXXX XXXX Upon completing the purchase in the amount of XXXX pre-tax, or XXXX post tax, I was not given credit within the promised 90 days post purchase. I made this purchase and was given a shopping trip number of XXXX XXXX XXXX  After multiple attempts to contact CapitalOneXXXX I have received no response back from their support email that is suggested as their only method to contacting their customer service. No phone number is given for this site which is operated by Capital One, N.A.
Consumer complaint received 2023-08-01
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: TD BANK US HOLDING COMPANY (MI)

In accordance under the fair credit reporting act this creditor has violated my rights. Under 15 U.S. Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I am not a credit repair company, and Im filing this complaint on behalf of myself and no one else, or any company has provided me with any assistance.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I opened a credit card with XXXX  XXXX XXXX on XX/XX/2023 to do a balance transfer in the amount of {$4800.00} to pay off an XXXX XXXX card with USAA to avoid interest. When I noticed that the balance on the USAA XXXX XXXX card had not changed by XXXX I called USAA and they started the first investigation on XX/XX/2023. 

On XX/XX/2023 USAA requested documents about the balance transfer. So I uploaded all the information that was sent to me when I completed the balance transfer that showed the reference ID and the amount of the transfer. 

XX/XX/2023 USAA closed the first investigation, stating that the charges were still valid and there was no evidence of a balance transfer. 

I repeated the same process on XX/XX/2023 and the investigation again ended on XX/XX/2023 with the same result. 

After the 2nd failed attempt. I called XXXX  XXXX XXXX who was the bank sending the balance transfer and discovered that the balance transfer was sent and was accepted by USAA but the last 3 numbers of the account were wrong. XXXX  XXXX XXXX stated they would start a correction and I started another investigation through USAA with the new information and the account number that the money was " sent to ''. This was now XX/XX/2023. 

Today XX/XX/2023 I noticed that the credit applied to my USAA account had been reversed and called both USAA and XXXX  XXXX XXXX. 

USAA terminated the investigation on XX/XX/XXXX with the same result of the amount was valid and there was no evidence. 

XXXX  XXXX XXXX canceled the correction because it was over 60 days and the money was " accepted '' for the balance transfer. They now opened a fraud investigation case. 

I'm now stuck with a credit card from USAA that was supposed to be paid off and I'm gaining interest and making payments on and a credit card from XXXX  XXXX XXXX that isn't gaining interest due to the promotional no interest, but I'm still forced to make payments on a credit card for a {$4800.00} valance transfer that I never received.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (FL)

There is a collection account on my credit report from " CHARTER COMMUNICATIONS ''. I tried calling the company directly and they were able to confirm that this due amount is for services provided at an address that is unknown to me as well as a different phone number than mine. I have never requested any services from either Charter Communications or XXXX.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023, I authorized a transaction with XXXX for {$230.00}. 

On XX/XX/2023, XXXX shipped my item. Also on XX/XX/2023, the charge was issued by XXXX to American Express. 

Issue : American Express dated this charge on XX/XX/2023, therefore denying me their credit card benefit which provides a {$200.00} statement credit for any XXXX purchase between XXXX and XXXX. 

I have spoken with the XXXX Executive Management team. They confirmed with their financial team that *ALL* dates are in XXXX - authorization, charge issue date, and charge acceptance by American Express XXXX Everything was on XX/XX/2023 or XX/XX/2023. 

Only American Express reflects XX/XX/2023, which I believe is an attempt to deny me their card member benefit for the {$200.00} statement credit. 

I opened a dispute with reference number XXXX to provide American Express a chance to rectify this situation. They failed to do so. 

American Express customer service representatives also failed to assist me. They continued to blame the merchant, despite the merchant ( XXXX ) providing clear evidence that everything occurred in XXXX.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-31
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: Resurgent Capital Services L.P. (LA)

I previously submitted complaint # XXXX for this company that is reporting info that is damaging to my credit. They have refused to remove their reporting. I have since found that they are reporting discrepancies on my credit report. Incorrect Reporting of account status : Closed account reported as open, Incorrect date of last payment, date opened, & date of first delinquency. The incorrect dates falsely manipulates the statute of limitations. 

I am demanding a deletion of the account from my credit report.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (FL)

Experian Rent Bureau, Please see attached : - Experian Rent Bureau order form filled out and signed - My drivers license, social security card, and address I am requesting a copy of my RentBureau credit report