davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
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. (FL)

TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-12
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. (PA)

I submitted a letter to the Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (MI)

I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXXXXXX 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 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

A letter was forwarded to me from my previous address from 5 years ago by the current property owner. It is a letter from EOS CCA attempting to collect an alleged debt owed to XXXX. I am unaware of such an account. I have never done business with XXXX in my life. I've been with XXXX and XXXX for as long as I can remember. I have mailed them an FTC report in response to their letter. This account is not mine. I hereby request information/validation proof regarding this account and cease and desist collections otherwise I will have no choice but to file a legal action for damages.
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (FL)

There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off my credit report.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

The summary is that Heartland ECSI charged a late fee for a payment I missed. However, when I made the payment they did not apply anything to the late fee and instead let it accrue for several months. After the missed payment I established a monthly withdraw from my bank account to ensure a payment was not missed. So for months my bank account was being charged. But the company never applied any of my payments to the late fee. Nor attempted to notify me that a late fee still applied. 

The late fee was first charge in XXXX in the amount of XXXX and continued into XXXX when I logged in to check this account, under the assumption that it was current, and saw that the amount due ( usually XXXX ) was now XXXX. This is when I saw that none of my payments ever applied to the late fee. However when I applied the first manual payment in XXXX to pay this account I saw that XXXX was due after I made the payment. 

I attempted to deal with the customer service but they insisted that it was my fault for not making a separate payment just for the late fees and that recurring payments would never be applied to a late fee. I was then told that the manual payment that showed XXXX due, only applied to the recurring amount due and that I should have known the late fee would require a separate payment. 

The attachment below shows 3 consecutive billing statements that show a late fee, and show that a payment was received each prior month, but the late fee continues to accrue. 

Finally when setting up recurring payments, the website intentionally does not show the monthly payment amount on the same screen it asks the user to input a monthly amount to be charged from their bank. there is no selection available that allows the user to pay the minimum amount due or show any other previous payments for reference. This means that the user must either guess, or navigate away from this screen to find out. This is clearly an intentional attempt to get users to underpay without knowing it and be charged a late fee.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX  XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX shortly after Paypal and XXXX were splitting, My PayPal account was limited with the message " You can no longer do business with PayPal " and they were suppose to hold my money for 180 days and then return the rest if no disputes are filed. The reason for them closing my account is '' After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy '' However nothing I have sold was ever against their rules nor did they ever explain what I did to to violate their terms which is a XXXX. I always sold the same thing and now its a problem? Anyways close to the 180 days were up and my money was suppose to be returned to me, paypal secretly transferred my money to themselves on XX/XX/XXXX with no emails or explanations. with the note " XXXX USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; PayPals damages caused by Acceptable Use Policy violation ''
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear CFPB President, I 'm contacting you guys on behalf of my checking 's account that I had open with you guys when I lived in XXXX XXXX, XXXX I opened the account on the month of XX/XX/XXXX. 
I moved all the way across the state out here to XXXX, XXXX for work. 
So on Friday XX/XX/XXXX I came to the local bank of america branch to cash my {$400.00} check. I cashed my check then deposit {$20.00} and {$140.00} into my account. When I left the bank and came back to work. I tried to check my online banking account. For some odd and apparent reason. When I tried to log in the app. It said Account Locked so I had to contact a XXXX number. 
I contacted them and spoke to a representative, I was put on hold for an hour and a half due to reviewing of my account. I then was told that I was going to get transferred to the fraud department. I spoke with a gentlemen and he said we just had to verify some information. As soon as we verified information and everything seemed to be verified. I asked him. After this call. Am I going to be able to Log into my mobile app? He then replied, " yes ''. So then I told him thank you. And our call ended. 
He later called me back and told me they were going to close my account because I used XXXX XXXX? 
1st. I did n't get to use my XXXX XXXX, all I did was just put my debt card on file with android pay. So I did n't even get the chance to use it. 
His explanation was that because I used android pay they were going to have to close my account. My question is, why? when I did n't even get to use it. He then transferred me to the risk department. And they told me they will have to close my account under the deposit and disclossure agreement on page 2 there 's an agreement that say 's bank of america can close your account without and explanations. 
My whole thing is WHY would you guys close my account for no reason, for something I did n't even use. I 'm trying to get my plane ticket to go back home to XXXX. And now I cant even do that because my money is in the bank with you guys. I would say I only have {$150.00}. 
To be honest, I like bank of america. I even have a credit card with them to build my credit. I just do n't get why I have to go through so much, just to be able to get my money so I can fly back home.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

I have written to XXXX XXXX in the past and have asked them not to contact me through my work number. I have given them permission to call me on my cell phone and through text. I have continued to receive phone calls at my work from a guy by the name of XXXX. The dates listed below are when he has called me. I understand I have a responsibility to take care of my account, but I have explained to them many times to please not call my job. I would like to keep my personal debts separate from my employment. It is not acceptable to my employer to receive personal calls and is embarrassing to have debt collectors call. XXXX XXXX ( XXXX ) is calling and leaving his name, where he 's calling from ( yes, he is saying XXXX XXXX ) and his number. Again, I have asked them not to do this. I have written it down for them to know. I spoke with the manager today and he confirmed this was notated in my account, it was also confirmed by the receptionist XXXX that this was notated as well on my account. Yet, XXXX is still calling my work number. 

Dates company has called my work number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

I sold the crypto currency LTC on Coinbase on XX/XX/XXXX. They sent me a notification that the money would be in my checking account on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any payment. Reference code XXXX
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Neon Newco Corporation (NY)

OnXX/XX/XXXX I reloaded 2 netspend cards, {$1000.00} each.with another netspend card {$640.00} my information was approved and fully activated. netspend has mislead costumer to believe that they can use their money instantly but failed to keep up with that promise. Ive sent in documents needed for identity as i did for the card with the least money and it wasnt approved, my account for both accounts had now been blocked. i was told nowXX/XX/XXXX that i would be sent a check in the mail in 10days. Hoping its not a scam as others complained online about receiving a fake check. im still waiting.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My identity has been highly misused!! I have have reached out to credit bureaus asking them to make sure my identity is verified before furnishing any accounts on my credit report due to the excessive attempts someone has made to purchase goods and services under my social security number. The names given for these fraudulent accounts are not my name nor do I identify with any of these addresses. My rights have been extremely violated according to FCRA 15 U.S.C. 1681 for the fact the bureaus are not allowing me to dispute or clear my name of the alleged negative debt. Also according to 15 U.S.C. 1681b ( f ) my right have been violated due to the fact I have never provided my wet ink signature to furnish any of these accounts on my credit report, especially unverified! My financial profile has been damaged due to the lack of the companies doing their due diligence. I am expecting an immediate response to remove any debt from my credit report that is not verifiable or inaccurate.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-01-08
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX XXXX XXXX - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX + {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Under FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any information identified by consumers as linked to fraudulent or erroneous activities. This action must be taken within four business days of receiving the notification. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$100.00}
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Transunion bureau : I am writing for the third time to formally dispute these items on my credit report that appears to contain inaccurate information. The account in question is a charge-off and belongs to someone else reported by XXXX XXXX and XXXX XXXX  XXXX XXXX with these hard inquires : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The discrepancies are related to the date of last activity reported by each credit bureau, which are as follows : XXXX : Removed XX/XX/year> XXXX : Removed XX/XX/year> Please follow the 15 US Code 1601, 15 US Code 1692c and 15 US Code 1602p laws for removal.
Consumer complaint received 2018-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NJ XXXX Phone # XXXX paid the taxes on the wrong property i have been dealing with them for almost 3 months i have showed them the correct tax documents from XXXX county tax office. Every time i call i get a different answer and they tell me they are trying to get it all straight. But the tax office told me that they still have not received a request for a refund and no attempt has been made to pay the correct tax. They paid taxes on XXXX county tax account Number : XXXX, in the amount of {$1100.00} when they should have paid the taxes on Account Number : XXXX in the amount of {$24.00}. as you can see that is a big difference. They paid the taxes correct on my house but not on the lot beside it. And now the county is telling me that if they do not request a refund by XX/XX/XXXX the first they that the county will not refund the money. Can someone please help me. I just want them to get my money back and correct there mistake. and fix my account they raised my house payment because they paid the wrong taxes and think that that 's what my yearly taxes are.