davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (FL)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, DE Inaccurtae Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is a follow up to a prior CFPB complaint, I filed a CFPB complaint against Cap1 in XXXX. 
On XX/XX/XXXX, Capital One agreed to remove a XX/XX/2020 late payment for my Neiman Marcus Credit card, and send me the attached deletion letter through the CFPB. 

The late has not been removed, I have sent this letter to the credit bureaus and to Capital One 's customer service, both of whom refuse to remove the late payment.

It seems Capital One 's Consumer Advocacy group did not communicate the request to remove the late payment to the credit bureaus and to Capital One 's own servicing and customer service department.
Consumer complaint received 2021-07-21
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: TD BANK US HOLDING COMPANY (TN)

TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
TD Auto Finance is reporting a late payment to my XXXX  credit report for the month and year of XX/XX/2020. 
This is inaccurate reporting. I've never made 1 payment late.

How can XXXX  and XXXX  report two completely different late payments both reporting as accurate when in-fact it is not? TD Auto Finance has yet to prove that I've ever made any late payments. Simply stating that I have previously made a late payment is not good enough. I NEED PROOF! I've already proven that TD Auto Finance is reporting inaccurate information to XXXX  and XXXX now I would like for the payments to be corrected to NEVER LATE. XXXX and XXXX  are reporting different months and the errors are clear.
Consumer complaint received 2021-07-21
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)

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that doesn't belong to me or I never authorized. I notified my aunt whom is a lawyer and she instructed me to follow these steps by filing a complaint. So far no action was taken by the companies as of yet.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXXClaim reversal : XXXX XXXX XXXX  XXXX XXXX XXXX NY XX/XX/11 ClaimId : XXXX ( ... XXXX ) ATM transaction {$270.00} {$340.00} The following item was disputed because I paid in advanced for that I no longer be getting. I ask for my money and there should not be any reverse of charges of my was disputed justification I will like my money bank now
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

The IRS said they sent my child tax credit payment on XX/XX/XXXX yet XXXX havent received it. This is the second time Suntrust has interfered with my deposits. Last time they claim they didnt see my tax refund but the IRS sent me a letter saying Suntrust blocked it. The IRS ended up having to send me a check and will probably have to again. Please give me a real explanation about why than happened and no fake excuses.
Consumer complaint received 2021-07-21
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)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

HI CRA ; EXPERIAN, XXXX ; ***See attachments*** I'm a little shocked and dismayed that this public still is reporting on my credit report even after i reached out the the credit reporting agencies several times, and it comes back as verified as accurate. Well, therefore, i took upon myself to contact the bankruptcy court which also confirmed that they do not report any information to any of the credit reporting agency. I then called credit bureaus which they said that it came from supplement credit reporting agencies such as XXXX. I then contacted XXXX, which I've attached the letters stating that they can't even find it in their entire data. I'm confused now. It's still reporting with multiple inaccuracies, misleading and incomplete information. Therefore it's impossible that it can be verified. Equifax went ahead and immediately deleted from my credit report. 

This is a violation of my consumer rights and i need this information removed from my credit report. I was made aware it may have come from a 3rd party furnisher XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous, misleading, and incomplete information on a credit report, also, especially, when it contains multiple inaccuracies on reporting. I ask that you remove that BANKRUPTCY and delete it expeditiously from my credit report under the provisions of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ..
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

I used Western Union to send money to XXXX, XXXX. The recipient was not able to pickup the money due to local identification rules. I ordered the cancellation and refund of the money through the telephone. They did say that it was cancelled and refunded directly to the card ; which was false. Then I chatted with an employee through their chat system ; the employee stated that she cancelled transaction and issue a refund. Then I went to pick up the money, but the transaction number provided to me was not correct. After that, I went to the originator XXXX XXXX and tried to pick up the money, as instructed via telephone conversation wit a the call center attendance ; they said that the transaction was not found, even with a new number that was issue to me after I called three times. I asked to speak with a supervisor at XXXX who did not know what to do. XXXX employees maltreated me and were somewhat offensive toward me. The total amount to be refunded was {$350.00}. I spent more than half a day trying different Western Union establishments, as instructed by the company 's attendants. My time and money spent doing this was lost. ( WU are not going to pay for the time lost. ) Western Union and its affiliates are cheating the public. If the individual does not know how to work the system or is in fear of deportation like the majority of Western Union customers, they will loose lose the money, and probably the company will keep the money in its arcs. They are cheating the immigrants individuals that work hard to send money to their families in XXXX XXXX and probably other countries. The CFBP can not allow this to continue and thoroughly investigate all instances of this type of fraud committed by Western Union and other companies. The Congress should start an investigation over these practices of financial fraud of our hard working immigrants.
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal took {$2300.00} from my balance after 180 days of it being held on XX/XX/2021. 

PayPal Email : XXXX Transaction ID : XXXX PayPal claims I broke there User Agreement Policy when I am a registered seller in XXXX and sold legal digital goods on a massive marketplace called XXXX. PayPal is one of XXXX 's main payment gateways and has been partnered with them for years. There is no reason why I should have been banned by using there platform. I wish for them to return the money they have taken from my balance.
Consumer complaint received 2021-07-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Quicken Loans contacted via phone and left a voicemail stating that it was an emergency and I call them back. When I called them, they stated that the call was in regards to starting a refinance. When I pressed them as to why they thought a refinance constituted an emergency, the customer service rep said, " I don't think it is. '' I informed them not to contact me again and reiterated that they should not use the " emergency '' to sell services.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

Because of the pandemic, I fell behind on my auto loan, I contacted the lender and ask for a payment deferral. My request was approved and any payments missed would be applied to the end of my loan. On or about XX/XX/2021 I contacted the lender to update my financial status at which time I was informed that my vehicle has been placed for repossession and the loan has been written off. The representative said the only way to cancel the repossession is to pay the past due amount of XXXX. I WAS ABLE TO PAY XXXX In XXXX and I paid the rest of the past due in XX/XX/2021. Because my business was slow to recover I started to fall behind again for the months of XXXX XXXX and XX/XX/2021 for a total of XXXX. When I contacted the lender to make the payment I was informed yet again that my vehicle has been placed for repossession and the past due was over XXXX. I tried to resolve the discrepancy but they would not tell me how they arrived at that amount. When I checked my statement online I was not able to locate the XX/XX/2021 statement, I called the lender and the lady I spoke with was very helpful, she was having problems trying to understand what was going on with my account and had to put me on hold several time 's, finally, she said she can't figure out what is going on that she would have to get a manager involved. She also noticed that billing had my address in Colorado not California
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My checking and savaving account are closed by XXXX XXXX XXXX on XX/XX/2021, because I have deposit a check amount {$3800.00} that I have received by XXXX from XXXX XXXX XXXX XXXX to purshases some devises to work with it .It seems that this check is returned for the reason-Enable to locate Acc.After that theu report me to Credit Reporting Agency CRA ( Chechx system and XXXX XXXX XXXX ), Currently I was rejected by the financial institution to open a new account.I w
Consumer complaint received 2021-07-21
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-07-20
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)

These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!
Consumer complaint received 2021-07-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (OH)

I got an email from XXXX XXXX about how I owe speedy cash money when I havent even taken a loan out. I took a loan out a long time ago and paid it off. Now she is saying there is a lawsuit for XXXX XXXX Violation of Federal Banking Regulation XXXX XXXX  Breach of contract with loan the company XXXX XXXX  Theft by Deception the emails are very annoying and I KNOW for a fact that I dont owe anything. It should be even illegal to tell someone they have a lawsuit out when they dont.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (NJ)

I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XX/XX/XXXX which it isnt. These are from XX/XX/XXXX-XX/XX/XXXXwhen I was a minor. They just recently maid something to my house about this debt as if the phone calls werent enough.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on Experian and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.
Consumer complaint received 2024-08-23
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. (FL)

I am writing to formally dispute and seek verification for several collection accounts listed on my credit report. Despite my previous attempts to resolve this matter by contacting the respective collection agencies, I have yet to receive any documentation substantiating my liability for the following debts : Account Number : XXXX Account Number : XXXX Account Number XXXX ( Original Creditor : XXXX XXXX ) XXXX Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to receive verification of these debts upon request. This verification must include, but is not limited to, a copy of the original contract or agreement showing my obligation to pay the debts in question. 

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or unverifiable information on my credit report. The continued reporting of these debts without proper verification constitutes a violation of my rights under both federal statutes. 

Therefore, I demand that you : Investigate the accuracy and validity of the accounts listed above in compliance with federal regulations. 
Provide Written Confirmation of receipt of this request. 
Supply Documentation that verifies the debts, including any original agreements or contracts. 
Please be advised that failure to comply with this request will compel me to escalate this matter through the following actions : Filing a Complaint with the Federal Trade Commission ( FTC ). 
Engaging Legal Counsel to pursue a claim for violation of the FDCPA and FCRA.

Reporting the matter to the Office of the Attorney General for my state, potentially resulting in legal action.
Consumer complaint received 2021-07-20
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. (TX)

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to XXXX XXXX-loan company. The agent stated that they bought my information from XXXX XXXX. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the XXXX XXXX that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the IC3 site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (PA)

XXXX is currently updating an account on a monthly basis that was XXXX in a Chapter XXXX Bankruptcy over XXXX years ago, on XXXX and XXXX  XXXX reports XXXX which violates the Fair Credit Reporting Act.