davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I notice the charge of XXXX on my credit report and I have never in my whole life have ever had a credit card for that much money the most I probly ever had was me be XXXX so I XXXX I was trying to figure out what this was the company won't take it off but it is not mine so I had to do a density test report not only that I have disputed it with the critic bureaus many times he capital one will not take it off they keep saying it's mine I want this taking off immediately it's ruining my credit and it's ruining everything in my life where I can not be forward it is definitely not mine it makes me very angry By social with a part of the XXXX XXXX   security breach data breach and I wonder if I was a part of the capital one as well
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CNG FINANCIAL CORPORATION (TX)

For the last month, I have been receiving threatening phone calls and text messages saying that I was seen cashing a check on video surveillance cashing a check at Check N Go. The person said they were a attorney office, and then verified my social security number. When I objected that I had not written any check to Check N Go or cashed a check at their store, the person on the phone became aggressive and called me a liar. I asked for her company name and address, and she began to tell me that I was going to be prosecuted ( XX/XX/XXXX ). ON XX/XX/XXXX, I received a test message from the following number XXXX with the following message " Ceck N Go/Hot Check Division your pending legal action. Please call XXXX to pay immediately you may be placed on Texas bad check warrant roundup list. '' I replied in a response text " I have never written a check to Check N Go. Clearly this is a mistake and or identity theft or someone is frequently framing me. I am filing a police report regarding this matter immediately. They refuse to specify the amount. 


I would like to have this matter investigated because I have received no written correspondence about this matter to my home or mailing address, and have not done business with this merchant. I do not even have checks, and I am tried receiving these threatening calls and text messages about this matter. Please investigate Check N GO and this matter in my behalf.
Consumer complaint received 2019-08-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There are errors in my credit report with the dates. They continue to change the dates on accounts from portfolio recovery, which I never had any debt with. I filed a dispute and the result was that dispute resolved, customer disagrees. Yet the dates are still incorrect. I was told the best thing to do is to file a claim with FCRA attorney against the FICO agency. Some of these accounts might be passed the 7 yrs and thats why they continue to update the dates.
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I applied for the PSLF program back in XX/XX/XXXX. After countless hours spent on numerous follow- up phone calls for a year and half, I finally got my " qualifying payments '' statement. This is only after a complaint filed with the CFPB. 

On XX/XX/XXXX, a statement was mailed stating that I only made 2 qualifying payments between XX/XX/XXXX to XX/XX/XXXX. However, according to my records I made a total of 7 that should be counted towards PSLF ( see attached receipts and bank statements confirming transactions ). When I called Fedloan, the CSR told me that my first payment was due XX/XX/XXXX and since I did not make payment until late XXXX, I was late and therefore that payment and all others do not count for PSLF. However, according to my records, my first payment was not due until XX/XX/XXXX so all payments were made on time. 

The CSR told me to scan and upload all my evidence and she would file appeal. I asked her how long it could take and the response was it could take up to the same amount of time as the initial processing time- a year and a half! I told her this was their mistake and I should not have to wait another 1.5 years for a response to the mistake they made ( and I only got a response of my qualifying payments because I filed a complaint with the CFPB- it could have taken even longer if I did not file complaint ).
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (FL)

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (CA)

I had a PayPal Business Merchant Account that was to be used for my company XXXX for clients paying reoccurring subscriptions. After several months of trying to contact PayPal and being transferred to multiple departments to explain that payments are not being obtained from my clients and that payments processed from paypal are not appearing into my companys account I have had no successful resolution. My company XXXX is currently missing over {$100000.00} due to unsuccessful payments processed on the PayPal side. 

PayPal has sold me multiple products which are seemingly all different departments which causes me to go in circles when trying to resolve the issue. Aside from trying to explain to PayPal the situation and upload documents for them to review they're unable to do a screen share with their clients and or obtain emails a client would like to send them to obtain the documents. 

When I have previously used their portal to upload the documents I haven't been able to get a successful resolution by their support department and or whoever deals with potential fraud, security issues, and or customer complaints. 

Aside from the payments not being processed my account has gone negative {$38000.00} from supposed clients of mine who have asked for refunds or stated that the charges were not authorized and when I compare the chargebacks the charges are made under my clients name but the documents shown by PayPal show a previous developer hired by my company to build out the software platform owned and or operated by XXXX XXXX.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've had an issue with all 3 major credit agencies. XXXX, XXXX and TransUnion. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. XXXX screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with TransUnion and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (MO)

Freedom Mortgage has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at Freedom Mortgage corporation. I called Freedom Mortgage and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Consumer complaint received 2023-05-31
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I am filing this complaint with the CFPB ( Consumer Financial Protection Bureau ) regarding fraudulent items appearing on my credit report. Upon recent discovery, I have found multiple items on my credit report that I did not authorize or participate in. I have taken the necessary steps to dispute these fraudulent items with both the credit reporting agencies and the relevant creditors, but unfortunately, I have not received a satisfactory resolution. Despite providing ample documentation and evidence of the fraudulent activity, these items persist on my credit report, continuously harming my credit score. I strongly believe that these fraudulent items are a direct result of identity theft, and I am deeply concerned about the potential consequences for my financial well-being. Therefore, I kindly request the Credit Reporting Agencies to investigate this matter thoroughly and take appropriate action to ensure the removal of these fraudulent items from my credit report, as well as the restoration of my credit score to its previous state. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} 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 . As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my TransUnion free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 has not been updated. I sent TransUnion a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.
Consumer complaint received 2023-04-15
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. (CA)

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting 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. (MO)

I have contacted the credit Bureaus about inquiries that I didn't authorize on my consumer report and I called and requested for all XXXX Bureaus over the phone to have them removed. Upon checking my consumer reports I see the inquiries still reporting on my credit report and they haven't been removed I do not have a open account with any of these inquiries I want them deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax 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 XXXXequifax 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 This is a list of the names of the creditors, the dates of the inquiries and the Bureaus that are reporting the inquiries that I didn't authorize I have contacted each consumer reporting agencies to delete these inquiries but it hasn't been completed as of today 's date of XX/XX/year>
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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)

XXXX XXXX is falsely reporting late payments on my credit report. They agreed to take it off of my history as this was their fault for the months of XXXX and XXXX. Spoke to them for over two hours and promised me that by the next billing cycle everything will be fixed and current.
Consumer complaint received 2022-11-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc. (CA)

I got a notice of collection on XX/XX/2022 from Kingston Data and Credit International Inc that I owe XXXX XXXX ( XXXX XXXX ) {$210.00}. I would like to dispute this credit. It is not true. In early XX/XX/2022, I went to visit the gym to cancel my membership, but the manager accepted and suggested me to pause my membership for 6 months, and in case I would like to resume or cancel it, I can just come in and report them, so they can cancel without any more charge because they already charged me the XXXX fee. In XX/XX/2022, I went to report them, I would like to cancel it and no more resumes, and the manager agreed. 

From XX/XX/2022 until currently ( XX/XX/2022 ) I never visited the gym once. You can check my facility card login history to know the truth, and I also have no idea why I owe them {$210.00}. The amount is not true and the gym managers action is also unlawfully wrong to do so. He provided misinformation and tried to collect money by Kingston Data and Credit International Inc I emailed to dispute the claim to both Kingston Data and Credit International Inc and XXXX XXXX XXXX  XXXX XXXX ) as soon as I received their letter on XX/XX/2022.
Consumer complaint received 2021-04-28
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: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX, up to now XX/XX/XXXX, XXXX no actions were taken with the company. I have been trying to get this company to do the right thing since last year. The bank keeps going with the merchant. they have been going with him from day one because he signed my name on the delivery slip and it not mind signature. I fax the bank my signature and they still went with the merchant, they also have a recording that they refuse to listen to. I have been asking them to look into this matter more and they refuse to do that as well. I don't have any of my items at my house then and still don't have them now. I needed yall to look into this matter for me deep into it because I should not have to pay for something I don't have. The fraud department at the bank won't open an investigation on this matter at hand. I try all I can do to get this right and the bank not doing anything to fix the problem at hand. This is the second complaint I did on this bank and it went nowhere at all. The bank doesn't call or write me for any information at all so all the documents I sent to them on my own and they still not doing anything. I need help with all the hope I can get. Thank you
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc. (MA)

In XXXX I sent copies of an identity theft affidavit ( with a police report and FTC report ), pertinent identity documents, and updated personal information to all 50 consumer reporting companies listed on the CFPB website ( using certified mail and spending over {$200.00} ). Each letter sent also included a full-file disclosure request and an extended fraud alert request. The National Consumer Telecom and Utilities Exchange ( NCTUE ) was one of the 50 consumer reporting companies I sent a letter to. NCTUE responded with a letter ( dated XX/XX/XXXX ) notifying me that they placed an extended fraud alert and updated my file. This letter showed my updated address and correct hyphenated name. 
On XX/XX/XXXX, I placed a security freeze on my NCTUE file ( following potential bank fraud I experienced two weeks ago ). The address on the security freeze confirmation document shows my former address in New Jersey and my non-hyphenated maiden name. 
ALL DOCUMENTS AVAILABLE UPON REQUEST.
Consumer complaint received 2021-04-27
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
Consumer complaint received 2021-05-20
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: CCS Financial Services, Inc. (TN)

Credit collection ( XXXX ) inaccurate reporting not listed under XXXX  and XXXX XXXX is not reporting anything on my credit report XXXX XXXX Vehicle Loan that was charged off it does not belong to me, it is a result of Identity Theft, there was a fraud alert placed on my account in reference to this account.