davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

To whom it may concern:
I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from
reports immediately if it is inaccurate or misleading, as this will only harm me further!Upon review of my report, I noticed that
several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this
document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not
received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied
with the reporting requirements, and report without any deviations. Please note that if you have not complied with the
requirements, I will need to remove them from my report.Per 15 U.S.C  1681e Whenever a consumer reporting agency
prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information
concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 (Regulation V) requires furnishers to: A -
Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about
accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe
XXXX standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards
jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracywhich affects your federally regulated reports!With that said! I found some mistakes and inaccuracies in your report, which I
would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate
statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc. (NY)

They misinterpreted everything i have said. I knew nothing about they policy on limit of days. They don't care that stuff is system error and wont fix the fees for an account that wouldn't swurltch back to personal. I have communication barriers and comprehension issues. And a 5th grade writing level. They where twisting everything i said. I have had accounts hacked i am an identity theft victim. I had to close accounts after getting them recovered that where hacked. I finally reopen an account and deal with all of this.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

( Last 4 of Account numbers ) XX/XX/XXXX - ( XXXX Bank ) - Account / # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX ( XXXX XXXX  ) # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX. ( XXXX XXXX # XXXX XX/XX/XXXX / ( XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX5 U.S.C. 1681 Sec. 602A. : ) STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Sec 604A Sec. 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION!!

15 U.S.C 1681 c. ( a ) ( 5 ) Sec : STATES NO CONSUMER REPORTING SGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEAMS OF INFORMATION, ANY OTHER ADVERSE ITEAM OF CONVICTIONS OF CRIMES WITCH ATTENDS THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO CONSUMER TO ANY CONSUMER REPORTING AGENCY, IF THE PERSON KNOW REPORTING OR HAS REASONABLE CAUSE TO BELIVE THEY THE INFORMATION IS INACCURATE!
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (CA)

Synchrony contacted a phone number they found associated with me, however not my number nor does the person no me personally and asked for me, when the person told them that wasn't my number they told them to me me who was calling and that I owed a 2020 debt with them and they'll be suing me.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

This is in addition to the previous compliant. XXXX. 
I called Home Depot Credit and they told me they have already processed a refund of the overpayment. They said they are sending it to my bank. I have never paid the bill from the XXXX XXXX XXXX Web site. I have always sent it from my Bank Account. 
I ask how do they know my bank account and they claim I gave it to them and ask for it to be saved. I did no such thing. I have asked every time I called for a check to be sent. 
I have paid the monthly bill from 3 different banks.

I check on line and dug around on the Home Depot Credit web site and found they are sending me a letter billing dispute resolved. I have only ask for my over payment to be sent back to me via check. 
I have requested they remove my bank account info from there system. I really don't know how they got it and do not know if it is even correct. I requested they close the account. I going to shop at XXXX.
Consumer complaint received 2019-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with Transunion amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years
Consumer complaint received 2019-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

My complaint is about 2 XXXX banks that are allowing international scammers to launder the proceeds of crime through the banks. My bank in the XXXX has informed me these banks are aware these people have used these accounts to steal other peoples money and yet still allowed this to happen to me. The banks in question are : 1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX California CA XXXX. 2 fraudulent transactions were processed through this bank. 

a ) XXXX XX/XX/2017 {$4500.00} b ) XXXX XX/XX/2017 {$7000.00} XXXX bank XXXX XXXX XXXX XXXX California CA XXXX. XXXX transaction through this bank. 

a ) XXXX XX/XX/2017 {$10000.00} I need this investigated please and require a refund in full from these banks for allowing illegal activity to proceed.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I am AUTHORIZED on my sons XXXX XXXX Card. They are reporting late in error and I have called them to remove my name from the account and they refused to. They hung up on me once I advised them I was recording the call of them stating they refused to remove me. 

By law I am not responsible for the account and I am only authorized, I demand they remove my name from this card and remove the whole tradeline from my credit. 
I do not want it on my credit at all ... 
Under the FCRA and the FDCPA they are in clear violation.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2023, I have noticed an inaccuracy on my credit report. I am not liable for XXXX XXXX XXXX XXXX XXXX. This account is not mine. I have no knowledge of this account. I did not signed into a contract with them. I have the right to privacy under the FCRA law. Any credit reporting agency can not furnish an account without my written consent under the FCRA law.
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

My mortgage was purchased from XXXX XXXX by Rushmore Loan Management. Rushmore has seemed sleazy from the get-go. As a result, I send all my mortgage payments " 2 day mail '' in case Rushmore lies about when they receive my payment and charge me late fees. Well, sure enough, they have charged me late fees when they have received the payment on time. I have documentation from Rushmore that they assessed late fees on XX/XX/2018, when they had already received my payment ( they received my mortgage payment at XXXX XXXX on the XX/XX/XXXX ). Rushmore was only to assess late fees on payments received after the XXXX of the month. Even though they had my payment on the XXXX ( they admitted to it ) they assessed a late fee of {$100.00} I have never paid late!!! Rushmore has assessed me a total of {$540.00} in late fees even though they have always been paid on time. I continue to faithfully pay my mortgage on time ( for 20 years ). Never late! But Rushmore has assessed late fees on payments they receive on time. Now, Rushmore has put my loan in default for not paying their bogus late fees ( All payment have been made ... and made on time ). I have no doubt that Rushmore has planned this all along. I see that your bureau has received 1,251,852 complaints about Rushmore. I have tried repeatedly to have Rushmore take care of this, but they won't fix it. I need your help! They need to be shut down, fined, etc.!! Thank you
Consumer complaint received 2019-04-03
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. (TX)

I have disputed the late payments for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX   XXXX
Consumer complaint received 2023-02-24
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: Transfinancial Companies, Inc (TX)

There are fraudulent accounts by this company that were opened in my name as the result of identity theft, I reported this to the XXXX PD onXXXX after I reviewed my free annual credit report and saw the accounts on my file. I filed a report case # XXXX with XXXX XXXX XXXX on XXXX regarding this theft and use of my identity.
Consumer complaint received 2023-02-24
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: WELLS FARGO & COMPANY (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (OH)

received automated phone call from a company this morning XXXX at XXXX calling from a XXXX in regards to a matter that was being judged today as well as a reference number i was connected over to a man who became extremely aggressive when i explained the debt was paid a few years ago. he became extremely aggressive and verbally abusive and hung up. I called the number that was provided back and got the name of the company and location of the company. 

XXXX in XXXX XXXX Fl. 
XXXX The man 's name is XXXX XXXX.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

Unrecognized Inquiries XXXX XXXX XX/XX/19 On XXXX and XXXX and Experian XXXX XX/XX/19 On XXXX and XXXX   and Experian XXXX XXXX XXXX XX/XX/19 on all 3 bureaus
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I tried to send almost {$2000.00} at XXXX and the transaction was cancelled due to having no ID. I was charged but never received the service. I was supposed to receive a refund back to my card but it never happened. My account has since been closed and I'm out of almost {$2000.00}.
Consumer complaint received 2023-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

Hello my name is XXXX XXXX on XXXX XXXX at XXXX I was contacted from the chase customer service number telling me that there were some fraudulent activity on my account that there were some wire transfers pending and the representative said we had to schedule a reverse wire transfer he then proceeded me through the process only to have me transfer all of the money out of my account {$17000.00} I contacted the chase number back as soon as possible they said the transfer was completed I let them know it was a fraud and I had been scammed by a representative im currently waiting to hear back from them with no hope. I also went to my nearest chase branch and there was nothing they could do. The same day I called XXXX XXXX XXXX which is the thiefs bank where the money was wired they said they couldnt help me and could only talk to the fraud team at chase. I later messaged chase fraud and they spoke to XXXX  XXXX XXXX and said they were requesting a hold of harmless letter which chase would not give me. I have contacted XXXX XXXX XXXX XXXX XXXX only then did I hear from a chase executive representative she took days to get back to me. She was able to send a hold of harmless but i have not heard anything. I am a mother of two with one on the way this was all of my savings they took all the money and left me nothing I have no hope that chase will help me so I am reaching out with hopes that you might be able to help me please feel freee to contact me
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-12-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kashia Services (MI)

I was contacted by the company Better Day loans, out of XXXX California on XX/XX/XXXX after XXXX EST. They said I had filled out an application, and did I want to proceed. I told them that I had not filled out an application, and that they should remove me from the system. 

I asked for a manager to make that request, who then asked for my social security Number. I told him no, I then asked for his name ( He gave it as XXXX XXXX ). He then said they would cancel all my info and send it to an email. He wouldn't tell me the email, so I could not verify if they were even stripping out my information correctly. 

My phone captured their information as : Response Team XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , OK XXXX
Consumer complaint received 2023-02-24
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. (MD)

I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Please validate this information with these companies and provide me with copies o f any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number .While checking my most recent credit report, I noticed credit inquiries that I did not authorize, credit check made by the following companies : .1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX2 5 XXXX XXXX XXXX 6 XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9 XXXX XXXX XXXX 10 XXXX XXXX XXXX 11 XXXX XXXX XXXX 12 XXXX XXXX XXXX 13 XXXX XXXX XXXX XXXX 14 XXXX XXXX XXXX 15 XXXX XXXX XXXX 16 XXXX XXXX XXXX 17 XXXX XXXX XXXX 18 XXXX XXXX XXXX 19 XXXX XXXX XXXX 20 XXXX XXXX XXXX 21 XXXX XXXX 22 XXXX XXXX XXXX 23 XXXX XXXX XXXX 24 XXXX XXXX 25 XXXX XXXX 26 XXXX XXXX XXXX 27 XXXX XXXX 28 XXXX XXXX XXXX 29 XXXX XXXX 30 XXXX XXXX XXXX 31 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 33 XXXX XXXX 34 XXXX XXXX XXXX 35 XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report XXXX 

The following inquiry is more than XXXX years old and I would like it removed XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

PayPal gives little indication it collects a foreign exchange fee of almost three percent for a purchase in foreign currency -- the purchase page defaults to a converted amount in USD, with only a subscript conversion rate and an ambiguous link to " View conversion options. '' Only elsewhere on PayPal 's website does PayPal indicate it makes money from currency exchange ( marketed as " competitive with rates used by banks '' ), which led me to call my bank after a purchase on XX/XX/2019 for XXXX GBP and learn PayPal took XXXX USD as an exchange fee. A quick search shows numerous other complaints on PayPal community forums and news articles about PayPal 's ambiguously disclosed foreign exchange fee.
Consumer complaint received 2019-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (DC)

Selene is in the process of a auction forclosure Sale date is XX/XX/XXXX. The judge ask me last time when I was in court do I wish for them to process the Forclosure. I dont understand why she asked this because I actually have a mortage statement from Selene that was issued on XX/XX/XXXX that says that they have completed the first Forclosure proceedingXX/XX/XXXX. Even though I never got notice that they had even started the process at first. I am not sure exactly when the exact date started of the forclosure but had my address but never sent me notice that they had started the process. I am trying to find out the initial day the forclosure proceeding started. I also see on XXXX that the house was sold XX/XX/XXXX for {$120000.00} so how is this possible if they are taking me to court now to do a forclosure. i dont know what is going on but can you see if you can get some answers to these questions.
Consumer complaint received 2019-03-05
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (TN)

I never received a bill from XXXX XXXX credit card company. They then closed my account but continued charging me fees. I paid the original amount due. My bank cashed a check in the amount of {$52.00} on XX/XX/, 2018. They ( XXXX XXXX ) sold this note to another company. That company ( Resurgent Capital Services ) failed to do anything to resolve this issue and refuses to acknowledge that I paid anything to XXXX XXXX even though I got a letter from my bank confirming the payment. Resurgent continues to pursue me and refuses to take this off of my credit report.