davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
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. (PA)

Credit bureau is reporting an account from XXXX XXXX XXXX. XXXX XXXX XXXX received my personal medical information from XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This is a HIPAA violation! I did not authorize for my medical information to be sent to a third party. Please remove this account from my credit profile immediately! This is a violation of my rights. Legal action will be pursued if this account is not removed immediately. 

I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2024-07-03
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. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-03
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 have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2024-07-03
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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

I am in the process of purchasing an automobile for my business and was concerned on why I am getting denied due to my excellent payment history. I decided to check my credit on www.experian.com. 

Upon checking my credit report today XX/XX/XXXX I noticed a collection account from XXXX which states it was opened on XX/XX/XXXX and is a XXXX account. which is {$3.00}, XXXX past due as of XX/XX/XXXX. I attempted to contact the company on their website https : //rentrecoverysolutions.com/ to dispute the inaccurate information to no avail. There was not a dispute label or contact method available to dispute immediately. 

This account does not belong to me. The original debtor is XXXX at Champions per my XXXX credit report. I also noticed additional name spellings and also addresses and phone numbers that are NOT mine. 

I have never resided, nor heard of such community. I've resided at my residence since XXXX which is a house and do not have need for an apartment. 

Below you will find an energy bill from XXXX which has my current home address, a copy of my lease agreement and a copy of the negative item on my credit report.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC (ID)

In XX/XX/year> Social security administration erroneously reported me deceased by a mistake made by an employee at the social security administration. Since this mistake with the social security administration every one of my credit cards except for 2 ( my XXXX XXXX credit card and XXXX XXXX XXXX XXXX credit card ) closed and charged off immediately following of this reporting of me being deceased as I was current on all my payments and was false closure and charge off my credit cards. These credit cards are with XXXX  XXXX XXXX, card ending in XXXX, XXXX XXXX  ending in XXXX and XXXX XXXX XXXX  ending in XXXX claiming on all accounts timely payments were not made which is in fact untrue as all these credit cards were closed not allowing me to make my timely payments as of XX/XX/year> when I called XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I was current on all these credit cards listed above prior to closing of accounts as of XX/XX/year>. I have called XXXX XXXX XXXX on numerous occasions requesting a dispute with no response to my dispute. These were also referred to their attorney for further collection/legal action to Johnson Mark LLC and I called XXXX and requested also to dispute these collections on all 3 credit cards as it was current due to closing of cards and was violating my FACTA and FDCPA rights for not reporting true and accurate information about my debts and was wrongfully charged off with the original collections. I have begged and pleaded to dispute and seek resolution on these debts with XXXX XXXX XXXX and Johnson Mark LLC on numerous occasions and now I am with an legal judgement on these with no right of disputing these claims. I have since recently retained counsel with XXXX XXXX XXXX and was advised by counsel to attempt to seek resolution by filing a complaint through CFPB. Thank you.
Consumer complaint received 2024-07-03
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-22
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK ()

I sold XXXX to a buyer on XXXX, the buyer paid me through XXXX, and I have all the evidence of the transaction. When the transaction was over, the buyer maliciously appealed to XXXX for a refund, and the buyer lied to XXXX that I bought a camera from me and I did not ship it, and apparently this is a complete and absurd lie and now the money has been returned to this person 's account by the bank without my consent, and I was scammed by him. 

I have all the proof, including recording a video with the scammer on the trading screen of the cryptocurrency exchange. Banks can also check with cryptocurrency exchanges. 

The point is that on XX/XX/XXXX, the bank, without my consent, without asking me for more detailed and sufficient supporting materials, and without checking with the cryptocurrency platform that I transacted with the scammer, solely based on the scammer 's word, the bank deducted my {$1200.00} to the scammer. This practice of the bank has seriously damaged my legitimate rights and interests. 

And the bank closed my account without permission.I can't use my account normally right now. I have balance in my account.
Consumer complaint received 2024-09-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I don't actually have a credit card with PayPal Credit/Synchrony Bank , just a purchasing account. 

I made a purchase from XXXX on XX/XX/year>, which a refund of {$190.00} was done by the company on XX/XX/year>. I used my PayPal Credit/ Synchrony Bank account for the initial pupose of {$400.00}, order # XXXX. 
XXXX notified PayPal Credit/Synchrony Bank and refunded the {$190.00}. However, PayPal Credit/Synchrony Bank erroneously charged the amount to my account several times, then refunded the {$190.00} once, but continued charging the {$190.00} that should never have been charged. 
This all began on XX/XX/year>. I've contacted them countless times regarding their error, yet they've continued the charge, and allocating my payments, NOT as I've requested and indicated. My payments were to be applied to my promotional purchases, which from that point in 2023 all my purchases were promotionals. As a result of the fraudulent charge of {$190.00}, and portions of my paymments being misapplied to the {$190.00}, some of my promotional purchases were not paid off timely, and interest was charged for these promotions that went into arrears. 
I've contacted PayPal Credit/Synchrony bank each and every month to make payments and allocate which purchase the payments were to go to, yet they've continued to not correct their error and to misallocate my payments as they see fit. 
They send me generic letters stating my payments were allocated as requested and as required by law, yet the letters are NOT specific in what amounts were allocated and to what or which purchase account. 

I want the {$190.00} refunded as well the interest charged as a result of mis-allocating my payments to that amount. 

Email from merchant : Subtotal : {$410.00} Regular Shipping : {$0.00} Discounts : - {$16.00} Coupon XXXX Applied ( 4 % off on all orders with coupon XXXX ) for {$16.00} TOTAL : {$400.00} Refunds : - {$190.00} TOTAL CHARGED : {$200.00}
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2023, I sent a letter to Equifax regarding a XXXX XXXX collection account that was reporting an error and was inaccurate from what I understood for {$310.00}. I requested this to be investigated because it was inaccurate and to remove this item from my report. I also requested information regarding this, and I never received any additional information only that the collection account was verified. 

After mailing my letter to the Equifax credit bureau, I also sent a letter directly to XXXX XXXX on XX/XX/2023, which they never responded to me with anything that verified the collection account or non of the requested items I requested in my letter. 

Therefore, I sent another letter back to Equifax requesting their description of their investigation which they received on XXXX, and their XXXX to respond to that was up on XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Please refer to CFPB COMPLAINT ID XXXX. I incorrectly named the credit bureau I'm having difficulty trying to access. I need help with Equifax not XXXX. 
I received several emails from XXXX and XXXX that my social security number was compromised/breached from XXXX XXXX XXXX The same thing happened a few months ago from another agency ( XXXX, I think ) and all my credit bureau accounts except EQUIFAX are frozen. I tried to get help from EQUIFAX at that time but after being sent from XXXX agent to another they told me they would call back. Well, I forget about the incident until today 's breach. I can't login to EQUIFAX because it doesn't recognize my input but if I try to recreate the account it tells me I already have an account. This is the same unresolved issue from months ago. I'd like to access my EQUIFAX account so I can freeze my reports but I get no love from EQUIFAX. Can someone help me? Thank you.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Universal Fidelity LP (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Internal Revenue Service Department of the Treasury XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Concerns Regarding Collection Agency Activities and Charitable Contributions Dear Sir or Madam, I am writing to bring to your attention a matter concerning the activities of Universal Fidelity Limited Partnership, a collection agency, and their reported direct support and funding of XXXX ministries. 

As a taxpayer and a concerned citizen, I have questions regarding the potential implications of these activities on their tax-exempt status and whether such practices align with IRS regulations . Specifically, I am concerned about the following : 1. **Use of Collected Funds** : It is unclear whether the funds collected from debtors are being used in a manner consistent with IRS guidelines for charitable contributions, particularly given that these funds are being directed towards religious organizations. 

2. **Transparency and Disclosure** : I would like to understand if Universal Fidelity Limited Partnership is required to disclose the recipients of their charitable contributions and how these contributions are accounted for in their financial reporting. 

3. **Compliance with Non-Profit Regulations** : I am also concerned whether the collection agency is complying with the regulations governing the tax-exempt status of the organizations they support, and whether there is any potential for these contributions to be used in a way that might contravene IRS regulations. 

4. **Implications for Debt Repayment** : There is a need for clarity on how these contributions might affect the obligations of debtors, particularly in cases where funds that could potentially be used to settle debts are instead being funneled into religious organizations. 

I respectfully request that the IRS investigate these concerns to ensure that all activities are in compliance with applicable laws and regulations. I believe it is essential for taxpayers to have confidence that collection agencies are operating transparently and within the bounds of the law, particularly when it involves charitable contributions to religious organizations. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-26
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. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (GA)

I initially mailed Lendmark Financial Services a notarized promissory note for {$12000.00} to pay off my loan for a personal vehicle. They refused to LEGALLY honor or dishonor the note. I then mailed a notarized " Breach of Fiduciary Duty '' letter to them informing them on the laws that they were breaking in not honoring or dishonoring my promissory note. I told them that were making me go through harm mentally, spiritually, and financially by not trying to help me when I'm clearly striving to pay the debt by all legal options. My next step was mailing them a notarized affidavit asking for my " Debt Validation/Verification/Conditional Acceptance Letter/Hardship '' concerning the loan because they NEVER gave me a copy of the loan paperwork after I signed for my " loan '' initially. I also asked for my original promissory note back because them keeping it is their LEGAL ACCEPTANCE! They granted me my " Hardship '' but, they failed to respond by a legal affidavit with the answers to all of my validation/verification inquiries under their sworn statement that the responses would be accurate. I called today and was told by XXXX XXXX ( Manager ) that their legal dept. instructed her to tell me that they were not going to entertain any more of my " FRIVILOUS '' letters concerning me getting information that I'm entitled to concerning me and my social security number that I signed! WOW! My next steps will have to be rescinding the contract because I was legally incompetent to sign any paperwork without legal council and/or full knowledge concerning a CREDIT transaction disguised as a " CASH LOAN '' in which I NEVER received any cash directly. They failed to instruct me on all details and processes with the transaction as well as providing me with a copy of all the paperwork concerning my loan, which affected my ability to rescind the contract in 3 days. If I knew that they would have such poor customer service and respect for their customers I would have NOT contracted with them and help them commit securities fraud! I mailed all letters by certified mail, I have copies of all letters that I mailed them, and a copy of the promissory note. I recently sent a letter asking for ALL securities concerning my account, name, and social security number to be credited to my account immediately since I felt as if they were committing securities fraud. I was told by a representative that a response was mailed, but I told her that I never received it and asked for another one. Still NO RESPONSE and total disrespect.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need my claim Claim # : XXXX to be reopen or appeal or dispute again or reinvestigated because I got a email today saying this Information about your online fraud claim Inbox XXXX Wells Fargo Online to me XXXX hours agoDetails Claim # : XXXX Dear XXXX XXXX, We need more information to complete researching your claim you filed on XX/XX/year>. Please contact us at the number below at your earliest convenience. 

If we do not hear from you within 10 business days from the date you filed your claim, we will resolve your claim with the information we have available to us. 

Please call us at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. Well be able to answer any questions you have at that time. We also offer language assistance services if you need them. 

Thank you for choosing Wells Fargo. 

Sincerely, Claims Assistance Center Online Fraud Claims And when I called them some agents didnt want to help me or or didnt understand what I saying and when I call back another agent didnt help me he say it was closed and when its not closed I need to add this information to the claim I didnt unauthorized the payments when yall reopen the claim up if it is closed it closed yall closed it out for no reason when I got a false email asking me to call yall for more information and I did that and reopen my claim up and investigate it again or give me a one time credit for the total amount and also add this to my claim I didnt authorized the payment its is fraudulent and send me the information yall requested from me so yall can use that information yall get from me later to add on to my claim later and he also unblock my login XXXX but he didnt unblock my XXXX access I need it to be unblocked too still it say this As youve requested, weve removed your access to XXXX. 

If you have questions, were available XXXX at XXXX.My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX