davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For over a year now I've had none stop problems with Trans-union and how they've miss managed my Info and identity. all of these issues have been on going for 18 months plus. I can't get any service Trans-union offers online because every attempt to is meant with " We're unable to complete your request online. '' and " Error retrieving credit report ''. they give you a number to call, sometimes there a chat box, call the number and they want you to use the text support option, if you're patient enough, there's eventually a person to " offer you '' " support '' the only problem is they as useless as the quotes i just used for the word support. their automated system they use to verify my identity sure can match my personal info up with 20 easy questions that covers, My name, address, phone number, SSN, DOB, and so on and so. all the info they use to get me to a live person for help and no help. I've been told multiple times over the last year and half that I have a Current Freeze on my Trans-union and that i have to remove it, because my identity can be verified from trans-union. XXXX denies me for the account everyone gets approved for. good credit, bad credit, XXXX XXXX, second chance banks, death row. everyone is qualified for XXXX. Expect me! they deny me because they cant verify my identity. I have so much incorrect info listed on my trans-union credit report and i can't dispute it. online tells there's an error, call us. I call them and they say i need to use the online portal to verify my info. can't verify my info online, so i have to call this different number. call number, its the wrong department. I literally can't get anything done with them.
Consumer complaint received 2023-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (KY)

Started with XXXX XXXX XXXX paid off all equipment in XXXX, and then received a letter from Zion 's explaining we owed {$1900.00}. We received a call in XXXX from XXXX during XXXX that card on file had expired, said we owed {$230.00}, we agreed to pay this amount to stop the XXXXXXXX XXXX and continue to pay the equipment. The equipment was financed with XXXX and was being withdrawn from bank account ending in XXXX through XX/XX/XXXX. The equipment was paid in full at this time, {$1400.00}. We did not get any other call from XXXX, then we received the collections notice from Zion 's on XX/XX/XXXX, claiming we owe the {$1900.00}. We attempted to contact 3 times to dispute, and we were told we had to pay this debt. However, per our records and all of this information, we feel we do not owe any of this debt, aside from {$230.00}, which we are willing to pay. XXXX refuses to deal with us because they sold the debt and now Zion 's is demanding money that is owed or sending to collections on XXXX Nothing was received since we spoke to them in XXXX, then all a sudden we are in collections and Zion 's is not allowing us to dispute, even saying in an email, the do not talk on the phone. It seems like it is scams. We wanted to get this resolved immediately and now we are concerned about this this because nothing is adding up.
Consumer complaint received 2023-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC (PA)

Original Creditor : Rise Credit Of Delaware, XXXX XXXX RISE Acct # : XXXX Current Creditor : XXXX XXXX XXXX, XXXX XXXX 
XXXX File # : XXXX Balance : {$3500.00} This resulted in Identity Theft Provided Police Report when asked and Affidavit year XXXX and XXXX
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (KY)

I purchased XXXX XXXX service in a new subdivision in 2020 because they were the only providers at the time. They had to come to the house several times. Independent contractor could not get servive to work and would not return. XXXX XXXX XXXX  got service working but clouds kept interrupting service. I called in over XXXX times finally I was told that I would get a final bill due to poor service area of around XXXX after all my troubles. When I finall got a bill it was for XXXX from collections I'm pretty sure it has been sold to other agencys 2 or 3 times and my score has dropped on several ocassions for the same collection debt. I will pay what I owe. I never had service for a solid week. It should be in the notes from me calling in until they agreed about my poor inconsistent service.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  concerning a persistent error they have been reporting on my credit report over the past XXXX months. Despite acknowledging this error in writing and apologizing, XXXX XXXX continues to re-report it, which is significantly impacting my credit score I first discovered the error on XX/XX/2023 when reviewing my credit report. 
I immediately contacted XXXX XXXX  via Email on XX/XX/2023 to report the error and requested its correction. XXXX XXXX responded and acknowledged the error, apologizing for the inconvenience caused. Despite their acknowledgment and promises to correct the error, XXXX XXXX has continued to re-report the same error on my credit report in subsequent months, most recently XX/XX/2023. The consistent re-reporting of this error has had a detrimental effect on my credit score, leading to a constant denial of Credit and very high interest rates I have attached copies of all relevant correspondence with XXXX XXXX, including their written acknowledgment of the error. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure XXXX XXXX ceases the re-reporting of this error and corrects my credit report in a timely manner. I also request that they be held accountable for any damage to my credit caused by this persistent error. 

Please let me know if you require any additional information or documentation to address this issue promptly. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In this is holding me back in hurting my credit profile from my future of purchasing me a new home
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I needed to get a replacement debit card, waited several weeks ( XXXX time at this point ), did not get a card. Found through the automated fraud system, that my card had somehow been activated and was used at a target store for around {$200.00}, and at a gas station down in XXXX XXXX for around {$50.00}. I was able to get the {$200.00} taken off and refunded, but was asked to submit the {$50.00} as a claim and was told that it would be approved. Fast forward XXXX, I just recieved a letter telling me that it was not approved and that I was responsible for the {$50.00} that was taken from my account before Id even recieved my card. The letter said that " The charge was authorized by me or made by someone who has permission '' absolutely false. I called once receiving this letter and was told that they can't do anything, more pressing I finally got their number to their fraud and disputes dept.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX  Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX Act Name : XXXXXXXX XXXX, Act Nane : XXXX XXXX  XXXX, ACT name : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

XXXX XXXX XXXXXXXX XXXX XXXX  actually owes me money, yet they place negative information to XXXX, Experian & XXXX as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (TX)

On XX/XX/XXXX at around XXXX XXXX, I initiated a standard ( non-instant ) transfer from my Square Business Account of {$4100.00} to my personal Chase Checking account via the Square Portal. I own both the business tied to Square and the said personal checking account. In the past, I've been able to make instant transfers between these accounts with no problems. The portal claims the money will be available in 1-2 business days. 

The following Monday was a holiday so I figured the money will hit the account on Tuesday, which didn't happen. I thought I'd give it another business day. On Wednesday, XX/XX/XXXX, after still not having the money in the account - I called Square Customer support. I was told two things : 1. They were having " issues '' with transfers the day prior so my transfer may have been affected. 
2. That it still shows a " Pending '' status. 

I was told to wait one more business day again. Thursday came and the money still hasn't arrived. I called Square again where I was told that now the status has changed to " Complete '' and was given a transfer trace number that apparently I can provide XXXX when I call them about the missing transfer. 

I called XXXX and was passed around until I was sent to someone apparently in the ACH department, only to be told that the trace number is of no use and they also do not see misrouted or any pending transfers whatsoever. The " XXXX XXXX '' number of XXXX for XXXX on Square 's help section was also no good and only routed me to regular Customer Support. 

I called Square again and informed them of my call with XXXX. I was instructed to go to a physical branch where I have to apparently ask for a letter that verifies who I spoke with at the branch, its fax number and the " dates '' they looked at. 

I went to XXXX today and was given a cookie cutter letter of my deposit summary- nowhere stating that an ACH transfer was not found on any date range. Apparently, if they have to type a custom letter, " legal : will be involved. I was given a business card of the branch VP with the fax number but that was it. 

I responded to the Square email with a copy of this verification statement XXXX gave me and a scan of the business card but it has been 5 business days since I sent the transfer and the money still could not be found.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX  loan accounts opened numerous times. These fraudulent accounts consist of Dept of Education XXXX Accounts open XXXX, XXXX, XX/XX/XXXX, XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The above companies have not verify proof of my identiy. drivers licence or signatures
Consumer complaint received 2023-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I entered into a settlement with Syncrony Bank for Ashley Furniture credit card for a settlement. The payments were to be {$180.00} for XXXX, XXXX, and XXXX. They never took payment for XXXX. So I called XX/XX/XXXX to find out why. They said they canceled the payment and couldn't tell me why. I spoke to XXXX @ XXXX. She said I no longer have a settlement agreement due to that payment not being received. I had the money in my bank waiting to clear. She then told me to contact ther credit counseling agency for help. Advised her at that time to cancel any other pending payments for XXXX and XXXX which they said would do. 2 weeks later they reported to credit account was charged off. 
XX/XX/XXXX they took {$180.00} from my bank account. Called to find out why if it was canceled for the settlement and charged off. They advised rep on XX/XX/XXXX didn't cancel the payment and I have to wait 72 hrs to request a refund and they can send me back a check. This is the most horrible collection process that I have ever came across. I have worked with the FDCPA all my life. This is so wrong by every stretch of the imagination. I want this account completely cleared from my credit as they broke every consumer right with me. I never gave permission to continue any payments and if they charged it off than why would the payments continue. They can't answer that other than saying it's still a debt. Ummm no it's not, you charged it off!!!! Now I have to fight for my funds back that illegally were taken without my authorization. Syncrony Bank is a joke and have reps you can't even understand. I have another account with them and if they do this account the same way we will have a law suit.
Consumer complaint received 2023-09-17
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. (PA)

I XXXX XXXX Currently have Fruad accounts and inquiries appearing on my credit reports. I have attached supporting documentation. 

1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$1100.00} 3. XXXX XXXX XXXX {$560.00} 4. XXXX XXXX XXXX {$560.00}
Consumer complaint received 2023-11-23
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. (GA)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-09-16
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. (CA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.