davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is related to a prior complaint : XXXX. For years I have had a " Serious Delinquency '' notation on my account- yet I have no pate payments on my credit report. I have called TransUnion 20 times to find out what is wrong. Their customer support is useless and gives me no explanation after spending hours and hours on the phone. 

Recently, I boughyt a subscription to XXXX On this site, I was instantly shown that my XXXX finance account had a negative status. This account has no missed payments. ( The facts are that the vehicle was totalled in a bad accident. My insurance, XXXX, paid the bill in full, and there was no missed lease payment. ) You can see the perfect payment history in the attached files along with the incorrect notation. 

This was my first real clue as to what was wrong. I went to the TransUnion site to dispute this. I have a subscription there. I went through the Dispute process. At the end - their software is terrible and buggy - I got a message : go to the " primary '' Dispute Center if you want to upload files. What a miserable user experience as I had already spent an hour trying to fill it in. It gave me a link to a different site- their Service Center. I logged into this site and sure enough in the Dispute Center their it listed my XXXX account as negative. It's their site!! Why couldn't they fix this years ago? It has cost me so much money. I would paste in a screen shot- but I can't because I can only have one dispute in progress at a time! How ridiculous. I want this problem fixed!!!! They should reimburse me for the higher interest rates I have been charged as a result of the error in their data they couldn't even find- for years.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

Over 30 unauthorized inquires appeared on my credit report and i did not authorize them Victim of fraud issue has not been solved i have placed a free and fraud alert on my reports and filed a police report but the credit bureaus XXXX, XXXX, or Equifax have yet to notify me with a responce or remove the unauthorized information
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (LA)

My personal information was accessed by several unknown creditors with out my knowledge or authorization and this was done over a period of months. Once i found out my information was compromise in several data breaches i began requesting my reports and found out. I need assistance because the credit bureaus have yet to correct my reports
Consumer complaint received 2024-07-29
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. (LA)

Equifax has allowed my information to be accessed by companies i never authorized or give permission to access my credit report or personal information i have had file two different identity report s and also CFPB complaints Equifax have yet to correct my information after i have notified them of this issues the have listed on my report over 9 different addresses and 15 inquiries that are not mine i have reported it to them in watering, by internet, and by phone I am not able to get the issue resolved i need assistance Equifax has had several data breaches ad i was a part of doses breaches i feel they are allowing my information to be compromised still and not properly removing inaccurate information
Consumer complaint received 2024-09-21
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (LA)

My name XXXX XXXX, a Federal protected consumer me, and I am making this complaint against Credit Management LP. for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. XXXX  demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Credit Management LP can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management LP continues its collection efforts, I will file for XXXX for actual damages caused and Credit Management LP will be held XXXX  liable for XXXX XXXX XXXX pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required Account # XXXX
Consumer complaint received 2023-03-14
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: Collection Management Holdings, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Kohl 's has decided to change their credit card from their own card to a XXXX XXXX issued by Capital One. Several weeks ago I called Kohls to cancel my credit card account specifically so that I would not receive a new Kohls XXXX card, which I don't want. A couple of days ago, I received a new Kohls XXXX card in the mail issued by Capital One. I tried calling the number on the back of the card to try and cancel. The automated system was impossible to navigate. I finally was able to get a person on the line after about 30 minutes on hold. She said that she was not trained in how to cancel my new credit card and I should call back in a few hours at the same number I just waited on hold for 30 minutes. I therefore have not been able to cancel this credit card - one that I never wanted in the first place. At this point I am unable to cancel the card and I have no way of knowing who to contact. The automated response system at the number listed is horrible and I have not been able to cancel this account.
Consumer complaint received 2024-07-15
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. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

The last time I was able to make a payment and access my account at Synchrony Bank was the first week XX/XX/year>. Since then I have not been able to gain access to my account to see when the next payment needs to be paid and what the exact balance is on the account. I have talked with Synchrony bank since the middle of XX/XX/year> and they will not or can not fix whatever is wrong. I feel there could be fraud going on but I can not tell because no one at Synchrony Bank will help. It seems they can be delaying doing anything so late fees will add up and I have no way of doing anything but trying to call them but their AI people eventually start sending you in circles so nothing is ever accomplished. They say to email them your concerns but in order to do that you need to log in to your account. When I try to log in, I get a message that my info does not match their info. How can that happen, I have had this account for XXXX  years? Hopefully you can help me or if you can not, please give me a name or email for someone that may help. I am at the point of reporting Synchrony Bank for fraud?
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I applied for a XXXX loan through Bank of America as a business expanding during the pandemic. Having been in business for months prior to the pandemic I was shocked to later be told I was denied because I was not in business when I applied. 

Bank of America initially denied, then deposited funds into business account. I thought at the time there was a glitch on the denial. I applied for forgiveness and kept checking and was told that my account was actively in process for forgiveness. 

I never received the letter from the XXXX, and BOA never told me I was denied. I attempted resolution multiple time with Bank of America, and they told be to go to XXXX. XXXX told me to go to Bank of America. 

I paid the amount due for a while anticipating some resolution but it never came, and now threats to turn over to treasury department.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NE)

On XX/XX/XXXX, I purchased a vacation package from XXXX XXXX XXXX. They required a payment of {$420.00} which I paid that day and it posted to my Chase credit card on XX/XX/XXXX. My second payment of {$380.00} was made on XX/XX/XXXX, and posted to my card on XX/XX/XXXX. My vacation package was for XXXX XXXX cruises XXXX XXXXXXXX XXXX hotel stays which can be used over the next XXXX years via XXXX # XXXX XXXX. I was promised XXXX different destinations for my hotel stay such as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and much more. On XX/XX/XXXX, I called XXXX XXXX and was told that my first hotel stay had to be in XXXX. This was a red flag and I wanted to cancel my package as I have family near the other destinations mentioned and I have been to XXXX  so many times I didnt want to go back. XXXX XXXX would not honor their original offer nor issue a refund. As such, I called my card issuer in XXXX XXXX  XXXX and Chase said they would look into it. Then they basically told me that they had a recording of me saying I agreed to the terms and conditions so they would not fight these charges for me. I felt defeated but wasnt left with much else of an option except to use the certificate for XXXX  so I could take advantage of the remaining vacation trips. So in XX/XX/XXXX I called XXXX XXXX and was told that they changed the name of their company and I have to pay them additional funds to book anything at this point. They are not willing to honor anything without me giving them more money which is complete fraud! I called Chase back and they told me that my original complaint wasnt even submitted as a vacation package. It was submitted as a time share which is not the case. The supervisor XXXX agreed that I should receive a full refund. I am requesting a full refund from Chase as they did not protect me from the beginning when I warned them of the consumer fraud and my initial chargeback was filed incorrectly. Ive been with Chase for quite a while now and at the very least this should be done as a onetime courtesy credit.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

Subject : Identity Theft Report Dispute of Debt Collection Entry by XXXX VANCE & HUFFMAN LLC Dear XXXX, I am writing to dispute a debt collection entry on my credit report that I believe to be the result of identity theft. I have recently reviewed my credit report and noticed an unfamiliar collection account listed by XXXX VANCE & HUFFMAN LLC with reference number XXXX. 
I have never entered into any agreement or contract with XXXX VANCE & HUFFMAN LLC nor have I received any services that would warrant such debt. Therefore, I am certain that this entry is inaccurate and must be the result of fraudulent activity. 
Please find attached evidence supporting my claim of identity theft which includes [ list any documents you are attaching such as police reports or FTC Identity Theft Reports ]. 
In accordance with Section 609 ( e ) of the Fair Credit Reporting Act ( FCRA ), I request that you provide me with all records relating to this fraudulent account so that I may further investigate this matter.

Furthermore, pursuant to Section 611 of the FCRA, please remove or correct this inaccurate information from my credit file within thirty days from receipt of this letter. 
Should you require additional information or documentation from me to assist in resolving this issue promptly, please do not hesitate to contact me at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have an unauthorized inquire on my TransUnion report. below is the information : Institution Information XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017 2017
Consumer complaint received 2023-11-17
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)

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 Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

In XX/XX/2023 In response to a vacation rental ad my wife & I sent money through Paypal for a deposit. The rental ad was fraudulent. Because the transaction was through Paypal 's " Friends and Family '' Paypal took no responsibility for the fraudulent transaction and has not complied with requests to provide information about the fraudulent poster. My local police dept detectives have also tried to no avail. I spoke with the fraudster before the money transferred ( on ar about XX/XX/2023 ) and he disappeared after the money transferred. All indications are that this person is in the US. XXXX XXXX is the name used. A XXXX search of the phone number used and that name came up with a person on XXXX XXXX XXXX  who may or may not be the fraudster. The account name on Paypal was XXXX. We lost {$650.00} in this transaction. 
In a separate incident my credit card was charged through my Paypal account by a company ( XXXX XXXX ) with whom I have never done business.I gave no authoriztion for the charges and didn't know about them until they showed up on my bill. Paypall claimed that they were recurring charges which they approved. That is false. Their " solution '' was for me to challenge the charges with my credit card company. I did this and had the charges removed. However Paypal should be held accountable for this activity and their lack of assistance.

Additionally Paypall 's security is useless. They claim that e-mails with a certain greeting at the top are the only ones that are legitimate. I have received and responded to fake e-mails with that exact type of greeting.They were fraudulent and the sender tried to get me to send money to clear up an alleged problem with my account. Fortunately I was not duped at that time. I realized later by looking at my account that this fraudster had set up dozens of transactions in the thousands on my Paypall account that were set to go through had I fallen for their ploy.

I find Paypall 's business practices deplorable and request that CFPB hold them accountable. I believe the " Friends and Family '' designation is nothing more than an opportunity for fraudulent transactions to take place. Paypall gets their commission and does nothing to help those who were defrauded.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unified Global Solutions LLC (MO)

The company sent a threatening text message to my phone stating that legal action would proceed if I didnt make a payment on an old debt. I freaked out gave them my debit card number. They continued to take out money on three different occasions. My wife contacted them, told them to stop taking the money out and spoke with XXXX on XX/XX/XXXX. He stated he would stop the payments. This never happens and again on XX/XX/year> they took out additional {$200.00}. When she contacted them again for a refund, they notified us that there was no way to contact XXXX XXXX XXXX XXXX. Which is actually the same parent company unified global services LLC. On XX/XX/year> XXXX from unified global services contacted my wife and threatened her was very vulgar with her told her she did not have to provide any recordings to her and that she provided these previously to the CFPB and us, and that our case was closed in their office and that we would not be getting a refund of any of our money. When my wife told her they were practicing illegal business, she said she screamed at her and told her no they were not and people like us need to pay their bills. They had no idea what type of situation was going on with us. She had no right to say that. Their Practices are unethical and illegal according to our state. I did not sign any authorization for them to continue to take out money or take out any money out of my account and they refused to give back the money. I am now requesting a full refund of the {$600.00} that they took out this would be three charges of {$200.00} apiece plus additional compensation for the stress and defamation that they have caused to my wife