davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

This evening I tried to dispute an account on my report that hasn't been reported for 5 years and all of a sudden. Now it's being reported as collections but it is been on my report for 6 years. Yet it was sold several years ago to some other company that I have no idea who it is. This account is not correct. It has been paid off for several years. It is not being reported correctly but yet when I try dispute it again I'm being denied because they're saying it's frivolous. It is not frivolous. I have a right to dispute as many accounts and as many times as I deemed necessary according to the fraud resolution expert that I talked to the other day. These accounts that are on my report are not mine and I'm getting tired of being told no that they don't have to do anything about them. It's my information it's not correct and I'm using their templates their reasons as to why I'm disputing and then also they're telling me it's not clear enough Experian what the heck is your problem? I really feel like I need to get an attorney to get this settled
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (LA)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (LA)

I received a letter from the IRS stating that my stimulus payment was made to a XXXX account that did not belong to me. I called XXXX and was told that was a Moneylion account and the money was deposited there. I reached out to ML on several occasions only to be blown off that is not their account number. After doing a review on XXXX XXXX ML finally reached out to me to tell me yea money was deposited there to an account that did not have my name of it. But its not their problem reach out to the IRS. I dont see how they both are not responsible? How can they accept a deposit that is made out to me and allow it to go into someones account? They said oh well the money was taken the account closed. Had they not accepted a deposit for someone other than the person it was intended for and returned it maybe I would have gotten my money. This is a nightmare that I have been trying to solve for years now. Only to be blown off and not even told the name of the account it went into. I have never given the IRS any ML or XXXX numbers.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-07-12
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. (NY)

My name is XXXX XXXX, there is a debt collector on my Transunion report called XXXX XXXX XXXX XXXX XXXX XXXX of the amount of {$110.00}. I sent a debt validation and the company failed to validate the following : 4. what was the original date of delinquency for this account? 5. agreement that grants you authority to collect on this alleged debt or proof of acquisition by assignment. 6. what did you pay for this account and how did you calculate the current amount owed? 7. Failed to send proof of registration to collect on the debt. 8. send me proof of certified receipt of my signature that I was notified five days prior to reporting to the credit bureaus. Did you send the credit bureaus that this account is being disputed? see following attached below. Delete Inaccuracy per FCRA.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had an square account, which was deactivated with a higha balance on it. The email associated with the account is : XXXX Square placed a 90 days hold onnthe funds and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to the account to transfer the funds to my bank, but I noticed the entire funds on the account has already been withdrawn and there is no money available on the account. The total balance on the account was approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how Square allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc. (LA)

I received a call from FH Cann and associates and the caller said that she was trying to verify some information for XXXX XXXX. I asked which XXXX XXXX was she trying to verify information because there are XXXX. I asked for some identifying information that she have on the XXXX that she was looking for so that I would now if it was me or my cousin. I asked was it XXXX XXXX XXXX or XXXX XXXX XXXX and all she said was XXXX XXXX. I told her that there are XXXX. So before I gave her any information, she needed to verify if I was the XXXX XXXX that she was looking for. She said that she couldn't do that and I must be the one that she's looking for and she hung up. I want this company to stop contacting me unless they know for sure that I'm the XXXX XXXX that they are looking for.
Consumer complaint received 2024-07-15
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-12
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. (TX)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that credit bureau will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate. XXXX XXXX XXXX member id XXXX Loan # XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC (GA)

You are violating my rights! I have listed the concerns about your reporting in the attached documents. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2024-07-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of an item from my credit report due to the charge-off status. The details of the account in question are as follows : - Account Number : Unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXX - Amount : {$15000.00} According to my records and under relevant federal and state laws, a charged-off debt is no longer my responsibility, and as such, it should be removed from my credit report. Specifically, the Fair Credit Reporting Act ( FCRA ) and other applicable laws dictate that inaccurate, incomplete, or unverifiable information must be corrected or deleted from my credit file. 

I have verified that the debt has been charged off by the original creditor, and therefore, it is no longer a collectible debt by your agency. Furthermore, the presence of this charged-off item on my credit report is causing undue harm to my credit score and financial standing.
Consumer complaint received 2024-08-10
Product: Credit 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: CLGF Holdco 1, LLC (GA)

XXXX went through standard protocol of verifying everythimg even though nothing has changed. I simply stated that nothing has changed and that the letter should be sent to the address that they have on file. It has been XXXX week since the request.
Consumer complaint received 2024-07-12
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. (CA)

I received notification via email from several credit monitoring services I use such as MyFico indicating that a new account inquiry had been applied to my credit report around XX/XX/year>. I immediately froze all of my credit reporting through transunion, XXXX and XXXX I called the company XXXX and they were unable to help me or provide me with any information. The representative was only able to provide me with the credit bureaus that they use to open new accounts. I called XXXX to get the inquiry removed and a fraud alert was placed on my account, I called transunion and was told that i would need to file a claim on report fraud.ftc.gov.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 ) 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 2024-07-12
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (OH)

XXXX  sent to XXXX XXXX from XXXX XXXX XXXX to my residential address. I have never heard of either company. 
Biehl & Biehl Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, a debt collection company, is now sending mail to my address trying to collect this supposed debt. 
Biehl & Biehl has many complaints against it on the XXXX  website for this exact same thing. Often in XXXX  with XXXX XXXX XXXX. 
XXXX from Biehl & Biehl received on XX/XX/year>. Trying to collect {$50.00}. 
Returned letter to Biehl & Biehl marked 'no such business at this address. '
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (FL)

NCA Acct # XXXX This company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I have a CLOSED visa credit account at TD Bank NA which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my TD Bank NA visa account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all XXXX XXXX protocols including the reporting on paper credit reports of all data reported in the XXXX XXXX submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire XXXX XXXX system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am writing to file a complaint regarding unfair charges and misleading terms associated with my Capital One SavorOne credit card. I applied for this card at the end of XXXX, motivated by multiple promotional emails from Capital One which highlighted benefits such as 15 months of 0 % APR and a {$200.00} reward. These features matched my needs, and the pre-approval process confirmed my eligibility with a {$3000.00} credit limit. 

However, 45 days after activating the card, I was unexpectedly charged {$30.00} in interest. Upon inquiring with Capital One 's customer service, I was informed that the terms and conditions of the offer had changed and that my situation did not qualify for the 0 % APR and {$200.00} reward. This information was reportedly mentioned in the joining letter via email, which I did not find clearly communicated. 

Despite my efforts to seek clarification and request the possibility to switch to another card, I have been unable to resolve this issue. This situation has left me feeling misled and unfairly treated, as I am now incurring interest charges and have not received the promised rewards. 

I am requesting the CFPB 's assistance in investigating this matter and advocating for a fair resolution. Specifically, I believe it is only fair to honor the promotional terms that influenced my decision to apply for this card. Additionally, I would appreciate any assistance in rectifying the current interest charges and ensuring that I receive the {$200.00} reward as initially promised. 

Thank you for your attention to this matter. I look forward to your assistance in achieving a prompt and satisfactory resolution.