davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FactorTrust, Inc. (TX)

I have sent numerous letters to the XXXX XXXX XXXX, Factor Trust, but they have refused my letters and sent them back to me without opening the letters and investigating my requests. 
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of XXXX XXXX XXXX. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to XXXX years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to XXXX XXXX XXXX ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 

Incorrect Accounts need to be deleted XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX Account ) XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

I have been contacted several times from various numbers, some XXXX, XXXX, XXXX, XXXX, and XXXX ( local ) numbers about XXXX times roughly every other day from XXXX XXXX ( IXXXX XXXX XXXX  XXXX for the past XXXX months. They normally open with consumer services, a couple of times it was a completely different company and that they are attempting to collect a debt from ChecknGo. I have spoke with ChecknGo and they state I have no open debt or any debt that has been charged off. I have managed to speak with the debt collectors XXXX separate times asking for validation of debt. The first guy hung up as soon as I asked, the second said he was marking that I refused to cooperate and hung up, the third said it was already sent and they could not do it again then hung up, they fourth actually sent me a letter stating how much was owed and what company it was owed too by text msg but that was all the information regarding the debt then ended they call amicably. It did how ever give me the company name that they were calling from.
Consumer complaint received 2024-01-26
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. (MA)

I am writing to formally dispute and request an investigation into the inaccurate information present on my credit report. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies, yet as of the present date, I have not received any response. I am seeking your prompt attention to this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are details of the inaccuracies and the corrections I am requesting : XXXX  Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1900.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00}, Original Creditor XXXX XXXX ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) : The reported balance is incorrect, and I dispute the Past Due information for a closed, charged-off account. Please revise and mark this account as disputed. 


Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$1000.00} ) : The reported balance is inaccurate, and I dispute the presentation of Past Due information for a closed, charged-off account. Please mark this account as disputed, and verify Date Opened, Date of Status, and First Reported. 


XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1400.00} ) : This account is not mine, and I request its immediate removal from my credit report. 


XXXX XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00} ) : This account was never late, and I request correction of this inaccurate information on my credit report. 


XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request correction of this inaccurate information on my credit report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 2023-09-25
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: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

It is Experians duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting seven inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and three 60 day late payments dated XX/XX/2018, XX/XX/2018 and XX/XX/2018 and two 90 day late payments dated XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Experian violating my federally protected consumer rights. To add to this I did NOT give Experian written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Experian has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Unified Global Solutions LLC (MO)

I was notified via text message from Unified Global Solutions that they were going to Sue me if I dont make payment to them for my XXXX XXXX XXXX installment loan. On XX/XX/XXXX I set up arrangements. On XX/XX/XXXX my wife called to set it from biweekly to monthly at XXXX XXXX  and spoke with XXXX who said it was changed to Monthly. They took out money again on XX/XX/XXXX. When she contacted them on XX/XX/XXXX they said there was no documentation of her calling and that XXXX didnt speak with her. She has all this documented. I then called them back and they said they again changed it to monthly with no confirmed documents.I tried to research the company to obtain a website with no information. They said a refund would take 90 days as they dont know how it works. I have disputed the charges with my bank but feel that I have definitely been taken advantage of and scammed as well as the company violating my rights with the threats and falsification of an employee. When you call them they dont even use a business name.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I mobile deposited a check on XX/XX/XXXX, the Chase app said I would have the money the next business day. XX/XX/XXXX came and the mo ey still wasn't released so I called chase Bank and they told me the money would be released at midnight of the XXXX. Now it's the XXXX and the app says I won't have access to my money until XX/XX/XXXX even though the representative said I would have access to the money today.
Consumer complaint received 2024-01-26
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. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (GA)

Cashapp closed my account due to violating their terms and conditions. I asked for reconsideration and explanation. Cashapp sends me electronic responses that says it's closed permanently and it is final because I violated terms and conditions and there is no other action that I can take. 

So I called there customer service XXXX number and the agent told me that it sounds like a computer error and he will resubmitt my reconsideration because I am entitled to know what terms and conditions I violated or I need to know if my account was hacked due to fraud. He told me to wait on a email response. 

So today for the third time I received the exact same computer generated response that I received the first, second time. 

I have a right to know if someone hack my account and caused a violation of terms and conditions or what terms and conditions was violated under my account name, my linked bank account.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (FL)

I reviewed my consumer reports and noticed that I had two late payments o. An account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to Report consumer information to the best of their ability with maximum accuracy I have never bee late on payments for the account please investigate and provide report credit showing that thank
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Dear CFPB, I am writing to express my extreme frustration with Citibanks XXXXandling of my recent credit card application. 

On XX/XX/2024, Citibank pulled my credit report from XXXX. I was subsequently denied a credit card based on the information contained within that report. I understand and accept the decision to deny my application. 

However, I was promised a copy of the denial letter within XXXX days. The letter I received today states that my credit report was pulled from XXXX, not XXXX. This discrepancy is unacceptable. 

I am legally entitled to a letter explicitly stating that the hard inquiry pulled by Citibank on XXXX on XX/XX/2024 was a contributing factor to the credit denial. Despite being on hold with Citibank for over an hour, I have been unable to obtain this crucial information. 

I am appalled by the level of customer service I have received. It is evident why Citibank has an Alert status on the XXXX  website with a XXXX rating out of XXXX. 

I expect a prompt and satisfactory resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WI)

XXXX XXXX XXXX turned over a delinquent bill to XXXX XXXX XXXX. It was incurred by someone named XXXX XXXX from XXXX XXXX I am XXXX XXXX from XXXX and it was not my bill. ). XXXX didn't believe me that I was not the person that incurred this bill. They threatened me with court action and said they would report it on my Credit Report, which they did. 

During our phone conversation, they indicated that they had my social security number and address and phone number. They lied and said XXXX XXXX XXXX gave that information to them. I was never a XXXX XXXX XXXX customer, so there was no way they would have had that information. XXXX obtained my personal information, illegally and without my permission and used to to erroneously effect my XXXX XXXX on my credit report. Since I discovered their illegal fishing expedition, trying to force me to make a full payment, they will not return my phone calls or answer my texts or reply to my email correspondence. FYI : XXXX XXXX XXXX fully acknowledges it was not my bill and have been fully cooperative and said they would handle the matter with XXXX, to get this off my credit report.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - TransUnion, XXXX, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and XXXX is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 2016-07-31
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (FL)

Within the last two years I have used Western Union to wired thousands to my sons living out of state and instantly paid the corresponding fees. On XXXX XXXX, 2016 I wired money plus processing fees through the WU online system. This money was not need by the receiver so I requested a refund on XXXX XXXX but each day WU 's customer service representatives and supervisors refuse to provide that refund. They 've even gone as claiming that XXXX Bank refused to process their refund. This statement is absolutely dishonest as verified by my bank, which confirmed no attempt to refund this money was ever made. Later, I was told a new MTCN number would be provided to me and I can pick-up the refund at a WU location. Each day I am told a new MTCN tracking number would be given and each day I receive the same talking-points stating the tracking number will be available tomorrow. 

Due to change in my financial status, I am now on XXXX and withholding these funds has added to existing financial hardship for me. The public trust Western Union and it 's a sad commentary to know a global organization has such little regard for its customers and business ethics.
Consumer complaint received 2023-07-29
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. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (UT)

XX/XX/year> - locked out of my Citi Bank account XX/XX/year> - XXXX contact Citi Bank by phone XXXX and they tell me that they have to send me a letter with a confirmation code to confirm who I am. I wait XXXX weeks and the letter never arrives at my residence. 

Over the next 5 months I call Citi bank over XXXX times and receive the same response every time, without a letter they can not help me. 

XX/XX/year> - I call Citi Bank again and after reviewing my account, the lady helping me informs me that Citi Bank is closing my account due to suspected fraud. I have approximately {$1500.00} in the account last I was able to log in. She tells me that Citi Bank will send me a letter that has a check with the amount left in my account. I tell her that Citi Bank has been unable to successfully send me a letter for 5 months despite multiple tries, how can I be sure that I receive this check with my money? She says that she is unable to help me further and hangs up. I am worried that I will not receive this money, and I am still unable to get into my Citi Bank account that has my credit card attached to it.
Consumer complaint received 2023-04-17
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. (FL)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting late payments for an account that I was never late on. The most recent late payment that they are reporting is in XX/XX/2023 for the account XXXX XXXXXXXX. No other credit bureau is reporting this erroneous error. I am requesting that the late payment is removed from my credit report due to incorrect reporting.