davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA (VA)

TENGALIA & HUNT used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution.

They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account.

The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. 

If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from TENGALIA & HUNT stating otherwise.

I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ XXXX  ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MD)

Venmo froze my account claiming suspicious activity. 

I transferred money from my debit/bank account ( the one they have on file already ) and after the transfers were made, froze the account. 

They are saying at least 3-5 days to review it. 
I took money from my personal account and put it on my Venmo card so I can pay someone. I went from having money available via bank card to frozen in my Venmo account
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2023-12-28
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. (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  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-28
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX has violated my rights. Or 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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 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. XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Consumer complaint received 2023-12-28
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2, it also states that a consumer reporting agency can not furnish an account without my instructions.
Consumer complaint received 2023-12-28
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. (FL)

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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  : {$0.00}.
Consumer complaint received 2023-12-28
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, my Bank of America account was hacked, resulting in an unauthorized transaction of {$500.00}. I promptly reported the incident to the bank and provided all necessary documentation, including a police report and a phone report from XXXX. Despite this, my claim was denied multiple times. After contacting the Consumer Financial Protection Bureau on XX/XX/XXXX, Bank of America reimbursed the {$500.00}. 

However, I am still waiting for reimbursement of {$450.00} from two unauthorized XXXX transactions. The first transaction, XXXX payment to XXXX XXXX, has a confirmation number of XXXX. The second transaction, XXXX payment to XXXX XXXX, has a confirmation number of XXXX. I have provided all required documentation and have not received a resolution for these transactions.
Consumer complaint received 2019-11-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (GA)

Ally keeps calling trying to collect a debt from a family member that I am not in contact with. I have told them this information repeatedly and they have stated it my obligation to give the the family members number. I do not have her number nor her address because we do not communicate.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

Aldous and Associates left a message saying that they were a law firm. I returned their call and they claimed that I have a debt with XXXX XXXX. I do not have a debt to XXXX XXXX. The membership was paid in full. I requested the information to pay the debt. They refused to acknowledge my request. Then they told me that they would damage my credit by reporting it to my credit report. I am a veteran trying to buy a home. I ended up paying a debt that I do not believe is mine, I was ignored when I asked for all of the documentation, and they threatened to harm me financially by reporting to my credit.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP (NY)

XXXX XXXX XXXXXXXX and U.S. Bank are attempting to seize my property. 

They have denied me the right to work out a loan, claiming that I am on the mortgage and they can foreclose, but cant speak with me about the debt. XXXX XXXX and his client, XXXX XXXX, also committed perjury in the court of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX client, withdrew a large sum of money from a XXXX XXXX joint account, which was a violation of automatic orders in XXXX, and still refused to pay his note. U.S. bank has attempted repeatedly to foreclose on me and has harassed me since XXXX They are using extortion tactics to force me to pay down someone elses debt. 

Banks frequently write off these types of loans. Why does US Bank continue to harass me? Its not my debt. 

Due to this collusion and fraud between XXXX XXXX XXXXXXXX and US Bank, my children and I are going to be homeless. 

We are begging for help!
Consumer complaint received 2023-12-28
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third  party involved. Please review the uploaded letters.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from XXXX XXXX XXXX I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (GA)

hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the XXXX  data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Consumer complaint received 2023-09-26
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. (NJ)

My name is XXXX 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 2018-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

My apartment, XXXX XXXX, turned my account over to XXXX XXXX despite taking my money for {$120.00} on XX/XX/18. The manager at XXXX XXXX confirmed that there is no balance on my account when I called on XX/XX/18 and was willing to confirm the same thing with XXXX XXXX if they talk to her. I contacted XXXX XXXX the same day ( on XX/XX/18 ), asking them to call XXXX XXXX to verify with the apartment manager but the person I spoke to assured me that I merely need to send a copy of the check I used to pay the {$120.00} to his manager, XXXX XXXX ( initially over the phone he spelled her name as XXXX XXXX and resulted in my email being returned ). I was able to successfully send an email to XXXX XXXX at XXXX XXXX with images of the check that was used to pay the balance that XXXX XXXX is attempting to collect on XX/XX/18. The images clearly show the day the check was deposited by XXXX XXXX and the funds withdrawn from my account. 
I am also attaching the same check images to this complaint. However, on XX/XX/18, I was still being contacted by XXXX XXXX regarding this debt that was non-existent to start out with. Now they are saying that they will need to follow up with XXXX XXXX to verify despite me providing them with evidence of payment more than a week ago and they could have called XXXX XXXX to verify in that time period.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/year>, I opened a Paypal dispute with XXXX for a defective keyboard that I had purchased from them for {$17.00} on XX/XX/year>. XXXX originally refused to provide a free return label for an item that was clearly delineated/marked as having free returns. XXXX did initially send me the return label, so I had closed the Paypal dispute at that time. After sending the item back, and having the return shipment confirmed as been delivered according to the USPS tracking, XXXX continues to refuse to confirm that the return has been received. Over 14 chat representatives have given me contrasting responses as to the current status of my return, saying it needs to be checked by the specific warehouse that received it to they never received it and are still waiting on the return. I tried opening the Paypal dispute again, but Paypal is refusing to citing no real terms as to their arbitrary denial of reopening for the dispute. I have yet to receive a refund for my return for a defective item from XXXX.
Consumer complaint received 2023-12-28
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. (CA)

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 has violated my rights. Or 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.