davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (CA)

I do not owe cavalry portfolio any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.
Consumer complaint received 2024-04-08
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. (TX)

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX XXXX {$580.00} Experian : XXXX XXXX {$620.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$580.00} XXXX : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$620.00} XXXXXXXX XXXX  XXXX {$2400.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX {$1400.00}
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (PA)

There is this company cbe group also known as charter communications they are reporting a collection to all three credit bureaus that is very much inaccurate I have been a victim of identity theft and I need this debt collection to be removed.
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (KS)

I am writing to file a formal complaint against ChexSystems XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

Specifically, I have encountered the following issues : Denial of Access to My Consumer Report : I have made multiple attempts to obtain a copy of my consumer report from ChexSystems. However, all of my attempts have been unsuccessful. I have tried accessing my report online and by contacting ChexSystems directly, but I have not obtained it. This directly violates my right to access my report under Section XXXX of the FCRA. 

Suspected Inaccurate Information : While I have not been able to view my ChexSystems report, I have reason to believe that it contains inaccurate information. I have been a victim of multiple data breaches, including the XXXX data breach and a data leak from the XXXX XXXX XXXX. I have received notifications from both entities confirming that my personal information was compromised. This leads me to believe that inaccurate information may have been added to my ChexSystems report as a result of these breaches. 

Privacy Concerns : I am deeply concerned about the potential misuse of my personal information due to these data breaches. I believe ChexSystems has a responsibility to ensure the accuracy and security of my data, especially in light of the widespread data breaches that have occurred. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate my complaint and take appropriate action to ensure ChexSystems : Provides me with immediate access to my consumer report. 
Investigates the accuracy of all information on my report, particularly in light of the data breaches I have experienced. 
Removes any inaccurate or unverifiable information from my report. 
Implements measures to protect my personal information in compliance with XXXX. 
Compensates me for any damages I have suffered as a result of their violations of the FCRA and XXXX. 
I have attached any relevant documentation regarding the data breaches I have experienced. 


Thank you for your time and attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-06-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M.A.R.S., Inc. (OK)

I applied for an apartment, and was denied due to a debt I was unaware of. So on XX/XX/year> I contacted the XXXX of XXXX directly and they had NO record of the debt. Then I contacted MARS the collection company that is trying to collect said debt in the amount of {$1600.00} on XX/XX/year>. 

I requested that they send me the original contract with my signature on it and the payment history to the address they had on file for me. They then stated they were not allowed to send that information but they would see what they can do. They sent me the attachment below by email.
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I recently opened an account with Capital One and noticed that a late payment ( 30 day ) was placed on my credit report. I called Capital One and they found it and could only give me information that the card ended in XXXX. That account does not belong to me. I was asked for my social and date of birth and it did not match my information as well. I need this item removed from my credit report ASAP as it does not belong to me.
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK (AZ)

I bought a house in XX/XX/XXXX with T.C.F. BANK IN ILLINOIS AND I PAID ON IT FOR 14 YEARS AND THEN I HAD A PROBLEM AND BY THE TIME IS WAS INFORMED I HAD TO HELP THE BANK SELL MY HOUSE AND THEY PROMISED TO HELP ME BUT THEY DID NOT AND I LOST MY MONEY MY HOUSE AND MY GGOD CREIDT SCORE, IM TRYING TO GET ALL MY DOCUMENTS FROM THE FIRST DAY OF THE LOAN I FEEL THAT THE BANK ( T.C.F. ) COMMITTED FRAUD AND NOW THEY WONT RELEASE MY FILES TO ME PLEASE HELP ME MY NAME IS XXXX XXXX  XXXX CELL # XXXX EMAIL XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  AZ XXXX ALSO T.C.F. ADMITTED FRAUD TO MY CREDIT COMPANY IN XX/XX/XXXX
Consumer complaint received 2024-07-09
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: CITIBANK, N.A. (MD)

On XX/XX/year> I purchased a computer from Best Buy and was told I would receive a 5 % discount if I opened a Citibank/Best Buy card and that I did not have to utilize the card that day. I picked up the computer on XX/XX/XXXX. and was given a bill for {$300.00} and I questioned the amount ( correct charge is {$710.00} ). I used XXXX Bank XXXX XXXX card to pay the {$310.00} ( taxes ). That is when the problems started ... .as Best Buy charged ( not me ) the {$710.00} to the credit card. I filed a complaint with the Consumer Protection State of Maryland. Best Buy has admitted that I have paid the account the {$710.00} XXXX XXXX XXXX XXXXXXXX Credit Card and Checking account ) and that they are not due any additional funds. Citibank/Best Buy refuses to remove the {$300.00} charge and now the account, with past due charges and interest is {$400.00}. I have repeatedly called Citibank ( over XXXX times ) and they will not remove the charges. I never authorized the charge and do not owe any further amounts. In addition, my credit score has taken a major impact from XXXX to XXXX!!! Also, due to date I have not received a credit card from Best Buy and/or Citibank and do not wish to have a card!
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

We've send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report.
Consumer complaint received 2024-01-16
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)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (FL)

account is in collection when it shouldnt be .i do not owe anything and have resents from the original company showing that i dont owe anything .i asked collection company to send proof of what i owe and they could not provide .i reached out to the original creditors and they told me they would send over the correct information and have it removed from my credit
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX 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 2024-01-16
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)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had four late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included XXXX inside this complaint in on dates of ( XXXX XXXX XXXX XXXX XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Transunion and the other one have incorrect personal information and refuse to fix the issues. 
I did not ask them to collect this information, they should at least get my information correct so I can ensure there is no fraud using my information. 
They continue to refuse to assist and demand I send my entire life history through the XXXX and waiting weeks for a resolution. 
I did not send my personal information to begin with!
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-06-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

Basically I was gifted an American Express Gift Card it's value is {$80.00}, I can not purchase anything with the card with any of the sites I've attempted. Honestly false advertising to say that it works with most sites, because it is a blatant lie.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I asked for these addresses to be removed and or deleted from my consumer report because they are non mailable addresses XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Consumer complaint received 2023-10-05
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: MOHELA (CT)

The issue i am having is my loan was for XXXX for my daughters loan and now after Mr Biden started my payments back up the loan is now XXXX becuase of me going throw a divorce and navient said I could do forbearance and not get I trouble i have been paying minimum payment for q3 years now well here I am in trouble please help me XXXX
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (VA)

I recieved an Email from Paypal, XXXX  morning XX/XX/2024. It was a receipt for a purchase on my XXXX card { XXXX XXXX } that i had linked to my Paypal account for online purchases. I was surprised to see a charge for {$1200.00} from XXXX XXXX XXXX. I called Paypal XXXX morning XX/XX/2024, and reported the unauthorized charge. Today XX/XX/2024 paypal sent email to me, saying : Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal XXXX XXXX. But paypal did provide me with a XXXX tracking number they recieved from XXXX XXXX XXXX, who handles orders for XXXX XXXX. XXXX 's tracking infomation states package was delivered to XXXX, XXXX  XXXX, and was signed for by XXXX XXXX. { who apparently stole my paypal credentials some how } and made an online purchase at XXXX XXXX online. I have documentation for Paypal tranaction receipt and XXXX proof-of-delivery for tracking number. 
My Paypal account Profile associated with this order will verify my name and address, i did not receive this order and did not sign for it.
Consumer complaint received 2023-12-20
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. (NY)

Unauthorized Hard Inquires on my reports : on XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on Transunion : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX ), has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) ensuring maximum possible accuracy.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION (VA)

There is no way to set up automatic payments for my personal credit card on the XXXX website. I missed a payment one time and I called them and asked them to set up for me. They confirmed it was set up and then I missed another payment because they did not turn automatic payments on. There needs to be an option to set up automatic payments on their website and I would like for them to remove my missed payment from my credit report.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

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 2023-06-08
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular, XXXX XXXX Puerto Rico, mortgage acct # XXXX, provided an incorrect " annual escrow account disclosure. '' Illegally added and made payments for excess insurance, when proof was provided that personal insurance was previously made and We never requested that insurance be escrow. This error was brought to the attention of Mortgage servicing and they have yet to refund erroneous payments or provide a corrected " Annual Escrow Account Disclosure. '' The answer provided by XXXX XXXX was that I had to wait until XX/XX/22 for an answer.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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.