davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I first disputed the bankruptcy being inaccurately reported on my credit report with Equifax on XX/XX/XXXX. The response that they sent me was that I was not specific when I disputed the information and that it was verified through a third party who is XXXX XXXX. I then disputed it again on XX/XX/XXXX and was completed on XX/XX/XXXX and I provided proof that the bankruptcy has been removed from my XXXX XXXXXXXX report and I was more specific on this dispute than the one I submitted on XX/XX/XXXX. When I seen that the dispute was completed I contacted Equifax. The 1st agent I spoke with told me that the bankruptcy was verified again and I asked what is the verification process and he explained to me that the court where I filed provided them with the information. I stated to the agent that they didn't because I have a letter from the court stating that they do not report to credit bureaus, but the agent insisted that the court reported it to Equifax. I spoke to another agent and he explained the same thing that it comes from the court and they report it to them. I then spoke to someone in consumer affairs and the lady explained that their information in regards to bankruptcies come from XXXX XXXX and if it is removed from their then it would be removed from my credit file.
Consumer complaint received 2023-05-02
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. (VA)

To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
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 2023-10-11
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$6800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (GA)

I BOUGHT A NEW VEHICLE ON XXXX XXXX AT XXXX XXXX, AT XXXX XXXX XXXX XXXX, THEY GAVE XXXX AN ORIGINAL PRICE OF {$51000.00} ( WHICH INCLUDED ALL ACCESSORIES, SERVICES, AND TAXES ) AND I GAVE {$10000.00} AS A DOWN PAYMENT, ASSUMING THAT THE BALANCE WOULD BE {$41000.00} BUT THEY APPLIED MANY CHARGES THAT I DON'T UNDERSTAND, BECAUSE IN THE END OF SALE PRICE INCREASED TO {$63000.00} AND MONTHLY PAYMENTS OF {$740.00}
Consumer complaint received 2024-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

This collection agency is collecting on a credit card debt that is not mine and was opened resulting from Identity Theft. I have disputed this debt with them and the creditor they are collection on behalf and they are still trying to collect on it, call me, and send me letters to collect the debt. I have sent them a police report and an Identity Theft Report, but they failed to cease and desist on collecting on this debt. I am demanding that this collection agency to STOP ALL COMMUNICATION and to CEASE AND DESIST on all communication of collection on this fraudulent debt, per HJR 192 of 1933. My next steps is file a lawsuit and seek damages for aggravated Identity Theft and making me have pain and suffering on a debt that is not mine. Please comply Immediately.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (IL)

I filed disputes with all XXXX credit bureaus on XX/XX/XXXX & XX/XX/XXXX XXXX. It has been over the 30 day response time still with no answer. Pls have them delete all unfavorable/derogatory remarks & credit information from my file due to no validation, no agreement with collection agencies, wrong information, & suspicious fraud/criminal activity that compromises my identity which is theft of my personal information has been leaked on the dark web. ( ( Pls. Note all agencies on pics provided have been disputed to all XXXX agencies with no response well after the 30 day time frame. ) ) Thank you.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$27000.00}XXXX XXXX XXXX XXXX Balance : {$400.00}
Consumer complaint received 2024-05-05
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (IL)

I had a new car leased through Ally Financial. I got into an accident and they were contacted by my insurance company 2 weeks after my accident and were informed that it was being totaled and that they needed to send some paperwork to finish up the process for the payout. They did not do so. Instead they just continued to say that my payment was past due. My accident happened on XX/XX/XXXX and they were contacted on XX/XX/XXXX. They are now saying that my account was open until XXXX of XXXX and that I have missed payments from XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They also closed my account as soon as they got the payout from my insurance company and will not even talk to me when I have tried to contact them. My original loan was for {$23000.00} after paying {$500.00} payments a month for three years they still claimed I owed over {$20000.00}. The insurance company paid them out for over {$14000.00} and they claim I still owe them {$6000.00}. They took the payout and immediately closed my account without any form of contact. No phone calls or letters and no way of me knowing how much my supposed amount was left on the account. Then they updated the information on my report on XX/XX/XXXX of XXXX to show that i had late payments from XXXX of XXXX through XXXX of XXXXThis is false information. The math just does not add up on the supposed amount that they are saying i owe them.This company is a scam. I have tried to contact them several times since and have gotten no response from the company.
Consumer complaint received 2023-11-14
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. (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
Consumer complaint received 2024-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On Wednesday XX/XX/XXXX, I was called by someone saying they were from Wells Fargo. They said there was suspicious activity on my checking account. This led to me being asked to make a wire transfer to help them catch the people involved. All the info they sent me was made to look like it came from Wells Fargo. I was scammed out of {$18000.00} dollars. Wells Fargo tried to put a stop to it the next day but it was too late.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for each claim. 

Please see attached file for additional information :
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XXXX, XXXX XXXX  I sent XXXX XXXX XXXX PayPal and they are a known scammer on XXXX selling collectibles trading cards as a scammer. Instantly blocked me after payment. 


Baited to make a sale with friends and family through PayPal so that PayPal would give no recourse. Essentially enabling scammers. 

Transaction ID XXXX
Consumer complaint received 2024-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I had a procedure with XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. The insurance claim had to be resubmitted a few times to be approved by the insurance, but once it was, I paid my portion in full. I have verified with XXXX XXXXXXXX XXXX multiple times, and again a few days ago, that my account is paid in full. However, as a result of a data breach with XXXX insurance that happened some time ago, a hacker/scammer acquired information about one of the claims that was denied and has been sending me fake bills every few months for the past year or so. Like I said, I have verified multiple times with XXXX XXXX XXXX that these bills are fake and my balance is paid. But now, this scammer has sent the " bill '' to collections through Transworld Systems Inc. I received a letter in the mail in the exact amount I would always get on the fake bill, {$800.00}. And when I called XXXX to get this sorted out, the only information they could give me on their " client '' was the address on file, which is the same XXXX XXXX XXXX XXXX PA address that is on all of the fake bills. This address is not affiliated with the real XXXX XXXX XXXX in any way, and a quick XXXX search or a visit to their website can verify this.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

On XXXX XXXX I received an alert from XXXX XXXX, regarding a decrease in my credit score. I logged into my account and noticed that Equifax Information Services LLC. was reporting an account that had been removed due to fraud/identity theft. XXXX XXXX was reporting. According to the confirmation number from Equifax Information Services LLC, confirmation numbers XXXX confirmed that the account was removed. Equifax INFORMATION Services LLC has violated my consumer rights according to the FCRA

15 1681. Please remove the account from my credit report. Attached is the supporting documentation. credit report, as well as FTC statement.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (PA)

I would like to first inform the CFPB & Credit Control LLC I am the properly authorized consumer, and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me. Please see attached letter
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

I was advised by agent ( XXXX ) on XXXX that if I made XXXX installment payment before XXXX that I would avoid any late credit reporting. I paid XXXX on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX .This is negligent on the part of XXXX .this is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Consumer complaint received 2024-05-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My husband and I bought a one-year {$1.00} XXXX CD from HSBC on XX/XX/XXXX with an APY of 4.25 %. We redeemed the CD upon maturity on XX/XX/XXXX. Instead of paying us {$42000.00} in interest as promised, HSBC paid only {$42000.00}. HSBC claimed, " per regulatory requirements, '' it was permitted to pay us less interest than it promised.
Consumer complaint received 2024-04-08
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-05
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. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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 2023-04-24
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. (MS)

I see credit inquiries from unknown sources I reported this a while back and its been going on years I have been in military XXXX  therefore I had no knowledge of my credit use. XX/XX/
Consumer complaint received 2023-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Some stole my identity n I didnt know until I checked XXXX XXXX
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I tried to pull {$800.00} cash out of an ATM but the transaction was denied and the ATM told me it was unable to dispense cash. I originally did put in a claim stating it was fraud as I had received a notification of a fraud notification from the app but the claim was later denied. I learned later that I should have put it in as a missing ATM withdrawal but I would like it to be easier to actually assert these claims as I am now missing this money and would really appreciate it back.
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

Nationstar Mortgage LLC d/b/a Mr. Cooper 's latest scam is that they have changed their payment system so that it DOES NOT recognize my checking account Routing Number. For many years, I have used the same XXXX checking account with the exact same ROUTING NUMBER to pay my monthly mortgage payment to Nationstar Mortgage LLC d/b/a Mr. Cooper. This month, when I tried to pay my mortgage payment, using the exact same checking account routing number that I always use for the exact same XXXX checking account that I always use I received the following error message : " Incorrect routing number. Please verify. '' I tried to enter my routing number using different web browsers and even tried to use the Mr. Cooper phone app. I continued receiving the same message. 

It is impossible to do an online chat or contact anybody at Mr. Cooper outside of their very limited business hours. 

I only have one checking account that I actively use. Therefore, Mr. Cooper is making it impossible for me to pay my mortgage and there is no way for me to get online help or any other form of help from Mr. Cooper.

Mr. Cooper DID NOT provide me with any prior notice that their online payment service was no longer functional.

There is no excuse for this type of incompetence by a company. Mr. Cooper is wasting my time and engaging in what could be best described as a highly suspect business practice by making it impossible for me to make a mortgage payment using the exact same method with the exact same account that I have used for many years to make my monthly mortgage payment.