davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (OH)

I first received notification of this debt in the mail on XX/XX/XXXX ( attached ) followed by multiple repeated phone calls about this. In line with the timeline set in the letter, I sent the attached debt verification letter on XX/XX/XXXX. In the letter I requested information verifying that this debt was mine and proof of where the debt came from and how the amount was settled on. XXXX notified me that the letter was delivered to IQ Data XXXX XXXX XXXX, the address the notification stated to send any disputes to, 3 days later on XX/XX/XXXX. This was before the deadline they set of XX/XX/XXXX. IQ data did not respond to my letter requesting additional information and went ahead and placed the derogatory mark on my credit score, ruining my credit with this unverified collections account.
Consumer complaint received 2024-01-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (TN)

I was given a {$100.00} Vanilla Gift Card from my parents on XX/XX/. I immediately put it in my purse. It stayed in it's original packaging not touched until I went to use it in late XXXX. It got declined, so I went on the Vanilla website and found that the funds had been used in XXXX. I called Vanilla to file a dispute and they have done nothing to fix the problem. There's no progress being made. I looked up what others have said about this happening to them and, while this seems to be an EXTREMELY common occurrence, it was also the consensus that they don't actually refund anything until CFPB is involved.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JDJ Investments, INC. (LA)

I recently reviewed my credit report where I discovered that XXXX XXXX services ( Cbs Collections ) ( account opened XXXX XXXX  notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Go Capital Holdings, LLC (TX)

I have a car loan through Go Financial Services in which I had been making payments on the car loan as well as staying in communication regarding any late payments. In XX/XX/2017 I made a payment of {$500.00}, {$210.00} above my normal car payment in an effort to help get caught up from a past due payment. Due to some financial difficulty, I unfortunately missed my XXXX and XXXX Payment. I called into the office on XX/XX/XXXX and was told my account had been charged off. I did not receive any correspondence or communication of any kind prior to that stating that my account was in the process of being charged off nor did I receive a charge off date. The representative in management I spoke with was a female and I explained to her that I was calling into make a payment on the car loan and that is when she stated the account was charged off and it would be {$1000.00} to pull the car out of the charge off phase and keep the car from being repossessed. This was quit disturbing being that I had no idea that the account was in this status. I told her I did n't have XXXX but had XXXX that I could pay today and asked if there was any way they could work with me to get the remaining balance paid off. She stated you can make the payment but it would n't take it out of charge off status or keep it from being repossessed. There has been no repossess notice sent out nor could she confirm one. She suggested that I see what I could come up with in addition to the {$300.00} and give them a call back today. My wife and I called and spoke to XXXX ext. XXXX today another manager in the same department who confirmed the call from yesterday and stated I would have to pay XXXX to bring the account out of the charge off department and stop the repossession request. He also stated that they would then place the account back into a repayment plan but there would be no grace period on the repayment, and should I miss XXXX payment they would reinstate the repossession on the car. I asked was there any way if I where able to pay {$500.00} on the fee today could they work with me to take care of the rest. He said no. This was disheartening being that I never received any correspondence relating a charge off pending on the loan and called in 3 days after the car was charged off. According to XXXX the car loan was charged off on Friday, XX/XX/XXXX. I shared my concern with XXXX and asked if there was a supervisor that I could speak with that might be able to help me further and he said no, and that he and the young lady I spoke with yesterday where the only XXXX individuals managing the department, there was no one else. How disappointing that they have no grace to work with individuals who are trying to present options to take care of the fee they where requesting, he stated I understand but we have policy 's that we have to go by. I asked for his information and stated that I would have to contact him back.
Consumer complaint received 2024-04-06
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. (LA)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OR)

I have a XXXX XXXX XXXX credit card provided by Chase Bank. I'm paying regularly via a bank account. In XXXX of XXXX the bank I'm using to pay this card changed my information and gave me a new account number and new routing number. 

I am able to pay other debts with this new information ( e.g. XXXX XXXX card ) but for some reason Chase Bank will not permit me to create an ACH transaction using my new information. Chase Bank representatives tell me that the account I am trying to use has been " blocked '' in their system. They tell me that a transaction attempting to use this account information was " rejected '' by my bank in XXXX of XXXX ( three years before I had this account ). They tell me that they have the account on records as a Savings account ( it's actually a checking account ) and that this account can not be used for ACH transactions. 

Chase is telling me that I must receive a form from them, submit the form to my bank, and have my bank request that Chase remove the " block '' on the account. The bank in question is part of the XXXX money transfer system and I have suspicions that Chase is just trying to make it harder for those of us with XXXX accounts as the XXXX service arbitrages traditional international money transfer. 

For my bank 's part, I've contacted XXXX and they've never heard of such a form, they've confirmed that this account has only been in force since XXXX of XXXX, and they have no record of a transaction being declined to Chase.
Consumer complaint received 2023-05-10
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. (MO)

ALL ACCOUNTS PERMANENTLY LISTED BELOW : 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - 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
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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 XXXX 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
Consumer complaint received 2024-01-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (SD)

write a cfpb complaint about discover bank- on XXXX I went online and opened 2 new XXXX 's, 12 month@ 5.2 % and 9 month@ 5.4 % - finished application and got a message to call discover - called and verified my information and was told everything was okay. On XX/XX/ noticed that the new CD 's were not in my discover account - called and was told " an error happened '' and that I needed to reapply for the CD 's - no email, no call, no notification what so ever that an error happened. A bank doesn't get to " have an error '' when processing $ XXXX of my money and keep me as a customer. This is completely unacceptable.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NC)

I have XXXX issues after viewing my credit report. Transworld Systems cillection agency is reporting a collection that was paid to the original creditor XXXX tthey frauduletly missreoresenting my credit profile and damging my credit score that is truly disturbing me mentally. This account needs to be removed. 


The second matter is I have unauthorized inquiries that ar eon my report that myself or did I give authorization for my report to be revied by the companies below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXXXXXX XXXX is reporting me as late on XXXX of my credit cards ( more than 30 days ). I have never been late. I submitted the information to all XXXX Credit Bureaus, called customer service at XXXX XXXX and confirmed I was never late 30 days. They had a department I could not speak to and could only send registered letter and information. 

I provided statements to the credit bureaus and copies of my bank statements and sent the same to the department at XXXX XXXX. 

They are still reporting me as late.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (LA)

I recently reviewed my credit report where I discovered that ( ALLY FINANCIAL ) reported what was notated as a ( LATE PAYMENT ) for an Installment Auto Loan account date opened ( XXXX ) on my credit report. In pursuant to title 15 U.S.C. 1666b No creditor should treat a payment under an open-end consumer credit plan as a late payment. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) ) any information placed on my Consumer report should be based in accordance to my written instructions.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

Disputing total charges of XXXX  and XXXX  = XXXX  on XX/XX/ from XXXX their pretending to be XXXX - giving steep discounts tricking unsuspecting shoppers into giving them information for purchases never received, I didn't authorize those amounts of charges, the charge is an error because XXXX is tricking USA shoppers of their information its a fraudulent website. Its all fake. Please help correct the error on my account.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capio Partners, LLC (LA)

I recently reviewed my credit report where I discovered that XXXX XXXX XXXX XXXX ( Capio Partners LLC ) ( account opened XXXX ) notated an account ( Medical Bill {$1500.00} ) as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Consumer complaint received 2023-04-14
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. (NC)

This is XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX Account number : XXXX Multiple inaccuracies between all the 3 credit reports On record until date inaccurate between all reports. 
Equifax inaccurate data for XXXX, XX/XX/2019. 
Inaccurate date of last payment, all 3 reports. 
XXXX  dispute and reinvestigated with no updates to reports Disputed with XXXX and Equifax with no updates to reports. Clear violations to accurate reporting practices by all 3 credit bureaus.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

SONY card was offered with following offer : Earn a {$100.00} statement credit when you open an account and use the Sony Card within 60 days. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

Terms were met, {$50.00} bonus never credited. I called a phone rep said, yes, you met the terms, I will credit the {$50.00} to your account, This was never done.
Consumer complaint received 2023-04-14
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-13
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. (IN)

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
XXXX
Consumer complaint received 2022-11-25
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

I have received several text messages from US Bank indicating that I have opened new accounts. I have not. I have a US Bank XXXX checking I opened over a decade ago. And one credit card I opened more than 5 years ago. I have opened no new accounts since then. I contacted US Bank fraud on XXXX at XXXX. I spoke to a woman named XXXX, who verified that she saw no new accounts with my social security number. She advised me to talk to XXXX, their verification team. They were closed so I had to call them today. I called XXXX XXXX spoke with someone named XXXX who could not help me in any way. He said since I did not open the application there's nothing for him to verify. I asked to speak with his manager. He put me on hold for 20 minutes before disconnecting the call. I then called US Bank fraud team, XXXX. The first person I spoke to was named XXXX. She asked me for my debit card information. She confirmed she only saw the credit card in checking account. XXXX said she saw no notes from XXXX. XXXX said she would start an investigation into if XXXX really exists. She got in touch with another fraud team and conferenced the call in. That rep had the worst attitude. No empathy, compassion, or understanding. Did not help us get anywhere. Eventually the reps were talking, both went silent. No hold music. Nothing and the call disconnected. I'm livid. I've spent 4 hours on the phone dealing with this fraud issue.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.