davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 

XXXX XXXX - Account XXXX This account is incorrect. 

Please Correct The Pay Status to Paid/Closed Zero Balance There is a Date Closed Date, yet its status is for OPEN accounts, and this is incorrect The remarks indicate, the Credit Line is CLOSED Please validate this account and update its status, accurately.
Consumer complaint received 2023-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy, Burgess & Wolff, Inc. (TX)

I had a XXXX XXXX account that was closed on XX/XX/ when I switched to another provider. This provider was XXXX  Upon cancellation, XXXX sent me a bill for {$5100.00}. 

On XX/XX/XXXX XXXX a bankruptcy was filed in the United States District Court in XXXX Texas. This case number is XXXX. XXXX XXXX was included in the verification of creditor matrix. This is a XXXX XXXX bankruptcy filing. 

XXXX continues to pursue collection on this debt. As of XX/XX/, they turned this debt over to a collection agency. This collection agency is McCarthy, Burgess and Wolff.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC ()

On XX/XX/2023 I authorized XXXX to debit {$600.00} from my XXXX XXXX XXXXXXXX account to convert to XXXX guaranies ( XXXX guaranies ) and deposit in my XXXX XXXX account in XXXX. 
On XX/XX/2023 I recieved confirmation from XXXX that the funds had been sent and would be available on XX/XX/2023. 
It is now XX/XX/2023 and my money still has not been deposited into the XXXX XXXX account. 

To resolve this issue I have repeatedly emailed XXXX. Since the company claimed they are tracking the transfer I requested to see field XXXX on the XXXX document with the XXXX XXXX XXXX XXXX. My request was denied by XXXX I also called XXXX customer service three times inquiring about my transfer. 
I have called XXXX XXXX customer service twice and emailed XXXX XXXX customer service a copy of the XXXX document.
Consumer complaint received 2023-10-02
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. (AL)

Dear cfpb can you please have XXXX & transunion to provide me with written documentation of how they verified XXXX XXXX XXXX on my credit profile Ive already called numerous of times and sent letters if they can not provide me with this information please have them to remove this account from my credit profile.
Consumer complaint received 2023-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX denied my claim XX/XX/XXXX to pay off the rest of my car loan which the vehicle was totaled. They claim that my claim was denied because of commercial use. But In the contract it states the vehicle is permitted for commercial use. And GMC Financial is still reporting late payments to the credit bereau because of this.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have made multiple disputes with " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' regarding information they are reporting on my credit report. They have never responded to me with any proof whatsoever that I ever agreed to open an account with them. 

I recently realized that I could prove I never opened the account by asking for specific details. So I disputed specific information about the account, including the amount claimed to be owed, and the dates of the supposed account opening and account closing. 

" XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' was clearly upset by this, and decided to get revenge for having been called out on breaking the law. They have now sarcastically updated my account, but to make it appear even worse. 

Despite the account having shown as a collection/charge off since at least XXXX, they updated the account to show a last payment date in XXXX. This also makes the account appear as open, which makes my percentage of used credit appear higher than it is, which significantly harmed my credit score. 

They can not prove I made I payment in XXXX, because I didn't make a payment in XXXX. The same way I never opened an account with them at all. 

They are intentionally breaking the law, and childishly increasing the number of times they do so to make a point.
Consumer complaint received 2022-11-24
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 Original Creditor : XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have 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.
Consumer complaint received 2023-04-14
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. (CO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-10-02
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. (NC)

Experian report XXXX  I made a dispute for the XXXX XXXX XXXX. 

Experian instead deleted XXXX account. I just called Experian and a rep told me that they made a mistake! 

The XXXX account was never under dispute. This is irresponsible for Experian to delete XXXX which is a positive and was due to fall in XXXX XXXX
Consumer complaint received 2024-04-04
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. (FL)

I am XXXX 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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-02
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)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

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

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe (AL)

Someone used my name and address to open an account at XXXX XXXX XXXX. They then overdrew the account by {$100.00}. I contacted XXXX and they said they would send me a financial fraud reporting email. Instead they turned it over to a collection agency named ConServe who is now attempting to collect the false debt.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

Cash App Account ( $ XXXX or XXXX ) On XXXX XXXX, XXXX, I received a cash app transaction in the amount of {$750.00} by mistake ( or at least that's what I was told ), from XXXX XXXX ( $ XXXX ), she was supposed to have only sent me {$75.00} to rent stanchions and ropes from me. However, I immediately sent her a refund in the amount of {$670.00} ( see attached screenshot ) which is {$750.00} less the actual payment of {$75.00} for the rental, but she later cancelled the rental so I refunded her {$75.00} back ( see attached screenshot ). In all XXXX XXXX received her full {$750.00} back from me through Cash App transactions. 

On XXXX XXXX, XXXX I received a {$1500.00} from another client for an event. On XXXX XXXX, XXXX I receive an email from cash app ( see attached screenshot ) stating and I quote " XXXX XXXX filed a dispute with their bank for the {$750.00} payment you received on XX/XX/XXXX. This payment will be refunded from your account '' and then yes, the funds were removed from my account. I never had the opportunity to challenge the dispute and show proof that the funds had already been returned to XXXX XXXX via Cash App. 

I reached out to Cash App multiple times and the only thing they told me was if a bank says a transaction is being disputed they send the money back and that I would have to get legal help or reach out to the sender directly. I even spoke with a cash app rep and he says " oh yes I see where the money was refunded '' but then he still says they can not help me they have to refund the funds. I mentioned the sender 's cash app account was closed ( see attached screenshot ), he says if someone files a lot of disputes we will close their account. I said well if that isn't a red flag. I reached out to the sender ( of whom I do NOT know personally ) and she's claiming she haven't received the funds. 

I am a consumer just like she is and just like her funds were " protected '' and she was able to " dispute '' the transaction, I should have been giving the same opportunity. I know that my money is supposed to be protected by FDIC and I do have rights to my money, they should NOT have been able to withdraw funds without confirming said information with me, furthermore they can see that I immediately returned those funds back to sender within a matter of minutes, five minutes to be exact. 

I really hope you all can assist me with getting this matter resolved. Thank you so much for allowing me the opportunity to file this complaint.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

I am reaching out to challenge the presence of this bankruptcy on my credit report. It's troubling because I have a court letter explicitly stating it shouldn't be reported to you. Moreover, the involvement of an unauthorized third party makes this situation even more absurd.
Consumer complaint received 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (VA)

My house was put into XXXX names on the original purchase in XXXXXXXX my name XXXX XXXX XXXX XXXX XXXX, mothers name XXXX XXXX XXXX, and my fathers name XXXX XXXX XXXXXXXX XXXX  with rights of survivorship on the deed of trust. I had to file for a loan modification in XXXX  because of my mother, who passed away XX/XX/XXXX, had become bed ridden and I was unable to work and care for her XXXX hrs a day. PHH Mortgage says I am not on the loan modifications but, for several years when mortgage payment statements were sent, they had both my name and my mothers name. It was very convenient for PHH Mortgage to somehow drop my name off the mortgage statements when they started foreclosure proceedings on my home. This caused me to file bankruptcy multiple times over the years. In between foreclosure proceedings and bankruptcies they would talk to me and discuss the loan however, all communications with me would stop every time they started foreclosure proceedings. I had to file bankruptcy again XX/XX/XXXX to stop a foreclosure once again.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I was trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681c SEC 604 there should not be any damages to my report .This a defamation to my character.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

an capital one account has been opened in my name and has a balance of over 1500 . I have informed the company that it has been an issue with identity theft and capital one has did and investigation and are still holding me at fault which is unfair.
Consumer complaint received 2023-06-21
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: National Credit Systems,Inc. (PA)

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. 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 account without my written permission XXXX and XXXX n has stated XXXXXXXX XXXX  was verified has failed to show proof of verification on more than XXXX disputes.
Consumer complaint received 2023-01-27
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: Block, Inc. (CA)

Hello, My name is XXXX XXXX I am a business owner in XXXX XXXX Ca, I have been using Square to receive payments from my customers for the past few years. I had a customer dispute a charge for a service I had rendered. Upon the customer setting the dispute into motion XXXX then deducted the disputed amount from my account and have been holding these funds ever since. I was then told by XXXX to contact my customer to resolve the issue. They then told me once the customer cancelled the dispute, for me to inform them of this and they would then confirm that with XXXX and my money would be promptly returned to my account. 

I then reached out to my customer to find out the issue. There was a misunderstanding on their part and so upon speaking to them and resolving the issue they then called their bank ( XXXX ) to cancel the dispute the same day they made it ( XX/XX/XXXX ). I then on that same date notified Square of this. I was told by numerous representatives there that they had all the information they would need and that in 3-5 days it would be placed back in my account. 3 weeks later this still has not happened. I have spoken to so many different reps there I have also provided proof from XXXX themselves that this issue has been resolved and still nothing has been done to return my money. I only get the line that they are going to escalate the issue. It has even gotten to the point that the customer has offered to pay me again because they feel bad about it all. So they are offering to pay me another {$2600.00} just to make me whole. This issue has taken up a lot of my time not to mention has thrown my bills and finances into total chaos. I just felt I needed to file this complaint against this company as I feel I am being taken advantage of. 

I thank you for your time and help Sincerely, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been trying to get ahold of Capital One for now 3 months regarding my cards. I'm locked out of my online account bc I changed my phone number. When I call I get bounced between MULTIPLE representatives and placed on hold where they can't seem to find my info. Today I finally had enough when I was sent to a company who I've already paid bc they didn't have the right info even after providing them with all of my personal information
Consumer complaint received 2023-10-02
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. (FL)

i check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I disputed all items on my credit report on XX/XX/ including credit inquiries. As of this date it has been over 30 days and I have not received a response from Experian and XXXX. I asked that all accounts showing on my account be verified as correct and they have not responded as of this date.
Consumer complaint received 2023-10-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

Capstone credit & collections llc is still reporting on my credit report even though a paid-for-delete letter was submitted and granted. The letter I received in the mail from Capstone stated that they received my payment and the account will be deleted within 60 days of receiving the letter, however capstone is still reporting on my credit report as a collection. The letter has a date of XX/XX/XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (NY)

NOTICE OF FAULT/OPPORTUNITY TO CURE Transworld Systems You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 XXXX.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. 

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.