davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is a Kohls Credit Card. I noticed on my credit report that Kohls started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the Kohls XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to Kohls again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX. I got a call from a Citibank person stating that my bank acct had been hacked and was compromised and I got scammed when they access into my online banking and register for XXXX- they made 2 unauthorized transfers from my checking account - the amount of XXXX And another XXXX The bank begin an investigation and didnt applied the provisional credit or response on 5 days.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request a XXXX for a charge-off that was written off and I never got a XXXX to see how much of it got written off. I understand that this charge-off has been reported to the Internal Revenue Service XXXX IRS ). I am requesting the form XXXX to be sent to me for the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representative many times, but the problem has not been resolved. Please help
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (IN)

Mohela reported that through PSLF loan forgiveness that my student loans were forgiven. The report I got said credit back to XX/XX/2022 however they were just discharged in XXXX reported that I had XXXX of XXXX needed. 

I have been waiting for them to update the 3 credit Bureaus that $ XXXX in school loans have been forgiven, however my credit reports don't reflect it. I want the process expedited. I have read stories of people waiting 3 months or more.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I sent letters and spoke over the phone with all three major credit bureaus, Equifax, XXXX, and XXXX XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX  XXXX that XXXX with XXXX, XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX Account number XXXX, XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX  XXXX Account number XXXX However, all three credit reporting agencies responses were all the same, the company verified the disputed accounts and the results are complete and accurate and will remain on my credit report.

How can this be possible if the accounts are closed if the open dates are over 7 years old and the open dates are all inconsistently across all three credit reporting bureaus, the last day of activity is incorrect and so much
more is incorrect? According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 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.

Also, they arent even in compliance with Metro 2 credit reporting. I have gathered evidence to prove my case.
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A. (ND)

XXXX XXXX has Messerli/Kramer out of XXXX Mn handling the collection. The lawyers from day one have lied and been underhanded about the debt. When they first called they said they had to verify it was me and needed my birthday and ssn when I asked what this was about they said they couldnt tell me unless I verified myself. I told them I dont give out that information without knowing what it is about. They said well maybe we have money to give to you. I hung up on them. Then they had me served with papers to go to court. I had 21 days to get a hold of them which I had and was trying to reach a agreement. But they went to the judge and told him that I ignored them and the judge was going to garnish my wages. I wrote to the judge to tell him how they were handling things and he gave me a day in court. We reached a settlement of {$65.00} a month till paid. That was a few months ago now I get a phone call and they said I told them I would pay in full at 6 months. I told them that I did not say any such thing. When we reached the settlement I was told that the account was closed and that I would pay until paid in full. I was under the impression that the account would not be collecting any more interest either because I closed a few other accounts and they stopped charging interest. These people are still charging me interest and I am never going to be able to pay it all back because every month it is going higher. The bill now is higher than when we closed the account! I tried calling them and they said that they didnt have the authorization to do anything about it. I asked if they could talk to the people that do and they said no and that was that. I told them that I might have to file bankruptcy if I cant get it paid off and they said oh well. They are rude and deceptive.
Consumer complaint received 2023-02-07
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
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.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report. Please See Attached Prior Complaints. 

The is no " Formally Known As '' or Name Change.This the incorrect spelling of my legal name and needs to be remove immediately..
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (WI)

I signed up for 3 month XXXX membership to XXXXXXXX XXXX in XXXX XXXX in XX/XX/XXXX. Winter special they offered. 
I suspended membership in XX/XX/XXXX. 
They confirmed they have record of this. 

I was billed for continued membership in mid XXXX. When I called the office they said it was for continued membership. I informed they I will not be returning and this must be cancelled. I paid the {$50.00} in good faith. 

I got another bill for {$50.00} in XX/XX/XXXX to continue the membership and was informed my CC on file was not valid. 

I informed them by phone and followed up email that this was cancelled in mid XXXX and I did not renew in XXXX as I am not on that area. 

I called the location to complain about this and they said I renewed but I signed nothing. 

I just got a debt collection letter from First Credit Services saying I now owe {$190.00}?? 

I responded to the letter by email stating all of the above. 

I do not owe any funds as I informed them in mid XXXX when I paid them {$50.00} for something I did not owe at that time but understood possible conflicts in communications. Now this is starting again!! 

This is a scam. I did not sign up for any on going membership.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (AZ)

XXXX is an internet communications company that at the time was the only provider on the base Im stationed at. 

Never did I sign an agreement, agree to any specific terms other than a fixed rate internet plan. 

They are attempting to charge me for one month of an internet service I have never used and never signed any document about. One that I have tried to rationally discuss with them, and have been continuously mistreated. I have been disrespected and mistreated by their customer service. 

I received equipment and didnt set it up, due to moving, and tried using their customer service to return it. 

Repeatedly they were extremely unprofessional, hard to deal with and wasted hours of my time. Hanging up on me multiple times. 

I had to go in person just to get the equipment returned, a note was put in by a kind employee who said the charge would most likely be removed. Upon returning the equipment to a store in person, I was told that the equipment fee was waived. 

They continued to harass me with further emails and calls stating I owe them for a month of internet. My attempts to contact were in vane. They continued to harass me while at work. A company Im forced to use on a military base because XXXX XXXX XXXX military has gone out of its way to misuse and harass me. Even attempting to interrupt my work. 

Theyve now sent this imaginary debt to a collection agency, refusing to let me represent myself or justify my situation. 

I would happily bring them to court and set a precedent if needed because this is not right in any way, and I would imagine some people would know its completely wrong and just pay this aggressive unreasonable company. Their customer service takes hours to use and gets you nowhere. 

This company doesnt treat you like a person or attempt to assist you. The customer service team is in another country, and has a list of automated responses. They dont have supervision to route to, they simply humiliate and waste time, while this company does whatever it wants unchecked. I was forced to use this service until I moved.
Consumer complaint received 2023-01-09
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 submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titanium Funds (UT)

Titanium Funds account # XXXX was included in a discharged chapter XXXX bankruptcy docket # XXXX and they are still reporting negatively every month and reporting a balance. They are in violation of the Bankruptcy Stay and the next correspondence will be from my attorney.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

per 15 1666B no lates should be furnished per 15 usc 1681 b as well. I did not authorize any furnishing, i did not provide my consent or anything. im disappointed in the companies and the matter needs to be resolved asap.
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an closed account and that the balance I owe is {$290.00} reported closed XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-02-07
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Mortgage Company Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late
Consumer complaint received 2023-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.