davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX P XXXX XXXX XXXX ) XXXX ( F XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of XXXX, with all bill paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from TransunionXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Case # XXXX XXXX County
Consumer complaint received 2021-03-13
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)

I reported these inaccuracies months ago they were proven as not mines but still somehow came back onto my credit report. I am tired of my rights being violated they are reporting tradelines that do not belong to me on my report
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... Convergent Outsourcing INc, contacted me in representation of XXXX XXXX another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.
Consumer complaint received 2023-05-12
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 am writing to dispute the account referenced XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2021-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (LA)

XX/XX/2021 Ongoing Complaint Number # XXXX Resubmitted on : XX/XX/2021 Company refused repeat to change Due date? The last request was mailed on : XX/XX/2021 which Wells Fargo stated past due 10 days? 
XXXX Payment 2021 due on : XX/XX/2021 which was paid on : XX/XX/2021 Confirmation Number # XXXX {$420.00} XXXX Payment 2021 - Due date : XX/XX/2021 which was paid on : XX/XX/2021 - Confirmation Number # XXXX {$420.00}. 

there is ongoing Grace Period of XXXX of the month, so No Payment is 10 days Past due as reported by : Wells Fargo?
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did not initiate any credit application or request that would warrant such an inquiry. I am very worried that this inquiry negatively impacts my credit score and financial standing. Therefore, I urge you to conduct a thorough investigation into this matter and take appropriate action to rectify this error promptly.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC (NC)

A while back, I had a loan with Opportunity Finance that went into collections. But several months back I contacted them and arranged a settlement to resolve the account that they agreed to. This arrangement was made and fully funded in XXXX of 2020. Despite that, Opportunity continues to report that there is an outstanding balance on this loan. I've disputed the account several times with the credit bureaus, and even called Opportunity Finance and asked them to fix this ; but this account still shows as unresolved on my credit report.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX has closed my auto loan account with the status of " charge-off '' for a past due amount of {$2900.00} in error. XXXX has already received payoff for the loan, as shown by the three attachments : 1 ) loan payoff receipt from XXXX ; 2 ) loan payoff guarantee for {$48000.00} from XXXX ; and 3 ) loan payoff confirmation from XXXX. Feel free to reach out to XXXX directly at XXXX referencing my claim # XXXX and ask for the manager, XXXX XXXX. We have already attempted to resolve the issue with XXXX through several phone calls on these dates : XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. We have e-mailed them as well. However, XXXX has been unresponsive. Also, they no longer have a phone number, only an address, listed for credit report disputes.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please delete these accounts : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BILL.COM, LLC (PA)

There are frequent withdrawals from my checking account from an entity called bill.com, using various prefixes before the company name, such as :XX/XX/XXXX, XXXX, XX/XX/XXXX. 

I have no idea what these charges are but they come frequently. I have tried, many times, to communicate with this company but they make it impossible to communicate with them.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

CHEXSYSTEMS IS REPORTING A FRAUD ACCOUNT FROM XXXX  XXXX XXXX THAT IS 5 YEARS OLD. ACCOUNT IS REPORTING INACCURATE INFORMATION. 

XXXX  XXXX XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CO)

At XXXX XXXX on XX/XX/2021 American Express called my work phone number and my cell phone number at the same time. These are harrassing phone calls and I have asked them to stop calling me repeatedly. Calling me at work puts me at significant risk and will not be tolerated.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BAM Management US Holdings Inc. (OR)

Binance.us claims that all chargebacks will result in account withdrawals being suspended. After the chargeback is cleared, they also claim that they can take up to 7 days to allow transactions again. 

I cleared a chargeback on XX/XX/XXXX and opened a support ticket # XXXX requesting my withdrawals be re-enabled. 

On XXXX I then opened ticket # XXXX to ask as to the status. The ticket was closed immediately with no response at all. 

On XX/XX/XXXX, I then opened ticket # XXXX asking for further information as to the status. That ticket was again closed with no response. 

As I have attempted to reach out to Binance.us in every way possible, and have received no response, I am escalating this to the CFPB.
Consumer complaint received 2023-06-01
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)

I am submitting this complain for you to correct the inaccurate accounts on my credit file which are unknown to me. Please investigate about this matter and have actions about this. Kindly correct also the accuracy of my account. XXXX and Transunion credit bureaus are required to authenticate this account. These are thew following accounts that are needs to be corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Consumer complaint received 2021-03-23
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 (TX)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-12
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. (PA)

On XX/XX/21 I filed a complaint against TransUnion showing that there is incorrect information showing on my report, they are not reporting the method of their investigation, the last investigation request to complete through this bureau has not completed. So just this information alone under the FCRA should complete my request to delete all negative information on my report because they can not properly verify what's on my report. Furthermore there is an attempt to assassinate my credit file further. On 3 occasions over the last 2 months my credit score has dropped the 1st time 152 points, the 2nd time 122 points, and the 3rd time 112 points. There has not been anything major happen in my credit file. I called TransUnion yesterday and they said they would not discuss over the phone even-though I went through their " dispute credit report '' option on their phone system. They did convey that one of the credit cards are showing that I'm in delinquent status. That's impossible I pay on them every 2 weeks. If you go back through the history it will show that fact. In addition when I went to remove a credit freeze on my credit report it was showing my credit file in " unknown '' status I had to call in to have them remove the freeze. All of this has ruined my chances to refinance my mortgage at a more competitive rate, it's forced me to 20 % interest rates to purchase a vehicle, and it threatens my employment + the ability to travel for my job due to the inability of my credit file to be able to get approved as my job requires for a credit card that can hold a substantial balance. In fact the bank scores being pulled are substantially less than the consumer view I'm getting. I would have a better score in bankruptcy than what I do trying to work forward with the credit file I have. How sad is that? Something needs to be done and I will continue to fight this until my credit file is reporting accurately and the scores reflect the true credit I actually have. It's bad enough we have been told to essentially shelter in place for this pandemic and then have to be hamstrung even further with all of this. There is no excuse this needs to fixed once and for all.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (WI)

Please remove those inquires from my report as I filed FTC report with an ongoing/past identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a debt validation to Capital One on XX/XX/2021 which they received on XX/XX/2021 at XXXX. Pursuant to 15 USC 1692g they failed to provide me the five things that constitute validating a debt. 

Additionally, I sent Capital One an Affidavit of Truth along with exhibits and a Cease and Desist Letter on on XX/XX/2021, which they received on XX/XX/2021 at XXXX XXXX  and they continue to harass me via email telling me that I owe this alleged debt which is a violation of 15 USC 1692c
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NC)

My Federal Credit Union Checking Account has been hacked! 

1st- XX/XX/2021 POS Pinned Purchase InstaCash/Repayment XXXX  XXXX  XXXX {$350.00} 2nd- XX/XX/2021 POS Signatured Purchase MONELION XXXX XXXX {$500.00}
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Management, Inc (GA)

Sunset Finance called from one of their phone numbers ( mainline ) and then immediately called back from a secondary line before I could even respond to the first call. This tactic is deceptive in nature and harassing in the fact that the calls are back to back with no reasonable time between them. When I returned the call, the representative became verbally abusive and argumentative stating that " if I paid my bill on time, then I would not get calls ''. This despite my contacting them a week prior and advising them the payment would be made on the XXXX XXXX my pay date ) and she was calling on the XXXX. She indicated that whomever I spoke with the prior week noted I would pay on the XXXX. The representative was advised that the note was in error on their part however the back-to-back calls were unnecessary and harassing in nature, at which time the representative hung up. A subsequent call to the manager resulted in the manager taking the side of the representative and ultimately indicating that they would take legal action. This on a debt that is less than 500 ( less than 30 days past due ) on one account and XXXX ( less than 45 days past due ) on the other. I contacted their corporate office and spoke with XXXX who informed me he would have the area supervisor address it and respond in 24 hours. I have not heard back from anyone.
Consumer complaint received 2021-03-12
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)

CFPB, XXXX XX/XX/2021, I mailed a dispute package to TransUnion by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Transunion on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ).

TransUnion and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of TransUnion ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow TransUnion and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
Thank you.