davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
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. (OH)

This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I am on a bi weekly payment schedule, as such my payments are a month ahead. In addition every month I make an additional principle payment of {$500.00}, i do this under the Principle payment option. every month I have to call later, and have them properly credit the account, as they put the extra payment into " unapplied funds '' when I call they tell me they dont know why that happened and will fix it ( this takes about a week ) On the first of XXXX, i had a long conversation with a manager who assured me the issue was fixed. money was taken from my account on the second, they did not apply it until the XXXX, and once again out into " un applied funds ''. This happens so regularly I have to question that it is accidental each time. They sit on my money until I ave it corrected. I have spoken to several " escalation '' team members who assure me it has been fixed. It has not, nor do they respond to why my funds sit in their account for so long before they even post ( even though they post incorrectly to un applied funds ). I know more than the average customer as I am in this business. the response is always " escalated '' but never fixed. I have asked if i should just call it in and told i would be charged each time if I do that, why should I have to pay a fee because they cant figure out how to apply payments??
Consumer complaint received 2021-12-30
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. (NC)

I have sent in letters on numerous occasions to Transunion and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.
Consumer complaint received 2021-07-02
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. (GA)

This company XXXX is incorrectly reporting my account first 60/90 days late when the balance was paid off in full. They are ruining my credit rating with this nonsense account and being dishonest with their reporting. I am not past due nor have I ever been late 60/90 days. They need to remove this dishonest reporting ASAP it is affecting my mortgage loan approval. I will never ever use this company again for their deceptive practices. Please have them to remove this inaccurate information promptly.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SIMMONS FIRST NATIONAL CORPORATION (PA)

ON XX/XX/2019 SIMMONS BANK Has left Unautorized Hard Inquiry on my credit with XXXX  so, i contact XXXX  and placed a freeze on credit, i didn't apply for anything with SIMMONS BANK
Consumer complaint received 2024-01-16
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. (MO)

Once again experian sends me another ridiculous notification that dispute is ready to view online which of course is a lie and yet again it says to call and when I do and tell the none XXXX speaking person who wants my whole social security number which I flatly refuse and when I told him I was also recording our conversation of course he hung up, fraudulent fraudulent fraudulent fraudulent company
Consumer complaint received 2024-02-20
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00}, XXXX  XXXX XXXX XX/XX/XXXX {$4000.00}XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XX/XX/XXXX {$6100.00}, XXXX XXXX  Bankruptcy XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-02
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: ENCORE CAPITAL GROUP INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Concerto Card Company (WV)

When I took this card out I received a hard credit inquiry. Since that time I have made on time payments and recently paid off my balance. I have excellent payment history that they are not reporting and can provide no explanation. I've checked my credit report and confirmed they are not reporting when I asked why they advised they would open a case and have it " investigated '' ... XXXX relieved the following meaningless response : " We referred your question about credit reporting to our credit and risk team and confirmed that we are not yet reporting account performance to XXXX. Our inquiry to your credit was reported at the time of your application, and account performance reporting will follow at a later date. '' This is not the first problem I've had with this company, this is the second complaint I've filed against them within the last 2 months.
Consumer complaint received 2021-12-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the inaccurate info being reported from XXXX XXXX -- XXXX In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2021-12-30
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-30
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. (PA)

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

After I filed bankruptcy and the the company with claim with the court, filed to be released from XXXX. Then came and repossessed my vehicle after I paid what they told the court I was behind. I paid it yet they repossessed my car anyway. They sent a certified letter asking for {$2100.00}. Then over the phone after I was about to pay, they verbally changed the amount to {$2700.00}. Plus {$320.00}. To the towing company. I was told my account was being brought up to date. After paying the money, I got a letter not confirming what I paid, but that they recieved a payment. And that my account was being reopened. And that my next payment of {$610.00}. was due XX/XX/21 that I was told my account was up to date after the payments and additional {$610.00}. Added after the certified amount. And that reactivate could take several weeks as much as four weeks. 
Then my attorney filed a motion to dissallow Toyota motor credit from any further disbursement from court because after release from stay, they didn't withdraw their claim. I really think something illegal was done here in all this and need a investigation.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Wise Recovery Solution LLC (UNITED STATES MINOR OUTLYING ISLANDS)

On me XXXX Credit Wise credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as XXXX and Credit Wise to remove but they have not don remove the XXXX The only numbers I have of is XXXX and XXXX
Consumer complaint received 2021-12-30
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. (PA)

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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (NY)

This account was never paid late by me as it is reported. I returned the XXXX XXXX XXXX in XX/XX/XXXX and got a new XXXX XXXX XXXX. I was not responsible for pay XXXX payments. I only had a XXXX  months lease that is from XX/XX/XXXX to XX/XX/XXXX not XX/XX/XXXX. I paid the dealership and they was supposed to take care of the payment. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are a XXXX day XXXX payment. The XXXX years I had lease with XXXX I was never late with a payment. 
This late payment is hurting my chance to lease or buy again with you. It is also hurting me from buy a home. 
After doing so please provide me with an updated.
Consumer complaint received 2023-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (DC)

The company sent me a letter saying that I owed money for doctors appointments which I had paid long before the company sent the letter. I also never owed this company money, as they are unrelated to the hospital where I received my medical care. I do not know how they got the information regarding my appointments and their costs, and I believe that this company is scamming me to try to get me to pay them for debts I do not have.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

Through a sophisticated and complex scam on XXXX XXXX, where the perpetrator was able to garner all of our private information ; Citibank transferred {$2000.00} from our savings at Citibank to an account the crook set up at XXXX. The scammer was able to breach Citibank 's own site with a number to call the fraud dept. It's a long story ; but the long and short of it was : We froze our acct. as soon as we realized what was happening. We filed a dispute on the {$2000.00} withdrawal. We were told to open a new account and have the rest of our savings transferred into it from the existing compromised account. The Citibank fraud dept. replaced the {$2000.00} as well ( that was good ) ; but now we, after 20 hours + on the phone with customer rep after customer rep who could not get us access to our own account have given up on the phone contact. We did not realize that Citibank only has a brick and mortar location in 12 states. We are in WA state. The nearest Citibank location is about 1,000 miles away in CA or NV. We deal with 2 other ( local ) banks and had no problem changing those accounts and accessing the new accounts with our new usernames and passwords. After giving up on the phone contact ( which seems to be routed to a foreign county with reps we can not understand, and don't know-or care-about what to do ) we have taken to sending certified letters asking as to how we might access our own account. This has been going on for over 5 weeks. The FTC and XXXX XXXX Sheriffs Fraud dept. have been notified.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I took a family trip to XXXX from XXXX XXXX on XX/XX/2022 and returned XX/XX/2022 ( XXXX XXXX XXXX ; have attached proof that I was in XXXX below. My second flight was cancelled due to weather so please refer to the other flight ). During my stay in XXXX I was notified via text from Wells Fargo of a transaction occurring in Florida and stating if this was me or not. It was obviously not me since I was in a different state so I called the number and had my card closed. To my surprise a total of 4 transactions had already gone through : XXXX ( XXXX XXXX ), XXXX ( XXXX store transaction ), XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX. All these transactions occurred on XX/XX/2022 for a total of {$310.00}. When I contacted Wells Fargo to submit a claim ( Claim # XXXX ) for my funds they concluded that they would not be refunding me because it was made by someone who used my PIN ( even though these can be found via a skimmer or other debit card reader ). Additionally, the card was in my possession with me in XXXX so not entirely sure how this could have happened. Any help will be appreciated and look forward to hearing from you soon.
Consumer complaint received 2024-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

XX/XX/2024 PayPal closed my business account. They said I violated their user agreement but they wont tell me exactly what part of the agreement or how I violated it. I have repeatedly asked for an explanation and they have not given me one.

Today PayPal withdrew {$2100.00} from my business checking account with zero explanation. I have asked for an explanation and they have not given me one. 

I used PayPal to make legitimate sales of digital products in my online business. I offer a transparent refund policy and I respond to all customer service requests. I am a legitimate business and I have not violated any PayPal policies that I am aware of. If any policies have been violated that I am unaware of, I will gladly do whatever it takes to fix those violations. PayPal will not give me an answer. They closed my account, took my money, and theres nothing I can do about it. 

Please help me recover these funds from PayPal and get an explanation as to why this happened.
Consumer complaint received 2022-05-26
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. (PA)

Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis aka Columbia Recovery has again filed a debt collection that was fraudulent. When I called on XX/XX/XXXX, the agent XXXX was very rude and told me my DOB, email and phone number were different than what he had. I explained that was because the woman using my identity is a fraud. I requested a fraud packet which I never received. Today I spoke with XXXX at the company and while he was kind and professional he still could not send a fraud packet while we were on the phone. He informed me there were two accounts in my name, both fraudulent. Both these accounts were removed before from my credit reports after I sent thick certified packets with 13 pieces of information required for a fraud packet. While XXXX acknowledged they received some things from me bith in XXXX when these accounts were opened and recently, the company continues to report a second time these fraudulent accounts. On the XXXX of XXXX the man rudely stated they didn't have two copies of my signature. They do. They have FTC reports, police reports, emails, bills, proof of residency in Texas and home ownership. XXXX stated my photo was " not clear enough ''. Both my Texas driver 's license and passport photos were very clear. They also want separate packets for the two accounts which is ridiculous. Everything will be the same because I am not nor was ever living in XXXX, XXXX  area but have remained in XXXX XXXX XXXX XXXX XXXX XXXX XXXX