davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WA)

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX, that was originally leased through XXXX XXXX XXXX, later sold to a company named XXXX, the vehicle was returned to XXXX  with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX I was notified by RPM on XX/XX/XXXX regarding an alleged debt. I have reason to believe I do not owe this debt because I have never been contacted in any form by XXXX XXXX XXXX, XXXX ; I verified my account in good standing before closing the account is XXXX  Leasing ; I verified my account in good standing after closing the account is XXXX Leasing, I have never been contacted in any way by XXXX Leasing since closing the account ; I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have I had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XX/XX/XXXX. I mailed a demand letter which was received on XX/XX/XXXX I received a response from RPM dates XX/XX/XXXX, which complies with 15 U.S.C.1692g, and includes the name and address of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX ), the amount they are alleging in collections is {$3800.00}. 

Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ), is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. 

So the debt collection agency, RPM, is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor/Leader " XXXX XXXX XXXX '', which was bought by XXXX  and XXXX  is now out of business and unable to be contacted and you can no longer access any of their customer accounts, and I have never been informed of a transfer of debt or an existence of debt with any of the aforementioned companies, except the attempt at collections by RPM. I have records of all the communication, all of the transactions from the original lease, all of the communications between me and the debt collector have been written and recorded. 

So, I am asking to file this complaint against RPM who I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2022-05-23
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. (CA)

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 the 3 Credit Bureaus was XX/XX/2022, 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 account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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)

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 the 3 Credit Bureaus was XXXX XXXX, 2022, 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 account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they can not remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT ... .I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now TRANSUNION is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

Noticed today XX/XX/2021, on my credit report. Again, Southwest Credit System has placed a statement status as saying, " {$120.00} balance, Seriously past due/assigned to attorney, collection agency, or credit grantors internal collection department. '' Again, do not know this company. 

SWC needs to speak with the Original Creditor.
Consumer complaint received 2021-11-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

My last two CFPB complaints ( XXXX ) were ignored due to the fact that this company believed someone else was making these complaints outside of me, However on XX/XX/2021 I spoke with a customer representative at Experian to verify that I, XXXX XXXX XXXX am indeed making these complaints. 


On XX/XX/2021 I spoke with a representative on behalf of Experian on an item thats been reported on my credit report incorrectly. He then proceeded to say he will open a new dispute however, I have disputed this item several times and every time you have failed to deliver the validation on this item being reported on my report. I asked the representative how did this company verify this item and was told they verified it by word of mouth with no legible information nor documentation provided. This is unacceptable and illegal. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days since my last dispute so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-11-19
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. (NJ)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-05-23
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. (CA)

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 XXXX and TransUnion was XX/XX/ 2022, 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 accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I got a call from XXXX XXXX stating that there are fraudulent charges on my checking account. I checked my account to see that there was fraudulent charges on the account. The rep ( scammer ) said in order to refund my money, Ill have to send the remaining money in the checking account to XXXX to refund my money. I sent him the money. Then he hung up. I immediately contacted my to confirm what the previous call methods. The actual rep informed me that XXXX will not call you about fraudulent activities. I file a claim. They was able to reimburse me on the fraudulent charges on my account. However, the XXXX transfer, even if it a scam, they can do nothing about. I file a police report on the incident. The amount scammed from me is {$1300.00}.
Consumer complaint received 2021-11-19
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. (CA)

I called Experians fraud dispute department on XX/XX/2021, around XXXX XXXX. XXXX. I spoke to a male agent by the name of XXXX. After I was fully authenticated, XXXX indicated I had an Experian membership and asked for my two security question answers : 1. What street did I grow up on? 2. What is my XXXX PIN? XXXX indicated I answered both questions correctly and proceeded to the dispute process. I requested to dispute an inaccurate address on my credit report. I also requested to dispute an inaccurate notice that indicated my address is associated with a business. I dont live at that address and I dont have a business. The address is not deliverable to me by the U.S. Post Office, and is not reportable as per the FCRA since they are inaccurate. I informed XXXX that I have lived at my current address for more than two ( 2 ) years. XXXX refused to file a dispute on the inaccurate address. XXXX also refused to file a request to remove the notice indicating the inaccurate address is associated with a business. I told XXXX I dont have a business and never used a residential address as a business address. XXXX continued to interrupt me and then refused to file any disputes. XXXX said my voice sounded familiar and he doesnt have to file my dispute. I successfully passed any and all of XXXX security questions and am entitled to file disputes on inaccurate, erroneous and unverifiable items pursuant to the FCRA. I indicated I have a valid police report and XXXX said that doesnt matter. I then asked XXXX for the name of his team, the name of his supervisor and what state or country his call center is located. XXXX refused to answer my questions and then disconnected the telephone call. I am maintaining a careful record of my communications with Experian for purpose of filing a complaint with my Attorney Generals office and Federal Trade Commission. Experian is in violation of federal law for your willful non-compliance as you have now violated federal law by not properly investigating inaccurate reporting. Criminal and civil claims will be pursued.
Consumer complaint received 2023-02-21
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. (FL)

XXXX recently reported as of XX/XX/XXXX in experian and XXXX as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (VA)

There was a of fraudulent charge case ( TD CASE XXXX ) involving my TD Bank 's Visa Card in XXXX, amount {$1100.00}. Unfortunately, TD found the fraud case in favor of the merchant because whoever stole my credit card delivered the item to my house, and I returned the product back to the merchant, resulting in TD closing the case and re-billed me in XXXX. I paid TD my credit card bill including {$1100.00} to maintain good standing with my account. 

Since then, I kept contacting the merchant for a refund. But the merchant insisted that TD Bank never paid them ( XXXX XXXX XXXX, XXXX ) due to the " fraud '' status of the transaction. 

I spoke to a lawyer about it, the lawyer advised me that I need to be able to prove that TD Bank paid the merchant. So I called TD many times to request evidence of payment to merchant. TD tells me that my credit card statement is all I can get and it is sufficient, when in fact my credit card statement does not prove TD paid the merchant.
Consumer complaint received 2021-11-19
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. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with 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. DELETE the following accounts below : ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX )
Consumer complaint received 2021-11-19
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. (TN)

Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to experian stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXX/XX/XXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.
Consumer complaint received 2022-05-23
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. (CA)

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 the XXXX Credit Bureaus was XX/XX/2022, 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 account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-23
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)

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 and XXXX was XXXX XXXX, 2022, 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 accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent a letter ( attached ) to XXXX and Transunion about having incorrect personal information in the consumer report, I demanded to be fix and remove old addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate, also to remove incorrect names. 
Its been more than 30 days and they ignored my request. 

Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I give you my written instructions to furnish the information just as it says on the letter attached. 
I'm including my social security, and two bills with my current address. 

Please do not ignore my request and come out with the excuse that you cant locate my file or you don't have my authorization or you dont recognized this complaint by me.. 
I have seen plenty of complaints in the cfpb with XXXX and you like to come out with this type of excuses.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (GA)

I received a letter from XXXX stating I owe a balance of {$360.00} due to XXXX. Then, XXXX sent the debt to Franklin collection services. I have never had an account with XXXX and I explained that. I have mailed 3 letters in regards to the debt but have not received any proof or correspondence about the letters, only more mail trying to collect the debt. The dates these letters were mailed are on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year and I have yet to receive anything. I keep getting reported on my credit due to this debt and I am in need of help.
Consumer complaint received 2021-11-19
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: I.C. System, Inc. (OK)

IC System 5 Letters sent to the business/credit bureau . 

didn't show investigations results. didn't investigate. 

never updated or corrected error on my credit report.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX/XXXX/2021 I was trying purchase a puppy from a website XXXX that i found online. I had text back and forth with the number XXXX, they sent videos and pictures of the puppy we were going to purchase. We were to sent XXXX of {$700.00} to XXXX and they were to ship out the puppy the next morning, XXXX/XXXX/2021 I also had to send them a selfie of my me holding my driver 's license, so now they have my photo ID & a picture of me holding it. The next morning the person tells me they dropped the puppy off at the airport and we should receive it the next day, i then get an email from a XXXX XXXX XXXX, stating a whole thing that the puppy needs a license as well as a special crate to fly and thats another {$1500.00} & its refundable upon arrival, i didnt respond to the email and then they called me. there were dogs barking in the background and then the original number of the " seller '' text me " apologizing '' stating their husband checked it out, its refundable. so i paid it. That was sent to XXXX as well to ( XXXX ), but first i tried to pay XXXX & it " denied '' it, i had charges on my bank statement after that, having to get a new XXXX. They sent me tracking information, the next day the dog was suppose to arrive at noon, they called at XXXX, asking for {$500.00}. more when i told them i wasnt paying another more money, he told me i wasnt getting the dog, i laughed and told him to just keep it then. The seller then send me an " XXXX ''. 
XXXX is the email used to email me for the " company ''. 

I went to Bank of America, let them know what happened, that I had been scammed that I had filed a police report, that I was taking all the steps to try to make sure this doesnt happen again and to try and get my money back and the customer representative said there was nothing they could do because I sent it willingly. Which isnt wrong, but I did so under the intentions it was to a woman named XXXX for a dog, not some scam artist to keep my money! 

Now its happening to others with my XXXX I filed a a report with the FTC!