davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-11-30
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. (AR)

I wrote a letter to Experian, XXXX, and XXXX about information on my credit report being fraud and asked for it to be removed. I also sent an Identity theft report from the Federal Trade Commission to confirm, and these accounts remain on my profile. 
The accounts are XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2023-11-30
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. (MD)

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account XXXX XXXX XXXX ( Doesnt have an account number showing ) has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account XXXX XXXX XXXX  ( Doesnt have an account number showing ) has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-13
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. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I sent in paperwork to have account investigated. I didn't recieve the appropriate information proving this account is mine. Now I'm seeing that account was sold to a collection agency. The amount is {$2900.00}. I am requesting original signed contract, copy of license to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. This is the information I requested the 1st time and never received. I don't want a copy of a bill. That is not validation or verification.
Consumer complaint received 2022-11-13
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. (MD)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NJ)

I submitted for dispute for a credit card. I never recieved a signed contract with my signature, copy of my ID or social. I'm still trying to repair my credit and it is crucial I receive the information I'm requesting. This is a matter that needs to be addressed. I disputing this account to be mine.
Consumer complaint received 2019-04-03
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. (MI)

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, XXXX and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Consumer complaint received 2020-03-10
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)

Please DELETE and and all of the FOLLOWING NOT COMPLIANTLY or NOT PROVEN COMPLIANT REPORTING ACCUSATIONS or any DEROGATORY or adverse aspects of the accounts listed below
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (MI)

I sent a check to XXXX XXXXXXXX XXXX XXXXXXXX for {$8.00} on XX/XX/2022. XXXX did not cash that check and someone else took that check and check washed it. They wrote a check to XXXX XXXX XXXX for {$740.00} on XX/XX/2022. PNC took the money out of my checking account on XX/XX/2022. I proceeded to tell my bank that this was not a check that I wrote. PNC took all of my complaint information about the fraudulent check and had it notarized. They sent the information to XXXX XXXX XXXX  on XX/XX/2022. This is the bank that the XXXX XXXX XXXX deposited the check into. I have been in contact with PNC for over 5 months now with no results. I would like to know when I can expect my money back. I am a XXXX  with very XXXX XXXX  and need the {$740.00} to live on. I hope that you can help me. I really appreciate your attention to this matter. I don't know what else to do anymore. Thank you
Consumer complaint received 2020-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc. (IN)

XXXX XXXX XXXX XXXX got me approved for a car loan and I've made my payment already on the vehicle now the finance company is now for some reason denying my contract..this is something that went on behind my back out of my control, but I'm left dealing with the consequences..the dealership has gotten money from me as well as the finance company..now they want to take my car ... I believe the dealership has committed some type of fraud.
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer Equifax/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.
Consumer complaint received 2023-05-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I! m entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (DE)

I bought furniture worth about 5K at XXXX and XXXX on 0 % APR, they went through TD bank and as I found out later, it was a credit card. 
I set up auto pay for these payments using TD bank online web portal in late XX/XX/XXXXor early XX/XX/2019 ( I am unclear about exact date ) to be paid directly from my XXXX  XXXX XXXX Checking account. 
In XXXX I was contacted by TD bank stating that my XX/XX/XXXX payment was now 30-59 days late as auto pay does not get into effect until next month etc. 
I have since then paid off the full amount and have XX/XX/XXXXbalance. 
The late payment was reported to credit bureau and resulted in a XXXX point decrease in my credit score. 
It continues to be there and has had detrimental effect on the score. 
I feel that the following practices on the banks behalf contributed to this delay - delay in processing of payments. I had authorized payment to be made much before any due date yet it did not get processed. 
- Once the initial payment was missed I was not informed of this until 59 days later and at which point I immediately paid the account to bring it upto date. Earlier contact would have prevented this delay.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (TX)

In XXXX, I requested inaccurate information removed from my credit reports from all three credit bureaus. XXXX  responded in 4 days, Equifax in 6 days and XXXX in 12 days to my amazement. 
I then sent a second letter in mid XXXX requesting all three agencies to reinvestigate my dispute and to send me detail account of how the investigation was conducted and how the account and account information was validated. My concern was again dismissed as the account is still reporting on my credit reports.
Consumer complaint received 2023-11-30
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. (TX)

I am writing to bring to your attention a pressing matter regarding an account associated with XXXX XXXX XXXX XXXX, a company with which I have no recognition or connection. Despite my diligent efforts to seek validation and clarification on this matter, I have yet to receive a response from XXXX XXXX XXXX XXXX, and the situation continues to be a source of distress and confusion. 

The account in question, identified by the reference number XXXX, was brought to my attention when reviewing my credit report. To the best of my knowledge and belief, I have never engaged in any financial transactions with XXXX XXXX XXXXXXXX, nor do I acknowledge any debt owed to them. The absence of any recognizable connection to this company raises serious concerns about the accuracy and legitimacy of the reported account.
Consumer complaint received 2023-02-28
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: SYNCHRONY FINANCIAL (TX)

I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry SYNCB/CARE CREDIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my XXXX credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP (CA)

This complaint is regarding KIMBALL, TIREY, AND ST.JOHN 'S COLLECTION ACCOUNT NO. XXXX, wrongfully appearing on my XXXX credit report.The date of first delinquency is in error and fraudulent and RE-AGED and as such, this account is and has been published wrongfully, and should be deleted from the XXXX BUREAU REPORT. 
IN XX/XX/XXXX, THE CREDITOR RESPONDED TO THE CFPB TWICE, ASSERTING THE FAIR CREDIT REPORTING ACT that JUDGEMENTS can post for 7 years from entry.This is true, however this account has been a COLLECTION ACCOUNT from its first publishing and as such the DATE OF FIRST DELINQUENCY is significant.If the creditor 's JUDGMENT had been reported as a judgement to XXXX, it would be placed in the PUBLIC RECORDS portion of the report not THE COLLECTION ACCOUNT section of the report, AS IT IS TODAY.The account is about unpaid rent per rental contract.The rent was late or delinquent in XX/XX/XXXX and no money has been paid since, regardless of unlawful detainer action filed in XX/XX/XXXX, eviction in XX/XX/XXXX, entry of judgment in XX/XX/XXXX.The  debt is DELINQUENT rent plus fees and interest.The judgment is part of the collection process of collecting overdue rent.The rent was first delinquent and continuously delinquent since XX/XX/XXXX with the original creditor XXXX XXXX.. 
KIMBALL.TIREY STJOHN ADMITS TO THE ANSWER OF OVER 50 DISPUTES IN THEIR CFPB DISPUTE RESPONSES. EVERY DISPUTE WAS WRONGFULLY VERIFIED OR CERTIFIED. 
AS SUCH, REGARDING RE-AGING AND WRONGFUL VERIFICATIONS, EACH VERICATION carries statutory damages from $ 100-1000 dollars per incident and if the court deems they can award punitive damages.BOTH THE FURNISHER AND BUREAU ARE BOTH LIABLE FOR OVER 50 FALSE VERIFICATIONS.

50 X {$100.00} EQUALS {$5000.00} X {$1000.00} EQUALS {$50000.00} PLUS POSSIBLE PUNITIVE AWARD, should Kimball Tirey and I meet in court. 
XXXX regardless of the position of Kimball Tirey..has  the duty to delete this account because the bureau is currently liable for possible {$100000.00} in damage, themselves. 
All evidence attached is a portion of the judicially noticed evidence of a future court action.
Consumer complaint received 2022-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (NY)

The first email notification I can find is for XX/XX/XXXX - essentially I have a CRYPTO.com account where I had a wallet holding some cash, as well as a {$4000.00} XXXX investment that also got me ( if I remember correctly ) their " green card '' - a visa card, and for this deal I also got XXXX and XXXX paid for by the company, CRYPTO.com I received my first notice on XX/XX/XXXX, I believe, that the card wasn't working, and that payments weren't going through. I decided to look into it, and I couldn't gain access to my account. Now I've had a bunch of back and forths with their customer service and they refuse to grant me access to my account- more accurately, they've been telling me they are looking into it for the last XXXX weeks but every time I reach out, they say their team is looking into it and they won't give me a passcode. I asked to cancel my account early in those exchanges ( the first day ) and I don't know if that has anything to do with them stalling and not getting me back in. They don't express any concern whatsoever about whether I am who I say I am, they just tell me they can't figure out how to send a passcode to get me back into my account. I smell XXXX. It feels like a scam. It's my account, I put money into it, and now I can't get even get in and they won't help me.
Consumer complaint received 2020-03-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: F&B Acquisition Group LLC (MO)

I applied for a loan from F & B Financial Group, XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX, XXXX. This was for a Home Loan using my VA entitlement. 
I complied with all the necessary paperwork to XXXX XXXX, Senior Mortgage Advisor. 
I was approved for {$220000.00}. This approval letter was also e-mailed to a Real Estate Agent that I was NOT under contract with. I felt that that was very illegal to do without my permission. 
Between this Real Estate Agent & XXXX XXXX of F & B Financial there were deliberate actions to disqualify me from purchasing many homes.After contacting VA I found out that I can purchase an " as-is '', foreclosure or Auction home. During this time I lost 2 homes that I was interested in because of the actions of F & B. I believe there is an underlying reason for these roadblocks. It is either that my Wife is XXXX or of my age of XXXX. 
I have e-mailed XXXX XXXX firing him with " no response '' I have called F & B many times leaving voicemail messages with no response to my requests. 24 hours ago I left such a message to the President of F & B, XXXX XXXX, requesting an appointment to meet with him in person to discuss the above problems. NO RESPONSE as usual.
Consumer complaint received 2023-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (TX)

From my Discover bank checking account a wire transfer was processed on XX/XX/XXXX to my wifes XXXXXXXX XXXX ( XXXX ) for {$22000.00} usd. 

First Discover told us, the recipient bank had the funds, so we called my wife bank and they told us they don't have the incoming wire, and Discover wasn't able to provide tracking # Few days later Discover told me the wire was on hold by the Federal Reserve and they asked for more information, we supply my wife social security, address and citizenship. 

Days later, I called the Federal Reserve and they told me they don't hold for that timeframe, that I should file a complaint with CFPB. 

XX/XX/XXXX I asked Discover to return my money and I was told they don't have it. I have talked to several supervisors and none has an idea where is it or what to do. They tell me the Reserve has it, the recipients bank has it, the intermediate bank has it... 

Every time I call they tell me 3 to 5 business days, and on the 5th day they " reset '' the days again due to is a new request, so I have been on a loop. 

Please help
Consumer complaint received 2020-01-16
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. (FL)

XX/XX/XXXX, called XX/XX/XXXXand Experian for credit i never applies XX/XX/XXXX called XX/XX/XXXXand Experian to remove inquiries for credit i never applied thank you XX/XX/XXXX
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (AZ)

Barclays has stolen money from me.After I made my last payment of 400 they let transactions go through totaling XXXX and are making me pay for it. This is unacceptable behavior. This is a way your company can keep a balance on a card so I have to keep paying