davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (SC)

XXXX XXXX has not correctly credited my account for payments made to them. I contacted the collection agency. I uploaded the payment cashed proof to XXXX website and sent XXXX XXXX  the proof of cashed payment not credited to my account. they received and cashed payment back in 2017. The only problem from my fault was that a XXXX dollar payment was not cashed back then. I enclosed with proof to them another check and they cashed it. XXXX is the balance and this should not be on my credit report at all. They are robotically calling me through collection agency for a debt not owed to them. It cost me XXXX dollars extra through my bank account to obtain the proof of payment made to them. It is XXXX XXXX  that is at fault here not me.
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you 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 2021-01-05
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. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-01-05
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)

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AL)

Ally noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with Ally on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through Ally for years, but this is an issue that is encouraging me to refinance my vehicle.
Consumer complaint received 2023-02-04
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 XXXX to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-17
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. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-24
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be updated ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a boyfriend overseas, who I met online. Hes told me he trying to come back to Ohio and he needs to get things done before he arrives back. He told me that he would deposit money into my account from a company that he has people working for him in and wanted me to help him send this money to certain places and people to help him get a place to stay, car, furniture etc for when he arrives back. The deposit came through on XX/XX/XXXX from a company named XXXX XXXX. He asked me to go to the bank on XX/XX/XXXX, XXXX, XXXX to withdraw large amounts of money and send it to certain people. I didnt think anything of it because he sold me on a dream that he was preparing to come home to me and my children, hes spoken about marriage and has even sent me gifts to my home for XXXX XXXX and my past birthday in XXXX and he said he was trying to get things together for us before he arrives. He then asks me to go to the bank again on XX/XX/XXXX. The day of XX/XX/XXXX I attempt to go to the bank and withdraw the amount he asked me to withdraw and it was not approved and thats when I was told they are now looking into the account for fraud. I had no idea all this was going on. I truly believed what the guy I called my boyfriend was saying to me, seeing as I have been talking to him since the beginning of 2020 in XXXX. He was telling me because of covid pandemic he can not leave right now and he has to send his funds over now to get things ready for us before his return and I was just oblivious enough to believe it. On XX/XX/XXXX after I called the fraud department to see what was going on and they told me it was being investigated, I became scared and upset because I did not know what was going on and I immediately called the attorney generals office and told them I suspected I had unknowingly been involved in a scam and fraud. The lady I spoke with took my information and advised me to file a police report and get copies of it and file a complaint with consumer finance bureau because she suspects I was apart of a Relationship Scam. I then called the police and had them come out to my home so that I can provide a police report of what was going on. I honestly had no idea that this was going on and I was unknowingly involved in something I would never in my life do! Im a full time XXXX with 3 jobs and XXXX kids. I would never put my children in jeopardy like that! Ive called today to request a copy of the police report to add it to this but they said since it was given last night ( XX/XX/XXXX ) it will not be finished until XX/XX/XXXX and thats when I will be able to forward it to everyone.
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

Hello, so I have been in contact with the the credit bureau about account XXXX XXXX XXXXXXXX account that have been reporting inaccuracies I have sent letters reporting the information in XXXX XXXX the information was removed from on credit bureau but not the other XXXX which have been affecting me and my score tremendously. I need the information to be fixed immediately.
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

I purchased a vehicle from premier Nissan on XX/XX/XXXX. When purchasing this vehicle I traded in a XXXX XXXX. The dealership is refusing to pay off the vehicle. I was informed today by XXXX XXXX that I am still responsible for the payments on the XXXX XXXX even though I do not have the vehicle. I have attempted to speak to several people. I went to the dealership and waited for 3 hours to speak to someone. The receptionist finally put me on the phone with someone who said that she will call me back. I am not able to purchase a tag without them paying off the car. The state charges extra for late tag purchases.
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

In XX/XX/2020 I allowed my friend deposit her unemployment back paying my accchecking @, fifth third XXXX XXXX XXXX ind.XXXX I then went and withdrew it XXXX XXXX of her money in cashier XXXX and the remainder of her dep she had owed me were I gave her personal loan of XXXX inXXXX so the other XXXXshe payed that bk to me and the fraud dep said they wasclosen my acc and sending money bk to unemployment stating fraud well there was nofraud but the fraud lied they never sent money bk I called president of bank XXXX and I got letter in XXXX from him stating they closed my acc which was pose be closed in XXXX and XXXX the money was still in my accent just now said closed and haven't give my money bk they never sent no money into unemployment and didn't release it to me and I demand my money there saying I had no money in my acc yes I did I have proof also. XXXX XXXX plz help me
Consumer complaint received 2021-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

I recently made I Coinbase account weeks ago. And I fully verified my account with my driver 's license from Ohio. And now just recently they made my bank transfers set to XXXX $ when just the other day when it was XXXX $ a day. And there response to that was 'We can not offer you higher purchase limits for your payment methods in your region due to current regulations. We cant guarantee that your limits will be raised in the future, but we will continue working with local governments to improve our customer experience moving forward. ' Email linked to my Coinbase account XXXX XXXX
Consumer complaint received 2023-03-06
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. (KY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was approved for a Secured Credit Card through Capital One, it said I could add funds onto it by XX/XX/XXXX. I only added {$100.00}, and was going to add more the first week of XXXX. I received the card on XX/XX/2021 and I activated it. I called Capital one and spoke to a rude so called " manager '' and she said I could not add any more funds to it because I activated it!! I never received any documentation showing that if I activated it I could no longer add funds by XX/XX/2021. This is total misrepresentation of the card and I want to add more funds on it around XX/XX/2021. 
They can not continue to mis lead consumers in this manner!
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (VA)

XXXX ( XXXX  ) XXXX Springs Oaks Capital Purchased The Debt I Have Submitted A Request To Validate The Debt Showing My Signature on a contract with springs oaks capital I have not received any documentation with my signature on a contract with this company or the company ( XXXX XXXX ) I have filed a dispute with all 3 credit bureau they have not verified the debt I do not consent to XXXX XXXX or any form of automated verification it is damaging my credit report and I demand to see a contract with ( Spring Oaks Capital ) with my signature on it I have contacted this company through mail and filed a dispute they have responded and said they were currently not reporting any account on my credit profile I am sending proof that this is a Lie and also sending proof that they are in fact reporting this account on my credit profile with out providing the proof which is a signature contract with XXXX  ( XXXX  ) or ( Spring Oaks Capital ) they are re aging the account which is also a VIOLATION of my Rights I am going to take legal action if this is not corrected in a timely manner XXXX has removed the account and spring oaks capital has added the account back with out sending me valid proof that the account is accurate. and in order to add it back on my credit profile they have to notify me within ( 5 Days ) this account needs to be removed please be aware that depending upon your response. Failure to validate this debt with the accurate information may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2.violations of the fair credit reporting act. I may be detailing any potential issues with your company via An online public press, including documentation of any potential small claims action CC : Consumer financial protection bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX this will be my final time trying to get this account removed failure to do so I will take legal action every document that is attached is proof that this company are lying and are violating my rights
Consumer complaint received 2021-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (FL)

transferred money from XXXX  XXXX XXXX  account to XXXX  XXXX XXXX account I got an email saying someone sent you money, but for some reason it is now going to take 1-3 business days despite in the past it was done same day. I have transferred money between these two accounts in the past.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Consumer complaint received 2023-03-06
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. (DE)

My name is XXXX 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 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am inquiring about the method of verification used to accurately verify the bankruptcy on my credit report. And I have pulled my XX/XX/XXXXfile and spoke with someone from XXXX XXXX directly and they do not have this information listed in their system so please do not fabricated and say you have verified through them or the recording of the call I have with them and your statement will be sent to my state attorney general, the FTC and I will seek damages for inaccurate reporting
Consumer complaint received 2018-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc. (GA)

Workmans comp claim paid and original company and I have provided supporting information to confirm information incorrect. Collection agency persists in verifying information to credit bureau. They have said for 6 months that they have tried to resolve but evidence shows they are verifying information to XXXX. 

I just received dispute results that confirms they are verifying this information despite knowing it is incorrect. 

XXXX is also verifying information they know to be incorrect.
Consumer complaint received 2022-09-17
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. (AZ)

In accordance with the Fair Credit Reporting Act : XXXX  Account # XXXX {$660.00}, XXXX  Account # XXXX {$850.00}, XXXX Account # XXXX {$5300.00}, XXXX XXXX Account # XXXX {$150.00}, XXXX  Account # XXXX {$13000.00}, XXXX XXXX Account # XXXX {$9000.00}, XXXX  Account # XXXX {$2700.00}, XXXX  Account # XXXX {$520.00}, XXXX Account # XXXX {$390.00}, XXXX XXXX Account # XXXX {$260.00} has violated my rights. These accounts are also reporting inaccurate. 

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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I mailed via USPS tracking a letter addressing my concern on a XXXX XXXX  account # XXXX of what was reporting on my credit file. It was received by Equifax on XX/XX/2021 I failed to get any response I once again mailed out a letter letting Equifax know that it was reporting questionable data and yet they ignored my initial letter and my second letter as well. At this point after never responding and doing a proper investigation the derogatory listing needs to be removed.
Consumer complaint received 2021-01-05
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. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!