davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (MD)

I have an Axos Bank account with their Axos XXXX  product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. When I was attempting to file my taxes on XX/XX/2022, I realized that most of the cost basis information was missing on my 1099-Combined form. This means my tax liability is much higher than it should be. I have had to file an extension and they continue to be extremely unresponsive in resolving this. I sent my first support request through their Customer Portal on XX/XX/2022. During a call on XX/XX/2022, a customer support employee advised that he would send the cost basis information, but the documents he sent did not have the full cost basis information as promised. During a call on XX/XX/2022, I was advised that they did not have all the cost basis information from when they changed clearing houses, but that this was a common issue and they were looking to get that information. Since then, I have been stonewalled in my attempt to get any information or updates on the cost basis information. I have attached all of my messages through their Customer Portal ( Case # XXXX, XXXX, XXXX. I called Axos Bank on XX/XX/2022, XX/XX/2022, and three other subsequent times in XXXX ( one of which I placed myself in their queue but never received a return call ). On one of these calls, I was promised that a supervisor would contact me, which did not happen. I can not file my taxes without this cost basis information, nor can anyone else in my situation.
Consumer complaint received 2020-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2022-10-18
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: Experian Information Solutions 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 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (TX)

Hire right conducted a background check for XXXX, hire rights background check is not including the date of arrest that is the disposition date more than 7 years, please explain why the conviction but no record of rehabitations is being shown need the report to show the adjudicated meaning, the fact that the company makes the final hiring decision and the ftc law that allows this in texas, How is it these records are not confidential, and what business code allows the conduct of a background without violation the privacy act of XXXX How is it hirerights module does not follow the XXXX green factor guidelines
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX .Please remove delete all others they are not mine. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: MoneyLion Inc. (CO)

I signed up for a MoneyLion account around XXXX/XXXX/19, and was issued a {$500.00} short term loan and was to pay the membership fee of {$19.00} a month while my loan was in repayment. The agreement stated that I was to make 2 payments per month on the XXXX and the XXXX, and I made my first payment on XXXX/XXXX/19, then when the second payment was due on XXXX/XXXX/19, I paid the remaining balance. Immediately after paying the balance, I reached out to Money Lion Support multiple times to close my account and request a refund of my reserves and was never able to reach any representatives. None of the phone numbers listed worked and they would connect me to the XXXX and the person on the other end of the line was never able to help me. I finally received an email back that my account had been closed as requested on XXXX/XXXX/19. On XXXX/XXXX/19, I received an email stating that this account was now added to my credit report even though I was assured this would have zero effect on my credit. Since this account is considered " new '' for 2 years, the impacts to my score were negative even though this product claims to be a " credit builder ''. Aside from the " new '' status of this " credit builder plus loan '', I am now stuck with this on my credit report and it reports as negative information because it is a " consumer finance account '' which I was not aware of and still can not find any information warning customers of this dangerous product that claims to help.
Consumer complaint received 2019-08-28
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: EQUIFAX, INC. (IL)

Equifax!!!! Please do what XXXX, and XXXX have done with these fraudulent accounts. Remove them!!! Why haven't you removed these fraudulent accounts from my credit report after the creditors have admitted that they were not opened by me?? XXXX deleted the accounts, XXXX deleted the accounts, what the XXXX are you waiting for?? It's affecting my ability to purchase my first house!!!
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

I'm perplexed with my recent credit report to consider that I don't owe this debt - Can you please look into this along with the attachments? Also, I have disputed this item with the credit reporting agency, and the original creditor and coll and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted transunion numerous times and been told many times that these unauthorized inquiries would be deleted. I demand them to be deleted immediately. Transunion told me they would delete the inquiries but it is still reporting on my credit report. Please delete inquiries immediately as they are unauthorized.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Note : This is my third Complaint with the CFPB. About the same issue with EXPERIAN. Experian it is my Right and Federal Law that you provide me with copies of the Original Signed Contact of the Negative XXXX XXXX # XXXX Account on my credit report ( That Experian should have ). Note : I Am Demanding Copies Of of the Sign Contact with my signature. If fail to do so I will seek damages in the court of law or Experian can Remove this ITEM. This is my last warning!!!
Consumer complaint received 2021-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed items that are listed on my credit report XX/XX/2021. I have not heard a response in the 30 day time frame. 
I would like the items listed on attached removed from my credit file.
Consumer complaint received 2019-08-28
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. (GA)

I am writing to dispute the reporting by XXXX to Transunion of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the XXXX and Transunion for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to XXXX. Upon learning this, XXXX indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, XXXX collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by XXXX inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that XXXX is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, XXXX, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. XXXX has relevant payment history.
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has validated my rights.

15. U.S.C 1681 Section 602 A. States I have the to privacy.

15. U.S.C. 1681 Section 604 A Section 2 : it also states a consumer repotting agency can not furnish an account without my written
Consumer complaint received 2019-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (NC)

Calling from different phones numbers to my cell phone and claiming to be calling from a law office. They called from phone numbers XXXX and XXXX ; they never advised on what debt they were collecting, they did not answer me when I asked who they are collecting for, they did not give a dollar amount. Theyre rude and hung up when I asked for documentation. They then called back and advised they are freezing my bank accounts, and seizing my income and properties before court and I will be served for court. & Again they hung up when I advised them to stop calling my phone.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (PA)

I need Arbitration or a Judge to resolve the following situation : On XX/XX/XXXX, I purchased a XXXX XXXX totaling {$4200.00}. XXXX XXXX  and XXXX was authorized to pay {$180.00} for 24 months. 
From XXXX, XXXX until XXXX, XXXX, this account was setup for automatic repayment by XXXX. 
During this period, XXXX bank paid XXXX each month, sometimes twice a month to Comenity bank. 
In early XXXX, I kept getting bills from Comenity Bank and one final payment was required by XXXX. 
In other words, as of XX/XX/XXXX, a balance of {$140.00} remained for complete debt repayment. 
Since XXXX was changing name to XXXX between XXXX an XXXX, XXXX, I assumed XXXX was responsible for the final payment. 
While trying to resolve the last payment, I found that Comenity never requested a {$180.00} payment in XX/XX/XXXX. 
Furthermore, because of late fees and a XX/XX/XXXX bill, Comenity charged me over {$1500.00} for Finance and Other charges. 
I never anticipated any late payments by XXXX. 
On XX/XX/XXXX during a three-way call with Comenity, XXXX and myself, I authorized another payment of {$350.00} per Comenity 's request.

Currently, after many phone calls and letters, neither bank claims responsibility for late fees.

Comenity keeps sending bills and my credit rating has gone from Excellent to XXXX XXXX XXXX XXXX XXXX, I can not afford these charges I need some explanation or help with this situation
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The DeGrasse Law Firm, P.C. (TX)

I received a letter from an Attorney on behalf of XXXX XXXX. That is clearly a violation of 15 USC 1692e ( 3 ).

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This is just going to far and XXXX XXXX is becoming a nuisance. I will be filing for default judgement soon as I have all the evidence. Also XXXX XXXX statedbthey would have XXXX attempt to help collect the debt below. That is also another violation of 15 Usc 1692e ( 14 ) ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Also XXXX XXXX keeps saying they have validated the debt. All they did was send statements, that is not proper debt validation pursuant to 15 USC 1692g and they never mentioned who the original creditor is which was the consumer.

Pursuant to 15 USC 1611 & 15 USC 1640, XXXX XXXX has civil liabilities and can be held criminally liable. 

XXXX XXXX has now incurred over 20 various violations and now this case is now eligible for district court. Will be in contact with the US AG XXXX XXXX.
Consumer complaint received 2018-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I have been penalized by PayPal after an error occurred during online transaction between PayPal and XXXX that prevented the transaction from completing. XXXX & XXXX was force to cancel the order and refund me the {$520.00} dollars. However, once the cancellation executed, Paypal released and processed the transaction taking the {$520.00} from my checking account even though XXXX & XXXX had cancelled the order. Paypal has applied a " pending '' credit to my account but has been holding my money for over 3 days. The transaction took place on XX/XX/XXXX, the cancellation was XX/XX/XXXX, the Paypal debt took place XX/XX/XXXX, my bank processed the withdrawal on XX/XX/XXXX. I was told that the funds were being held because my bank had not processed the transaction. I was able to prove that the bank had cleared the transaction. However the Paypal contact said that even though they had gotten the money from me, they could not release my credit because the system was automated and could not be changed to free up the money sooner. I am still our {$520.00} and I have no products from XXXX & XXXX. All I got was a call explaining that it was too bad, but nothing could be done.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Universal Fidelity LP (FL)

Twice already in 60 days this collection agency sent me a letter about an alleged debt that I owe. Twice already in 60 days I've asked this collection agency for verification of this alleged debt. Twice already I've given this collection agency the 30 days permitted by law to provide me with verification of the alleged debt. This collection agency has now had 60 days to provide me with verification of the alleged debt. This collection agency failed to do so. This collection agency continue to harass me with collection letters.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Equifax is reporting a medical debt I do not owe. " NON REPORTED '' debt. This debt is not mine and it is also past the statute in CA. This account needs to be removed off of my credit file.
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc. (VA)

Results Unlimited Inc. LLC has been harassing me since Ive contacted them about a letter I received. On XX/XX/2019 I received a letter from them stating that I owed them a debt from XXXX XXXX in the amount of {$2300.00}. This amount is news to me being that when I called the apartments they have no file on my stay there so where this amount came from isnt proven. I have then on the same day received another letter from them stating a complete different amount. The amount in this letter was {$2400.00}. Again this was the first time I heard of this. Last I spoke to someone from this company was on XX/XX/2019 and was told that if the debt wasnt collected that they could start garnishing my paychecks on top of taking my taxes. And after speaking to them and not coming to a conclusion, I will now make an effort to file a civil suit.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLD KEY CREDIT, INC. (LA)

Noticed a negative report on my credit report for {$570.00} says XX/XX/2018 then says account account is 1 year 4 months old claims to be a medical debt but I have never heard of this company or had any medical debt. Company is goldkey credit out of Florida.