davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

Reference CFPB case Number : XXXX and XXXX Ally Bank was notified and received my correspondence requesting validation of a illegitimate debt they hold in my name on XX/XX/2021, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. They never sent me anything proving that I had any contractual obligation with them for any debt. They never provided a signed agreement between them and I proving that they have are the holder in due course or that we have any contractual agreement together. 
I never nor did XXXX XXXX receive any Loan from Ally Bank. All that was provided to me was a Retail Installment Contract showing a credit sale between myself, XXXX XXXX and XXXX XXXX XXXX I am the holder of the title of my vehicle with no security leins or judgments.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WSFS FINANCIAL CORPORATION (NJ)

Dear CFPB, Attached please find : 1-Notice to Debtor letter from XXXX Courts naming WILMINGTON SAVINGS BANK, FSB, ( WSFS ) as the creditor, 2-XX/XX/2020 letter from WSFS advising that it a trustee for the XXXX XXXX XXXX XXXX 

3- CERTIFIED COPY of XXXX County , NJ Deed Instrument # XXXX. 

On the NJ State Government document -Seller 's Residency Certification Exemption- included in the deed, WSFS, not in its capacity but solely as TRUSTEE for the XXXXXXXXXXXX XXXX XXXX XXXX checked off box # 5 which certifies that " Seller is not an individual, estate or trust and is not required to make an estimated gross income tax payment ''. 

We demand that WSFS dismiss the case they filed in XXXX Courts pursuant to their admission that they are not the creditor and that XXXXXXXX XXXX XXXX XXXX is not a trust. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2022-07-08
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC (IL)

I got financed through XXXX XXXX Byrider XX/XX/2017 and I am paying way to much. I'm paying almost XXXX for a XX/XX/2005 XXXX XXXX. Its confusing because none of the number match up, like the trade value, i did not put XXXX on a trade in. They charged me a reconditioning fee and didnt recondition it. Everything seems fraudulent
Consumer complaint received 2022-07-26
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. (DE)

Upon reviewing my credit report, I found out that there is erroneous account that is still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed account, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following item : Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc. (GA)

I submitted documentation to the credit bureau regarding the resolution of this account with collection agency ; XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX VISA Acct # XXXX. I received a notice on XX/XX/2021 stating that the account was sold to them ; Total Card, INC listing the same account number that was paid with XXXX XXXX XXXX under- The XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX # XXXX. I contact this agency and was informed that they sold it to XXXX XXXX XXXX, which when I call the number that was given to me XXXX no one ever answers the phone and no one ever calls back. This account has been paid.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Consumer complaint received 2022-07-26
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. (GA)

My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KS)

I have sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on my credit report.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to remove the late, closed, and charge-off accounts from my credit report. Despite multiple requests and efforts on my part, these negative entries continue to adversely affect my creditworthiness and financial standing. 

As a responsible consumer, I have taken proactive measures to address and rectify any past financial discrepancies. I have diligently worked with your organization to resolve these issues and have complied with all necessary procedures and requirements. However, it is disheartening to see that these efforts have not yielded the desired results. 

The persistence of late, closed, and charge-off accounts on my credit report not only undermines my credibility but also hinders my ability to access essential financial services and opportunities. These inaccurate entries paint an inaccurate picture of my creditworthiness and financial responsibility, which is unacceptable. 

I demand immediate action to rectify this situation and ensure the accurate reporting of my credit history. I expect your organization to conduct a thorough review of my account and take the necessary steps to remove the erroneous entries promptly. Additionally, I request confirmation of the removal of these accounts and the updating of my credit report accordingly. 

Furthermore, I seek an explanation for the recurring nature of this issue and assurances that similar errors will not occur in the future. It is imperative that your organization implements robust measures to prevent the reoccurrence of such discrepancies and upholds the highest standards of accuracy and integrity in credit reporting. 

Please treat this letter as a formal complaint and escalate the matter to the relevant authorities within your organization for immediate resolution. I expect timely communication regarding the progress of this issue and confirmation of its resolution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX  Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2018-11-24
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. (TX)

The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action
Consumer complaint received 2018-11-25
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. (NC)

I received a collection from XXXX XXXX on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX. I am XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Consumer complaint received 2021-07-12
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. (PA)

I sent a dispute letter to TransUnion for hard inquiries on my credit report that I do not recognize nor did I give these companies permission to pull my credit. Its been over 45 days and still no response
Consumer complaint received 2023-03-26
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. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My n ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.
Consumer complaint received 2018-11-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

I was receiving calls from other company about PMI on my mortgage I contact Chase about this. I was informed that it was on my loan but I was told it would come off in XX/XX/2018. I was later told that it was not on the notes however, calls are documented I asked the representative to review the notes and I requested to be transferred to a supervisor. I continue to get bad information from Chase they called me back and they gave me bad information. They have made several mistakes on my loan and forgot to include a second mortgage which you can inquire about and after this interaction, I requested no calls from them. They continued anyway. I called in XXXX to remind them on no calls when I made my payment. Now it is XXXX and I do not have access which I wanted to know why and they have sold only my active first mortgage to another lender.
Consumer complaint received 2023-03-26
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. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2018-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc. (NC)

I received a collection from healthcare receivables on my report. I have never heard from them. No contact. No 30 day letter to respond. Nothing. This is not mine. My husband went to hospital not me. He is XXXX XXXX. I am XXXX XXXX. How can this be mine. I would not like proof. Not a bill. But proof it is mine. My name has been changed to XXXX XXXX XXXX recently. Thats when I received this ding to my report. It is my culture to take my husband name. These people must send me a letter to ask if it is mine. I got nothing in my name.
Consumer complaint received 2018-11-24
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: Navient Solutions, LLC. (TX)

The company has placed multiple delinquent notices on my credit causing emotional distress. They also started to garnish my wages and continue to Harass me with phone calls I have documented all phone calls and letters they have sent regarding garnishment and money owed. I have informed the company that if they do not delete the accounts from my credit I will be taking legal action
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I have received an email from Venmo that I am trying to make a transfer. 
I didn't not try to initiate this transfer so I reached out to Venmo via their chat option right away. 
I was told by the rep that there was no suspicious activity on my account and that they will freeze my account for safety and not to worry. 
However, while we were engaged in this chat, someone added another bank account to my Venmo account and made XXXX transaction for about {$600.00} each. They took all the money I had stored on my account at the time. 
The rep then told me that they will freeze my account again? And that I shouldn't worry and everything will be resolved within 10 days. 

Starting on this day I have been getting around XXXX fraudulent emails from different " government '' organizations asking me to contact them. Needless to say I have been deleting these. 

In 10 days I reached out to Venmo only to be told that I should be getting the resolution " today or tomorrow. '' I haven't heard from them. 

In 2 days after that, I reached out to them again only to hear the same promise, " today or tomorrow at the latest. '' In another 2 days, I reached out again and heard the same response. I requested for my case to be escalated. 

Then, a manger reached out to me via the email to inform me that the problem will be solved 10 days from the fraudulent event. I had to remind them that by that point it had been over XXXX weeks. 

The manager responded that they have no access to my file and they have no information on when it will be resolved. They said that my account was being " investigated. '' Which is completely valid but while they are performing this investigation they are also withholding the money that is not theirs to have. 

I have not heard anything from Venmo since then. Today on XX/XX/XXXX I started getting text messages on my phone from Venmo stating that I am trying to make a transaction for {$500.00} .... I believe this is fraud again and I am unable to reach Venmo. 

In 3 days it will be exactly 1 month since this fraud took place. My account is still under attacks, I don't know if these cyber hackers have been able to obtain my personal data from Venmo, and Venmo has been irresponsive to my attempts to communicate. 

Is this legal for them to break their own policy? Isn't it a crime to withhold their customers money like that on top of not protecting my personal data and not issuing a reimbursement in a timely manner according to their own guidelines? 

I have all my communication with Venmo documented through copies of messages they always issue after the chat communicating is complete. 

This is the request number with Venmo # XXXX And these are the people that have been making false statements in regards to the timing on when my case will be resolved XXXX XXXX Venmo Support and XXXX XXXX | Venmo Purchase Support Thank you for your assistance.