davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DE)

experian credit, i have a fraud alert on my report and no phone number for vendors to call me to verify my application. My credit is been hard hit by XXXX 2 times on the XXXX and XX/XX/XXXX because of this, today XX/XX/XXXX i tried to open a bank account and same problems. 

From XXXX i call them and they said i have to fill out form online, they online process do no work, i had to print it and mail which i did on XXXX up to now its not done, i have called then XXXX times in the last XXXX week and still the problem not fix.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}
Consumer complaint received 2023-04-09
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. (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  and XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-09
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. (CA)

USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person knows or has Reasonable Cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I have been scammed through XXXX XXXX XX/XX/XXXX. I was selling a laptop for a {$1000.00} and a person called XXXX XXXX, in XXXX, approached to me asking for the computer. The purchaser offered {$1000.00} for the laptop plus another {$100.00} for one-day shipping. I accepted the offer, and he/she asked me to provide my PayPal account. I sent a direct link to my PayPal account, so the payment could be made. The buyer then requested my email address to send the payment, stating that the link I provided did not work. I gave my email address. After that, I got an email supposedly from PayPal saying that the payment was made, but it was going to be on hold until I shipped the computer and provided the tracking number and copy of the receipts. I shipped the laptop the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ), and sent the tracking number ( XXXX ) and the receipts. Then, I got another " PayPal '' email requesting me to wait XX/XX/XXXX hours for the payment to be credited into my PayPal account. On the next day, I received another " PayPal '' email claiming that the payment exceeded the amount of money my PayPal account was allowed to receive, and to upgrade it to a Business account so the payment could be credited into my account. It also said that the purchaser had to pay an extra amount of {$600.00} to reactivate and complete the transaction, and that I would be rewarded with another extra {$100.00} as a compensation fee for holding the funds. After I upgraded my profile and the purchaser supposedly made the extra payment, I received another email alleging that I needed to refund the extra money paid by the buyer in the form of gift cards, and to submit the activation codes and the receipts, before the payment could be credited into my account. I accepted, bought 6 XXXX gift cards, and sent the activation codes with the receipts. Below are the XXXX gift card activation numbers : XXXX XXXX XXXX XXXX XXXX XXXX After that, I received another email requesting me to wait another XX/XX/XXXX hours to check the legitimacy of the gift cards. On the next day, I received another email claiming another problem with my account, saying that the buyer had to pay another extra {$800.00}, and requesting me to make another refund when in reality I have not gotten paid yet, and the buyer reported that he/she already got the laptop. I asked my family members and discovered I was scammed. I have no pending transactions in my PayPal account. Please help.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received a call from my Human resource officer, that I need to call XXXX XXXX XXXX XXXX XXXX, regarding a summons. I called them and they said that I owed a debt from, XXXX, their words, not mine. I then asked for proof of the owed debt, the gentleman named XXXX, then told me that I would be served at my work. I then asked him to serve me at my home address and he refused, and threatened me saying that I would be served at work. He then told me all of my personal information like my SSN, DOB, and wife 's name. Almost like he was trying to claim he had too much information on me, so that I would comply. He then threatened to call my wife 's work and serve her with a summons.
Consumer complaint received 2022-12-02
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

Equifax was submitted information and court documents involving XXXX XXXX XXXX fraudulent claim of debt owed to the XXXX XXXX XXXX in the amount of {$7600.00}. When contacted on results of the dispute Equifax verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. Equifax then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX XXXX XXXX was in litigation with me over the matter and on XX/XX/ I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

Stopped receiving my monthly statements 4 months ago. Contacted AMX 12 times during that period complaining and was told my account was being placed on hold and no payment was required until they could resolve this issue. Account was then closed and reported as late and closed to the bureaus. Disputed this status and was told there was nothing that can be done.
Consumer complaint received 2019-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (WA)

I received a zero-interest loan due to the federal shutdown in XXXX of 2019. To get this loan, I had to switch my Banks, transfer all my automated withdrawals, etc. Some few kept slipping through the cracks, reopening my account and the bank charging interest on credit they forwarded to my account. This has happened every month since XXXX, and every month I have called BBVA to fix this and every month I have been assured my account is closed and nothing can reopen it.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

Company : XXXX XXXX XXXX I cancelled service in XXXX of XXXX for internet service. I spoke to someone that sounded foreign. They said they would cancel. I was contacted 6 months later saying my service was turned back on. I called and told them to cancel it. They sent an email stating my service was cancelled as of XX/XX/2022. I was contacted by a debt collector saying I owed XXXX to this company for services I never used. I cancelled this service in XX/XX/2022 because I never used it.
Consumer complaint received 2023-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have spoken with XXXX from the Executive Office and he was able to offer a solution for the mishandling of the 3 accounts and reimbursed for all international transactions as here investigated and deemed all fraudulent that were made on all XXXX of my credit card accounts. I have been reimbursed for two accounts, not this one. I am missing credit balance of {$3900.00} as these were omitted from the original fraud claim by your staff in addition to the international fraud transactions of {$3400.00} The reimbursement for {$200.00} was received several months ago was prior to the re-investigation and prior to the reinvestigation process by the executive team and is incorrect.
Consumer complaint received 2022-12-02
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (OR)

XXXX XXXX offered that we can cancel the policy at XXXX cost when I bought the policy on XX/XX/. I paid them in full. I called the XXXX XXXX customer service about cancelling the policy. They hold some of the money and refunded the amount. I make sure that My balance was showing nothing. I have relocated and I did not receive any credit collections by that time. On one day I received the collections letter from CSS. So, I filed a complaint with CFPB on XXXX  because in was unaware of this. Complaint number XXXX XXXX XXXX, and Credit Collections XXXX had responded back on XXXX that they would put the account on hold for till I receive the documents. I have conversations with XXXX XXXX  about the Policy. XXXX XXXX claimed it was not there on their systems. Finally, they were able to Get the Information and I received mail on XX/XX/ with updated address on the cover and little folded paper of XXXX XXXX folded inside. The Date and address on the XXXX XXXX copy are different. I was not comfortable with their threatening calls. and they were wasting my time. XXXX XXXX and CSS agreed to Remove this collection if I pay it. I did not want to move forward and paid it off on XXXX
Consumer complaint received 2021-07-22
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. (FL)

This debt does not belong to me ... XXXX XXXX  XXXX along with the credit reporting agencies are violating my rights as a consumer by furnishing information that is a result of identity theft.
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

I personally called person hung up when i asked to pay debt in full person stated no we do not do that or make any deals just pay and you will see if debt is removed from credit. I asked if I could get a reciept the person said no just pay and you will see then if it will happen. Then I said ok so Ill just pay you and no record of my money is paid and the person said yes just trust us. I said no I am not doing that and then the person hung up and before that saying I am hanging on you you just pay or go away. What a non professional scam company. Please help cfpb want to settle this and this company is a scam never been to hospital.
Consumer complaint received 2023-01-13
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: Lendmark Financial Services (MD)

In accordance with the Fair Credit Reporting Act XXXX  account : Lendmark Financial Services XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.
Consumer complaint received 2024-03-06
Product: Credit reporting 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)

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


Account name : 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  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CT)

I purchase a 2013 used XXXX XXXX at XXXX XXXX, in XXXX, Connecticut. 
It was advertise for {$16000.00} and no where did it stated that the sale was as is. 
I gave them {$10000.00} in cash and needed {$6000.00}, so they set it up with Santander Consumer USA because my credit is not perfect. 
After a few months of owning the vehicles I took it for a service call because the service warning came on ; and I had been driving the vehicle less than 5 months. 
I was then told that there was a " Steering Wheel '' re-call which XXXX XXXX had not even taken care of before they sold me the vehicle. 
Thank, God that i was not involved in an accident for my grandchildren had been with me a few times in the vehicle. 
A few weeks ago I received the surprise of my life when I called and spoke to one of their representatives at Santander Consumer USA, and the young lady who was assisting me stated that I still owe {$31000.00} on my loan. I asked that she explain how Santander Consumer USA arrive at that balance and she could not explain it to me, I got so frustrated that I got the conversation short and hung up. 
I am still trying to figure out : How does a {$6000.00} loan end up at over {$31000.00} balance still owe? 
In advance thank you for any assistance that you can give me.