davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Transunion, XXXX, and XXXX  This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either you or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

Please note there are several errors on my credit report. 
1. I have never lived at XXXX XXXX XXXX, XXXX, CA XXXX ( please remove ) 2. I have no previous address of XXXX  XXXX  XXXX, XXXX, CA XXXX ( please remove ) 3. I have never lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Please remove ) 4. I have never worked for SSA ( please remove ) 5. XXXX XXXX XXXX has consistently reported incorrect information. The date of last payment was not XX/XX/XXXX. This is an attempt to keep a debt on my credit report for longer than 7 years. ( Please remove ) I officially dispute this debt in its entirety. 
6. XXXX XXXX I am disputing this debt in its entirety. 
7. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 8. XXXX XXXX : ( I dispute this debt it its entirety, please remove ) 9. Please remove phone numbers that I do not recognize and were not my telephone numbers. 
a. XXXX b. XXXX c. XXXX d. XXXX e. XXXX f. XXXX g. XXXX h. XXXX i. XXXX j. XXXX Thank you, XXXX XXXX
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a checking account with Capital one bank for 4 years. On XXXX/XXXX/2016 I made XXXX pay check deposit totaling {$2200.00} into my account through ATM in XXXX. I had a temporary job in XXXX from XXXX to XXXX, there 's no Capital One bank there, so I brought it back to XXXX and make a deposit. Later on I found my bank account was been blocked, I went to the branch, and was told those checks were fake and they closed my bank account. Then I asked my boss, he has banking with XXXX, but those money was already debit from his business account in XXXX/XXXX/2016. I came back to the branch, and shown them my paystub and my boss 's bank transaction picture, but they even did n't look at, they insist hose check was counterfeit but refused give me any letter which I could forward to my boss. My co-worker also made their pay check deposit to their bank, but none of them got problem. My boss ca n't issue me another checks, cause he said his money was already take out from his account. Until now, I did n't get any letter or phone call regarding this matter. I just do n't know, where 's my money, and what reason cause this problem? What should I do?
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (IN)

Netspend I purchased a card at XXXX which I had to give my I'd for them to scan now if I wasn't allowed to be a netspend customer why would they sell me a card and allow me to load my only money to it XXXX . I'm being punished twice cause my car was stolen and my previous card was used I disputed the transactions and of course the XXXX $ transaction they found error but the two {$1000.00} dollar ones in same day at same location was no error ... funny right well after all that I purchased a card and they won't let me get my money back I got kids to feed I'm already late in bills cause of previous situation I tried to get refund at store card is not activated they won't transfer to my wife 's account with them or XXXX XXXX it to me which I know is possiable cause XXXX XXXX a net spend supervisors told me she could on dispute if they found error please help me I'm bout to get eviction and I need to feed my kids XXXX
Consumer complaint received 2021-06-15
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. (NC)

I sent XXXX, XXXX, and Transunion a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. XXXX, Transunion, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-06-15
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. (NC)

I sent Equifax, XXXX, and XXXX  a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. Equifax, XXXX, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CO)

For months now I get multiple calls a day from " CBE Group ''. They never leave a message. I do not have any outstanding debt and nothing shows on my credit report. 
When I XXXX  CBE Group I see countless reports that it is a scam company so I never answer the call. I always block the number but they just continue to call with a different one. I've never received any notice from anyone stating I owe money. Today I got my first text from them asking me to call.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal put an hold on my account and money and telling me I can't use PayPal anymore. I have not been able to get help from them for months. They put an 180 day hold on my account after transactions was reported on XX/XX/XXXX. I've resolved the situation by sending the transaction back but that didn't fix the issue. I tried to call PayPal towards the end of XXXX to resolve the situation and they said that the earliest they can allow me to withdraw the money was XX/XX/XXXX and told me to give them a call back on that day. I called on XX/XX/XXXX and they told me to wait 72 hours before withdrawing the money out. I waited 3 days and tried to withdraw the money on XX/XX/XXXX and it didn't work so I called back and explained and they told me there was an new limitation added to my account and that there was no way that I can withdraw the money and that they believe that I was given false information and they also told me they didn't know when I will be able to withdraw the money. I don't understand my they but a limitation on my account. 
My email that is linked to PayPal is XXXX XXXX
Consumer complaint received 2021-06-14
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: The CMI Group, Inc. (TX)

I've submitted letters of validation under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I haven't received confirmation with my signature. Stating this debt actually belongs to me.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I found the balance in the car loan was not accurate after I attended XXXX XXXX a financial meeting to check my credit. Debt validation letter was sent on XX/XX/2019 by certified mail. They just respond XX/XX/XXXX requesting additional information, after that I called to provide my personal information in XXXX and they said they will send all detail information about the balance in XXXX weeks or so. No response was received then call was done in XX/XX/XXXX and XX/XX/XXXX and spoke with different representatives that said they will verify the status of my request, call me back and send the paper work by mail, but no response or call has been received so far.
Consumer complaint received 2022-07-07
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)

Wanted to get New Truck I ask them not to run my credit before anything and they would run my credit once they ran my credit few to many times, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, 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
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Issues with XXXX and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the TransUnion. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. 
I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from XXXX, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted TransUnion directly and was advised that if the furnisher does not the information then they put X because they can not verified. 
Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022 I attempted to investigate information being reported to my TransUnion credit file. TransUnion has blocked my access in retaliation for filing a complaint against them. TransUnion has continuously ignored the Statutes of the FCRA and has caused my irreversible damage and has intentionally acted with malice in the deprivation of my character. I have suffered financial hardship for XXXX plus years because of TransUnion.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-05-04
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: Experian Information Solutions Inc. (CT)

To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2017-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

Applied onlin e at AdvanceAmerica   XXXX / XXXX / 2017  Approved - ema il stated Voice call w ould be necessary to complete transaction Did not accept voice calls Received Email stating Funds were to be deposited on  XXXX / XXXX / 2017  Funds NOT deposited however I still maintain an outstanding bill Emailed company back - have had no response, yet account still shows open ( simple call to be the bank and they could verify funds WERE NOT deposited )
Consumer complaint received 2022-07-07
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Someone else is using my email address that Ive had for over 20 years. 
XXXX Her name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX This is the information that shows up on my credit report, and the reason I can no longer access my email address. I have previously had my identity stolen and I would like to get this situation rectified ASAP I can be contacted at XXXX Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received a call from Bank of America today that the deposit on hold on XX/XX/XXXX was to be reversed. The fund was deposited XX/XX/XXXX / XXXX. On XX/XX/XXXX, the bank put a hold on these funds and was told they are investigating. I made many inquiries several times during last 5 months and each time I call, I get different information and different person. Someone called this morning after 5 months telling that was a fraudulent fund. It was deposited as a bill pay. The deposit was made from XXXX XXXX and it was cleared from my end. I have made a business transaction overseas and this was the payment. The transaction was made based on the confirmation of the payment from Bank of America. I am at a loss of {$3000.00} and they would not disclose any information regarding this investigation. If this I fact a fraudulent activity, it should be XXXX XXXX to verify if deposit was legit or not before making the deposit so they should be responsible. Bank of America did not protect their consumer and I am at a complete loss of {$3000.00}. I hope this wont happened to other people!! They failed to protect their client with the fund already in the account for 4 days and reversed. Please advice. 
Thank you XXXX XXXX