davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (TN)

I was unaware that I owed a balance to XXXX XXXX XXXX. I was promised pay for delete for this account from XXXX XXXX and the supervisor XXXX. I paid {$10000.00}. They refused to email a receipt or letter of our approval. They continued to say because the calls were recorded that I didn't need it. I made this agreement with the collection company One Advantage LLC. It was paid in full on XX/XX/XXXX or XXXX. They agreed to remove this account from all 3 credit bureaus all they have done is updated the payment of the XXXX Now XXXX XXXX is saying that XXXX is on vacation until Monday even though she told me yesterday that she was going to have another supervisor to remove it and she was to call me back. She did not call me back when I called her back today she is giving me the run around and saying they will update. I need this corrected.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Palmar, Inc. (AR)

On XX/XX/2019 an XXXX from Jefferson and associates starting calling my hr manager at work in an attempt to collect a debt that was over 9 years old. I called the # and  extension left on voicemail to my hr manager where I was lied to about having to pay the time barred debt or legal action would be taken since I lived in a garnashble state. So I was forced to verbally agree a settlement which I then cancelled after learning my rights of FDCPA.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-21
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. (NY)

I sent the Transunion, and affidavit, cease and desist, exhibits, ID theft report, and a Invoice In XXXX, XXXX, and XX/XX/2021.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (AZ)

I have sent a copy of my police report detailing my whole purse was stolen and all items were in it. I am being charged more interest each month my credit card bill is going up although I have an active appeal and theres no new charges that have been made. I have been credited {$270.00} for XXXX charges XXXX I disputed as fraud in calling back daily to add charges they have forgot about even though on XX/XX/19 everything is listed in an e-message I have an outstanding $ XXXX charge and {$2700.00} charge for XXXX XXXX XXXX now told they are treating it as an appeal and not giving provisional credit although they left these two charges out months ago I Just got confirmation it was added to my claim in XXXX I pay my bill monthly interest a d all and this is just not fair to resolve this and I keep paying higher bills its my understanding during a dispute they wont charge all this interest its my understanding this is zero liability for fraud I love this bank my son husband all use it in a victim of identity theft and have had to deal with other companies to rectify charges get new identification etc by far this is the hardest and worst experience I have anxiety calling the bank now and am thinking about switching all my business from this bank as its not fair whats going on Im giving no time limit for resolution Im over credited for a transaction missed several other transaction its affecting me the amount of time Im spending on this
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (LA)

I've recently checked all 3 credit reports and have seen a new collection which was paid in full by XXXX XXXX XXXX which was my insurance provider at the time of visit. This bill is inaccurate and I wish that y'all would take the proper actions to resolve this matter and contact the 3 credit bureaus to fix the inaccuracy on the reports. This fraudulent debt is from XXXX this is XXXX. I don't understand if it was accurate why would they put this debt on my reports without notifying me. Fraud Please fix this issue.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Skrill USA, Inc. (NH)

My business opened up a new merchant account with XXXX XXXX, which was approved on XX/XX/2022. We were up and running with POS equipment for approximately a week when they canceled our account and sent us a notification that we needed to return the equipment. This was on XX/XX/2022. After inquiring for further information, they advised that our business was placed on the MATCH list, aka Terminated XXXX XXXX XXXX. Never having heard of this, we did some research and realized that there was nothing that we had done that would be a criteria for being placed on this list. They advised that their risk department, which is Paysafe, had flagged us and advised them to terminate our account. Paysafe advised that we were placed on this list by XXXX XXXX XXXX Bank, who advised it was not them, it was XXXX and gave me an email to contact them for further information, which was XXXX. After inquiring with them, they advised that my name personally ( I am a co-owner of the business ), has been flagged as a victim of Identity theft therefore putting our business on the MATCH list. I contacted all parties, XXXX XXXX and Paysafe to request them to investigate the situation more thoroughly as we were not the perpetrators and that XXXX advised they could contact them to confirm same. Paysafe has our money on a 180 day hold. The estimated amount of money that they are holding is {$6500.00}, but this is not verified as they have not confirmed the amount.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1581 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.
Consumer complaint received 2022-12-01
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. (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 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 2022-10-15
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. (NV)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-26
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: LEXISNEXIS (CT)

XXXX XXXX and lexis nexis hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALLIANCE FINANCIAL RESOURCES (AZ)

I started a mortgage refi with a company Alliance Home Loans. They told me that i am not to make my next month payment. we have never had missed a payment in 3 years. They failed to close the loan on time which now we cant re fi for 3 month and have damage or perfect payment history. And now we have to struggle to catch up. I feel that if they could n't close they should have let us know!!
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (OH)

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : " There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ". I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
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
Consumer complaint received 2022-12-01
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX / XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$50.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-01
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-01
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)

XXXX, XXXX, and Transunion are reporting late payments for account XXXX XXXX XXXXXXXX XXXX. I was never late on this account, and the information is inconsistent between the XXXX credit bureaus. They were notified twice to validate that this account is reporting accurately on my credit report, but they have failed to do so. I will attach a copy of my credit report to show the inconsistencies between all XXXX bureaus. I have tried to have this information corrected for over 2 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. My credit report also has a statement confirming that they've opened the dispute, but I have received nothing to validate this late payment in which I know I was never late. Saying that it was verified by the creditor is unacceptable. This is my credit ; my livelihood and I have the right to see sufficient documentation proving this to be accurate. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-07-21
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: Experian Information Solutions Inc. (TX)

Dear CFPB, I have sent in countless letters to Experian, XXXX, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. Experian, XXXX, and XXXX please delete the account before I seek litigation.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AK)

I never once received any documentation or notice of debt. I havent gotten phone calls which I appreciate not being bothered but Im finding out about something I dont believe I owe 5 years later from the XXXX XXXX. It is in regards to a rent recovery for some apartment in which I roomed with the lease holder. Yet all rent was payed. The name of the apartment complex was the XXXX and the debt Holder is called rent recovery yet they havent even provided me any documentation that I owe anything. XXXX  doesnt have me down for that address rightfully so and doesnt list the rent recovery. Just XXXX.
Consumer complaint received 2017-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (FL)

Purchased the vehicle XX/XX/XXXX. Subject : Vehicle Repossession My XXXX XXXX XXXX was repossessed on Friday, XX/XX/XXXX at approximately XXXX. However, under FL Statute 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. This was not done. I have never been notified and/or given the option to pay and/or retrieve personal property left in the car.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I Had wellsfargo accounts from the time I was XXXX years old to about I was XXXX years old. I believe I closed all of my WF accounts aobut 3-4 years ago. I kept noticing fee 's that were being charged to my checking and bill pay services that should have been free. I called and got some back, then month later I relized i was still being charged fee 's. They forced me to close my old accounts and reopen new ones to " Waive fees '', then I was still charged fee 's. I also had a credit card and savings with them, however i never looked much into those accounts but I do believe I did not catch all of the fee 's.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have 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 an 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.