davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Consumer complaint received 2022-08-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastpoint Recovery Group, Inc (CA)

On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.
Consumer complaint received 2022-02-24
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. (TX)

Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the bureaus.
Consumer complaint received 2022-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP (MI)

On XX/XX/XXXX i received a alert on my experian credit monitoring account notifying me of a alleged collection account from Congress Collection. I have never done any business with this creditor, i have not consented or authorized for this fraudulent invalidated information to be furnished on my consumer report. I have never signed any contract with this creditor. I have never authorized or given permission for this alleged creditor to furnish or house any of my personal/private information. I have never received any notice from this creditor before it was reported to my comsumer report, I have no knowledge of this alleged debt. On XX/XX/XXXX I sent in paperwork requesting validation of this alleged debt and cease & desist correspondence if the alleged debt can not be verified and validated per FCRA requirements. I have yet to receive any of the proper paperwork, I spoke with XXXX XX/XX/XXXX at approximately XXXX expressing that they were still illegally reporting to my consumer report without verifiable validation information I requested. I notified XXXX to please cease and desist any and all communication If they can not verify or validate this alleged account is indeed mine. Without proper paperwork i can not be sure that this alleged debt is mine. XXXX acknowledged receiving my request and stated even without the required paperwork or information to validate this account is indeed mine she still was allowed to have my personal information and report it to my consumer report without my consent. I know that not to be true and they are breaking the law! I feel I have no other choice but to file this complaint with the CFPB because this company is breaking the law and trying to coerce me into payment of a invalidated alleged account thats causing great harm to my credit file! Please help! FCRA violations will be notated!
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NJ)

I opened the MyChoice Plus Checking '' account on XX/XX/2022 at M & T bank from a promo page XXXX XXXX XXXX 
To receive a {$250.00} bonus I had to make qualifying direct deposits totaling at least {$500.00} within 90 days of account opening. 

The promo page was found in google- it was at the top of a search by mtb bank promo keywords. 
When I clicked Redeem Online '' on the page it asked me to fill my zip into the form with the message Enter your ZIP Code so we can connect you with special offers. Once I filled my zip ( XXXX ) it displayed Good news! A cash bonus promotion is available in your area, successfully passed me through, and applied the promo code ( TC ) to the account application. When I input all the required information the account was opened. 

I got my {$500.00} paycheck ( as a direct deposit ) on XX/XX/2022 - well under the 90 days promo deadline. 
According to the promo terms, the bonus had to be credited to the account within 90 days of all requirements being met. 
It didnt happen - Ive never received that bonus. 

When I contacted the bank representative ( via secure messages ) they replied that Im not eligible for that promo as my state ( New Jersey ) was out of the promo area. 

My concern is that the promo area was not defined anywhere- neither on the promo page nor during the application. I stored corresponding screenshots and can share them as proof. 

Moreover, the fact that the page asked me to fill my zip code at the beginning with Enter your ZIP Code so we can connect you with special offers text and then successfully proceed to the application with A cash bonus promotion is available in your area tells me that my zip was validated and approved by the system for the promo. 

And one more thing - right now, if you open that promo page ( there is a {$200.00} promo available now ) and enter my zip ( XXXX ) it returns Sorry, but this offer isnt available in your area - clear enough. 
If my zip was not eligible for the promo I wish I received the same message. But it was the fully opposite experience. 

I consider the situation above as false advertising and insist that I fulfilled all promo requirements and never received information that my zip is out of the promo area. Therefore I believe the bank has to fulfill the agreement and credit me that {$250.00} bonus.
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The companies I'm complaining about is CapitalOne and, probably to a greater extent, Visa. 

I made a large payment to furniture company named XXXX and XXXX In XX/XX/2021 for a chaise longue to be custom built and delivered. The chaise was set to be delivered at a time frame of roughly 16 weeks, with the rest of the payment sent at different stages throughout the process ( starting, completion and shipping, delivery ). 

As the weeks ticked on, I was informed about more and more delays. Eventually, a year passed and the company stopped responding. It turns out they'd gone bankrupt. 

I made every attempt to contact XXXX & XXXX, to no avail. Okay, I get it. Companies go bankrupt. 

My complaint is not about XXXX and XXXX, and here 's where it gets good. 

I called CapitalOne- the provider of the credit card that I used - informing them of the situation and asking if I had a case to dispute. I was informed by the representative that yes, since the merchant effectively welched on their contract that I did have a case. I was sent a very generic form and asked to send the form in. 

One month later, the dispute was denied. 

I called CapitalOne to ask why the dispute was denied - after a polite but intensely tedious run with three customer service agents, I finally made it to a manager who informed me that 'my documents had been sent off to Visa and had been denied, ' with the clause 'you only had 60 days from the statement date of the charge to file a dispute. It's past the 60 days. ' No matter how much I asked this final customer service rep, that was their final answer. 

XXXX reader, if you're paying attention, this illustrates an exploit of our financial system : Step 1 : open a company Step 2 : promise consumers a lovely product, to be delivered in 61 days from payment date. Only accept payment via Visa.

Step 3 : at 61 days, close the company, take the money, and run.

Step 4 : You win! Visa will not come after you or your bank, because you're protected by their 60 day guarantee! 

Visa appears to be saying to the world 'we protect criminals, scammers, and fraudulent merchants. All they have to do is set a delivery date past 60 days. '
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (TX)

Reference to previous complaint XXXX The response to CFPB complaint # XXXX did not include the correction requested for XX/XX/2021 payment made to XXXX XXXX servicer. If Fay servicing LLC corrects that mistake, then the second payment made on XX/XX/XXXX in the amount of {$1500.00} goes towards the principal amount. This reduces the principal amount as well as interest on the remaining principal. It is my humble request to Fay Servicing to look at the complete payment history from XXXX and fix the transactions with Fay Servicing LLC ASAP. I expect the recalculation after fixing the transaction and a refund. 

It is my humble request to assign the complaint to a competent expert to look at the complete payment history of XXXX XXXX and Fay Servicing and explain every transaction in depth while responding Thanks!
Consumer complaint received 2019-06-30
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)

False information on my credit report : Accounts 1. XXXX : {$1000.00} on XX/XX/XXXX Inquiries 1. XXXX XXXX : XX/XX/XXXX 2. XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2024-03-07
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

Discover sent me a random email on XX/XX/2022 saying they had closed my account after performing a random credit check on me. I have never been late with Discover or any other credit card company for that matter. I have a 700+ credit score. They are hurting my credit and giving me no recourse. I didn't even have a balance with them. Now I have a closed account on my credit report which reduces my score and gives me a lower credit history average. In my eyes this is predatory. I have always payed Discover on time and now they just drop me. They invited me to apply in the first place and take advantage of their APR offer. Seems to me they dropped me because I haven't used their card recently and they want to allocate that credit elsewhere. Apparently they haven't made enough money off me.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (FL)

under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2019-06-30
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. (NY)

I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  {$1100.00} on XX/XX/XXXX 4.  XXXX XXXX  - {$4100.00} on XX/XX/XXXX
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (IL)

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Consumer complaint received 2022-08-27
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. (IL)

In accordance with the fair credit reporting act - XXXX XXXX XXXX XXXX XXXX XXXX county- 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 a account without my writing instructions
Consumer complaint received 2023-07-01
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. (PA)

To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-24
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. (NY)

I've sent the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My XXXX and Experian credit score dropped XXXX to XXXX points without proper explanation. The information given on my credit scoring is conflicting information. I disputed my credit report on XX/XX/2022 and XXXX closed the dispute on XX/XX/2022. Wow they really did a thorough investigation in less than 24 hours? I have submitted several complaints about the discrimination and violations in which I have received from XXXX per my credit report. I will be also making another complaint to the FTC. Its time to seek legal actions.
Consumer complaint received 2022-08-27
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. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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. 
XXXX
Consumer complaint received 2022-08-27
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. (MI)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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. 
XXXX
Consumer complaint received 2022-02-24
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've sent the following to all credit bureaus A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I had my credit pulled for home loan application in XX/XX/XXXX. I was told there was a judgement listed from Portfolio Recovery  Associates ( PRA ). I called PRA and initiallyPRA said I did n't have an account with them, It turned out that it was my ex husband 's ( XXXX XXXX ) account, but I was listed in judgement ( XX/XX/XXXX community property law ). I asked how much the debt was and if I could negotiate something. PRA told me they could n't speak to me about it because it was n't my account. Finally, I was transferred to XXXX XXXX who negotiated a settlement with me. She told me that the total owed was about {$8000.00} with fees and such. I settled it for {$4000.00}. Two payments of  {$2000.00} each, XXXX told me to call a week after the last payment and PRA would send me the Satisfaction of Judgement Document. I called a week after last payment, was on phone for 20 minutes, PRA refused to talk to me because it was my ex husbands account and not mine. I called about 4 times in a week. Finally, PRA would speak to me and each time I was told something different. I never received SOJ and I later found out from the courthouse in XX/XX/XXXX that the judgement had expired and was n't even valid anymore.
I feel that PRA collected on false pretense and the agreement I entered into was for the judgment against me, ( which didnt exist at the time ). The account was never mine. I to this day never received a SOJ. I am extremely frustrated are hoping that you can help.
I never knew about judgement because my ex was served and not me. We lived in XX/XX/XXXX during judgement service, XXXX. I just paid this in XXXX, I currently live in XXXX
Consumer complaint received 2022-08-27
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-27
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

XXXX XXXX and XXXX XXXX scammed me out of money. I have attached the dates and the amount of money sent to them. They refused to pay me back once I realized it was a scam. They promised me several times to refund all money sent but I never received anything. They blocked me and stopped communicating with me. They failed to provide services I paid for. Also, they committed Fraud by Deception. They had a breached our oral contract.