davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (TX)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (MN)

I found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (MO)

Received phone call from someone claiming to be from " XXXX & XXXX XXXX XXXX and XXXX. '' The person stated I had a debt owed to US Bank for over {$2000.00} and liens had been placed against my home, bank accounts, and properties. I asked when the original debt was created, as I have filed bankruptcy and my debts were discharged in 2013. The person refused to answer. Then the person stated " Good luck in court '' and hung up. I called back to get further information and the same person answered but could not give me any details regarding the debt and insisted I would receive the information when I was served.
Consumer complaint received 2022-03-07
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. (PA)

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Consumer complaint received 2022-03-07
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. (TX)

XX/XX/2020 after attempting to set up an account through annual creditreport.com and through Trans Union directly, I was unable to set up an account. They sent me an email request for identity verification. I submitted to them my Social Security card, my passport, a utility bill and my drivers license photo. 

XX/XX/2020 I received an email from their fulfillment department stating that they had received my identification documents and they had been excepted. It said that the security lock had been removed from my account. They asked me to give it 5 to 10 minutes before logging back in. I attempted to login to view my credit report and it locked me out and said that I was using the wrong information. Such as user ID or password. 

XX/XX/2020 I was emailed and told that my login name reset was successful but I was unable to login with the new user name. 

XX/XX/2020 I was sent an email by Transunion that included a temporary password to login. Again I could not login using the temporary password either. 

XX/XX/2020 I was sent an email by Transunion that said my login information had been updated. I was not able to login. 

XX/XX/2020 I received an email from Transunion that said due to security reasons they were required to lock my account because it was set up fraudulently. They said their records indicated that at some point someone in the past or myself indicated to Trans Union that my account may have been set up an error. I myself never contacted Trans Union and said my account had been set up in error ever. They XXXX went on to say that this is something that may happen when a customer enters an incorrect Social Security number when they are attempting to set up their own account. They said that they placed a lock on my account because they were legally required to keep it locked and I would not be able to access my report through the website. However I was able to either requested by mail or by phone. These are the same options that I tried before and I tried them again after that letter/email and again, it took me through the same loop again unable to get my credit report
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One reported to the credit bureaus that I did make a late Payment on my account in XX/XX/2017. The credit bureaus have reported the payment history of XX/XX/2017 as a 30 day late payment. I spoke with the company today to resolve the matter and to dispute an inaccurate claim. Payments were MADE in XX/XX/2017 and Capital One needs to address its inaccurate reporting immediately from each credit bureaus.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (FL)

( Transworld systems I ) at ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) has been calling XXXX XXXX and I, in the amount of {$3600.00}. After we ask multiple times to stop calling we had to change our phone numbers XXXX times so we could stop receiving calls, now they find my new number and they call then hang up. I do not know this company. I have never done any Business with this company. This company does not have a contact with my signature or XXXX XXXX signature.
Consumer complaint received 2018-05-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NY)

This is the second complaint that I have made to the CFPB about Discover Student Loans and their refusal to work with my hardship. FOUR times in just the past month was I given the incorrect information on my account stating that I was past due when indeed I was not. I have tired tirelessly to reduce my monthly payment ... NOT DELAY OR CANCEL, but have gotten no help from discover. Therefore, I have decided to contact a NYS lawyer in hopes of filing a class action lawsuit against Discovers unfair collection process and lack of clear/consistent information.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Protection Association, L.P. (MD)

I submitted a payment for a past due comcast bill on XX/XX/2016 in response to a letter dated XX/XX/2016. The money was never deducted from my account. I contacted Credit Protection Association L.P. and advised the payment was not processed. There was an error with the account number entered. I submitted payment on that day XX/XX/2016 and was advised that the payment was processed and the account would be noted correctly. I was also advised that the account would not be reported to the any of the XXXX credit bureaus. A recent check of my credit reports show that account was reported after the payment was made.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes, Transunion has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX   XXXX never late XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 Bank of America declined a transaction, sending a text for fraud verification claiming that it was because I hadnt made a purchase from XXXX in a previous month, and that {$180.00} was a suspicious amount to spend. This policy was never announced or explained in writing. The transaction could not take place after the text verification ( time sensitive on product demand through online raffle ) and I lost the opportunity to purchase a product that now immediately resells for {$450.00}. I lost {$250.00} profit because BoA wouldnt even temporarily authorize a purchase I could pay twice over when I had not asked for a fraud alert or been involved in any fraud or lost card. They are protecting my account from only me allowing other BoA customers to make the same purchase claiming that its because XXXX ( ironically ) and other fraudulent activity at XXXX.
Consumer complaint received 2018-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

I am constantly hounded by Ocwen. Even though I am 2 months behind on my payments ( {$850.00} per month ) due to a XXXX, I shouldn't be receiving past due notices for 4000 to 5000 dollars. My escrow account is up to date.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY CREDIT SYSTEMS INC (TX)

I was attending XXXX XXXX University XX/XX/XXXX - XX/XX/XXXX, during that time I both received financial aid, as well as paid a portion out of pocket. Once I finished the term, I did not wish to return taking classes there. It was to my knowledge that I left in good standing, however, I later on received a notice in the mail saying I had an account that had been sent to collections from XXXX. When I called it was still very unclear why I had a balance because I was awarded the federal pell grant through financial aid for all terms that I attended. I never received documentation that I had a balance prior to the letter about sending my account to collections. I did move to a different apartment complex and did n't think to make XXXX aware because I was no longer attending classes there and was not notified I had an outstanding balance. When I called they told me I had a balance of {$630.00} and that now I had to wait for the collections agency to contact me. I later checked my credit report and XXXX report {$820.00} which is a different amount. I would like this to be deleted from my credit report one way or another.
Consumer complaint received 2022-07-24
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. (FL)

I purchased XXXX vehicles from XXXX of PA. This is a buy-here pay-here dealership, I was told it would not be reported to the credit bureaus ( I was in the process of purchasing a home ). Not only did they report it but they are inaccurately updating my credit report. They have refused to remove the account from my credit report.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

this basically sums upmy issue and this is the email i sent to my bank : I called and complained about this above claim I explained to numerous representative about my issue with the company XXXX I purchase the jersey online on XX/XX/XXXX for {$70.00} after 2 days on XX/XX/XXXX I reached out to them after reading their reviews, i tried calling them and the number on their website was disconnected i emailed the cust support email i found and received this reply ( EMAIL INSERTED ) then they followed with another email saying they would try to expedite my order and ship out the following week. ThIS DID NOT HAPPEN!!! their website said 5-7 business day!!!!! well 3 weeks later on XX/XX/XXXX I received another email stating my item was on the way MIND YOU THIS WAS AFTER I HAD INITIATED A DISPUTE with you guys AND REACHED OUT TO THEM ABOUT MY COMPLAINT as I also explained I no longer needed the Jersey as I went ahead and purchased it elsewhere and it arrived within 5 days ( proof was also submitted ) during this last call with you guys XX/XX/XXXX I was told to reach out to the merchant directly and when I went online to look for their contact in their website is no longer up therefore which further proves this is a sketchy business. In conclusion I request this money be put back into my account immediately I have also followed up with a complaint to the XXXX and will also contact FTC. In my last conversation I requested this claim be ESCALATED as the last representative I spoke to mentioned that was an option that I WAS UNAWARE OF until the representative said i could have requested it I realized this was an option that was never presented to me before once again IM ASKING THIS CLAIM BE REOPENED REVISITED AND ESCALATED AS I WILL BE FOLLOWING THROUGH AND EXHAUSTING ALL MEANS AVAILABLE TO ME. 



( insert ) i reached out to the XXXX  and they replied saying XXXX is not in business i have that email as well i sent that to my bank i also made a report to the ftc i know XXXX may seem insignificant to anyone else but to me is important thats a full tank of gas half of my groceries, if i woulf have got the merchandise they claim i received i could have toolk it sold it made my money back no problem but that is not the case # 1 i never receivd the merchandise # 2 it was sent not when they promised to send it but after I initiated a dispute # 3 there is no way to contact them as the phone # is not in service the receipts they provided have another companys name on it which i did not do business with their receipts show a bedding company XXXX i did not do business with them i did not authorizze my info to be shared with them idont know who they even are or how they even came in the picture??
Consumer complaint received 2022-06-16
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. (IL)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (CA)

IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT 4 YEARS OLD.
Consumer complaint received 2022-06-16
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-28
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)

Transunion is not abiding by Fair Credit Reporting Act by reporting inaccurate information that has not been validated or verified. 
Because of this, I have contacted The creditor in which this account is reporting from. 
They researched my name, social security number to locate me and suspects inaccurate information due to no match. 
I ask that this be removed from my credit report. 
The account opened XX/XX/2019 The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Balance {$790.00} Reporting on Transunion Credit Report XXXX XXXX XXXX XXXX ( XXXX name )
Consumer complaint received 2018-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Back in XX/XX/2018, I received a notice from Midland Credit Management, regarding a debt for my old credit one account, I advised thru writing the collection agency that ' I DO NOT OWE THIS AMOUNT TO THE ORIGINAL CREDITOR AND WILL ONLY WORK WITH THE ORIGINAL CREDITOR ON RESOLVING ''.

On XX/XX/2018, I check my credit reports and noticed that Midland along with XXXX XXXX credit are both appearing on my credit report. I also received another letter from Midland dated XX/XX/18, along with a bill from XXXX XXXX, once again I write back ( see the attached ), I DO NOT OWE THIS AMOUNT OT XXXX XXXX AND WILL ONLY WORK WITH XXXX XXXX ON RESOLVING. I have tried contacting XXXX XXXX and offer a settlement for the original amount of the debt but have not received a return call.

I believe Midland has once again ( have tried several time to asked to cease collection efforts, without any success and have violated the Fair Credit Reporting Act, They were allowed to place on my credit files this debt with Midland, along with XXXX XXXX, without validating the amount.
Consumer complaint received 2020-02-02
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: ID Analytics, Inc. (NJ)

On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XXXX XXXX XXXX XXXX have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX credit card I have with them, because of my credit report showing delinquency with other accounts that have no association with American Express XXXX My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and anxiety since being stripped of my credit card, making it difficult pay bills and get gas. American Express is responsible for all damages resulting from there actions towards me.