davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX XXXX Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. This account is INVALIDATED for it is no longer reported in XXXX and XXXX. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

I have not been scammed but I received a text message saying there was a problem with my First Horizon bank account and there was a link inside the text www.firsthorizonff.com. I did not click on this link in my phone but I did pull it up online and it is a fake replica of the First Horizon Bank 's website designed to scam people. I just do not want anyone to get tricked into using this site.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MI)

This collection agency sent me an email about a debt that isnt even mine complete with dates and the responsible parties information. Includes the persons address and personal information, which is not me. How are they allowed to send an email when they dont even know if this is the responsible parties email address? In addition its a debt that is 8 years old. In the state of Michigan its 6 years. This account is from 2016.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synerprise Consulting Services, Inc. (OK)

XXXX, XXXX and XXXX are reporting this account as open ; Synerprise Consulting account number XXXX. 

According to the company, there is no account on file. This is inaccurate information and must be deleted per 15 USC 1681b ( 2 ) and 15 USC 1692.
Consumer complaint received 2022-09-08
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. (GA)

Equifax, XXXX XXXX and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.
Consumer complaint received 2022-09-08
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. (GA)

XXXX, Trans Union and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

this attorneys office sent me a document to collect on a debt from XXXX XXXX XXXX with my name on it. it is an account that was fraudulently used in my name and disputed by myself years and months ago again as it was appearing on my credit file. XXXX  XXXX XXXX rechecked the matter and confirmed it did not belonging to me after documentation was again sent to them as well as a police report. they removed the negative and fraudulent account and now today months later i get a civil suit notice with the attorney XXXX  XXXX XXXX i guess sold this account to and dint inform them this is resolved. the attorney reached out to me months ago and advised to respond if i disagree, i replied that day via call and then mailed a letter the very next day ... never heard back until today getting served. i read horrible and similar reviews of this attorney and their office and this sis not right at all, they =should n't be able to do this to people like they do. please help me and the little guy!!
Consumer complaint received 2019-04-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARVANT FINANCIAL LLC (MD)

On XX/XX/2019, Carvant Financial LLC, of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, New York illegally seized XXXX dollars from my XXXX XXXX XXXX XXXX account. This caused my bank account, that I share jointly with my wife, to go negative XXXX dollars. This debt was on an old auto loan that was taken out before I was married. Additionally, this company engaged in illegal practices in pretending to serve me. Although they are claiming I was served, I was never notified of legal proceedings against me until XXXX was deducted from my bank account. I only had approximately 50.00 in this account at the time so this has caused my joint account to go negative approximately 7,000 $ negative and adversely affected my wife whom is an uninvolved party. Neither the bank nor Caravant financial alerted me in any way to the withdraw of funds from my joint account. This violated Maryland law as the joint bank account was established after the judgment date, is jointly owned by an uninvolved party, and had less than 50.00 $ in it at the time. Maryland law DOES NOT allow for seizure of property by garnishment for accounts with less than 6,000 in them nor for accounts jointly owned when only one party is responsible for the debt. Neither the bank nor Caravant Financial will discuss this matter and I have been directed to a lawyer who represents Caravant Financial, who is still attempting to illegally collect money from me. The judgement against me was for XXXX, and yet XXXX was illegally deducted from my account and the lawyer insists I still must pay.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I recently ( officially XX/XX/19 ) changed my home insurance plan to a plan that was over {$200.00} less a month ( almost {$2500.00} less for the year ) and informed my mortgage and escrow holder ( Fifth Third Bank ) of the change. A month passes and my new payment due for XXXX has not been altered and I begin calling to ask why my monthly payment has not changed. One escrow specialist I spoke to informed me that an escrow re-evaluation kicks in as soon as one of the elements ( in this case the home insurance ) changes. 

Call back on XX/XX/XXXX and we are informed that there is no re-evaluation being worked on but they will start now, it should take at most 6 days. Over a week later we have received no information so I call back and speak to someone else on XX/XX/XXXX and there has been a request for a new evaluation but it has not been started. I am assured that this will be fast tracked and they will be in touch with me soon. 

No contact from the bank again until today, XX/XX/XXXX, I call back yet again to see if the evaluation is complete and ask why I have not been contacted. The evaluation has just completed and my new XXXX bill will reflect the new payment. I asked over and over again why I had not been contacted when assures over and over I would be and why I had to pay money I should not have had to due to my new insurance policy. No answers were given, just policy jargon, and when I requested documents on of my contacts to the bank I was denied access to those documents. I also asked for a letter or documentation of this denial and I was also denied that.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX  XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX, and XXXX XXXX. XXXX  XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact me.
Consumer complaint received 2022-11-30
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. (CA)

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX XXXXXXXXIm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am sending this complaint because Experian is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 

It is my right to get this account deleted from my report. This is affecting my financial and emotional life. Experian must stop reporting this account as soon as possible. 

Please see attached proof of case won.
Consumer complaint received 2024-03-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (TX)

On XXXX I saw an ad by PRMG recruiting real estate agents to be paid as loan originators XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Is this legal?
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

Hi, After so many transaction on our business I already provided needed proof documents and they tagged my account as permanent limitation for unapproved file sharing services. I dont know what kind of file sharing sevices that I violated but I will make sure that all transaction are legit and coming from our XXXX website. 

Please I need to restore my personal account. I want to be honest that I tried to create another account to paypal but they still banning. 

Hoping for your kind consideration on my case.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green & Sons Agency, Inc. (UT)

This company calls me multiple times back to back. If I ignore their call, they will call back within seconds of me ignoring it. They also leave a voicemail that just says hello. It has gotten to a point where they are waking me up with their repeated calls. 

This happened today ( XX/XX/XXXX ). They called 3 times within the span of a minute ( all 3 calls are time stamped XXXX XXXX  ). XX/XX/XXXX, they called at least twice with time stamps of XXXX XXXX  for both calls. XX/XX/XXXX, they called twice within one minute, one call timestamped XXXX and the other at XXXX. XX/XX/XXXX, 3 calls timestamped XXXX, XXXX, and XXXX. 

I have asked them as of today to stop calling me.
Consumer complaint received 2022-12-29
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. (SD)

I see a hard inquiry on my credit report which I didn't make it. The name is XXXX XXXX, I have true to contact XXXX  XXXX but the phone no. doesn't let me connect.
Consumer complaint received 2022-03-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (CA)

XX/XX/XXXX I had received a voice-mail from a number labeled as " Spam Risk '' by AXXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding a delinquent payday loan from XXXX. The individual contacting me did not disclose their name, affiliation, or the reason behind these potential legal actions. They did leave the number ( XXXX ) XXXX. Later that day I received an alarmed phone call from my mother saying she received a similar message. 

I received another call the following morning around XXXX from a man who identified himself as a XXXX XXXX XXXX " XXXX '' or " XXXX ''. A third party collector located in Florida, XXXX. ( Extension XXXX ) During this call I agreed to XXXX installments of {$100.00}, provided a debit card to be charged ending in XXXX. 

The following day I had discussed this with a father 's friend who is a recently retired attorney and was advised to acquire verifying information and read through the FTC website. 

XX/XX/XXXX at XXXX am I had contacted the company to request a business address, email and a business license number to vet their legitimacy. I was told to contact Check n ' Go to " follow the chain of transactions '' to verify their business on my own with nothing but the last four digits of a transaction number. I had been subject to a data breach in XXXX of XXXX. So this was not concrete to me. 

XX/XX/XXXX at XXXX am I called again. I was directed to a Senior Supervisor by the name of XXXX. I was requesting a business license number and a mailing address to vet them. ( I recorded this call but only recorded my audio by mistake. ) She the stated, '' Since you're uncomfortable paying us I'm going to delete your information and we will be proceeding with the city of XXXX to send a civil officer. Then we will proceed in court. Good luck. '' She had hung up before allowing me to petition this let alone providing any information at all about their business. 

I requested information to verify the legitimacy of " XXXX '' or " XXXX '' of Florida a total number of 4 times without receiving the information that should otherwise be public. Threats to contact prior employers, neighbors and family were made over my first discussion with XXXX XXXX. The company made contact with my relatives through procedurally generated numbers and disclosed to them that I am in legal turmoil. I believe this debt had been expunged or exceeds the statute of limitations within the state of California. I expressed emotional duress and was given little to no time to negotiate or vet this business. I also have a saved copy of the mentioned voice mail as well as a one way recording of my final discussion with this collector.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Hello, I was contacted last week by a woman named Ms. XXXX claiming to be with Capital One and XXXX XXXX XXXX XXXX. She stated I was added to a Capital One account which had my sisters name and my moms name on it. She stated my social security number, drivers license number, address, and birthdate. She then told me my income is XXXX and it is being garnished due to nonpayment of the open and delinquent Capital One card that was established in 2011. I have never owned or used a Capital One Card. This woman had all my information and took {$200.00} from my bank to pay Capital one in order to avoid a garnishment on my only income. 
On another note, My sister came to my house during XXXX and stole all my mail when I was in Colorado. My sister does have a Capital One account ... The woman who called me is supposed to call me last week just called me back again to threaten my income garnishment because I disputed the transaction with my bank. Her name is Ms. XXXX. Her number is XXXX XXXX XXXX XXXX extension XXXX. 
She also called me from XXXX XXXX XXXX XXXX. Please help me. My bank has frozen my account so she doesnt try anything else I have called XXXX and experian to block my social security number and credit. I also downloaded XXXX and it flagged her number as Spam after we had spoken.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Experian reporting closed account on my report that should only be showing XXXX which is paid in full and closed. Also having been reporting my payments since 2017 even tho XXXX has been proving reports every month up untill last month ( XXXX ) when I made my final payment. Furthermore, addresses and misspelling of my name only address should be reporting is XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Attached are my id and paperwork from XXXX and screenshots of whats on my file thats showing closed which are not mines.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

I'm trying to change my direct deposit with the SSA .... in order for me to do XXXX need my current account info on file plus the new info. Cash app which is owned by block Inc is refusing to give me my XXXX info XXXX can do so. And it isn't right what they are doing the account the is closed so why can't they give me that info ....