davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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. (UT)

I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX  from foreclosing on my home of 23 years in XXXX  when I became XXXX from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD  and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Consumer complaint received 2019-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (TX)

I contacted the company and advised them that I was having a hard time making payments at the moment as I was working at a XXXX  in town. At the time I was only making {$7.00} an hour and was only able to do part-time work for at maximum 30 hours a week. The company wanted me to make a payment of {$100.00} and something dollars. I advised them again that I was unable to make that payment. The lady ( XXXX ) then told me if I was not going to make that payment they take legal action and send the police over to my place of employment. She said the company was than going to take me to court. Feeling desperate I borrowed {$500.00} from an ex-boyfriend to make that payment and stop the calls for a while. I made the payment with his card and she did not verify that I was an authorized user, nor if I had permission to use the card. Later on I had my loan refinanced and have been able to make the payments for almost a year. Today, again I was unable to make the payment, this time being an amount of {$71.00} and again I was speaking with XXXX. She at first said they would be able to take half the payment and then the remainder to the XXXX of next month and then quickly changed her mind and stated that I would need to make the payment by the end of the month. I advised her that I would not able to do that. Again she stated that they would then have to pursue legal action. She said it in a way that sounded like a threat, so I advised her that the threat was not scaring me. She stated it was not said as a threat, but what would occur.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Item was discharged and the Credit Bureaus did not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2022-08-28
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. (HI)

TRANSUNION IS STILL INACCURATELY REPORTING LATE PAYMENTS ON THIS ACCOUNT : XXXX XXXX XXXX # XXXX : This account was never late, it was paid in full and closed on XX/XX/2022 TRANSUNION STILL KEEPS REPORTING DIFFERENT PAYMENT HISTORY CHANGES. WHY? THIS ACCOUNT WAS PAID OFF MONTHS AGO, WHY IS TRANSUNION REPORTING ON TIME PERCENTAGE CHANGES? RECENTLY TWICE IN XX/XX/2022? WHERE IS THIS INFORMATION COMING FROM? ON XX/XX/XXXX OUT OF NOWHERE A MISSED PAYMENT WAS ADDED, THIS IS UNVERIFIED, UNTRUE AND WITHOUT ANY PROOF. WHY IS TRANSUNION CHANGING MY PAYMENT HISTORY TWICE IN ONE MONTH, 6 MONTHS AFTER THE ACCOUNT WAS PAID IN FULL. 
I HAVE ALREADY DIPSUTED THIS ACCOUNT 5 TIMES AND ASKED FOR LATE PAYMENT PROOF AND VERIFICATION OF TRANSUNIONS INDEPENDANT INVESTIGATION RESULTS, NOTHING WAS EVER PROVIDED TO ME FROM XXXX written proof EVER!! 
TRANSUNION IS VIOLATING MY RIGHTS AGAIN, I HAVE BEEN FILING MULTIPLE COMPLAINTS ALREADY AND I WILL HAVE TO CONSULT WITH A CONSUMER ATTORNEY TO PROTECT MY CONSUMER RIGHTS.
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2023 I was attempting to contact XXXX services for assistance on my phone. I called the customer service number provided via the internet. Unknown to me the number was not XXXX, it was a scam number. Thinking I was on the phone with XXXX i gave permission for " XXXX '' to access my phone to help me. In doing so I unknowingly gave scammers access to my bank accounts. They proceeded to send themselves XXXX $ from my bank account via Cashapp. Halfway through the call I realized that I was not on the phone with XXXX. At this point it was too late and they had already made the transaction. I immediately called my bank and Cashapp to stop this transaction. My bank responded saying I can not refute the charge until it processes. Cashapp put in a claim to start an investigation and said they would get back to me in up to XXXX business days. Today, XX/XX/XXXX, the charge processed with my bank so I called and refuted the charge. When I called Cashapp this morning they checked my account and said an email was sent with their decision. I never received any emails from them. I told them I received no emails and the representative responded by reading the conclusion. She said Cashapp denied my claim because the charge came from my account... yes the charge came from my account but NOT from me! It is an unauthorized charge and on top of that it is a hacker and a scam! I asked to refute this decision and was told I could not. I asked to speak to someone else, I was told I could not. I asked to speak to a supervisor, I was told there wasn't one. I asked for an email address to contact to refute this decision, I was told that there isn't one. There is NO WAY to get my money back. I am obviously VERY distressed that this is allowed. I was clearly hacked as the account the money was sent to is not an affiliate on my account. There are ZERO connections between my account and this person. I am floored at the absolute lack of assistance customers of the Cashapp platform are given. And how easy it is for hackers and scammers to get away with robbing Cashapp customers. There is no protection!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MN)

I have a Discover credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with Discover card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from Discover is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (TN)

contacted credit bureau and let them know that I had got an email stating my information was once again involved in a breach and I had multiple UNKNOWN & UNAUTHORIZED inquiries on my credit report and I needed them removed. I was transferred to 3 different representatives and the call dropped. I called back the next day and was told there was nothing they could help me with!! They are as follows : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  FOUR TIMES ON XX/XX/XXXX, XXXX, XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a letter to Midland Funding LLC requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is XXXX XXXX XXXX ( XXXX ) and the plaintiff/petitioner on the writ is Cavalry SPV I , LLC ( Cavalry ) as an assignee of XXXX XXXX. ( XXXX ). 

The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. 

I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. 

I then contacted XXXX. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. 

My haste in filing a complaint is an attempt to force XXXX or Cavalry to submit a release of claims within the 10 day window in which my employer is required to respond. 

I believe XXXX misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, XXXX caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. 

My complaint will be satisfied when XXXX ( and/or Cavalry ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) XXXX submits to me an apology letter, and 4 ) XXXX posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, XXXX commits to addressing every complaint alleging misidentification. 

I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.
Consumer complaint received 2022-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit, Inc (CT)

Audi Financial Services ( AFS ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to Audi Financial Services in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from AFS, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. Disposition fee. 3. Personal property tax owed. 

I requested a complete ledger from AFS via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX XXXX through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, XXXX XXXX XXXX XXXX, in an attempt to collect {$810.00} on behalf of Audi Financial Services. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!
Consumer complaint received 2020-09-15
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: I.C. System, Inc. (IL)

I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/19 saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

The dispute is with Chase. It is involving an interest charge that I do not think is fair. I carried a balance for a couple months and then paid the full balance. They charged me interest after I had a XXXX balance and claim it is due to the previous balance. I have had similar situations in the past and was never billed this way. I called and spoke with three people so far including a supervisor and I have been told they can not credit the account for this fee. The amount is not much which is why I do not understand why they cant credit this since I believe it was in error. The amount is {$28.00} which would be due by XX/XX/XXXX likely with more interest still on what should be a XXXX balance.
Consumer complaint received 2022-08-16
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. (VA)

I am a natural person, I am Living Human Being.I have Rights under 15 USC 1681 Equifax is govern By 15 USC 1681. And they violated my rights numerous of times I demand the account below listed to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not Give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX IF XXXX An also the list of unauthorized inquires that also are reflecting on Equifax that are going against my consumer rights as a living person. 

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
Consumer complaint received 2023-04-06
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. (IL)

XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX this an hard inquiry this not my account I would like it removed from all three credit companies please this was opened fraudulently
Consumer complaint received 2022-08-16
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. (FL)

Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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 XXXXXXXX  Thank you once again for the concern
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (GA)

I paid the XXXX XXXX. They keep billing it to me. I have submitted copies from my banking institution and copy from web page showing paid. The store card changed banks and it comes back. I submitted same documents. I have paid this I dont understand their problem.
Consumer complaint received 2022-08-16
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. (FL)

Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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  Thank you once again for the concern