davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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: SYNCHRONY FINANCIAL (OH)

SO I got hit with an inquiry from SYNCB National Credit Cards/Airlines,  and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX tells you to contact Synchrony ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office. 

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that XXXX, Experian, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.
Consumer complaint received 2023-06-11
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. (TX)

XXXX XXXX XXXX has been reporting on my account since XXXX of XXXX  with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!
Consumer complaint received 2022-03-09
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: EQUIFAX, INC. (MO)

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have Equifax get back to me with regards to the issue. Here are the accounts and inquiries that concern me : XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX XXXX Balance {$2700.00} AXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Consumer complaint received 2018-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (FL)

On XX/XX/2018, I called my PNC Bank Account, XXXX, followed the prompts, and heard that my balance was {$1.00}. That morning I did not use my Debit Card at all. By mid day, I walked up to the PNC ATM located on XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, Telephone : ( XXXX ) XXXX ; made a {$300.00} cash deposit and the receipt reflected {$300.00} vs. {$300.00}. This is the second time I see money disappear when I look at an ATM Receipt. So, this time around I walked into the Branch and explained to XXXX ( an employee ) everything. She sat behind a computer and after 3 minutes or so, she said, " Oh, this computer is freezing. Let me try another computer. '' She walked into a private office, did not invite me, and after about one minute, I walked into that office, then she said, " They system keeps giving me an error sign. Let me give you a call once I find out why {$1.00} is not in your account. '' She said she'd call me later. Well, later turned out to be one or two DAYS later. I turned on my phone and there was a message. I simply saved it. Then, when I ran into her towards the end of the week, she said the missing fee was a MONTHLY fee. I found that to be extremely ODD because for the LONGEST time, I was NEVER charged a monthly fee because I was depositing OVER {$500.00} dollars. Then, they began to charge me {$5.00} because of some lie. And then XXXX says, " Oh, it was a monthly fee. '' And that's another lie because if it were a fee, there should have been a negative balance. And at the very bottom of the ledger attached ( if you see the figure ) It would have reflected {$1.00} vs. {$0.00}. With all sincerity, I perceive PNC Bank has duplicated 2 additional accounts with my identity, hidden my account again, and allowed illegal activity to take place. And the missing of {$1.00} was a TEST to see that if they wired ex amount of money a few days later, it would go into that duplicated account. That's what I think really occurred and I would like your Department to prevent this crime from occurring again. It's happened at least 2 others times where OVER {$200000.00} gets deposited ; and the idiots wants to make it seem " It's my money. I have access to it. '' And I have ZERO access to it. Then they want to transform my internal body to reflect " Spy. '' And I do NOT qualify to be a spy nor am I ANYONE 's spy. That's another crime in itself. Please have PNC shut down any other account with my identity ( XXXX ) ; and change their codes. I find it to be highly unlawful for my deposits to go into another person 's account who then wants to make it seem we're a team. I'm an independent Citizen with NO spy sister, tribe, and I am LEGAL in our country. So, please end this nonsense. Unmerge my account ; and enforce respect. Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm filing a complaint to remove unauthorized credit inquiries on my credit report. 
I did not give anyone permission to examine, access, or utilize my credit report for any purpose, and I have not asked for credit in almost two years. I have contacted the Big 3 and asked to remove the unauthorized inquiries, but until now, there have been no responses from their office.

I have also contacted the creditors in question, and they have no proof of each initiated inquiry. I request that TransUnion, XXXX, and XXXX delete these inquiries from my credit report because they are untested, non-compliant, and unverified. After all, there is no evidence or proof of my authorization of a legal purpose, whether written or verbal, to access my credit report for any reason. 

See attachments included for all the items that are listed per Bureau.
Consumer complaint received 2023-12-28
Product: Credit 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: Block, Inc. (CT)

I disputed a purchase with Cashapp on XX/XX/2023 and on XX/XX/2023 XXXX the merchant refunded the money to the cashapp XXXX 27 days later Cashapp just gives the same speech that it takes up to 45 days even though the merchant already closed the dispute in XXXX XXXX favor. The confirmation number from XXXX is XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (GA)

Please be advised that my name is XXXX XXXX XXXX Im a natural person and consumer summiting this complaint as a victim of identity theft. According to the Gramm Leach Bailey Act lenders can not share my personal information with a third party and if they do they must give me XXXX XXXX XXXX an opt out form that allows me the option to opt out, of the contract. Which I was not given full discloser to protect the privacy and security of my non public personal information. XXXX, XXXX, and Transunion are in direct violation of the Fair Credit Reporting Act, The Gramm Leach Bliley Act and pursuit to 15 U.S. Code 1681c-2 Block of information resulting from identity theft. I am making a very clear demand to remove all fraudulent account listed below on my consumer credit report, within the next 4 business days as stated by law. 

XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX  and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
Consumer complaint received 2019-02-12
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: Penn Credit Corporation (SC)

After several attempts to verify and validate the debt being reported on my credit file it was unsuccessful. The information is being incorrectly reported and they havent responded nor validated/verified the debt.
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and removed : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (CA)

Cavalry Portfolio Services LLC as assignee of Cavalry SPV I , LLC ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that Calvary states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. Calvary Portfolio Services claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. Cavalry and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. Cavalry has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called Cavalrys ' Collections Attorney ; XXXX XXXX XXXX to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both Cavalry and XXXX  on XX/XX/XXXX in which they both received. XXXX XXXX XXXX sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. Calvary filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. Calvary has been attempting to collect a false debt since XX/XX/XXXX. Cavalry obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.
Consumer complaint received 2019-09-18
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: TD BANK US HOLDING COMPANY (NY)

Hi, my TD bank debit was stole by someone on ATM machine about {$740.00}, when I received the fraud alert message from TD bank I press NO immediately and I called bank to stop my card and I went to local office next morning cause the money was stole by XXXX and I need at home to take care my baby. So morning time they told me this 2 transaction was pending and they cant do dispute now, so after couple days I went to bank again because the money was proved and was gone from my account. After 3 weeks I did not get my money back I did not get any notice from bank so I have to go to bank again, and this time they told me my request was deny because the stoler use my correct PIN number so they can not do anything for me. 

And also someone stole my information to apply for XXXX  XXXX credit card which I never apply for before, I call to cancel this card already but I dont want this will affect my credit
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I received a debt collection from FCO XXXX XXXX XXXX XXXX  XXXX, XXXX, MD XXXX # XXXX Acct # XXXX for XXXX  on the XXXX XXXX XXXX XXXX for {$170.00} I called XXXX credit bureau and they said, " This is wierd, they only have a name and address, nothing else!. They removed it from my credit report. I tried calling the company and spoke to XXXX ; it is for an apt . complex in XXXX florida ( XXXX XXXX XXXX ) .It occured on XX/XX/2015. Apparently someone tried to rent an apt using pieces of  my information. the fee is for application, administrative fee, and NSF.I asked for documentation from the apt . community ; what proof of ID, etc. Since I refuse to give them even my phone number ; I was to call them back a few days later. I then got XXXX XXXX ; he refused to look into the information unless I provided my soc. sec. # and b/d. I said no way XXXX! I explained they didn't have the real info when they attempted to put it on my credit report ; I asked what have you done to verify anything. 
I get real annoyed when someone gets sneaky with my information. I have never bounced a check, paid a bill late, and have excellent credit!
Consumer complaint received 2019-02-12
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO CFPB : XXXX RE :  Request for reinvestigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXXational Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All BankXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC (CA)

Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. 

When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! 

I'm about to make a first loan payment to a car i won't own ...
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XXXX XXXX I had sent a payment from my cash app to my XXXX bank acct they never received it and cash app told me that once The money is sent there's nothing They can do I have been back and forth with cash app and my XXXX bank trying to get my money back there is a cash tag on the cash app that looks exactly like my bank logo and I sent it to that logo thinking it was going to my bank and I think it went to someone with the same logo as My bank the amount is XXXX and I need to get it back cash app refuses to give me the name of this person so I can contact them and tell them it was a mistake and to send the money back but cash app tells me they can't delulge that info because it's private so needless to say I am highly upset with this because I can not get any of my questions answered or my money back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would very much at it if you could help me with this as that is a lot of money please let me know if you need anything else to investigate this thank you XXXX XXXX as you can see with the snapshot I included pay attention to the bank logo
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc. (MO)

NATIONAL CREDIT MANAGEMENT has placed an additional report on my credit when it was previously made clear we would be working with the XXXX University XXXX XXXX XXXX on resolving this matter directly. 

Please check reference to Consumer Complaint No. XXXX Details with Missouri Attorney General Sent email to XXXX XXXX to advise of concern about account and attempts to find resolution again, given the circumstances, as of XX/XX/2019 Will not be paying two separate debt collection efforts.