davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

Account was paid in XX/XX/XXXX. Credit Systems International opened the account in XX/XX/XXXX. I paid this debt in XX/XX/XXXX. I applied for a credit card and I was denied because Credit Systems International began reporting the debt for the first time in XX/XX/XXXX. One year and 10 months after payment was made on the referenced account. Initial account was sent to Credit Systems International in error due to billing problem from the hospital back in XX/XX/XXXX. I was never aware I had an outstanding payment. The moment I was informed, I paid the bill. I called to inquire about negative reported item. I was told I owed an additional {$190.00} to stop the negative reporting. This is fraudulent and I was told in XX/XX/XXXX I owed {$170.00} which was paid in full.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Thank you in advance for your prompt attention to this matter. 

I have information on my reports that are outdated and I believe they are affecting my credit negatively. 

I no longer live at XXXX XXXX XXXX XXXX, XXXX NC XXXX Nor do I live at XXXX XXXX XXXX. 
XXXX NC XXXX I also request that all 3 of my past job history information be removed. As I feel this information is not necessary to be shared. My personal phone no. and address puts me at risk. Please remove. 

My only name and always has only been XXXX XXXX XXXX Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

I had planned a XXXX  XXXX for XX/XX/XXXX and was unable to get it due to XXXX. I had made several attempts to contact the place where I was scheduled to get my XXXX. I contacted them several times and have not been able to get in contact with anyone. I was ale to talk to an employee at XXXX on XX/XX/XXXX and was told i had to pay XXXX $ for a dates change, which I made the payment. I had been told i would receive a call back from a XXXX coordinator, this did not happen. When i was finally able to speak to a XXXX coordinator on XX/XX/XXXX she informed me that she had not received any payments from me at all. On XX/XX/XXXX I called the banks which i had been making the payments from to report the issue. I had received my funds back from XXXX XXXX XXXX. I made 2 payments from my wells Fargo account, on XX/XX/XXXX i made a payment of XXXX $ and anther payment on XXXX for XXXX XXXX Well Fargo denied my claim.
Consumer complaint received 2023-03-22
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: NAVY FEDERAL CREDIT UNION (SC)

In accordance with the Fair Credit Reporting Act 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 XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I called Transunion regarding fraud after an inquiry showed up on my credit report from XXXX XXXX, so I placed a freeze on my credit report until I could figure out this inquiry. When I spoke with Transunion 's agent, she told them it would take at least 30-60 days to remove this inquiry from my credit report. In the meantime. I contacted XXXX XXXX  and disputed the application and inquiry. I did file a complaint CFPB Case XXXX, your agency, to which XXXX XXXX  responded, and in the response on XX/XX/XXXX. In their response, XXXX mentioned they had sent back in XXXX of XXXX a request to remove the fraudulent inquiry from my Transunion credit file. Also in the response from XXXX XXXX, they stated they had sent another request to have this fraudulent inquiry from my credit report. 

As of this complaint, on XX/XX/XXXX, Transunion has failed to respond to either of my and that of XXXX Back requests dating back to XXXX of XXXX to have this inquiry removed from my credit report. With Transunion 's failure to remove this inquiry, which by consumer protection, has 30 days to remove and investigate this false information. As of this complaint, which is five months after my initial contact on XX/XX/XXXX, with Transunion, the inquiry is still reflecting on my credit report with them. 

" Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. ... If the review isn't complete because, as commonly happens, a data furnisher doesn't get back to the credit bureau in time, the agency is obligated to remove the disputed record '' Why hasn't this inquiry been removed? Their failure to do so has caused me higher interest rates and a lower credit score. What recourse does a consumer have with a credit bureau that failed a consumer?
Consumer complaint received 2019-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

On XX/XX/XXXX, I initiated a wire for the amount of {$5000.00} US Dollars from my bank, XXXX XXXX  to my husband 's bank in XXXX, HSBC. The funds did not make it to his bank. After 2 weeks of waiting I decided to cancel the wire and the XXXX XXXX wire department requested a return of funds. On XX/XX/XXXX XXXX XXXX informed me that HSBC involved OFAC and that I needed to answer a series of personal questions for HSBC to release the funds back. On that same day XXXX XXXX  sent the requested information to HSBC. Again, XXXX XXXX asked for the funds to be returned. Everyday after the XX/XX/XXXX XXXX has sent requests to HSBC to return funds and has had no response. On XX/XX/XXXX, XXXX XXXX  informed me that OFAC had closed the investigation but still hadn't heard any responses to the requests sent by XXXX XXXX  to HSBC regarding the return of funds. Today it is XX/XX/XXXX and XXXX XXXX 's wire department has yet to hear any responses. I need my money back now! Wire Confirmation number that XXXX XXXX  sent the wire successfully to HSBC is # XXXX
Consumer complaint received 2023-07-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.
Consumer complaint received 2023-07-29
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MD)

I am filing a second complaint against Comenity bank. I have answered and requested multiple times that they discontinue contacting me. In addition to this, I established a time to pay my outstanding payment from last month. This date has not come to pass, and I am still being harassed multiple times daily. Today is Sunday XXXXXX/XX/2021, at XXXX, I have been called five times today by them. Twice by their corporate number and three times by an unknown and blocked number that is them as well. This is harassment, and illegal. It has begun to affect my daily life by disrupting me during work hours in important meetings. This is unacceptable, because this is my livelihood that is being jeopardized over a late payment. This is not a debt I have owed for a long time, it is only a one month missed payment due to the pandemic of COVID-19. I answered the last call today and for the fifth time on their recorded line I told them I have a payment plan set up and to not contact me. This seems to have no effect on them, as they continue to disrupt my daily life.
Consumer complaint received 2023-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

I've had several issues regarding my cash I was using cash app I've had an account open with them for 3 yrs or longer and just recently I've been having problems with my money not being returned to me there are 4 incidents the 1st was 10 transactions for XXXX and XXXX XXXX is free I fought tooth and nail about that but cash app support blew me off the 2nd one was for {$11.00} I made a transfer from my bank to cash app and they added a quarter to my account apologizing never seen that money the 3rd was in the amount of {$56.00} I canceled a food order and I never received that money I had a chat session with some one everyday about the funds it took place on XXXX XXXX from the merchant XXXX and cash app both companies was feeding me XXXX  and normally refunds take about 3 to 5 buisness days to reflect the representative from cash app had the nerves to tell me sometimes it takes up to 60 days .the 4th one is for {$64.00} I payed this amount at XXXX XXXX and the merchant just completed the final amount of {$39.00} on XX/XX/XXXX  I received a msg from cash app staying the merchant adjusted the amount and I never seen the other portion of the XXXX dollars put back on my account and Everytime i have to go back and fourth with this company asking me questions like why do I think I'm missing money I can clearly read my transaction history just fine and understand what I see I didn't just start banking yesterday they trying to play me for an XXXX im very wise and intelligent I would not waist my time or cash app support time just trying to pull wool over there eyes times are hard and we trust these financial institutes witn our cash
Consumer complaint received 2023-07-29
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. (DE)

Hello, yes, I had my student loans with nelnet. Originally, and now there was modelo. Or however, you spell that, and they are on my credit report. XXXX / 8 years with modella, they've been in my credit. Since XXXX XXXX, which is over 10 years, they were sent to another creditor, not the original lender. I actually am on XXXX. I sent over a request to be approved for permanent XXXX. 
Approval from my student loans to be removed from my credit. I sent the doctor 's note over from my physician. As well as the information from social security they denied. I'm still on XXXX. This is past the 3 years I had an income repayment of XXXX. Now I got ta income repayment. That I have to pay {$360.00} a month. When I'm below income powery lines. There is over {$65000.00} on my credit report. That is preventing me from getting a mortgage. Any credit any type of anything above water? I need your help to get this taken care of ASAP.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MA)

Hi, Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-08-04
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: LEXISNEXIS (GA)

After a dispute was filed, I received a letter from LexisNexis dated XX/XX/2019, revealed said information was verified. 
On XX/XX/2019, I submitted a certified letter to LexisNexis requesting the Method of Verification used to determine the validity of the information reported in my credit file. To this date, LexisNexis has failed to respond to this request ; therefore, placing them in violation of the FCRA ( copies mailed to CFPB ).
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (SC)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX
Consumer complaint received 2020-02-05
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. (CA)

XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and XXXX written letter stating I was a victim of Identity theft.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

First let me make clear that I am not using ANY credit repair company! I am a regular person who is tired of getting the same reply to my letters no addressing the information requested. I have been requesting that this company validate all the collection notations they have been submitting to the three major credit reporting agencies using account numbers XXXX, XXXX and XXXX. They continue reporting inaccurate information. It's like they don't care. On my last letter, I demanded validation and requested to be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}