davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor CXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX - XXXX XXXX Balance : {$910.00}
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I wanted to see my credit score report so I went to TransUnion because they offered to give it to me for free. I was not made aware that I was signing up for a $ XXXX/month subscription. On XX/XX/2020, I checked my credit card transactions and noticed one from TransUnion. I tried cancelling my subscription online, but never received a confirmation email from them that my subscription was actually canceled.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NJ)

The debt is already paid with the original creditor and they agreed to remove the negative information and collection from my account with 24 - 48hrs. 
The collection agency just updated and reported the collection account to another credit bureau and I would like them to stop since the amount was paid in full.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

THE COMPANY, MIDLAND CREDIT MANAGEMENT, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE PREVIOUS THIRD PARTY COMPANY THAT MIDLAND CREDIT MANAGEMENT PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR. WHEN MIDLAND CREDIT MANAGEMENT PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A. 

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) XXXX the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' MIDLAND CREDIT MANAGEMENT is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ). 

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or a countersuit will be pursued. I have proof of claim showing that MIDLAND CREDIT MANAGEMENT hired and shared my personal information with XXXX XXXX XXXX XXXX XXXX. who filed a suit fraudulently against me.
Consumer complaint received 2019-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, XXXX XXXX billed {$640.00} to our Capital One credit card without our authorization or agreement to this specific charge. We immediately contacted Capital One and made our dispute. 

On XX/XX/XXXX, Capital One sent us a letter about this dispute. We then called and again spoke to Capital One, who asked us to go ahead and still make a statement in writing even though we have spoken to Capital One for the second time about this dispute. 

On XX/XX/XXXX, we made the statement in writing and faxed it to Capital One per their instructions. 

On or about a week after sending in our letter, we called Capital One to follow up. Capital One stated that YES, THEY WILL DO TWO THINGS : ( 1 ) CREDIT BACK THE FULL AMOUNT {$640.00} TO THE CARD AND ( XXXX ) CAPITAL ONE WILL ISSUE A NEW CREDIT CARD NUMBER. 

On XX/XX/XXXX, we still did not see the two things that Capital One stated that they would do so we called to follow up. A representative of Capital One named XXXX stated that she did not know why they had not credited back the account for the amount as they had said they would, but she offered to give us a {$100.00} credit and that would be all she could do! Of course, we disagreed to this offer and promptly requested to close our account. We now file this complaint to CFPB in order to ask that the Capital One to reimburse the full amount of {$640.00}.
Consumer complaint received 2022-01-16
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: JPMORGAN CHASE & CO. (GA)

Chase credit card services was claimed that I rented a car on XXXX XXXX 2021. It was not my charge. I was working from home in XXXX GA that day and have proof with a check stub attached. They have come down ro the conclusion twice that it is my charge because I have a history of renting from XXXX is why. It's not fair for me to have to pay for someone else 's charges because I have a history with XXXX. I rented from XXXX in XXXX on XX/XX/XXXX to the XXXX and showed that I paid with my credit union debit card. I refuse to pay for someone else 's charges.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (KS)

Received collections letter on XXXX21. Says that creditor is XXXX XXXX XXXX, Account XXXX. 
AFNI account : XXXX balance : XXXX Letter states a settlement offer of XXXX has been suggested. 

states XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Consumer complaint received 2019-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (AL)

Hello. I've been requesting validation from LVNV Funding for a debt that claim I owe. No validation information has been received. They have begun contacting me, where there had been no communication before, via calls and letters to collect the debt. I continue to dispute the matter. Today, XX/XX/2019 @  XXXX. I received a call from them, robo call, stating they would have " me arrested, freeze my bank accounts and suspend my social security # '' if the matter is not handled. I have the voicemail saved. Not only have they not furnished information to me on this account, that I do not owe, but they are threatening me.
Consumer complaint received 2019-03-18
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. (FL)

Checked my credit report and there is an inquiry from XXXX. I have not applied for any credit so this must be an error. Can not find the company online and the XXXX says I have to contact the company. I can't call anyone I don't have information about or can get information about.
Consumer complaint received 2021-12-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. ()

I have a loan from XXXX XXXX, which is being serviced by First mark services. My total loan amount was US {$26000.00}, and I have been paying monthly payments of US {$340.00}. 
On XX/XX/XXXX, I wrote to Firstmark 's customer services to ask about complete repayment of my student loan and the amount that was due to be transferred. Since I am now working in the XXXX, I was advised to use XXXX. I was further informed in the email, " The total payoff amount on your loan is {$19000.00}, which is valid for 10 days through XXXX/XXXX/2021. This payoff amount includes the current principal balance, any outstanding interest and the interest that will accrue through the payoff date. '' On XX/XX/XXXX, I used XXXX to transfer a total of XXXX XXXX ( US {$19000.00} ), and received a confirmation that they received the amount of US {$19000.00} on XX/XX/XXXX. I have the receipt for the same. I was also informed by Firstmark services that my loan account would be settled with XXXX working days of XXXX receiving the payment. 
On XX/XX/XXXX, I checked my account and it continued to show the same outstanding amount. On checking my account further, I was shown that the payoff amount was XXXX. I paid the difference of US {$30.00} and received another email from the customer services at Firstmark saying, " Thank you for contacting Firstmark Services. 
The total payoff amount on your loan is {$19000.00} which is valid for 30 days through XX/XX//2021. This payoff amount includes the current principal balance, any outstanding fees and interest, as well as the interest that will accrue through the payoff date. '' I have paid everything due from my end and need a no dues letter to make sure that my loan account is closed. Firstmark customer care does not seem to understand and I fail to see what the problem could be. Can this be addressed please?
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (CO)

On Monday XX/XX/2021 my husband used his debit card to purchase gas. There must have been a skimmer on the pump and someone took it upon themselves to use his card for a bunch of bogus charges. We were at our local water park that day with family and did NOT have our phones with us. When my husband checked his phone later in the day he had received a fraud text alert from TCF bank, our current financial institution, he replied " N '' for no stating it wasn't a transaction made by him. The fraud department contacted him and asked questions and declined the charge. I jumped on to our account and noticed multiple other fraudulent charges and immediately called TCF back, because it was a holiday the wait time was over 30 min. The first representative my husband spoke with failed to cancel the debit card and charges kept going through. There were 31 {$50.00} charges and 8 {$25.00} charges for a total of {$1700.00}, all made with the same company XXXX XXXX XXXX XXXX XXXX. From my research this is a clothing store geared toward young men. We reported the fraudulent charges within 6 hours of the first text notification and TCF fraud investigation is denying that they were fraudulent. Stating that we benefitted from the charges and are refusing to return the lost funds. It's very clear that these charges were fraud, they don't align with any of our previous or current spending habits. Why would anyone run {$1700.00} in {$50.00} and {$25.00} incriments? When I contacted TCF customer service on Tuesday XX/XX/2021 the rep I spoke with agreed that they were suspicious and looked to be fraudulent. I have appealed their decision twice and they keep refusing to return our money.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc. (GA)

I XXXX XXXX and my mother XXXX XXXX have been receiving several phone calls from XXXX stating that he has a {$29000.00} debt from a construction company with XXXX i called XXXX and they didnt give us much information but to call the following number XXXX and the XXXX website i spoke to them then was transfer to XXXX XXXX to they told me it would most likely to be a scam and to have it reported to FTC AT XXXX.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MD)

Lexis Nexis is reporting incomplete information about an auto accident, which has caused a 45 % PERCENT increase in my auto insurance rates. I would like the record corrected.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I contacted Bank of America on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from BOA ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.
Consumer complaint received 2019-03-18
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 previously filed a complaint against TransUnion credit bureau. The complaint was not handled. The company is legally and federally liable for accuracy of the reporting information, including score. It is by law. They can not arbitrarily choose a score that is low with no specific reason as to why it is low. That is a violation of the FCRA. Please open the complaint again and pursue it.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

XXXX/XXXX billed me by snail mail AFTER the first payment cycle was due! They provided no online access instructions or emailed bill prior to this. I paid immediately upon receiving their written communication in the mail after signing up online, 2 days after their due date. They then refused to refund a {$25.00} late fee ( that they assessed on XX/XX/XXXX but backdated to XX/XX/XXXX! ) or a {$7.00} finance charge. All charges were assessed for merchandise that had actually been returned for poor quality. They also claimed I had failed to sign up for online statements though they had not yet provided me with the opportunity to do so.
Consumer complaint received 2018-02-15
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. (NV)

I have made more 3 types with XXXX, XXXX, and Trans Union to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, 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. (AL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  Balance XXXX {$710.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} 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 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
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021, I requested Experian to investigate the following items in my consumer file, XXXX XXXX XXXX  XXXX XXXX XXXX ( {$410.00} ) XXXX. XXXX XXXX XXXX ( {$7900.00} ) Inquiries : XXXX XXXX XXXX. 
Experian responded that Items were verified. 

On XX/XX/2021 I requested a reinvestigation on the same items, I requested a written procedure to determine accuracy and the written results of the investigation. 

I received a response after 30 days. 

Experian Responded the items were verified but refuses to respond with the written instruction I requested. 

On XX/XX/2021 I sent a no response on written instruction and made Experian aware that they have violated me as a consumer. 

Experian is withholding information in my consumer file and refuses to comply with the federal law. 

Experian doesnt have any permissible purposes to obtain any information in my consumer file, Experian is benefiting from my credit card, without authorization. That's causing XXXX to my reputation and XXXX to my family and living mode without explanation. 

Experian has yet to respond to the instruction that I Requested. 

Experian is reporting items that's inaccurate and it's obvious that this information is inconsistent, inaccurate and unverifiable. I've attached documents highlighted in yellow showing what's being furnished about my reputation is all different and as the original creditor this information is incorrect and needs to be deleted.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion and XXXX have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX  I have disputed the problem several times. In XXXX of XXXX  my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account has not been reported to the bureaus since my last complaint filed against XXXX with this office. The account is now paid in full and it is still reflection open and with a balance.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried to dispute this matter several times by mail also i have disputed online and by phone.The issue im having with TransUnion is its a chargeoff/collection thats reporting open on my transunion report the name of it is XXXX. I want it deleted Immediately due to inaccurate reporting i will attach the the proof along with this.Also TransUnion is the only bureau reporting this.