davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CASHCALL, INC. (CA)

The company name is Cashcall they have a 12-year-old dead as if it were only a few years old and a great report and still trying to collect XXXX XXXX  is the collection agency they have falsified documents and dates
Consumer complaint received 2017-12-28
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. (OH)

On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, TXXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue.
Consumer complaint received 2020-07-17
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 US SM BUS ADMIN ODA
Consumer complaint received 2020-06-01
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: Westlake Services, LLC (WA)

In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks XXXX XXXX
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MN)

Following Equifax 's discolusure of my personal information as a result of their technical incompetence, I have also been unable to enroll in their advertised offering of free credit monitoring and related services after the expenditure of considerable effort. 

The primary challenge to enrolling has been technical as well. After being placed in a multi-day queue to enroll two times, I received an email with a link to trustedidpremier.com that appears to contain an identifier unique to my request. The email assured me that it was finally " time to take the final steps in enrolling in your free product, TrustedID Premier ... '' The email also specified that " This link will remain active throughout the enrollment period, which expires on Monday, XXXX XXXX 2017. ''  However, when clicking the link, I receive an error page and am then redirected back to the beginning of their process again, which requires re-providing this company with considerable sensitive personal information all over again, and presumably only would put me back at the end of a queue to sign up for the service a third time. 

The email also contained a telephone number I could call if I had questions or concerns, so I called the number. After a brief automated recording, the number provided a busy signal tone. 

I have at this point entirely lost faith in Equifax 's ability to use technology to deal in my personal information, so I do not wish to attempt to enroll in their service again.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (TN)

They repeatedly submitted claims to the wrong insurance, even after they were told what the proper insurance for my son was. After several repeated, failed attempts to submit to the wrong insurance, they sent us a bill for full amount. We contacted our insurance and they fixed the problem and paid the amount owed for his XXXX. The woman at the front desk refuses to admit error and continued to press for an amount we do not owe. This happens continuously at that location with other families. We will not be bullied into paying double for the repeated mistake of their staff. If this is not removed after this second attempt a lawyer will be sought for damages. Fox Collection claims debt was verified yet no proof was sent from original accuser.
Consumer complaint received 2017-09-20
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 — Problem with personal statement of dispute
Company: TCF FINANCIAL CORPORATION (IL)

In XX/XX/XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XX/XX/XXXX i  attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a XXXX report. I contacted XXXX and discovered it was from XXXX XXXX. I contacted XXXX XXXX   branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with XXXX. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XX/XX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on XXXX XXXX. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
Consumer complaint received 2021-09-22
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: MRS BPO, LLC (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I am a victim of false & inaccurate reporting. I have disputed many times & they continue to verify accounts that dont belong to me. XXXX is the only reporting agency who seen I was being taking advantage of and deleted all accounts in my dispute. So if XXXX couldnt verify these same accounts, I will like to be supplied with the investigation process XXXX and XXXX used to verify these accounts. They've furnished 3 accounts that dont belong to me on my report with out proper investigation. Two of which states that I have a collection account with XXXX XXXX  and XXXX XXXX  doesn't own that debt! So those accounts need to be removed immediately because its entirely false. And a XXXX XXXX XXXXXXXX account that I will need proof for as well. I will attach below.
Consumer complaint received 2021-05-01
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. (VA)

I have several fraudulent hard inquiries on my equifax credit report. Below are the fraudulent inquiries. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I ordered a generator from Amazon using Amazon Synchrony Bank. The merchant was unable to deliver the item. I filed a dispute for non receipt of merchandise. Amazon advised me that Synchrony Bank is a separate entity from the store. I filed a dispute with the Synchrony bank on XX/XX/XXXX. They still have not given me a temporary credit while investigating the dispute. I called them and they advised that the balance will remain there while they investigate and that I am not responsible for the dollar amount. The only problem is that it is accumulating interest charges and my dispute is approaching the 60 day mark. I just want credit for non receipt of merchandise in the amount of XXXX Please see below : ORDER PLACED XX/XX/XXXX TOTAL {$1100.00} SHIP TO XXXX XXXX ORDER # XXXX View order details View invoice Undeliverable Track your package for details XXXX XXXX Dual Fuel ( Gas and Propane ) Portable Generator with Electric Start - 12000 Peak Watts & 9500 Rated Watts - CARB Compliant - Transfer Switch Ready
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

his complaint is regarding Capital One, in my last CFPB complaint I indicated that the person who has my card stopped paying and is not in contact with me. I do not know the address of XXXX XXXX. I don't have any way to pay the bill and when I attempted to contact Capital One they did not provide me any options. I am not able to use the phone. When I attempted to access my online account for my screen XXXX could not reset the password because I don't have possession of the card. I indicated I do not have a phone. I am not able to pay for the bill. I have not personally received any bills. I am requesting options to defer payment and asking Capital One to please put a stop payment due to the circumstances however Capital One will not contact me via email or provide me options to accommodatemy circumstance. I need for Capital One to accomodate me via email and I need for them to allow me to reset the password for my online account and provide me options to defer payments, change the address but they have not accomodated. Please review the letter they provided me and I am requesting that they please defer payments and stop collection activity, to send to the correct address as well as to reset my password so I can login to my account. As stated I do not have a phone to call.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

I had deposited five pieces of money order into an ATM branch of Chase bank, located at XXXX XXXX XXXX, XXXX CA XXXX on XX/XX/XXXX. Each money order has an amount of {$1000.00}, a total of {$5000.00}. I have many pieces of evidence to sue the bank for suspicious activity. First, the ATM received my money orders, but could not process and freeze at the loading screen. I went inside the bank and asked for help from one of the bank associates. She refused to go out and help me with my problem, despite the customers that were waiting for their turn. She told me to press the canceling button. Nonetheless, the money orders were not dispensed out, only the receipt saying the transaction could not process. I went inside to get help again, the bank associate then helped me make a call to open an investigation. She told me the investigation takes 60 days. Ive waited patiently amid the pandemic. They dont know how my family struggles to pay for the bills. We truly need that money to pay the rent. While waiting, I received a letter from the bank, saying they saw the transaction that was made by me on XX/XX/XXXX, and that it was legitimate and authorized. Ive waited until about 40 days, I called again to check on my case, just to hear a shocking statement. They have closed my case!!!?? Without any notice and customers knowledge, its unacceptable of how they straight up deny their responsibility. They said they have investigated and could not find all FIVE pieces of my money orders. I asked about the confirmation letter that they sent me about how they received my money orders, to hear a disturbance truth that theyve sent a wrong letter!!?? I am very stressed out by their blatant lies. Ive made and recorded phone calls, talking to the bank supervisor. Literally, every time they hung up the phone while we were still talking! I know its in the middle of the pandemic, but it was a very inconsiderate thing to do to their customers. I requested to see the bank/ATM security camera, they told me they dont have the authorization, and that I have to go to the police department to file a police report. I went there, but the police department is closed due to the pandemic. I then called the number on the notice of their front door. A woman greeted me and I told my story. She then told me the police do not solve these cases unless theres a robbery or a murder, and that my case is only a civil case. The bank has every right to open the security camera to see the footage. She told me to speak to the bank supervisor and ask for a subpoena. My life has been stirred up because of their irresponsibility. I do not wish to make this a big deal, which I could. I am filing this complaint to the CFPB as my last action before I made this a big deal, if the bank keeps hiding and denying their responsibility. I am begging you, the CFPB to bring me justice and show them their wrongdoing. Thank you very much.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Service Bureau (FL)

I have received approximately XXXX repeated calls all within a 10 minute time frame. When I call the number back I do n't get any information as to who or why I was contacted. The agents that answered the phone were very disrespectful, and would not provide any company information or any other identifying characteristics.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NE)

Hi Good morning, Well I have too many debt that I need to pay off, I didn't want to take a loan because of my low credit. And I reach out to my Aunt to help me with some money and I'll pay her back, She reach out to her friend XXXX XXXX XXXX and she sent me Wire transfer and the last one she sent is {$55000.00}. I had to withdraw some cash from my bank to renovate my house and do some other stuffs, I went to the bank to get my aunt XXXX a cashier check because that was the agreement with her, she also need money and she's taken part of the money her friend wire to me, BMO refuse to honor and verify the check to her bank. I called and explain she's my sister and they should verify and allow her to cash the check but they insists no, they want to know who send me the money and what's the relationship between us, even after I tell the guy that call me it was my aunt friend that send me the money, even though I don't know if my aunt borrow the money from her, BMO still insist that she sending me money almost 3 times is a fraud and my account was freeze, I reach out to my aunt and XXXX call her bank, XXXX  and they said to her they didn't call BMO for a reversed and no complaint, BMO just decides to held my money hostages and denied me of spending it. 

I got angry and open a new credit union.its much closer to me and they pay dividends and I went to BMO bank to request that they should wire my money to the new bank account, They insist they won't do anything for me, I request I wanted to close my BMO account, they insist they will not close it and that my account is freeze now. Omg what the XXXX is that, why will you freeze my account when there was no complaint sent from XXXX where the money comes from, You just concluded its a fraud because I came to withdraw a CASH and then a cashier check after some days. I need help from you CFPB, BMO just want to stole my money and denied me access to it. Please help me.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XX/XX/21 and previously, letter to Experian and XXXX was mailed. I informed them that I had previously disputed Chapter XXXX XXXX, and in response each bureau verified the item as accurate, stating they have verified the information with the court and XXXX. I have contacted both court and XXXX and their response is enclosed.
Consumer complaint received 2020-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED CREDIT CORP. OF SOUTHAVEN (MI)

They made me send hundreds of dollars for fees I knew nothing about. Each time telling me it would be the last payment and I would receive my loan. Which never happened. An additional fee popped up every time. And they wanted more money. Almost more money than the loan itself. I have asked for a refund of all the money I sent because I got fired of additional fees popping up. Ive received nothing. They stated I would receive my money via check. I never got it. Called and asked about it they ask for my address as if they were sending it now when it should have been sent. They did this twice. They stop answering my calls. All I want is my refund of the money I sent. It has been about 2 months..
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX