davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation (CA)

Explained to collection company ( Pacific Credit Exchange ) this is not my and i wish to dispute this, they replied " NO '' and hung up the phone on me. mean while the letter my bank received was a Live to take and block my bank account. this is not me in year 1989. never had car nor did i deal with a loan company " EVER '' i need help from you, please. saying i bought a XXXX XXXXXXXX XXXX ... .l never own a car like that. they are leaving me very confused and they wont let me DISPUTE this, Ive done as much as i can to try and clear this MISTAKE with no positive result, so what do i do next?
Consumer complaint received 2022-05-02
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: BARCLAYS BANK DELAWARE (NC)

I am following up on my prior CFPB complaint ID # XXXX, Barclay 's did not resolve the dispute, they stated they have only reasserted the claim. I have not received any return calls from Barclay 's either, after leaving 3 voicemails with the Office of the President. If there is an investigation ongoing regarding the dispute, I should have at least received a phone call by now. This needs to be corrected immediately and the {$330.00} refunded to my credit card.
Consumer complaint received 2023-03-21
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: LEXISNEXIS (TX)

they are furnishing information that is not verifiable or accurate. 15 usc 1681 states about consent from the consumer. i have never gave you consent. Sent few complaints and you telling me verfied through pacer systems .That is a third party who did you talk to do a investigation to see if the information was accrurate.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My social security number was stolen from me and accounts were opened in my name. There is one more account that was opened in my name that wasn't me. Please remove the remaining account. I have attached my federal trade commission report along with any other supporting documents. Thank You!
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Retail Merchants Associates (LA)

I have been trying to pay off bills and collections since XX/XX/2016 in hopes of purchasing a home for my child and myself to call home. I have not been able to get a student loan off my credit report with a balance of over XXXX. The student loan was transferred over to a different company. this company transferred over back on XXXX, payments are being made every month out of my account and on my credit report it is showing that I have a student loan outstanding amount of XXXX which keeps my credit score down. I have disputed and can't seem to get this off my credit score. 

why is it that when something negative is reported on my credit report, my score drops 30 to 40 points and when something positive is noted the score only goes up like 6 to 11 points? I am beginning to think I am being discriminated against with the report of the credit reporting system. Some of my co-workers have credit scores of XXXX or more, some of which have gone through chapter XXXX 's and car loans, etc. but have a score of XXXX and buying a home.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have hard inquiries on my account and I will like for them to be remove and I also have paid my credit bill on time I try to apply for credit in store lice XXXX XXXX and something keeps not letting it go though.
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-07-30
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)

I have 3 accounts listed on my credit report that I have requested that Trans Union verify and send proof of verification of the payment history and the balance. XXXX XXXX is being reported as being sent to collections with 30, 60 and 90 day lates and charged off. I have requested proof from Trans Union that this information is correct. According to my records and XXXX XXXX this account did not go into collections, has never been late and has a {$0.00} balance. XXXX XXXX XXXX is listed twice on my credit report for 1 loan and with a total balance of $ XXXX. There is only one loan, and the balance is {$0.00}. I have requested 3 times for Trans Union to verify these accounts. And all 3 times they have came back as verified, but will not send me any proof. They list only a partial account number on my credit report so there is no way this information has been verified.
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

This is the 4th Collection agency to attempt to collect. Please refer to my original complaint submitted on XX/XX/18, CFPB number XXXX. My dispute this time is with Convergent who is attempting to collect this debt of {$260.00} As with the other collection agencies of XXXX, this debt was never verified. This has to stop. I am attaching the paper work from my original complaint and the lastest collection effect.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MD)

I recently opened an account with Venmo. After a few days, my account was frozen and ultimately indefinitely deactivated. In the course of this I received {$140.00}. Venmo now refuses to return the money to the original sender for 180 days. The first reason for the deactivation was that I violate the User Agreement. Then I was told that Venmo had concerns about my recent activity. Then I was told that Venmo had security concerns. Despite repeated requests that I be advised as to how I violated the User Agreement, what recent activity was concerning and what are the security concerns Venmo refuses to provide the information and continues to withhold the funds.
Consumer complaint received 2018-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for a payday loan. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to Midwest recovery and letters sent out to Midwest recovery, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine. I also sent a letter to all three credit bureaus regarding this matter, and have yet to receive documentation proving that this debt is indeed mine.
Consumer complaint received 2018-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I reached out to all three credit bureaus about multiple inquiries on my file from capital one 4 listed and XXXX XXXX and XXXX. I let them know that I have a alert that I must be called before issuing credit. I let them know that I have not been reached because number on file is incorrect and companies can not pull my file without notifying me. I asked companies directly about this and they always forward me to XXXX, XXXX or XXXX. ( Multiple calls ). I am sent back and forth and multiple calls with no appropriate help. I would like these inquiries off my credit report I feel like they should not run my credit without the proper permission. Please assist in helping me to remove these unauthorized inquiries
Consumer complaint received 2020-11-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

Beginning in XXXX of 2019 we began working with Cardinal FInancial Company in XXXX NY in an attempt to secure an FHA mortgage. XXXX XXXX Loan Originator | NMLS XXXX, assigned his newly hired cousin, XXXX XXXX, who does not show as an agent on their site. 
This dragged on for 8 months as they constantly lost paperwork which I would resend from the original email to prove I was complying with their requests. 
We were given several tentative closing dates beginning in XXXX, XXXX and XXXX. 
With Covid luming we were panicking about furloughs. They told us not to worry there was a 6 week grace period. My daughter 's company furloughed her last as they knew our situation. Well, our lawyer and XXXX were waiting for the place and time and the night before closing they told us the rules had changed and deal was dead. 
Prior to that, three weeks before this XXXX date we received a call at XXXX from Mr XXXX XXXX us we needed an additional {$10000.00} to show in our bank account, of course I panicked. I was then shouted at by Mr. XXXX, money or deal is dead! I managed to pull it off. 
They also had us pay off numerous accounts and wanted us to pay off my car loan at the table. They made numerous promises to my car loan company which obviously all fell through. 
There was a conversation between my daughter and Mr XXXX, because he had me so upset, in which he proceeded to scream and curse and her telling her it was a tough deal and it was our fault, to get an apartment. This conversation was about a month before it fell through. 
I spoke with their advocacy department who referred us to the manager, which was Mr. XXXX.! from there it went to the east coast manager whose lack of professionalism explained why the local office operated the way it does. 
We were promised the inspection money returned to us, which of course did not happen and is the least of our worries. 
In spite of Covid we are back on track and have attempted to secure a loan with two other lenders. Apparently Cardinal did some irreversible damage to us. 
The home we have been renting for 10 year will be going to auction and we will be homeless as of XXXX during a pandemic and with an XXXX  XXXX,
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (GA)

XXXX XXXX Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called XXXX XXXX and they reported that it showed that the amount had been paid in full on the said date. 

However, Equifax is still reporting the debt as owed.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

On XX/XX/2020 hackers accessed my XXXX account and three unauthorized orders of cell phones from XXXX were purchased using my HSBC debit card. 

None of these orders were authorized. 

See all three orders attached. Note that one was caught as fraudulent and canceled by XXXX ( when they froze my account as it was hacked ), one was disputed and refunded, and the last was not refunded. Another order was refunded after I initiated a dispute. The third order, for {$960.00}, was disputed, but denied in dispute by HSBC. 

It should be very obvious to HSBC that I would not purchase 3 phones in the span of 2 minutes at XXXX in my local time. This is why XXXX recognized my account had been accessed without authorization and froze my account and reset my password. 

In HSBCs response to me, HSBC made note of the sellers response, but did not reference my letter or evidence provided to HSBC previously. 

This is very obviously a fraudulent purchase and should be refunded in full, as I noted in my many letters to HSBC. No refund was given. 

Im attaching multiple conversations with XXXX customer support, and the merchant, where I alerted them to the fraudulent purchases. Refunds were issued for the {$1000.00} and {$690.00}, but not for {$960.00} as the merchant has been uncooperative. 

HSBC refused to refund the amount and ignored my many letters and didn't return my many phone calls and voicemails.
Consumer complaint received 2021-06-09
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: Santander Consumer USA Holdings Inc. (AL)

In XXXX of XXXX I received communication regarding a settlement with the Creditor ( Santander ) that stated between XX/XX/XXXX and XX/XX/XXXX the company violated consumer protection laws by making auto loans accessible to borrowers who were likely to default on those loans and due to this settlement Santander is required to forgive the remaining balance on my loan and also required for the loan to be removed from my credit reports. I have sent in multiple communications with little to no response from the company. They previously advised this should be removed but nothing has been done.
Consumer complaint received 2021-09-19
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. (PA)

I HAVE SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!
Consumer complaint received 2018-07-29
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: Experian Information Solutions Inc. (KY)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately.Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/2018
Consumer complaint received 2018-07-29
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. (KY)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are  unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
Inquiry : XXXX Date of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/2018 Inquiry : XXXXDate of Inquiry : XX/XX/2018 XXXX XXXXDate of Inquiry : XX/XX/2018
Consumer complaint received 2018-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 
XXXX/XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX