davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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. (TX)

THIS IS MY THIRD TIME FILING A COMPLAINT. EVERY TIME I FILE THE COMPANY STATES ITS FROM AN UNAUTHORIZED THIRD PARTY WHICH IS INCORRECT, I AM ME!!! I am attaching my metro 2 letter for disputes, as well as my social, license, and bill. I feel like you guys are discriminating against me because I actually want good credit. All three credit bureaus are not reporting the same information everyone different dates. I have sent multiple letters which they claim they have never received, and I have also called NUMEROUS times about this issue. I have even done disputes online. I AM XXXX XXXX XXXX XXXX BORN ON XX/XX/XXXX. 
Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and METRO 2 Five Points of Compliance
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-07-25
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. (NY)

XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.
Consumer complaint received 2018-07-25
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)

XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.
Consumer complaint received 2021-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (ID)

During the summer of XXXX I had tests done at XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX My responsibility for that testing came to {$420.00} which we paid with a check that was cashed by XXXX. This was about the same time that XXXX started using an off-site billing service. They no longer have anyone within the medical group that you can call and speak with. The bill ended up being sent to a collection agency that contacted us. We provided that agency with the check number and the financial transaction number along with date of payment, XX/XX/XXXX and when the check was cashed. The electronic check number sent by XXXX XXXX  was XXXX processed on XX/XX/XXXX, confirmation number XXXX was told at that time that the issue was resolved. Apparently on XX/XX/XXXX XXXX sent this account to another collection agency. I just got off the phone with them where they initially said the bill was {$100.00} more than originally stated, When I called them on it they stated they had misspoke and the bill was {$420.00} and they confirmed that it was sent to them by XXXX. When we try and contact anyone with the XXXX system we are transferred to their contract billing office and told the amount was sent to collection.
Consumer complaint received 2018-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX,2018, XX/XX/ 2018 and XXXX XXXX, 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Consumer complaint received 2022-09-17
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC1681. 

Equifax is govern by 15 USC1681. And they violated my rights numerous of time I demand the accounts listed below be remove because According to 15 USC1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX
Consumer complaint received 2019-06-08
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: Experian Information Solutions Inc. (FL)

Experian is reporting XXXX XXXX XXXX which is reporting a debt that is not from credit or a debt that is owed. This is not an item that belongs on a credit report.
Consumer complaint received 2017-12-17
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: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with Chase Auto Finance about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2015 Balance {$0.00} ChargeOff ( XXXX ) XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/2015 Balance {$0.00} ChargeOff ( EX )
Consumer complaint received 2017-12-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX has been invaliding reporting and account to credit bureaus for over 7 years ; this is not my account and does not belong to me for the last 7 years I have been in contact with credit bureaus and company to have this negative item removed overtime we speak they update/ renew collection account to remain on file longer. I have filed ID Theft Affavaidt # : XXXX which has been submitted to local police and credit bureaus. This account and all non account holding inquires need to be deleted from reports.
Consumer complaint received 2021-11-10
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 (CA)

On XX/XX/XXXX, I purchased round trip tickets from XXXX XXXX via my Capital One credit card in the amount of {$170.00}. However, I had a dispute with this transaction after several incidents. Capital One took my dispute and adjusted the billing initially. When the merchant XXXX XXXX responded to the claim, Capital One adjusted the billing back to my account. I responded to the merchant 's response with my attorney 's letter and several documents. Capital One then closed my dispute and stated " can not assist '' for the reason that I didn't submit any response or required documentation on XX/XX/2021.
Consumer complaint received 2020-11-19
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. (TN)

I consumer, XXXX XXXX recently reviewed a copy of my credit report and I notice several inaccuraries on my credit report. I didnt authorize these accounts and they are violating my rights according to the FDCPA. The Credit reporting agencies continues to violate my rights according to 15 USC 1692d. I have attached a copy of my FTC and Identifiers.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've had this credit card for almost 10yrs now. I started at {$300.00} XXXX credit limit, over time that limit has increased to {$1900.00}. My credit limit has not been increased over 2yrs. I have perfect payment history and great credit - XXXX credit score. I've tried twice now to get a credit limit increase and was denied. I have two credit cards- one with a $ XXXX limit and the other at $ XXXX limit. I feel this is discrimination because I'm XXXX.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (NY)

To XXXX XXXX  i have previously sent u a request to validate my debt acct # XXXX. Under the Fair collection practices Act fdcpa i have the right to request validation of the debt you say i owe you.i have given you XXXX  days to remedy the situation which is a very reasonable period. I have received no reply from you though idid receive confirmation via mail you did receive my letter. Since you are still reporting this account on my credit report you are now in violation of fcpda and are now subject to fines of {$1000.00} which i may collect from u by filing a claim in small claims court. You should also be aware that reporting such invalidated info to major credit bureaus might constitute defamation of character as negative remarks on my credit report harm my credit.im sure your legal staff will agree that non compliance with this request could put your company serious legal trouble with the Ftc.
Consumer complaint received 2023-02-23
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. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX  XXXX  XXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I have disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with Equifax it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as XXXX goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

It's been 10 days since I submitted my original complaint. 
Days after, I received and email stating they will contact me and it has been 10 days, I've tried emailing calling and nobody from Barclay 's cares about my situation.

I'm done.

I applied for 2 credit cards my wife and I under false pretenses and lies.

I don't want anything to do with the resort in cancun that sold me into a timeshare and sold my wife and I into applying for 2 credit cards. 
Please Call me or email me so you can access my account and my wife 's account so we can cancel this fraud and lies.
Consumer complaint received 2022-04-01
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 FCRA XXXX ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 4. XXXX  XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXXept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX, XXXX XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX, XXXX. XXXX 7. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) XXXX, XXXX XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX  ) XXXX, XXXX XXXX 9. XXXXept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdXXXX  ) XXXX, XXXX  XXXX 10. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) XXXX, XXXX  XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX  ) XXXX, XXXX. XXXX 12. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) ) XXXX, XXXX XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
SANTANDER XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX  ( XXXX ) SANTANDER XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX ) SANTANDER CONSUMER USA XXXX XXXX opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX )
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hello I have spoken with SPS and informed them I am selling the property and I am impacted under the Covid 19 and requested and extension on my Forberance and I have been making my Forberance payments every month. 

Instead SPS sends me threatening lets and have not ignored my request and communication and continued to harrassed me when I am trying to get support and SPS sends me threatning correspondences. Calls me all times of the night and day and I am already sick.
Consumer complaint received 2023-03-09
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. (NY)

Dear XXXX XXXX XXXX XXXX, I was notified by the 3 credit bureaus that you guys pulled my credit report. I did not authorize nor allow XXXX XXXX XXXX XXXX to pull my file. Thus under FCRA act, please inform the 3 credit bureaus that this pull was not authorize and not accurate. Please delete it off of my credit file.
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (GA)

The company Plaza Services is reporting an account that was discharged to me being a victim of identity theft. I have the police report that was filed and the Federal Trade Commission report Affidavit attached as my proof and record to have this erroneous information deleted as soon as possible. The creditor is listed as XXXX XXXX. This file was resolved almost over 2 years ago.
Consumer complaint received 2021-05-03
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 ()

PayPal have " permanently closed my account '' for absolute no reason atall despite MULTIPLE times asking them how, why etc. As you probably have received this email MULTIPLE times, it is the same issue! I had over XXXX saved up from my LEGITMATE website and they are now holding all funs for " 180 '' days. There are so many other websites offering the same products and taking the same payment methods.. PAYPAL. Why me? I have had all my images created by a designer with no copyright issues etc, never had any complaints or refunds filed etc so there was no reason whatsoever. My email linked to the PayPal is XXXX I have bills, rent, cars and human needs to pay! They do not care, I am going to fall behind financially on alot of bills as I rely on PayPal for a source of income during XXXX. 

Please help me! XXXX
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-04-01
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. (FL)

XXXX XXXX XXXX account on my Transunion and XXXX account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and XXXX and Transunion and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.
Consumer complaint received 2023-02-23
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: Consumer Portfolio Services, Inc. (NY)

After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Consumer complaint received 2021-11-10
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)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours (GA)

I request {$300.00} of my {$350.00} limit and all repayments are showing in my account. But there seems to be a repayment for {$100.00} ( without the mandatory {$3.00} fee ) and without a tip. And no one can explain to me how or why.