davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion. XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 10. XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16. XXXX XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXXXX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX  XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXXXX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XXXXXXXX XX/XX/XXXX 32 . XXXX XXXX XXXX XXXXXX/XX/XXXX 33. XXXX CRED XX/XX/XXXX 34. CREDIT XXXX XXXX XX/XX/XXXX 35. XXXX XXXX XXXX XX/XX/XXXX 36. XXXX XXXXXX/XX/XXXX 37. XXXX XX/XX/XXXX 38. XXXX XXXX XX/XX/XXXX 39. XXXX XXXX XXXX XX/XX/XXXX 40. XXXX XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XXXX  XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XXXX XX/XX/XXXX 46. XXXX XXXX XX/XX/XXXX XXXX : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXXXX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX XX/XX/XXXX TRANSUNION : 1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX  XXXX XX/XX/XXXX 8. XXXX FA XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXXXXXX XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX  XXXX  XX/XX/XXXX 21 . XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XXXXXX/XX/XXXX 25. XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXXXX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX  XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XX/XX/XXXX 32. XXXX XXXX - XX/XX/XXXX 33. XXXX  XXXX XX/XX/XXXX 34. XXXX XX/XX/XXXX 35. XXXX XXXX XXXX XX/XX/XXXX 36. XXXX XX/XX/XXXX 37. XXXX XX/XX/XXXX
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

The collection agency has garnished my wages in a debt it have told them not mine provide proof, they dnt. I was a victim of Id theft. I provided the report of police report that was filed on the account I was aware of at times.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to race and gender as my score is drastically different than my XXXX counter parts who have much more debt than I do
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

XX/XX/XXXX, Select Portfolio Servicing Inc, sent a letter showing the lien holder had released any claim or lien on my mortgage # XXXX secured by my home at XXXX XXXX XXXX, XXXX, LA XXXX. I was not aware of this and continued to make my mortgage payments until I received a letter from the IRS auditing me for debt cancellation that I was unaware had been reported. I contacted Select Portfolio Servicing ( SPS ) to find out why they continued to collect my payment. I also requested that I be refunded those payments dating XX/XX/XXXX up until XX/XX/XXXX. This request was put in on XX/XX/XXXX at XXXX pm via XXXX, where I consented to record our conversation about this. On XX/XX/XXXX at XXXX pm I followed up to get an update and spoke with XXXX and said that the request is taking a little longer because they have to go back so far. On XX/XX/XXXX at XXXX on a recorded line, I spoke to XXXX and was informed that SPS will not be refunding me any of the payments they received after the debt was cancelled. At the age of XXXX, I feel like they have taken advantage of me and my level of understanding.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

The debit card listed as the payment method on my XXXX website account was cancelled in XX/XX/2021. I did not pay the debt on my account until XX/XX/2021, which was {$28.00} at the time. I called XXXX directly, gave them my new card number, and paid the debt on XX/XX/2021. Despite this, I have received multiple letters and phone calls attempting to collect this debt.
Consumer complaint received 2021-03-29
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. (SC)

There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc. (PA)

I have received multiple calls from multiple numbers. I have not received anything in writing about the debt to date. They call 6-7 times per day and DO NOT answer the phone. One guy burped in my ear, another was talking to his colleagues and hung up. Most of the calls they hang up. I've had to resort to blocking multiple numbers as no one answers. I believe its Tek Collect? 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

In 2014 XXXX cell phones were sent to me, that I had not requested from XXXX. They did not allow mw to return these XXXX phones and wanted payment, which I said was not going to happen. They started a collection process in 2014, and I never paid a single thing to them on this account, and it was a constant harassment process from the collection agency, Jefferson Capital. Recently they fraudulently started another attempt to collect a debt from me on this old account which has been eight years from the first attempt, trying to make it appear as a new collection when in fact its more than eight years old. I have correspondence from those old collection efforts and I never paid a thing, because I never requested the phones in the first place. I still have the unused phones and XXXX willing to return them, but have no idea how to do so. 
Let me be clear the phones were never activated or turned on, they are still in the original boxes. Trying to regurgitate an old account as new should be criminal. 
I want this removed from my credit report, please help me get this accomplished.
Consumer complaint received 2021-06-08
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. (NJ)

i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Hello my name is XXXX XXXX and I had made some transactions regarding a service I was expecting. Further along the lines I ended up finding it was a fraud/scam and immediately contacted my bank when I learned about it. I made a claim/dispute with my bank regarding the fraudulent transactions made and they said they can not refund my money because I authorized the purchases and agreed. I have been scammed and lost exactly XXXX. If I were to have know the sooner about the fraudulent services I would have never allowed the transaction to be processed. Thank you.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have a mortgage for my primary home through Freedom Mortgage based our of NY. I have been paying them on time for the last 5 years with a Direct deposit on the last day of the month without a miss. 
Last XXXX, they categorized one of the payments into suspense and marked my regular mortgage payment late. 
Since then, they did not want to acknowledge the error and correct the statement because of which I am not able to refinance. 
I tried working it out with the company for last 6 months with no success!!!!
Consumer complaint received 2020-01-27
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. (NJ)

I was in a accident in XXXX. I have loan with XXXX  XXXX. They have no remorse for there customers. Im trying to refinance my car to go to another bank but I cant because I was reported late to the credit bureaus. This is a severe situation. I believe there ploicy is to keep you with them. I pleaded with severe hardship.I lost an XXXX and Im so distaught my family is to I need help please I need the XXXX late removed please
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kingston Data & Credit International Inc. (WA)

Account was paid in full and closed due to seriously injury requiring XXXX XXXX XXXX/moving out of state. Any charges afterwards are fraudulent charges made by XXXX XXXX XXXX. 

Further, no written notice was received by me from XXXX XXXX XXXX  by email, paper mail ( which was forwarded to new out of state address ), or my mobile number, stating that any amount was due or that any amount was sent to collections. 

Any additional charges claimed by XXXX XXXX XXXX are fraudulent attempts to invent a debt that is not owed.
Consumer complaint received 2020-11-05
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: EQUIFAX, INC. (AR)

I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-13
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. (DE)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's identity theft affidavit. Please delete these items as soon as possible thank you
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2020, I opened a Chase Total Checking Account. On XX/XX/2020, I set up a direct deposit to my account from my employer to take advantage of a promotional offer of {$200.00} for a new Chase Total Checking Account with a direct deposit set up. However, when I opened my account with Chase, the webpage timed out and removed the promotion coupon from my application, without my knowledge. On XX/XX/2020, I spoke with a Chase Customer Service Representative, and they proceeded to tell me I did not qualify for the promotion.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I tried disputing this address off my credit report but it still remains the on my history. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Address Identification Number : XXXX
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My XXXX  XXXX XXXX credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXXwith a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX  XXXX is still reporting the account as open through XX/XX/XXXX with Equifax and XXXX ( XXXX is reporting closed status as ofXX/XX/XXXX ). In addition, XXXX  XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called Bank XXXX XXXX XXXX XXXX asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is inaccurately reporting a balance on my credit. Please see the attachment directly from XXXX indicating that I have no financial obligation with them. This account was mistakenly reported delinquent due to the erroneous processing of XXXX XXXX XXXX. Please delete this account from my credit and erase the balance. Thanks. 

XXXX # : XXXX
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Affidavit of Truth I as the consumer have the right to decline the inaccurate reporting of the negative information furnished on my credit report by Capital One pursuant USC 1681B.I did not give written consent for Capital one to furnish this inaccurate information pursuant USC1602 Original Creditors-Truth and lending act, a consumer has a right to privacy. Capital one never furnished a copy of ( GAAP ) Generally Accepted Accounting Principles audit trail of them lending me credit pursuant USC1602J.This company continued to call me multiple times a day and send emails threatening legal action against me when I had already asked them to stop pursuant USC1602a Truth and Lending Act This scare tactic and harassing behavior occurred from the years XXXX. I specifically received an email threatening legal action on XX/XX/2020 from Capital one, attempting to collect a so called debt totaling {$1300.00} in which again they never provided the GAAP audit trail or show proof that I indeed was loaned anything as a consumer. I demand as a consumer for this negative inaccurate information be removed from my credit with all 3 major credit reporting agencies ( XXXX, XXXX, XXXX  ) report immediately. 

XXXX XXXX
Consumer complaint received 2022-01-13
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. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX ( Original Creditor : ) XXXX
Consumer complaint received 2021-08-19
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.