davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. On this account ( XXXX ) some months are reporting as late with your company but the other two bureaus are reporting something different this means that the account has not been properly verified. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by XXXX XXXX XXXX for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute XXXX XXXX XXXX deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by XXXX XXXX XXXX nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it?

I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with XXXX XXXX XXXX, Transunion, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CA)

On XX/XX/2020 I initiated a transfer using Xoom a XXXX service, of {$5000.00} ( usd ) from my XXXX XXXX account to my XXXX account at XXXX  XXXX XXXX. I am a XXXX citizen and have made similar transactions in the past successfully and without incident. The money never arrived notwithstanding that on XX/XX/XXXX Xoom withdrew the money from my XXXX XXXX account. XXXX  XXXX  XXXX XXXX insists they received no such transfer and there have been no deposits to that account in weeks. I have complained to Xoom in writing daily now for 7 days. They have called me twice and basically tell me its not their problem. So from my point of view they have stolen $ XXXX from my account and I have no recourse. I should add I used their app to make this transfer request. The app allows you to resend money to an international account that you have already used without re entering the prior information. So if this transfer got corrupted, it was corrupted by their technology. I have sent documents Xoom has requested. But their response is a complete abdication of any responsibility which calls into question how they can be legally allowed to offer this service. I am at a loss as to what to do next.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment over 3 months ago using Capital One and that payment was immediately denied. Last week that payment which happened 3 months ago was taken out of my checking account without my permission. When I called Capital One they said it was a system failure that day and the payment I originally made went through. I was told that this happened to many customers on that particular day. When this was denied I made other means of payment. When Capital One took my money out of my checking they gave me no notice and caused my debit card to be declined several times.I disputed this charge but to this day they keep giving me the run around and will not send me the forms to fill out. I called three times without any help. I took screen shots of the message i received from Capital One when the payment was denied. They have since removed that document and have covered up any wrong doing. I would love to post that screen shot here if possible. I also received a text message from Capital One that said payment was not accepted. Thank you for your time.
Consumer complaint received 2017-08-11
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. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (NY)

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2023-01-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

A collections account has been placed on my Credit report by a third company regarding the same alleged debt. This third company " Consumer ADJUSTMENT CO '' has placed a collection account on my credit report in the amount of {$580.00}. As stated earlier this is the third time " XXXX XXXX '' has been placed on my credit report via a third party collection agency. This alleged, false debt has been previously addressed with XXXX XXXX XXXX and most recently with XXXX XXXX solutions. I have previously filed a complaint and the complaint was resolved by XXXX XXXX XXXX deleting the account from all of my credit reports. The complaint I filed with the CFPB has a reference number of XXXX. I have no knowledge of Consumer Adjustment Co prior to seeing the account on my credit report. I have never had an account with this company and have also never had an account with XXXX XXXX. Consumer Adjustment Co has placed this account on my credit report without any prior notice to me. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-07-26
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. (NC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX, those accounts are listed on the attachment as result of identity theft.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (UT)

I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I went to use my credit card for gas, it was declined so I tried another card, it was also declined. I go to use another card, same thing. My dog was in the hospital & I went to pick her up, my other card was declined. I went home & checked all my accounts, all were closed with no warning. I have 11 accounts with Synchrony Bank & all were paid on time, never late & had very high limits. I was not even close to the limit on any of the cards. This has ruined my credit and left me in despair. I have been with this company for many years. I have contacted this company several times & nobody will give me an answer as to why they have ruined my credit or closed all my accounts. The company keeps saying they have mailed letters as to why, they have not.
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Cumberland Financial Services, INC. (KY)

I obtained an interest free loan from Cumberland Financial Inc, XXXX, KY, for a hot tub I purchased in XXXX of 2020. This was supposed to be interest free or same as cash for the duration of the loan. However, Cumberland Financial has added interest onto the loan stating that due to a attempted auto payment that did not go through back in XX/XX/2020, this is no longer an interest free loan. I have had difficulty every single month with Cumberland charging the incorrect bank account. They said they have 4 different bank accounts listed for me. I told them over and over which is the correct account yet they continue to charge the incorrect account. I have NEVER been 30 days past due on this account! However, Cumberland Financial said because the payment was 10 days past the due date, they automatically took my account off of the interest free status. The reason they received the payment ten days past the due date was because they tried to charge the wrong bank account! Also, conveniently, they never called to inform me the payment didnt go through until after the ten day period. Obviously, this Is pretty shady and completely unprofessional! Cumberland Financial does not have a website that you can go to in order to make payments online or even check your account like most companies in 2020! They purposely make it difficult to monitor your account and/or make payments! The only way to check on your account or correct your banking information is to call somebody. Clearly this gives room for human error to occur. The employees and manager of Cumberland Financial are completely unreliable and unprofessional! I fully believe they are running a scam on their same as cash financing! They purposely charge the wrong bank account for your monthly payment and then inform after their 10 day late policy, in order to remove your account from the same as cash status and charge you outrageous interest!!
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

I opened a Kraken  account on XX/XX/XXXX. This included providing copious amounts of PII ( understandably ) and successfully inking my checking account for currency purchases. After confirmation that my account was opened and checking account linked, I put in a purchase order for {$250.00} of XXXX cryptocurrency. The order was placed ( minus Kraken  's fee ). I then attempted a {$250.00} purchase of another currency -- - and was told that the purchase could not go through. The next day, I was told that I could not purchase through my checking account, but could use a debit card -- - and a transaction fee to Kraken that was 300 % higher. It appeared to be some sort of bait-and-switch. They told me my checking account could not be used. I checked the balance in my checking account and found nothing had been deducted. I unlinked the account. A day or so later, I was told that my Kraken account had been closed. Shortly after that, I received an email stating I needed to arrange for payment of the {$250.00}. I explained that they initailly accepted by checking account ; they had closed my account; and I had unlinked it. Over the next two weeks there were several back-and-forth emails from agents -- - always sent around XXXX XXXX time. I had also seen XXXX rise in value about 20 %. They stated I had made the purchase and wanted me to empty my account. I asked for a full accounting. On XX/XX/XXXX, I received an email stating that my account was opened and I needed to withdraw the credit balance of {$46.00}. I was able to log-on and successfully re-linked my checking account ; but when I applied for withdrawal, Kraken again stated my checking account could not be used. I unlinked the checking account again. I am demanding a check for my balance of {$46.00} to be sent to me via USPS. This is an unscrupulous and dishonest organization. They have an F rating with the XXXX XXXX XXXX
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (AZ)

I lived in XXXX XXXX XXXX in XXXX Arizona from XXXX - XX/XX/2016. I gave the leasing a 5 day notice to fix or I would be released from lease. The apartment had toxic mold beneath bathroom sink and washer/ dryer. You could not breathe in that apartment and they refused to do anything and I had kids in that house. My daughter and I were constantly in the hospital because of XXXX problems so we moved out when nothing was done. I gave them my phone number and forwarding address and told them I was moving out. I never received any documentation from them or anyone. A year later I checked XXXX XXXX and found they reported a {$7600.00} collection from national credit services without ever notifying me I owed a debt. I have tried disputing this with them and the credit bureaus but get nowhere.
Consumer complaint received 2023-03-23
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. (AR)

I am submitting this CFPB Complaint to you today to dispute an error in my credit report. According to my credit report, I have a late payment on my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. I need you to fix the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$530.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 my debit card was stolen and used i did not know until the morning of XX/XX/2020, when i called Capital One Bank i had {$1600.00} dollars of unauthorized pending purchases, i live in XXXX these purchases were made in New Jersey, i notified Capital One Bank immediately, i filed two claims with Capital One they denied both claims and are refusing to refund my money
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc. (TX)

Someone comprised my personal information in XXXX and opened a XXXX XXXXXXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (IN)

I was involved in a vehicle accident in XX/XX/2019. I was not at fault for the accident, and all my medical bills were paid by XXXX. Instead of sending one bill sent several items to collection which were on one bill paid by the insurance company. I have attempted to contact AmeriCollect to correct this inaccurate reporting. However I have been unsuccessful.