davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 these places has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2016-08-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (MN)

XXXX XXXX XXXX represents Midland Funding , LLC. They filed for a judgement against me XXXX XXXX, XXXX. We filed an exemption claim notice with them because most of our income is from Social Security, we did this on XXXX XXXX, XXXX. My total income is {$900.00} a month, out of which I pay {$74.00} a month for a supplemental health insurance payment. This debt is in my name only, my husband has nothing to do with it. 

I filed a cease and desist with them on XXXX XXXX, XXXX. I have never retracted that Cease and Desist, consequently, they have not contacted me by phone, up until this last week. I have received a phone call from XXXX XXXX XXXX, at XXXX XXXX, on XXXX XXXX. I did not catch the women 's name that called, but she was calling to collect on this debt. I have a photo of my caller ID with the date and time of this call from a representative from XXXX XXXX XXXX. The phone number listed is XXXX. 

It is my understanding that once a Cease and Desist order is in place it is unlawful for them to contact me by phone.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I purchased furniture at Ashley 's furniture in XXXX 2016 ( total {$3100.00} ) and signed up for a 24 month same as cash credit card. After a year of paying on it, I was hit with {$960.00} in interest. I looked at my paperwork and the comments state " stars and stripes no interest 24 months tax. Below that it shows they only gave me the 12 month same as cash credit card. I have worked with the District Manager and they will only credit me back 1/2 the interest because they say it was signed. I have asked for the original paperwork ( with signatures ) 4 times now and they still have not sent it to me. I only have the paperwork that does not have signatures. So what I " thought '' I signed up for, I did not receive. I feel like they should honor the 24 month interest that I was promised.
Consumer complaint received 2016-06-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (AL)

I have a loan on my credit report that has been sold to AFNI from a company called XXXX XXXX. I contacted AFNI and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On  XXXX   XXXX ,   XXXX  , I became aware of a fraudulent transaction of {$87.00} charged to my debit card on  XXXX   XXXX  by  XXXX . I called my ban k ( Chase ) o n  XXXX   XXXX  to clear this up and was told that I would be given a temporary credit for said amount until an investigation was conducted. Today, on  XXXX   XXXX ,   XXXX  ,  Chase  decided to reverse the credit. I contacted the bank and the representative told me that  XXXX  provided my name and address and said that it was strong evidence that the transaction was legit. I feel that this is merely evidence that my information was stolen. I have never made a single purchase from  XXXX . Furthermore, I use my debit card daily for so many things and would not lie abou t this one transaction.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX, XXXX XXXX EXPERIAN all lf them reported me as a delimquent while that account was not mine.I tried to dispute.Some corrected info, some not, but never updated my score which went down from mid XXXX to upper XXXX. 
I tried talking to all of them they kept on ignoring my request
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I returned a XXXX to XXXX XXXX. It was NEVER used. Now, I am receiving a debt collection letter for {$200.00} from Transworld Systems Inc . I am not going to pay the {$200.00} for something that I returned to the company! Please help me! I do n't want this on my credit report. Never mind the fact that XXXX XXXX constantly tries to contact me to return as a customer!
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

I have a business account with square, to receive credit card payments. Now Ive been with them alittle over a year or so. I have received thousands in transactions and sales, being I am a XXXX. Well square is constantly holding my funds with no reason or rhyme. I asked them about it they said it was normal, I said why if my customer pays with a business credit card are my funds still being held, they had no answer for that other than this is protocol Im sorry thats not good enough. Banks shouldnt hold payments that cleared or credit card charges this isnt fair or right for consumers. Nowhere do they advertise that they hold allllllllll transactions. Not some, all. Which means my team cant get paid, expenses cant come out. Theyre holding up business operations for no reason. Im not sure what theyre up to over there but it cant be legal. Oh and they wouldnt transfer me to any supervisor, apparently management has no phone panel I call XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (PA)

I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through lexus nexis, innovis, sagestream XXXX never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with XXXX removing these fraudellent accounts
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I paid my car off on XXXX XXXX, 2017 with Credit Acceptance Corp. 
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}. 
This is not true. I have contacted all three credit reporting agencies and Credit Acceptance Corp. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me Credit Acceptance Corp is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days. 
Somebody please help me im at my wit 's end. 
Someone please do something!!!!
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

Equifax is reporting 10 months of no information on my account with  XXXX   XXXX  vehicle loan. Equifax intentionally removed the  ten  months of payment history in an attempt to lower my credit score. Equifax previously did the same thing in    2016  and was only corrected after I filed a complaint with CFPB case number  XXXX . I contacted  XXXX   XXXX  to advise them of this problem and they advised that they would reach out to Equifax. Please see attached email chain. I am having the same problem with Equifax with another vehicle loan I have that is with  XXXX   XXXX . There is  twelve  months of payment history missing from that account. Once again this is a deliberate act to ensure that my score stays low. I work hard to pay my bills and should not be intentionally harassed by Equifax who is suppose to be an independent reporting agency.   XXXX   and  XXXX  have both accounts reporting correctly.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$440.00} XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account Balance : {$2400.00} XXXX XXXX XXXX Account XXXX Account Opened : XX/XX/2023 Account balance : {$720.00}
Consumer complaint received 2019-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX XXXX  XXXX XXXX**** Unverified Account XXXX XXXX   XXXX**** Unverified Account XXXX XXXX XXXX XXXX**** Unverified Account XXXX XXXX XXXX**** Unverified Account XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX**** Unverified Account XXXX   XXXX XXXX/XXXX XXXX**** Unverified Account
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MT)

XXXX XXXX tried to debit my account {$10.00} on the XXXX of XXXX, the transaction failed duebto lack of funds. I contacted Cash App to stop future debit attempts by XXXX XXXX with whom I have filed an FTC complaint, as these charges were fradulent and unauthorized. Cash App refused stating they won't stop XXXX debits, and they won't block this merchant.
Consumer complaint received 2017-08-25
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2017-08-25
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. (KY)

On XX/XX/XXXX I received a reply from Experian regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. Experian says the information is verified as accurate. 

But that 's wrong ... as you 'll see by the attached report with my notes & supporting letter from the US Bankruptcy Court Clerk stating that it does not verify information. So ... Experian has been lying about verifying directly with the source ... which is exactly how they are supposed to verify any reported information. Otherwise, it 's false! And in this case ... it 's also inaccurate. 

Furthermore, Experian is not supposed to score the contested information against me during the verification process. Experian has violated the Fair Credit Reporting Act on numerous occasions. 

Experian has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX XXXX XXXX. If they had, they would 've discovered that much of what they 're reporting is inaccurate and incomplete. 

I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX XXXX XXXX. I have also attached a letter from the US Bankruptcy Clerk that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like XXXX. 
This is not reliable, and is prone to errors. 

But Experian has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to Experian. 

Lastly, Experian has also continued to show my full Social Security number directly on the credit report ... instead of masking all or the majority of my Social Security number. 

I am demanding that Experian be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX XXXX XXXX ).
Consumer complaint received 2017-06-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

initial transfer was  XXXX   XXXX ,  2017  ... .sent  XXXX  +  XXXX  charge to   XXXX   XXXX   in   XXXX   ... to   XXXX   XXXX   ... at that end they say the money has not arrived ... I have called penfed credit union, sender of intial transfer at least  two  ealier times for reason ... .have yet to get a valid explanation why after 11 days account there has not been credited with funds ... called them today and still get runaround ... need cfpb assistance in having this corrected
Consumer complaint received 2017-08-25
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows :
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The three credit Bureu still showing all accounts closed, paid in full, also have student loan closed due to my XXXX, please somebody help me I am so tired to leading with this problem. 
Cause me hard time and disappointed in my life. 
I need my credit back. 
Thank you very much XXXX XXXX XXXX
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XXXX/XXXX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ownership Individual Original Creditor - Company Sold-to
Consumer complaint received 2024-05-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PLANET HOME LENDING, LLC (GA)

My wife and I provided a gift of a sum of money to assist my XXXX and XXXX XXXX XXXX  in purchasing their home. I was required to provide a Bank Statement, against my wishes, to the closing firm. The closing Firm deleted the Bank statement, and then I discovered that Planet Home Lending had my Bank Statement. I am not the mortgagor, nor am I a customer of this firm. Planet Home Lending has my Bank Statement against my wishes, as it subjects me to Identity Compromise. As you can see from the attached, unsatisfactory, unsigned response from Planet Home Lending, they refuse to remove the Bank statement, and thus they refuse to remove the potential of Identity Compromise. Having experienced Identity Compromise on several occasions, including a Mortgage firm, I have not confidence in Planet Home Lending 's ability to preclude Identity compromise. Thus, I require them to destroy any Bank Statements of mine that are in their files, both paper and electronic, to preclude me from being subject to Identity Compromise. There are no statutes that require them to keep my Bank XXXX. It is simply their policy, which they can elect to change.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have numerous dates from  XXXX   XXXX  until  XXXX   XXXX  to resolve a  XXXX   XXXX   XXXX   XXXX  account inaccurately reported on my Transunion and   XXXX    XXXX  Reports. The issue has been fixed on my  XXXX   XXXX    C redit Report. I recently received a letter from  XXXX   XXXX   XXXX   XXXX  that I did not initiate. I am enclosing a letter to CFPB and additional enclosures of proof.  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and Last letter  XXXX   XXXX ,  XXXX  have sent dispute letters. Two letters were returned addressed to Transunion, therefore I sent out last letters via certified mail.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XXXX/XXXX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments