davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021
Consumer complaint received 2021-05-04
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Works & Lentz, Inc (OK)

I have already told this company not to contact me at work. Today on XX/XX/2018 they called my cell phone XXXX and when I did not answer they called my work number XXXX. I stepped outside to call this company and tell them that they are not to be calling my work and the man refused to acknowledge that he was taking it down as a formal request until I verified all this debt information. I want these people to stop calling me at work. I have already requested this and he told me it's not how this works. I know my rights.
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Crossroads Systems Inc. (NE)

I applied for a PPP loan through XXXX XXXX on XX/XX/21. I was SBA approved on XX/XX/21. They then sent an email saying my documents will be sent to me in 2-3 days. I got my documents to sign for funding XX/XX/21. I was not able to change my banking info they sent another email to update my banking XX/XX/21. They then sent an email saying it takes 2-4 business days for my funds to be in my account. It is now XX/XX/21 and I have emailed them and chatted with them everyday and they told me to be patient and they dont have a ETA on when my funds will be sent to my account. They do not have a phone to contact them, the lender Capital Plus Financial doesnt have a way for me to contact. I have emailed the CEO of capital plus financial every single day which is the lender and I have not heard anything from them at all.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. It has come to my attention your financial department of JPMorgan Chase & Co, can not disclose to a nonaffiliated third party any of my nonpublic personal information. In addition It has also come to my attention that your financial department does not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. I would like to request a audit trail according to XXXX ( Generally Accepted Auditing Standards ) to show proof of this loan. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the account to be reopened, with the original limit set to {$10000.00} and zeroed out each and every bill cycle upon lack of supportive documentary evidence. Notice, any financial institution that requires a consumers social security number to apply for a loan on any application, knowing theres no money to lend is a felony.
Consumer complaint received 2019-03-21
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. (MI)

XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY EQUIFAX CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY XXXX  CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX. 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (MD)

I recently requested a copy of my credit report and when I was looking it over I noticed several inquiries on there that I have no knowledge of and did not authorize. I have tried to dispute this with XXXX, Equifax, and XXXX. The letters I received back from them stated that they would remain on my report for 2 years. I even filed a report with the Federal Trade Commission because I did not authorize these inquiries.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

My homeowners insurance was not paid in a timely manner, as of today XXXXhas not been paid. I received a bill from XXXX yesterday XX/XX/21 indicating no payment received. 
I have an impound account with Flagstar mortgage. My renewal bill was due XX/XX/XXXX. Flagstar said that they received a bill on XX/XX/XXXX and paid the mortgage insurance through a check which could take up to 10 business days. 
XXXX has indicated they sent out two renewal letters to Flagstar. One dated XX/XX/XXXX and XX/XX/XXXX. 
XXXX has stated that they have not received a payment and that as of XX/XX/XXXX I do not have homeowners insurance as a result of the non-payment. 
I am forced to make a payment out of a credit card until they receive the payment. 
I have filed a complaint with Flagstar as they can not make a payment or expedite a payment. And I have filed a complaint with XXXX as they have not received a payment and therefore my account has lapsed. 
At this point my only option is to pay out of pocket on a credit card. I feel this is a discrepancy on both parties and I as the consumer are placed in the middle due to discrepancies. 
I do not want this to happen to others and so I feel I need to use my voice to at least have it documented. Thank you
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

Paypal randomly closed my account and left a negative balance of $ XXXX. I had {$200.00} in my account and i could not access it because they paid in favour to a client whom i sent proof to paypal that their services were done and they were still asking for money. This left me in a serious finance situation as paypal saw it as justice to repay the client, whose services were completely done for and still closed my account. i had a positive balance of {$200.00} and i would like to have it back. my email address is XXXX XXXX
Consumer complaint received 2021-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I received a text at XXXX XXXX on XX/XX/21 saying " Chase Fraud : Did you request to send a transaction for {$5000.00} Reply YES to verify or NO to discuss further. Msg & data rates may apply. '' I replied " No '' I received another text saying " CHASE FRAUD : The transaction was blocked and no funds have been taken from your account. A representative will be contacting you shortly. '' I then received a call at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX, which matched the number on the back of my Chase debit cards, and they described the perpetrator 's alias as XXXX XXXX. They said that XXXX attempted to take money out of my account via XXXX. They asked if I was still associated with my XXXX XXXX XXXX XXXX and I responded with yes. They asked if I saw any unusual transactions pop up yet and I did not. They said I may still be in danger of losing that {$5000.00} in my account and to stop the unwanted transfer I would need to send myself the money via XXXX. Sending it through XXXX would freeze the money that is being pulled out of the account and I would be credited back the money within the next business day. I sent it to my own phone number, and they asked what the verification code was, so I gave it to them. At one point in the conversation I asked them to remind me what their name was, and they responded with their first name, last name, and badge number. After the transfer, I received a text from short number XXXX saying " XXXX XXXX : Sign on to your XXXX XXXX account and verify your mobile number within 24 hours. Verification code XXXX. Questions? XXXX '' I received another from short number XXXX saying, " USER ... sent you {$5000.00}. It has been deposited in your XXXX account XXXX. Reply STOP to end. Msg & Data rates may apply. '' Later in the night they called me at XXXX XXXX from the phone number XXXX ( XXXX ) XXXX. At this point I had had a couple of drinks at the bar, and they said that I was getting money pulled not only from an external account at XXXX XXXX, but also an account at XXXX and that I needed to transfer another {$4600.00} to myself via XXXX to freeze the funds. After that transfer, I received a text from short number XXXX saying, " XXXX : Your phone number was just updated for acct ending in XXXX. Visit citi.com/contactinformation to view this change. Reply STOP to opt out '' I then received a text from short number XXXX saying, " XXXX : Hi, USER sent you {$4600.00} using XXXX ( XXXX ). View at XXXX '' They then said they would follow up with me in the morning, which I never received a call for. I then looked up online to see if I got scammed, and sure enough I did. I now have {$120.00} in total in my bank accounts. I called my bank to let them know about the incident, and they said that there is nothing that they can do and sorry that happened.
Consumer complaint received 2021-05-04
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. (SC)

XX/XX/2021 I have disputed a few items on my report as errors and asked the major XXXX credit bureaus to take a look into the matter and correct their error. XXXX XXXX Equifax and XXXX. None of which these companies corrected their errors.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (CA)

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. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ....
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NC)

On XX/XX/XXXX, I went to Conn 's to purchase a Washer/Dryer set. The sales lady was a new lady who messed up the initial contract that she typed up, she had to call customer service and have them cancel it. The sales lady continued to make errors to the point that her manager got involved and drew up another contract. I was offered 12 month same as cash payment, however, I have noticed recently, that I have been charged interest for the last 8 months of {$29.00} per month ( for a total of {$230.00} ). I led a complaint with Conn 's, and the rep notated that at the time of my purchase the 12 months same as cash was available and he told me to call the Store Manager, which I did. The Store ManageXXXX notated that he would send Conn 's Corporate XXXX  an email. Today Conn 's told me that they will not honor the 12 months same as cash. I have to also note that this is the 2nd complaint I have led with Conn 's regarding the same sales lady. Back in XXXX, I led another complaint regarding them charging me for insurance, when I clearly told the sales lady that I had home insurance. Conn 's had me send them my paperwork and have since removed the insurance. This is 2 complaints within 3 months regarding this same sales lady who messed up the original contract XXXX or supposedly XXXX. I was told 12 months same as cash payments ... I did not just pull that out the air and Conn 's veried that it was a 12 months same as cash payment sale going on at the time of my purchase. I want this investigated and am also ling complaints with other organizations against them. Conn 's has taken an extra {$29.00} in interest for the last 8 months, when I should not have been charged any interest.
Consumer complaint received 2021-05-04
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

All 3 credit bureaus. XX/XX/XXXX XXXX XXXX and Equifax. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX Equifax and XXXX XXXX. I want this documents to be complied with an updated on my credit report.
Consumer complaint received 2021-05-04
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. (MI)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2022-08-13
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: AmeriCollect (FL)

Im accordance with the fair credit reporting act AMERICOLLECT  {$100.00}, AMERICOLLECT {$150.00}, and XXXX XXXX XXXX {$1200.00}. 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 a account without my written instructions.

15 U C S 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-13
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: Park Hill Holdings (TN)

I recently applied for somewhere new to move and was declined. I was supplied with a copy of that report and noticed 2 different judgements/evictions from : XXXX XXXX XXXX case # : XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TN XXXX and XXXX XXXX XXXX case # : XXXX address : XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been associated with neither of these apartment complex or these addresses.
Consumer complaint received 2018-04-25
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. (CA)

XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (GA)

This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.