davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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. (PA)

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. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After receiving credit reports from all three reporting companies? XXXX, Trans Union and XXXX the reports were stolen out of my personal property and are being used by an identity thief who is using them to file back taxes i believe and put people in those residences. It contains all of my phone numbers and addresses where i resided that are necessary to complete the documents, one of them Trans Union has been used to spend identity theft insurance which had occurred continuously and still is happening
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I C SYSTEM at ( address of company ) has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

On or about XX/XX/20 I made a payment via Chase XXXX with XXXX via banking application in the amount of {$820.00} to XXXX XXXX to purchase a puppy called XXXX. On or about XX/XX/20 I made another payment via Chase XXXX with XXXX in the amount of {$1500.00} to XXXX XXXX this time for refundable ventilated crate to have puppy safely delivered from California to New Jersey. On or about XX/XX/20 I made a final payment via Chase XXXX with XXXX in the amount of {$1200.00} to XXXX XXXX for a missing city permit and license for the puppy. After the final payment I did not receive any delivery details or confirmation that puppy was on the way. I realized something was wrong. On or about XX/XX/20 and XX/XX/20 I called my Chase bank to notify them about possible scam and to stop the final payment. Bank representative advised me they couldnt stop the transfer and that they would only notify the receiving bank. On or about XX/XX/20 I reported this incident to local police in XXXX, NJ. The officer on duty advised me that it appeared to be a scam and that he would start an investigation. He also advised me to pursue dispute with Chase Bank which I did but it did not yield any results. I also contacted and notified XXXX company about the fraudulent transactions, but they refused to provide any information and to collaborate unless there was an official legal subpoena. Detective assigned to the case sent several subpoenas to XXXX and XXXX XXXX but they could not find records or track down where my money went. I did not receive the puppy and lost {$3500.00} from my Chase checking account. None of the companies offered help in resolving this matter.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MD)

I was told that I could upgrade my T.J.Maxx card by synchrony bank to one of their XXXX instead of just having a retail cart and when I called in to have it done I was told that I would have to reapply for a brand new card which was not explain to me I have had that car for over five years in good standings and I feel as though I deserve to be able to switch or do a product change from just having a retail card to also being able to have a XXXX associated with it
Consumer complaint received 2022-01-21
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: ALLY FINANCIAL INC. (IL)

I received a credit inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021 from ALLY FINANCIAL. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Consumer complaint received 2022-11-16
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. (TX)

Company continues to show delinquent account older than 7 years. I have sent written communication to remove incorrect information with no change. 

XXXX XXXX Bank Account XXXX XXXX Account XXXX XXXX Card Account
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

On XX/XX/2022, I called to pay the escrow shortage on my account with Loancare, the loan servicer for XXXX mortgage company. I spoke with XXXX about my efforts to make the payment online last year at the end of XXXX. The website froze repeatedly and I input the information probably XXXX times. The company TOOK {$30.00} from our overage for what they called insufficient funds. I learned that the system deleted a number from the checking account. Many customers reported the malfunction and they eventually admitted a system error. The {$30.00} fee was waved for everyone except me. They had taken my money and my many calls & online complaint was ignored. I was told that they can't give any money back, once they have it. I was told that they can't correct it or credit my account. I just read RESPA, Section 6 which states that a mortgage service is responsible for correcting any errors. This company has made me resentful of their lack of integrity and decency. They owe me {$30.00}.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX Wells Fargo reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore Wells Fargo should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, Wells Fargo has violated the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Paypal is trying to constantly charge me for things I hadn't even purchased. This is constant harassment. I tried calling them and they even laugh at me. 

PayPal *Thank you for order with PayPal* Hi, XXXX XXXX Your order has been successfully placed, the amount of {$420.00} USD will be debited soon. 

Support : XXXX XXXX XXXX XXXX Order Details : Date : XXXX, XXXX, XXXX Transaction ID : XXXX Payment method : Account Payment Product : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} USD Deliver To : XXXX XXXX XXXX, XXXX XXXX XXXX ID XXXX XXXX The charge on your statement will appear as " PayPal '' Inc. with XXXX to XXXX hours EST. 

Need support? For product use Helpline XXXX XXXX XXXX XXXX Disclaimer- PayPal is not responsible for promotions offered by third parties and you should read the Terms & Conditions relevant to any promotion at the merchants website. This email was sent to XXXX, because your email preferences are set to receive PayPal Partner/Third-party promotions. Please do not reply to this email. Unfortunately, we are unable to respond to inquiries sent to this address. For immediate answers to your questions, simply contact our Help Center by Helpline number. 

Copyright XXXX  PayPal. All rights reserved.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

XX/XX/XXXX I purchased blinds from XXXXXXXX XXXX XXXXXXXX for {$330.00} with my Discover card with a 100 % satisfaction guarantee. The blinds arrived defective. I photographed and defective blinds and the company agreed. They said they would follow up with me. I did not hear anything from the company and reached out via phone and email, but they did not reply. I disputed the transaction with Discover and they provided a provisional credit while investigating the dispute. After initiating the dispute the vendor, XXXXXXXX XXXX XXXX began communicating with me again. Per Discover 's advice I returned the blinds and paid a shipping cost of {$76.00}. I provided Discover with several documents throughout the nearly 5 months of this ongoing dispute. These documents include an email from XXXXXXXX XXXX XXXX  indicating they will issue a refund, which they never did. The documents I provided Discover also included a proof of delivery showing that the blinds shipped and tracked via XXXX and received for return on XX/XX/XXXX. However, Discover has ruled this transaction is valid and charged me for {$330.00}. I incurred an additional shipping cost, the vendor advertises 100 % satisfaction, the vendor claimed they would issue a refund upon return, I have provided proof that the product was returned, at a total cost of {$400.00} and have nothing in my possession for the cost. Discover refused to reopen the dispute and refuses to refund the {$330.00}. It does not pay to Discover!
Consumer complaint received 2022-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (KS)

I changed my phone number in XXXX of XXXX. Since that time I have been receiving frequent phone calls from Radius Global looking for who I assume is the previous owner of this number. I have spoken to them on the phone on several occasions stating that I am not the person they are looking for and told them to stop contacting me. They repeatedly call asking to speak to " XXXX ''. I am not XXXX. They have called sometimes several times a day. At XXXX point I again answered and said I am not the correct person and they asked to speak to my spouse instead. 

They have left voicemails stating the next step is court and I can no longer state that I did not know about this debt. Again, after I have told them I am not the correct person. 

On XX/XX/XXXX I sent them a written message through their online portal ( https : //paymentportal.radiusgs.com/contact-us ) telling them to stop contacting me. I do not have a copy of this because their portal does not send a confirmation response. 

The calls have stopped since then until today, XX/XX/XXXX. Radius Global has called me twice. I have the phone log to show this. I again sent them a message on their online portal, this time video recording my submission which I can provide.
Consumer complaint received 2019-12-26
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. (FL)

my auto loan was paid in full with XXXX XXXX XXXX at the end of XX/XX/2019 and all 3 credit bureaus are showing it as open and a balance owed still. Why at the end of XXXX is it not showing on the 3 credit bureaus a " XXXX '' balance. This has affected my credit score as well as trying to obtain further credit. I have contacted XXXX  and XXXX  to fix, and i was told that this matter would be handled within 72 hours and it is 5 days later and despite the holiday, this should have been taken care of.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

Here are the items I have identified as inaccurate. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

XXXX XXXX is continuously reporting a false, unverified collection account. I have sent written communication and ask for proper proof of this collection. They have not provided it. I have stated my rights in regards to the XXXX and this account has yet to be resolved. This is a violation. I have request physical verification of the original signed consumer contract. It has not been provided and I want this account deleted from all bureaus immediately.
Consumer complaint received 2022-11-16
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: SUNCOAST CREDIT UNION (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 1602 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 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 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX Citibank sent invite to me via mail. SAID : Change my current simplicity card to a XXXX XXXX card. 
Received letter/contract for new card mailed on XXXX XXXX on XX/XX/XXXX. Read it. Letter states that once I activate my new card, expected XXXX XXXX, then my simplicity card would be closed and all transactions from simplicity card would me moved over to my XXXX XXXX card. Page two states ; " This agreement takes effect once you use your card. Even if I don't use the new card the agreement will take effect unless I contact them within 30 days after this agreement was sent to cancel. I went online and found that both cards were listed as being current. All transactions from my simplicity card had already been moved. My preapproved simplicity interest rate was 0 % until XX/XX/XXXX. Now on the new card it is 19 %. 
I immediately called three numbers and spoke to representatives stating I did not want this new car. 1.5 hrs. later the representative told me that they could NOT reverse the process and if they did I would not get my original card back or interest rate!
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (KY)

I took out credit card through Wells Fargo to pay for engagement rings at XXXX XXXX. I never received paper statements, so I would just call and make payments by phone. when I called and made payments representatives of Wells Fargo would tell me my next payment was due in two months. At the time I found this a little odd, but had miss placed my contract so I continued to pay that way. Not receiving any paper statements or late payment notices this went on for about a year. Recently XX/XX/XXXX I called to inquire about my remaining balance, to my surprise it was very close to my original balance when I first bought the rings. I spoke with a supervisor at wells fargo and she said my balance was high because of my late fees and because I had missed their promotional one year no interest so XXXX % had been added on. I explained to her what I had been told on several occasions about paying every other month. Wells Fargo said that is not their policy and they were sorry if someone misinformed me. I requested that she look back through recorded conversations, ( which they warn about every time you call ). It took a week to get back a hold of this supervisor in which she said non of my transactions had been recorded. I took it upon myself to record our conversation as well as another Representative in which the XXXX have contradicting information regarding how my payments work. I thought about contacting cfpb, but then I decided I will just pay my remaining balance but then it jump up once again and I can no longer stomach them doing this to me or anyone else. I just want to pay what I originally owed.
Consumer complaint received 2022-11-13
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: Westlake Services, LLC (GA)

The Fair Credit Reporting Act 15 USC 1681 Section 602 8 states I have the right to privacy ; 15 USC 1681 Section 604 a Section 2 also states that a consumer reporting agency can not furnish anyone information on your account information without my written instructions. So this complaint is about my invasion of privacy, NOT the validity of the account. These accounts listed below are in current violation with my right to privacy pertaining to Fair Credit Reporting Act regulations labeled above : WESTLAKE FIN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact, before anything is reported to the public the credit bureau is to notify me as consumer on how and what they want to report and I am to consent or not consent. AGAIN, This IS NOT a claim questioning the validity of the account, however, it clearly exhibits how the creditor at hand is improperly utilizing my information and any other entity ( such as the CFPB ) allowing them to do so is to be an accomplice to a blatant crime. 
Any transmission to follow this complaint should DIRECTLY address the two malicious violations detailed above, for your failure to not following federal protocol which is a very serious infraction and will be treated as such. I'm sure officials at CFPB agree that if the law exists it must be followed. 
If you can show me where you have been communicating with me in writing 30 days BEFORE reporting to the public and/or have any evidence I consented to what you have been reporting on this account I will relinquish you of this complaint. Nevertheless, If you do not have proof of following the federal guidelines I expect the account detailed above to be deleted within 10 business days and all illegal monies extorted over the duration to be reimbursed to me in full in the next 30 days. 
Please be aware I am familiar with the legal definition of " racketeering '' which I will provide for you below : 18 USC Section 1961a Any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, EXTORTION, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; 18 USC Section 1961 ( 3 ) ( 4 ) ( 3 ) person includes any individual or entity capable of holding a legal or beneficial interest in property ; ( 4 ) enterprise includes any individual, PARTNERSHIP, corporation, association, or other legal entity, and any union or group of individuals associated in fact although not a legal entity ; Which will be my future claim if this illegal activity fails to come to an IMMEDIATE HALT!
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I never gave the credit bureau nor creditors consent to pull my credit profile and by law that is violating my rights and the law under the FCRA. I have an attached letter below that explains the incident. I have 11 unrecognized inquiries on my consumer report that i am completely unaware of. I wasn't contacted by any creditor nor the credit bureau of an attempt to inquire about a new account on the dates listed. I didn't receive any phone calls or letters pertaining to the incident. I am highly disappointed that i had a security freeze at the time of the inquiries listed on my report. If the inquiries aren't removed within 3 business days i will post via XXXX website, i will pursue legal actions against the credit bureau, i will be adding compensation for the mishandling of my consumer report.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX  days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX  times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.