davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (CA)

*** Dear to whom it may concern, My name is XXXX  XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name Reported** XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX XXXX These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX EMPLOYEE XXXX XXXX XXXX XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX  Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2020-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (IN)

Allied Interstate placed a collection against me in someone else 's name, contacted the company only to be told they couldn't help unless I gave them my social security number. Called the company they supposedly represent and they have no record of me owing a debt
Consumer complaint received 2015-03-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (CA)

I sent 200 dollars to XXXX for my mohter using Western Union on XXXX, after XXXX attempts to collect i called Western Union XXXX XXXX who indicated it was best to cancel the transfer. It was canceled over the phone but i never got a refund, after XXXX calls to their customer support, today being XXXX, i have ran out of options, so i 'm filing a complaint here. The money transfer was charged to my bank account despite the cancelation, and Western Union has n't been able or willing to provide a refund for a service it never rendered.
Consumer complaint received 2021-10-07
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: EQUIFAX, INC. (CA)

previously deleted item was reinserted without notifying me within five ( 5 ) days of re-inserting a previously deleted item.

Credit Bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

The Account was not mine and the result of identity theft Bureau is refusing to block it even after I filed again a new FTC Report Number : XXXX, under identity theft victim.
Consumer complaint received 2020-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

*** Dear to whom it may concern, My name is XXXX XXXX XXXX . I am requesting investigation on these inaccurate account within 30 days according to Fair Crediting Reporting Act. 
**Name ReportedXXXX XXXX XXXX  XXXX 02 XXXX, XXXX, XXXX My correct name is XXXX XXXX XXXX . These name above are incorrect so please delete those as I have attached proofs of my identity below. 
**EMPLOYMENT INFO XXXX1099 EMPLOYEE XXXX XXXX  XXXX  XXXX These employment information are not belong to me or our business. 
**Credit Cards** XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any obligation with THEM ; please delete this reference on all my credit report. 
**Credit Cards** XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be {$16000.00} and {$1600.00}. Provide me full information about this account or you must delete it!!! 
**Credit Card** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX $ monthly payment on a closed account. Delete it immediately!!! 
XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX monthly payment on a closed account. Delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Hard Inquiries** XXXX XXXX XXXX   Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _Miscellaneous ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2 Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2  Reporting Compliance by not reporting dispute status. 
_Finance/Personal ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX This inquiry is unauthorized, The date furnisher has violated Metro2   Reporting Compliance by not reporting dispute status. 
_***Finance/Personal ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2  REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XX/XX/2019
Consumer complaint received 2024-01-19
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. (FL)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; CHILDSUPPORT XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$5600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$530.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (CA)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

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 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
Consumer complaint received 2021-02-24
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. (CA)

How long does it take to get results after a dispute is file?. I am aware it supposed to be 30days well we are now way pass 30 days and still nothing. I dont feel that I should have to be writing this complaint just to get my results. Are bureau not working because of Covid? Because that the only reason I can see why they arent replying to me. There is no excuse for this.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDEN 1 CREDIT UNION, THE (CA)

It looks like I got scammed by a website called XXXX. I placed an order ligaly for a fire arm that I never received {$460.00}. Some one contacted me the next day asking if I wanted to complete my order and I did. They said they were going to ship the order in 48 hours. I thought they were going to send me more information but nothing. I contacted XXXX to get my money back, also my back golden1. And no help from both companies. Not sure if this is going to help but it seem like no one is going to do anything and this person is going to keep scamming people. The bank did nothing. As far as I know XXXX my have blocked this person. I thought fraud was a crime so why is no one going after this person and I'm left to pay a bill that my bank transfered to this person. Not fair at all. I have all the information about this person if you need more info. Thanks
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aldous & Associates, PLLC (FL)

I received a debit collection notice from Aldous & Associates, XXXX XXXX, XXXX, UT, XXXX, for a balance of {$190.00} ( account # XXXX ) on behalf of XXXX XXXX XXXX, a fitness gym, located in XXXX XXXX XXXX, Florida. The debt collection letter claims I defaulted on an installment contract with the Company. I was formerly a client of XXXX XXXX XXXX with no installment contract who paid on a month-to-month basis. I discontinued visiting XXXX XXXX XXXX several months ago, so I was surprised to receive a debt collection letter for a debt that I do not owe. I contacted Aldous & Associates by telephone on or about XXXX XXXX, 2016, and attempted to explain that I was pay-as-you-go customer of XXXX XXXX XXXX that did not have a contract, but the representative became hostile and verbally abusive and kept yelling and screaming that I owed them money with or without a contract with the fitness center. I informed the representative that I did not owe the debt and hung up.
Consumer complaint received 2015-11-16
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

I sent money by Western Union to XXXX XXXX at XXXX, IA for confirmation that I was the one to receive a packet from XXXX XXXX. He was sending a packet containing {$50000.00} of his pay to me. I sent {$200.00} for the confirmation then XXXX informed me that I needed to send {$530.00} to clear customs for the Federal Gov. to allow the packet to be put on a plane to be sent to me. I texted with XXXX XXXX about the {$530.00} he agreed to pay {$330.00} and I pay the balance of {$200.00} which I paid also by Western Union. XXXX XXXX was to be sending money to help me with XXXX as I am XXXX which would have cost around {$3000.00} each and for XXXX which would have cost around {$5000.00}. I was informed XXXX XXXX was a scammer using XXXX XXXX XXXX 's picture as his picture.XXXX is a financial anylist for XXXX XXXX.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NJ)

I just received a letter on Monday XX/XX/2021 informing me my mortgage has been sold from XXXX to XXXX XXXX. The letter was dated XX/XX/2021. I was not provided the required 15 days notice from my current mortgage servicing XXXX XXXX XXXX.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I applied for a Macy 's Credit card since I would receive a certain percentage off my total balance in Fall XX/XX/XXXX. After making that initial purchase, I made my first payment when I received the bill. Knowing my credit limit of {$800.00} was at around {$600.00} now, I tried to make a purchase of around {$200.00} for new work clothes that I needed. The purchase went through online, but later I received an email from Macy 's stating the purchase was canceled. I tried it a second and third time with the same issue. I called customer service to speak with someone about it. Spoke to three different people. Each person couldn't tell me what the issue was with the account. The third person was lying to me telling me my available credit was at {$0.00}. I told her I was looking at the available balance while speaking with her and showed an available balance around {$600.00}. She said I was incorrect because of the purchases on the card. However, I explained to her again that ALL PURCHASES WERE CANCELED BY MACYS SO THERE SHOULD NOT BE ANY CHARGES BESIDES MY INITIAL CHARGE. She put me on hold for 15 minutes then came back on stating I was correct and asked which purchase I would like to keep because it would ABSOLUTELY go through this time. She gave me a confirmation number and then 10 minutes after hanging up the phone, I got the cancellation email for the purchase AGAIN. So, I called them back angry demanded my FULL PAY OFF amount and to close my account out. They told me my full pay off amount was {$99.00} and some change. I told her I would be mailing a check that day for that amount and asked 3 separate times that after this last payment there would be no other charges. I was assured that it would be only payment I would have to make and that the account was then closed. Fast forward to XX/XX/XXXX, I received a bill for {$10.00}. I called, received no one. Moved and forgot about it until I got my updated credit score. A drop of 88 POINTS BECAUSE OF MACYS. I am beyond angry in regards to this matter. I was told everything was taken care of multiple times, that my card was COMPLETELY paid off, and here I was MONTHS LATER being told I owe {$10.00} with an 88 point drop in my credit score. I paid the now {$12.00} due to interest on this ridiculous card and my score only saw an increase in 16 points. Even while paying it, I wasn't informed on what the XXXX XXXX was or why I received it even when I asked. How can they get away with this? How many people have they done this to? I only had the card for 2 weeks due to their XXXX customer service and will suggest that absolutely NO ONE gets a macy 's credit card or they'll be suffering this XXXX.
Consumer complaint received 2016-05-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Our loan servicer transferred to Ditech who decided to first double our impound payment and then after multiple attempts to explain they are wrong and provide proof from the county, they play games with us and continue to increase it. Twice now they said say we will do an escrow review in 7-10 days and both times did not resolve the issue and actually made it worse. How this company made XXXX and then made it equal XXXX is confusing and why I have to over pay for their errors month after month or I will get a penalty and late is extremely unfair and wrong. XXXX attempt today the representative attempted they were wrong and said sorry we have too many new people and maybe in a few months your issue will be resolved. I was told I had to still continue to overpay despite them knowing they are flat wrong until they get around to fixing it. How is this legal? They should have to give me interest for stealing my money for this many months as that is what is happening. We are happy to send the details over should you need to view the documentation but I am fearful to submit not knowing if this will ever be read.Thank you.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SUNCOAST CREDIT UNION (FL)

Dear CFPB : Chronology of Vehicle Loan 1. In XXXX, XXXX, XXXX, I bought a used XXXX XXXX from XXXX, XXXX XXXX, XXXX  ; 2. The vehicle was financed by Suncoast Credit Union for {$24000.00} ; 3. Upon closing the purchase of the car with XXXX, XXXX XXXX, XXXX  ; 4. I had to provide Proof of Insurance before leaving the dealership [ with the car ] ; 5. I secured insurance immediately with XXXX, asx recommended by the dealership ; 6. XXXX wrote me an online policy coverage for my car ; 7. I presented the policy coverage for collision/comprehensive to XXXX, per XXXX policy , before leaving the dealership on XX/XX/XXXX ; 8. On the same day, XX/XX/XXXX, I went to Suncoast Credit Union to complete my loan document ( s ) signatures ; 9. On XX/XX/XXXX, I also provided Suncoast Credit Union with my XXXX auto insurance document ; 10. However, on XX/XX/XXXX, Suncoast immediately put a " Forced Placement Insurance '' on my auto loan.
Consumer complaint received 2024-01-19
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. (FL)

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need XXXX, XXXX, and Experian to remove these accounts from my consumer report and correct my score according to the corrections made.
Consumer complaint received 2024-01-19
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. (GA)

I traveled with an entertainment company from XXXX. While on tour my wallet was stolen, a report was made with the local authorities. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or opened. I contacted the Credit Reports Agencies in XX/XX/2023 and alerted them of the unknown accounts and requested verification. Furnishing accounts to my profile without my written consent or knowledge is in violation of 15 USC 1681B. 
I thoroughly investigated the accounts with XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX and they are not mine. Furnishing accounts due to identity theft violates my consumer rights specifically 15 USC 1681c-2, I also noticed credit inquiries from creditors : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX. I have not made these request or am I familiar with the creditors.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit report, I noticed that there are several instances of late payments recorded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX