davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
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. (GA)

I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have perfect credit and was recently denied credit because of inquiries on my credit report. So I checked my XXXX XXXX  and noticed that I still had some inquiries on my report that TransUnion said was already taken off. They told me the steps they wanted me to go through and I did. I sent them the documents they requested & it still has not been taken care of. I don't know what else to do
Consumer complaint received 2022-07-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

Experian and XXXX XXXX XXXX XXXX continually for 5 years label my request " This complaint appears to be about the same issues as your earlier complaint '' when they have yet to provide a copy of the valid, signed, and dated permissible permission to have accessed my credit report in XX/XX/2017.
Consumer complaint received 2022-07-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report. 

This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal. 

I do not consent to e-Oscar or any means of automated system for verifying my disputes. 

I request the cfpb to enforce the laws violated pursuant to congress.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX with XXXX 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
Consumer complaint received 2022-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

XXXX XXXXXXXX XXXX {$820.00} i try to contact XXXX XXXX XXXX and now they sold my debt to credit collection servic and no one is helping me i cant get in toch with debt collector XXXX XXXX Submit this complaint NOT a COMPANY XX/XX/XXXX
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (OR)

I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to HomePoint Mortgage. HPT sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX XXXX  and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX  back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX  is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (IL)

I purchased a product on XXXX for {$810.00}. I opened a dispute due to the condition of the product as I felt it differed from the description. I was offered a full provisional credit of {$810.00} on XX/XX/XXXX. 

I was able to resolve the dispute and the case was closed not in my favor, which I accepted, so a chargeback of {$810.00} was charged to my account on XX/XX/XXXX. 

That chargeback was then charged again ( double charge back ) on XXXX. 

Upon noticing the duplicate chargeback on my account, I called the bank on XXXX to notify them that they had double charged me. They confirmed that they were looking into it and would open a case. 

I received a notice that my case was closed, not in my favor, because the agent had incorrectly opened my case referring to the original charge being disputed, not the chargeback. 

So I called again on XX/XX/XXXX where I was told they would properly open the case. 

I called again to check up on the case on XX/XX/XXXX, where I was notified that no case had been opened for the double charge back. The agent stated they would properly open the case. 

I called again on XX/XX/XXXX, where I was again notified that there had been no case opened for me regarding the double chargeback. I asked to speak to a supervisor, who confirmed with me that he would open a " escalated dispute '' for my double chargeback with a resolution timeframe of 30 days. 

I called again today on XX/XX/XXXX to get an update on the case where the supervisor notified me that the dispute for the double chargeback was yet to be addressed by the dispute escalations team. I asked for documentation or a case ID/dispute ID to have confidence that this was being looked into, but the supervisor stated that there was no documentation he could provide to me to confirm the case had been opened. 

As a consumer, given that I called to file the original double chargeback dispute on XXXX, it has now been 83 days, which is 23 days in excess of XXXX XXXX timeframes for dispute resolution ( 60 days ). 

As of today, XX/XX/XXXX, the bank has still not reversed one of the duplicate chargebacks to my account. I am opening a complaint as I feel it is my only chance at getting a resolution.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WA)

Periodically, usually in the evenings, I am not able to log in to my online banking, and the mobile banking is often not working. 
When I try to log in to my online banking, after I enter my password it gives me a screen saying it needs to verify my identity, which doesn't work. 
The first time it happened on XX/XX/XXXX it really scared me because it showed two phone numbers - mine and some completely unknown number. I was terrified and thought I was hacked. I called the bank next day, they fixed the log in, but couldn't explain where the number came from. I was not getting a log in code no matter how many times I clicked the button requesting it. 
Tonight XX/XX/XXXX at XXXX PST again I couldn't log in to my online banking. The problems with the log in were : 1 ) unable to select radio button to choose verification methods, 2 ) ignoring the fact that I requested to remember my computer and not to make me go through this again ; 3 ) I kept asking them to send the code, but they never sent it ; 4 ) there was a message on the screen saying that they called me with the code, but I got neither a text or call. I tried to log in from different browser, and from my phone, all attempts unsuccessful. 
Then I tried to check my balance calling the XXXX number, which according to PNC is supposed to take me to my account 24-7, but it did not. It did not allow me to access my account either.

I should be able to log in to my online banking or call anytime day or night without such issues! I spent a couple of hours each time this problem happened trying it over and over. It also causes my considerable anxiety that i can't see that my money is safe.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MO)

On XX/XX/XXXX, I received 36 payment notifications from CashApp showing payments to XXXX XXXX XXXX. Of these 36 transactions, CashApp declined 9 of them sporadically and notified me that they denied them because of suspected fraud. All of these charges occurred in less than 30 minutes. I contacted Support and was told that once the charges were no longer pending, I had to go in and dispute each charge, one at a time. I disputed the charges. I began receiving emails that I had to verify my identity on XX/XX/XXXX. I got on my CashApp to verify my identity with my drivers license and a picture of myself. My identity was verified on all disputes except for 1. It stated it couldn't confirm my identity. On XX/XX/XXXX I received an email from CashApp telling me that my CashApp account had been closed and that I could withdraw any existing funds from my account but that was it. They proceeded to refund 3 of the fraudulent charges but will not give me an answer on the remaining 24 disputes. Only that they have no more information to give me at this time. I also filed a dispute with XXXX because I do not have a XXXX account. After doing a little research, this problem has been ongoing for over a year with CashApp and XXXX fraudulent charges and they have done nothing to prevent it. The same person 's name is being used to steal thousands of dollars from individuals and CashApp nor XXXX XXXX is taking responsiblity for it. I, myself, am out over {$110.00} which is small compared to some. Their lack of communication and failure to send me the documents that they say they manually reviewed in denying my disputes, is a great cause for concern. These Mega giants are costing consumers a lot of money by their lack of protecting our accounts. If CashApp felt there was fraud in the 9 transactions that they declined, they should have declined all the others that were made by the same account on XXXX.
Consumer complaint received 2022-11-23
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: SYNCHRONY FINANCIAL (NY)

In accordance with the fair credit Reporting act This account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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 2022-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: OLD NATIONAL BANCORP (IL)

A XXXX transaction for {$110.00} sent to mXXXX XXXX  XX/XX/XXXX never hit my account. I've tried contacting the bank several times either by calling them ( several hours several times ), their website, XXXX, XXXX, or even going into a local branch. Nothing. The sender 's bank has verified that the money was received by Old National Bank. It either went into a general ledger account there or was given to the wrong person.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2023-05-23
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. (TX)

These Accounts : XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$85.00}
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have ask TransUnion to correct this issue reporting XXXX XXXX transferred ; collection .this account was paid on time every month with a zero balance also state paid monthly.all payment was made on time you can see that they reporting it as if it was a collection account. Correct the issue all payment are current also remove those derogatory remarks. report this account all payment a current.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed an account that i wanted a little more explanation on. I am not saying that it's reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challeng anything i am not sure is accurate. I also heard by law you have 30 days to verify this account reporting on my consumer report. 
In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof this account must be deleted if they are not 100 % accurate. So i would like this account properly verified and removed if theres anything missing. 

XXXX XXXX XXXX XXXX XXXX