davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
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. (NC)

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Transunion and XXXX XXXX  are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this transunion and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from transunion XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.
Consumer complaint received 2022-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

I received an email from PayPal saying I owed {$960.00} which they needed to take out of my account for cryptocurrency. I do not have a PayPal account that I have used in the last year or so and I did not purchase any XXXX account. When I tried calling the number they became abusive and wanted to log into my computer and get my personal information to stop the payment. I contacted XXXX and PayPal because the email came from XXXX and PayPal. They have both been made aware of this.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CA)

New Updated information in regard to CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Equifax account number XXXX

has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Attached is a dispute letter with accounts.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase just randomly closed my account with no explanation no nothing went to log on and it said account was locked to call so I called and they said it was closed did not say why or anything and from further research they do.this all the time to people
Consumer complaint received 2024-08-25
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. (FL)

Attn : To whom it may concern, Greetings! 

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BC125 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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 2022-05-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I received a statement in the mail with my name and address from XXXX XXXX ( TD Card Retail Services ) which I did not apply for nor make any purchases on. The statement concerns me because both my name and address are correct. It shows two phones were purchased on XX/XX/20 for a total of {$1900.00} and then returned on XXXX/XXXX/20 and the balance was credited back to the account. The account currently shows no balance owed with a credit limit of {$2200.00}. I never applied for this account nor did I make any charges. 
As soon as I received the statement I called the number provided immediately ( XXXX ) XXXX and was on hold for 42 minutes before hanging up, this was on XXXX/XXXX/20 at XXXX. I called twice again the morning of XXXX/XXXX/20 the first time at XXXX and was on hold for 46 minutes before hanging up. I also have my savings and checking account through TD Bank and I called the regular TD Bank help line ( XXXX ) XXXX at XXXX, I spoke with a representative that could not help me but transferred me to the Retail Card Services division where I stayed on hold for 1hr and 2 minutes before finally hanging up. I made a last attempt this morning, XXXX/XXXX/20 at XXXX XXXX  and gave up after 25 minutes. 
I never opened this account nor did I make any charges or returns on this account. The hold time I experienced and the service I have received from TD Bank Retail Service is horrible.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING LLC IS REPORTING NEGATIVELY TO CREDIT REPORTING AGENCIES AND IS TRYING TO COLLECT A DEBT THAT HAS REACHED THE STATUE OF LIMITATIONS
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: FIRST ADVANTAGE CORPORATION (NC)

Good morning. 
XX/XX/XXXX I started the process with my background check with First Advantage on I am trying to get hired with XXXX XXXX who uses First Advantage as their vendor for the background checks. 

By XX/XX/XXXX I still hadn't received any information back about my background check. I called First Advantage who told me that my background check was still not completed at the State of Ohio. I continued to call daily to check on status. 

XX/XX/XXXX I began calling State of Ohio for an update. State of Ohio told me that they had sent the background check back to First Advantage on XX/XX/XXXX. 
I relayed this same information to First Advantage who said they would have to check internally with their Ohio division. 

XX/XX/XXXX I spoke with a manager at First Advantage who said he would escalate this to the Ohio Division and get back to me. He never got back to me as promised I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can not get through to a manager and continue to be told the same messages- which are " we are waiting on the state of Ohio '' or " we will have to check with our Ohio division '' or " we will have a manager call you back within 30 minutes '' which never happens. 

It has now been 58 days since my background check was submitted. I have now been without a job for 58 days and I have not applied for any other job because I am wanting to be ready to start with XXXX XXXX as soon as my background check is completed. I am now running out of money and in jeapordy of having to delay paying bills or having to ask family for money for food, bills, etc. 

Can someone please escalate this and have First Advantage respond so that I can get cleared to start my job?
Consumer complaint received 2020-07-02
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)

I have requested numerous times with Experian in regards to XXXX XXXX  XXXX error in reporting and notified them that this account is not mine. It remains on my report with Experian. 

XXXX  and XXXX had kindly removed this error without any problems. 

The second complaint is why is it that with all of my credit, inquiries, limits, and payments almost identical with the other 2 my score is significantly lower with Experian? 

It doesn't make sense.
Consumer complaint received 2020-07-02
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. (NY)

I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.
Consumer complaint received 2020-05-02
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: Ad Astra Recovery Services Inc (TN)

I paid the company in full. Ive tried talking on the phone and disputing it at all 3 credit bureaus. It still remains on my credit report.
Consumer complaint received 2022-07-11
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. (TX)

Hi I am submitting this XXXXXXXX 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 XXXX 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 XXXXdays 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-11
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)

FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  month XXXX  days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry po box XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CO)

I opened a bank account with CITI bank two weeks ago and I immediately ran into issues with XXXX XXXX so I gave them a call. I was getting an XXXX error. I was transferred between people for XXXX hours just for them to tell me that its not gon na work. I then put money into the account so itll be active. On Saturday I tried to XXXX someone to pay a bill and they immediately froze my account so I called them so it can get unfrozen and the agent asked me one of my security questions and I answered it and he said it was wrong. He then asked me for my phone number and I said it and said that it was wrong and then said that he will be locking my account until further notice and hung up. After that I was kicked out of my banking app and I cant log in or use my debit card. Its been 6 days now and Ive been told that Id get a call back in XXXX and they theyd email their specialty department. I have yet to receive any sort of callback. I was told that my card would work by two agents and when I try the card it doesnt work. I was told to call the customer service department so I can reset my pin and they cant verify me with my phone number. Its been a never ending battle with them and Ive called close to 20 times at this point and Im told that Im gon na have to wait for a letter to show up but I dont believe that for a second.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Macy 's American Express charged a nonpayment fee on a waived late fee after I paid my full account balance ( minus the waived late fee ), resolved the late balance issue with their customer service under the belief that my full charge had been paid, and closed my charge card account. I believe that Macy 's American Express charged this fee illegally and as a matter of policy to receive additional payment. I believe they do this in order to generate additional revenue from closed accounts, specifically from consumers with previous late charges who are scared of damage to their credit score resulting from non-payment of this unearned charge.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has wrongfully refused to remove incorrect information on my credit report that was provided through fraud by XXXX XXXX XXXX. I proved to the XXXX XXXX County Court at Law 4, that my XXXX XXXX  account was hijacked by fraud in XX/XX/XXXX. XXXX sued me in XX/XX/XXXX for an account I paid in full in XX/XX/XXXX. It was hijacked afterwards. Please direct Experian to remove this fraudulent entry on my credit report. I will attach the documentation. Experian even in an asinine manner told me to contact XXXX, when my attorney has been in contact with them frequently already and they are still reporting incorrect information!
Consumer complaint received 2020-07-02
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2020-07-02
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. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-02
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. (NJ)

I have sent 3 letters to the credit bureaus Transunion, XXXX  and XXXX  demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX/XXXX  account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

My mortage was purchased by a XXXX XXXX finance company. They hired Select Portfolio Servicing to service the loan. 
I received excessive requests from SPS for information that they should already have from XXXX XXXX, whom they purchased the mortgage from. 
The problem originated with proof of flood insurance coverage. I have had a rider on my homeowners policy for 15 years providing coverage for flood damage. They could not understand that there was not a seperate policy. I made two phone calls to their automated system, fighting through it to speak with someone, and put them in contact via three way calling with my insurance company. Still I received a letter threatening to impose a third party flood insurance policy at my cost. Again I spent an hour on the phone, and was assured that the problem had been resolved, ignore the letter, you will get a letter indicating so, etc. etc. 
Then I get a letter claiming a lapse in coverage and a cost to me of {$21.00}. Again I make a call to their automated phone system, fight through it to get a human being, and by now I am furious, and am currently on hold for 24 minutes and counting.... 
Select Portfolio Servicing is not only incompetent, but they have pathetic customer service.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit report.