davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: OPORTUN FINANCIAL CORPORATION (FL)

On XX/XX/2022 While at a XXXX XXXX  branch in XXXX Florida we discovered a personal loan of {$6400.00} in an account in my name in XXXX XXXX XXXX FL with XXXX XXXX XXXX XXXX 

My Credit Score drop from XXXX to XXXX because Oportun failed to verify the proper identity of the loan 's owner. The owner failed to make any payments on their obligations. Oportun is a loan agency based in California. The XXXX XXXX  agent informed us that the account was in my name and used my SSN. The bank agent told us that the phone, mailing, and email addresses were not the same as our contact information. 

XX/XX/2022 I created a new email address ( XXXX ) and reached out to the Oportun Customer Complaint email address ( XXXX ) and demanded that they correct their error. 

I received a reply fairly quickly on XX/XX/2022. 

I found out the unauthorized Oportun account was created on XX/XX/2022 with account # XXXX using my name. This information was posted on XXXX XXXX, XXXX, XXXX, and XXXX. 

XX/XX/2022 I received an email from an unknown person at Oportun stating they filed the proper paperwork and will follow up as soon as possible. 
I replied thanking them for their fast reply but feel the message from Oportun was auto-generated. 

XX/XX/2022 My research with the various credit bureaus yielded additional information which I provided to the Oportun complaints email. Not a single individual has yet to reply to me from Oportun. 

XXXX XXXX Received another anonymous reply from Oportun but was not provided a case number nor any indication of urgency. 

The unknown person stated, " We are sorry to hear about the trouble that you recently experienced with us. Our Customer Experience Department is still looking into it and will follow up as soon as possible. '' Sincerely, Customer Service Oportun XX/XX/2022 ( today ) I filed a complaint with the Federal Trade Commission ( FTC ) and the CFPB against OPORTUN/PROGRESO FINANCI for their part in identity theft. 

Soon we will report this to local enforcement as recommended by numerous agencies including the FTC.
Consumer complaint received 2018-11-23
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. (PA)

XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-11-24
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: Exeter Finance, LLC. (AZ)

XXXX XXXX pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan from XXXX XXXX.
Consumer complaint received 2022-08-20
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. (AR)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX and 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 2018-11-23
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: KeyBridge Medical Revenue Management (OH)

I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Consumer complaint received 2018-11-23
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. (OH)

I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

I have opened a business account with Wells Fargo and by the time I told them I'm going out of country it will be different countries that I will login. But a week later from my traveling they called me about identity theft even though that I said it was me they blocked the account. And they said that I need to come to branch with ID for reopen otherwise they will close the account. I have booked a flight come to the branch provide my ID then they said we decided to close the account but I have come for what they said. I have talked with XXXX customer service to verify that if I come it will be reopen they all said yes. They can find that in their record of the conversation. Right now they are saying we will not give you the money cause it's not yours but it's a business account and I had business with people then they paid me over this account. They do not listen and they have taken my money. I have proof of payments but they do not even ask me to prove them. It is my money and they are stolen from me. Wells Fargo has been stole my XXXX dollars. There is proof of payment from customers that I uploaded
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
Consumer complaint received 2023-03-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have sent in prior disputes with XXXX, Experian, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after XX/XX/23 as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2022-05-25
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. (IL)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute and address concerns regarding the way my XXXX XXXX XXXX XXXX 's utilization for the card ending in XXXX is being reported on my credit reports. Additionally, I kindly request that my membership start date be accurately reflected, as it plays a crucial role in maintaining an accurate credit history. 


One of the key features that I deeply value about my XXXX XXXX is its absence of a traditional pre-set spending limit. This unique attribute provides me with significant flexibility, making it essential that credit reporting accurately represents this aspect. I kindly request that the reporting clearly showcase that my card operates without a predefined credit limit, as this is one of the distinct benefits of the XXXX XXXX. 


Furthermore, I've observed that my membership start date is not accurately recorded in my credit history. Having the correct date of when I became a member is essential for a precise representation of my credit journey. I kindly request that you verify and correct this date to accurately reflect the moment I joined as a member, as this will contribute to a more precise depiction of my credit history. 


While I understand that errors can occasionally occur, I emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA ensures that credit reporting agencies and creditors, such as XXXX XXXX, handle disputes with accuracy and fairness. I kindly request that this dispute be handled in full compliance with the FCRA, and I trust that any necessary adjustments will be made within the specified time frame. 

Wherefore, I also request that the necessary updates be made to my credit report with all major credit reporting agencies to ensure a comprehensive correction and accurate reporting. 


Thank you for dedicating the time to address my concerns. I genuinely value my relationship with XXXX XXXX and believe that through collaboration, we can successfully address these matters, resulting in an accurate and fair representation of my credit history and the unique features of my XXXX XXXX.
Consumer complaint received 2018-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 instructions 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 or 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 2018-11-23
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. (WA)

XXXX PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! 

here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! 

XXXX  XXXX, & XXXX XXXX XXXX XXXX  XXXX 2 accounts listed with same acct number but one with credit limit of {$26000.00} and thee other {$1300.00} XXXX XXXX   XXXX XXXX XXXX XXXX & XXXX XXXX - XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites! but both show different information.
Consumer complaint received 2018-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened my citizens bank account in XX/XX/2018. 

As a new account holder, several times the bank placed 10+ day holds onto my deposits ( checks ). Okay fine, I am a new account and this is normal protocol. 

However as the months went on, I would randomly receive 7+ day holds onto my large deposits ( checks ) Never once has a check bounced from a bad check deposit, they provide no information as to why and no documents with dates for me to review. 

There is no reason for these holds, it is completely irrational. 

Now on XX/XX/XXXX I deposited a check for XXXX $ and they have yet again placed a hold until XX/XX/XXXX. 

That is a lot of money that they have, yet again, essentially stolen from me for over a week. 

I am completely stuck with them and have gotten nowhere speaking to their representatives over the course of the past 6 months. 

My account has never been in poor standing, I am a responsible customer, the only time I have struggled with finances is when they hold my money.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

Please remove the hard inquiries from my record on XXXX   XXXX  and XXXX from My credit report This was made XX/XX/2018 from TD Bank. I have never made such a request, so I am asking you to remove it.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

I recently received a letter dated XX/XX/2018 from Equifax stating : 'We have received your request concerning your Equifax credit file. However, the Identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. '' Then the letter requests that I provide items to verify my Identification and current address. 

I have made no recent contact with Equifax. 
I have made no recent requests to Equifax regarding my credit file. 
I have not provided Equifax any identification recently.
Consumer complaint received 2023-06-10
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. (GA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

We sold some old XXXX Ornaments and the person who bought them wanted to use PayPal. I did and PayPal shows that I received {$360.00}. However, PayPal won't let me transfer that money to my linked bank account. I've tried contacting their Customer Services via chat, phone, and XXXX and the XXXX team was the only one that I was able to correspond/communicate with. They first said maybe it was account limits, but this is way under the {$25000.00} limit in the documentation they provided. Then they suggested maybe there was something unresolved, but there is nothing in their resolution center that is open or indicates an issue. Then they suggested waiting for 12 hours in case there was an issue in sending the money to the bank. I waited nearly 24 hours but have the same issue.

So then they said that " When you attempt to add a card, withdraw, or send payments, we check for unusual factors associated with the particular transaction. The unusual activity can be accessing your account from a different region, usage of unrecognized or restricted networks like VPN, public networks, or an abnormal transaction. '' They then suggested waiting for another 48 hours so that their system can clear any flags. But they can not tell me what flags there are, if there ARE actually flags, or if there is another issue. Apparently their internal security system is automated and no one at PayPal can see what it does or why it does anything, so they don't actually know what's going on with my account. All they can say is " keep waiting '' for the mysterious automated system no one can review decides to let me transaction go.

My account is verified linked properly, and I've previously confirmed my identity with PayPal with my driver 's license and other documentation they use for verification. I reside in the U.S., have tried the transaction on their mobile app on the XXXX network, their website ( XXXX  and desktop & laptop on home networkXXXX, & work laptop over corporate VPN ) with multiple browsers, and nothing works. I've had PayPal for nearly 20 years so I'm not a new sign up, but for whatever reason they won't release my money and can't tell me why they won't release it.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (NC)

I received notification from Convergent Outsourcing on XX/XX/23 stating that I have a debt balance owed to XXXX of {$270.00}. I have contacted XXXX/directly and verified I am not in debt collections. Letter was dated from convergent on XX/XX/2023. I believe that they are trying to commit fraud from me.