davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. These accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. I need these corrected at once. This is your final chance to resolve the inaccuracies on the items : XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Dates XXXX, XXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Date XX/XX/21
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Applied for credit card Barclaycard XXXX XXXX on XX/XX/XXXX and was able to use to purchase plane tickets as an introductory promotion to earn XXXX miles of XXXX. 

XXXX XXXX XXXX, Waiting for the credit card to arrive. 

XX/XX/XXXX, I saw an email around XXXX that someone activated the credit card around XXXX. Never received the card physically. Then I found out someone had charged our credit card for gas, atm transaction, liquor at different locations. 

XX/XX/XXXX, called the Barclay XXXX credit card to report that someone activated my card I never received physically and lot of fraudulent charges made. Credit card company cancelled the card right away. Theres almost {$2500.00} that was charged on my card. Barclay XXXX XXXX stated they will investigate and will resolve the issue and will resend me a new card. 

XX/XX/XXXX, I got an email from barclay XXXX card that address changed had been made i know I did not made that changes so I immediately Called the Barclay XXXX credit card again to follow up on what and why this change happened. someone had made a change of address that it was not mine. Then the Fraud dept advised to change our credit card online password and email password which i did. Then I changed my mailing address to po box instead. 

In a months time they were able to return the other fees ( cash advance from atm, groceries charges ) worth of {$1000.00} so fees dropped to {$1500.00}. I called barclay XXXX card and questioned why the other fraud charges arent dropped but others were. 

XX/XX/XXXX, credit card company wrote a letter stating that they concluded that the other charges Are valid and Im liable to pay for the other charges. So I contacted and complained why would I be liable for the other charges that were connected to other charges that were dropped which doesnt make sense. The investigation they made are not correct, theres discrepancies and questionable as those fraud charges should all be dropped as theyre all connected and charged in the same day, XX/XX/XXXX. So barclay will reopen the case XXXX XXXX filed a police report for the fraud charges made and sent to barclay XXXX credit card. 

XX/XX/XXXX, contacted barclay XXXX credit card 3x this month and to follow up on the fraud investigation and all they can say is it still pending XX/XX/XXXX, contacted barclay XXXX credit card again 2x this month and to follow up on the fraud investigation and seems like No one can give me a direct answer so much inconsistency on the investigation. The barclay XXXX credit card has not given me resolution. Everytime I called they put me on hold for 2 hours and hang up. Im getting charge of interest. 

XX/XX/XXXX, this is 4th month of investigation and still Has not been resolved.
Consumer complaint received 2022-09-07
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. (FL)

The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance None of the information requested has been furnished and provided to me by the credit bureau and the debt listed on my credit report is grossly inaccurate and should be removed according to the law. 


The account number on my credit report for this account is : XXXX Current law states the following pertaining to the XXXX of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-04-23
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: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2022 my credit was ran by Victoria secret/ comenity bank without my permission nor did I authorize it. I have been a victim of identity theft and these are fraudulent. Ive made a IDENTITY THEFT REPORT
Consumer complaint received 2022-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

On XXXX XXXX put {$400.00} into my PayPal account XXXX XXXX XXXX. On 3/23/22, I initiated a transfer from my PayPal account transferring the money to the XXXX XXXX XXXX XXXX XXXX XXXX The money was successfully sent to my account. On XX/XX/22, PayPal initiated a reversal and took the {$400.00} back out of my account. PayPal acknowledged the reversal was done because they had my bank account ending in XXXX. They determined that was not a valid account and reversed the money. The money however was actually placed in the correct bank account with XXXX ending in XXXX. It was also reversed and withdrawn from the correct account XXXX. In speaking with the bank, the transaction from PayPal did route to account ending in XXXX, however the bank has an account matching feature an they matched it to the correct account which ended in XXXX, which placed the money in the correct account for me. I have made multiple attempts over the last 30 days to get PayPal to return the {$400.00} they took out of my account on XX/XX/22. I have not been able to make any progress as PayPal denies they have the money and says it is with the bank. I was asked by PayPal to contact my bank and obtain a transaction number to prove they took the money. I did get the transaction number, XXXX, however now PayPal refuses to use this to trace the transaction and continues to deny taking the money. I have tried to escalate this to no avail. I am asking for assistance in the return of my {$400.00} which PayPal withdrew from my account without authorization and refuses to acknowledge or return.
Consumer complaint received 2022-04-23
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. (LA)

In accordance with the Fair Credit Reporting Act, the following companies with corresponding account numbers ; 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 XXXXXXXX XXXX XXXX XXXX  XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of inaccurate and/or complete information in consumer report. 

To whom it may Concern : You are reporting inaccurate and/or incomplete information concerning me in my consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following alleged Public Records you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable by you. 
Bankruptcys number : XXXX Bankruptcy number : XXXX First, I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached letters ). 
Secondly, I contacted XXXX and informed them of their errors and in reporting and they responded with a letter deleting any and all Public Record notations. ( See attached letter ). 
Third, I contacted PACER case locater.gov ( The official website of The United States ) for public records for bankruptcies and no records were located or filed under my name. ( See attached letter ). 
Therefore, you could not have possibility verified this information and request that you delete the alleged Public Records and provide me an updated copy of my consumer file. 
In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in you consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.

Im demanding all Bankruptcy information currently showing on my consumer report be PERMANENTLY DELETED immediately. 
Sincerely,
Consumer complaint received 2022-04-23
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: Experian Information Solutions Inc. (MA)

I am XXXX and I had a live in care taker. That caretaker opened up numerous credit accounts from XXXX through XXXX. I filed a police report and FTC identity theft report identifying the person who admitted to committing these crimes. I have tried numerous ways to correct these erroneous accounts for the past 2 years. At this point Experian refuses to look into this dispute any further. This is causing social and financial damages. My next step will be to secure an attorney.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (PA)

This complaint is from XXXX XXXX, a consumer/natural person. I am submitting this on my behalf and there is no third party involved. I notice that the company affirm is still reporting information on my report and continuously updating negatively causing harm to my credit profile. I also did not give written consent for them to furnish anything on my credit report. This is a violation under federal law pursuant to 15 USC 1681b ( 2 ).
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

Pennymac regularly sends advertising emails about refinancing opportunities. In it it states that it will give a .05 % point credit in addition to a {$1100.00} credit towards closing costs. When I started the process with them, I referenced this add specificially as a motivator to pursuing a refinance. They started the process and did not inform me that this is only for purchasing a new loan, not a refinance as the advertisement states. I started the process and spent {$450.00} on an appraiser, get to the end of the process, and was informed that this was not applicable to me. Later, I went through a process of trying get my PMI waived due to the amount of equity in my home. They told me they would not start the process unless I paid {$100.00} for an appraiser. I asked a lot of questions feeling mislead by my previous experiences with the refinance, and they assured me this was to appraise my home and send someone out to take a look. They never sent someone out and sent me a letter saying that they would not waive the PMI. I paid for a service and I did not receive it.
Consumer complaint received 2022-04-23
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. (TX)

ON XX/XX/2022 I, SENT TRANSUNION A NOTICE OF LIABILITY TO BLOCK AND REMOVE ALL INACCURATE AND INCOMPLETE INFORMATION BEING REPORTED ON MY FILE DUE TO IDENTITY THEFT, ALONG WITH MY FTC IDENTITY THEFT REPORT, OUTLINING MULTIPLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681c-2 ( a ) A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS. IT HAS BEEN PAST 4 BUSINESS DAYS, AND TRANSUNION HAS FAILED TO BLOCK THE REPORTING OF THE UN-AUTHORIZED ACCOUNT ( S ) IN REFERENCE THAT ARE STILL FRAUDULENTLY REPORTING ON MY FILE, WITHOUT PROVIDING ME WITH THE DOCUMENTARY EVIDENCE THAT WAS USED TO MAKE SUCH LEGAL DETERMINATION, TO CONTINUE TO FRAUDULENTLY REPORT INACCURATE AND INCOMPLETE INFORMATION ON MY FILE. PER 15 USC 1681b ( a ) ( 2 ) TRANSUNION HAD NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE I, NEVER GAVE THIS AGENCY MY WRITTEN INSTRUCTIONS TO FURNISH A CONSUMER REPORT AS THE CONSUMER. I NEVER GAVE THIS AGENCY MY WRITTEN CONSENT TO REPORT THE ATTACHED LISTED ACCOUNTS ON MY CONSUMER REPORT. TRANSUNION VIOLATED COMPLIANCE PROCEDURES PER 15 USC 1681e ( b ) ACCURACY OF REPORT AND FAILED TO CORRECT THE RECORD. TRANSUNION IS NOW WILLFULLY NON-COMPLIANT AND IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Liberty Holdings, LLC (OR)

On XXXX, my mother gave me a letter that she received in her mail. The letter was from a collection agency XXXX XXXX XXXX XXXX XXXX demanding payment for a XXXX XXXX bank. I remember my mother paying off my debt I owed to the bank. My mother had a copy of, proof of payment through a different collection agency for the same thing. Therefore I took the letter to the bank and asked why i received this letter knowing the debt was paid. The lady at the bank took a copy of it and let me know not to worry about it. In XXXX of XXXX I noticed i was being garnished from a liberty acquisitions servicing llc for {$21000.00} since XX/XX/XXXX. I was mortified! I found out this garnishment was for XXXX XXXX. I started calling around asking question and information, that I was denied of. So after collecting {$1600.00}, they stopped the garnishment on XX/XX/XXXX. I thought this was over, but on XX/XX/XXXX, I received a garnishment letter from the same collection agency again. this time garnishment is for {$5800.00}. Their attorney signed the paper on XX/XX/XXXX and my wages started to be garnished on XX/XX/XXXX before I even had anytime to dispute it. I called the agency and let them know this has been paid off already and sent them a copy of the proof of payment. Their attorney XXXX said that this proof of payment is not satisfactory because this debt is for a credit card and not a bank account. I was super confused at this. He took a picture and sent me a picture of what account it was for. On the judgment it says that i had opened a credit account on a SUNDAY of XXXX. I have been qualified for home loans and car loans, my credit history is clean, it shows no debt. I have a credit report from XXXX XXXX from XX/XX/XXXX, and this " debt '' is not on it. the attorney can't seem to explain any of my questions. I asked him to send me the entire judgment, but instead he just took a picture of the front and sent it to me. I do not claim or will I ever claim this debt for this is not mine. I never opened any credit card accounts until XXXX but from a different bank. This seems very fraudulent, due to them not wanting to give me any information regarding this debt, not following proper procedures, garnishing greater than total amount owed ( they said the original amount was {$1100.00} ), failing to give timely notice of garnishments. I have asked them to refund me all the money they stole from me, but they denied me of it. I am reporting this as a fraud due to never having a credit card account of the year XXXX, SPECIALLY opening the account on a SUNDAY. Case # is XXXX
Consumer complaint received 2022-09-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I sent a handwritten letter in regards to Validation of Debt ( letter attached ). Unaware of the response due to it being on the Experian website and not mailed certified as I did for my letter. The response was the removal of any late balance, but not the removal of late payments. If the conclusion of the dispute were that the balance was fraudulent shouldn't the late payments be a fraud as well? Please investigate this further and correct the misleading information on my report.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I have a fraud alert on my credit reporting and I was alerted that a hard inquiry was placed because someone tried to obtain a credit card at Bank of America in Texas and I dont live in Texas XXXX I called the bank and they were not able to help me because the office that deals with fraud is not opened right now. I have an appointment to speak with someone in person.
Consumer complaint received 2022-04-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 USC 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 permission
Consumer complaint received 2022-04-23
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. (OH)

AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX