davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXXXXXX  XXXX XXXX****, XXXX XXXX XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX**** and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 2500****
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I been trying to get XXXX to update my address since 2020, XXXX has inaccurate information on my report since XXXX, TransUnion has inaccurate information on my credit report since XXXX. I have paid credit repair company to repair and remove those inaccurate information, I cant get approval for a mortgage until I take care of this. Now going on the XXXX  year. This is insane.
Consumer complaint received 2019-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (NV)

This company : CAPITAL MANAGEMENT SERVICES L.P. aka XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County, NY XXXX XXXX / XXXX / XXXX Fax : XXXX https : //www.cms-collect.com/ ... is calling family members multiple times in attempt to collect a debt not owed to them from the receiver.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

us dept of education and XXXX XXXX is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.
Consumer complaint received 2022-02-04
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. (AZ)

XXXX  XXXX, AC # XXXX, DO:XXXX Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-26
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: TRUIST FINANCIAL CORPORATION (MA)

Hi BB & T & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On Saturday XX/XX/2019, my husband and I went to a Chase bank branch asking to close both of our individual checking accounts and to consolidate all of our funds in to our joint checking account. The funds were initially transferred with a promise of the accounts being closed on Tuesday XX/XX/2019. But on Wednesday XX/XX/2019, the funds were returned to our old primary checking accounts, which appear in our online banking. We try to transfer those funds but are told by the Chase website that we can no longer access that website. I would like the a accounts to be closed and the funds to be transferred. My account still holds {$20.00} and my husbands account still holds {$25.00}. Please assist in returning those funds to our joint account and closing the individual accounts.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (PA)

XX/XX/21 call XXXX XX/XX/21 call XXXX XX/XX/21 call XXXX to dispute 10 hard inquiries that are inaccurate reported XX/XX/21 XX/XX/21 XX/XX/21 call equifax about 3 hard inquiries that are inaccurate Sent a letter to dispute on XX/XX/21 no response
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AR)

I have been using Paypal for my freelance business for three years. I received a notification yesterday that they would start holding money I made over {$300.00} for up to 21 days. When I called to find out why, Paypal stated the account had been reviewed, but they couldn't give me specifics. I spoke to multiple supervisors and got the same answer : A review had been done of the account and they determined to hold any money I made over {$300.00} due to a " risk assessment. '' They told me that it could change during review next month, but they refuse to explain why, after three years, they are restricting my account. I've had no complaints or anything to warrant them placing holds on my account. From what I can gather, it appears that whoever looked at my account thought I was selling goods through Paypal that would allow customers to complain. However, I am a XXXX XXXX and XXXX XXXX XXXX XXXX. I don't even get paid until the services are complete, which eliminates the risk to Paypal. When they are holding my money, without cause, for 7-21 days, I'm unable to feed my family.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been charge {$270.00} on my credit card from XXXX but they denied any charge for that amount but it showed on my credit card statement but when I disputed it with the bank they asking to wait 90 days witch way too much specially I didnt make those charges.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally file a complaint against Equifax located in XXXX, GA .This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AL)

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. List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2021-12-23
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. (KY)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-08
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT REPORTING ON MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY ACCOUNTS THAT I HAVE OPENED PREVIOUSLY. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT AN INVESTIGATION TAKES PLACE SO THAT THIS ACCOUNT CAN BE REMOVED FROM MY CREDIT FILE. THE ACCOUNT DOES NOT BELONG TO ME.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (IL)

I recently reviewed my credit report and found the following unauthorized credit inquiries reflecting on my recent credit report. I did not personally apply for any of the banks and lenders below. Please Delete the listed inquiries from my credit report promptly. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

Before I was married my name was XXXX XXXX and I went to cash a check at a Wells Fargo Bank in XXXX NJ. I was asked if I wanted to open up an account and I told the teller no but he sent me to a personal banker who said that he needed my social security number to cash my check because I was not a customer. Later on I began receiving letters saying that I had overdraft fees in my account but I was confused because I never opened an account or was issued a debit card. When I brought the overdraft letters to a bank in XXXX, NJ the bank manager said not to worry about the letter and discard it. It turns out the personal banker opened an account for me without my permission to meet their quota when he asked for my social security number while cashing my paycheck.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am writing to file a complaint formally regarding an issue with my Citibank account. On XXXX XXXX XXXX I deposited a total of {$5000.00} in money orders into my checking account. Shortly after that, my account was placed on hold, and I was informed that I would need to wait 1-2 business days for the hold to be lifted. 



After waiting the required period, I contacted customer service, only to be told that the hold would not be lifted unless the issuer of the money orders contacted Citibank to verify the deposits. I complied with this request, and the issuer contacted Citibank to verify the money orders. Despite this, I was subsequently informed that I must now visit a branch and provide receipts for the money orders to have the hold lifted. 



I find this series of events highly inconvenient and frustrating. I have complied with all your requirements, yet the hold on my account remains unresolved. This has caused significant disruption to my financial activities and is unacceptable.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX at XXXX pm Citi bank XXXX department called me unfortunately I was not able to pick up, but they left a voice message. I called them back and spoke to XXXX, and she informed me that the analyst responsible for my case is having issues with her computer. then proceed to ask me for a bill on my name I informed her that I have no bill on my name, and I sent My XXXX form and my driver 's license info. I informed as a matter of fact I could go to the branch in person to verify who I am which is the best form of identity verification. I proceeded to inform her the only reason that Citibank is reaching out now is due to being caught, they did not think I will submit a complaint. they had every intention of keeping my fund and not giving it to me because if they did want to give my fund back they would have reached out sooner not after I submitted a complaint requesting my info. 
Citibank has a habit of doing so, back in XXXX Citibank was sued for stealing funds from clients. I will not go peacefully into the night regarding this matter. I am keeping all my recording for when it goes out to the media. Hopefully, I will numerous individuals going through the same thing so we can bring a class lawsuit against Citibank.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent these credit reporting agencies credit karma, XXXX, equifax, and XXXX to remove these items off of my credit report that include all addresses, birthday, name, employment and hard inquiries, as I did not give permission and I did not give permission to share with XXXX XXXX corporations remove now or pay fines! 
They are also stating there are late payments as well this information is inaccurate 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsyou might consider filing a lawsuit.
Consumer complaint received 2023-04-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (IN)

XXXX XXXX and XXXX XXXX from fairway mortgage Im XXXX, XXXX  are two of the most inexperienced loan consultant and loan assistant I have ever encountered. I lost out on XXXX do to an inspection and appraisal on a home they could not get me financed for all because they never bothered to look at my documents that they have had since XX/XX/2023 before sending me to underwriting and putting me under contract on this house that is {$310000.00}. Once the underwriter received the file they called and told me it was an issue with my taxes and I needed a co buyer then a week later it was my DTI was too high I still needed a co buyer. I applied for this loan on my own so if I could not be financed I dont have a loan they then did not want to provide proof that my loan was not approved or denied but that I withdrew my loan. Which now has turned into an issue with me getting my {$3000.00} earnest money back from the seller because they could not finance me. They are in experienced and unprofessional and I will exercising my rights due to them not doing their due diligence from the very beginning and pre approving me correctly and reviewing me documents to ensure I could afford such house before a contract was signed. I lost out on money, time away from work and that are trying to force me from getting my 3,000 back. I finally received my pre approval letter after I was already under contract and underwriting denied the loan still due to my DTI because the loan officer did not do his job.