davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello my name is XXXX XXXX and I want to report 3 accounts on my XXXX credit report that are and derogatory that do not belong to me and 2 on my Equifax that also do not belong to me as.I have been a victim of identity theft. I need to know why these are onn my credit report and why after sending 4 rounds of letters for dispute I have not receieved anything back from the bureaus I also opened an FTC for these accounts and yet they are still on my report. I will upload my ID. This is identity theft and I need this taken care of ASAP Thank you
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 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 XXXXXX/XX/year>
Consumer complaint received 2023-05-18
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

17. there is some inaccurate information reporting. 
WORLD FIN Account Number : XXXX Delete this account. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-03-16
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-05-17
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (UT)

US Bank is reporting a late on my credit file that needs to be removed. I had my account on deferment for XXXX, XXXX, and XXXX. However, when I looked at my credit file I noticed that they reported me late for the month of XXXX in 2020. This is not my error, and it must be removed immediatley.
Consumer complaint received 2022-06-30
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: CITIBANK, N.A. (TN)

XXXX XXXX XXXX XXXX CITIBANK NA., BEST B XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-17
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 am a victim of identity theft, I have sent a FTC report out before to have these accounts removed immediately from my report according to the FCRA which was told by my lawyer these accounts are suppose to be blocked and removed right away then are suppose to be reinvestigated they are violating human rights and are creating a danger for me and my family because these accounts are effecting my credit score. These accounts are not mine. I filed an FTC report and Identity theft affidavit with proof of a letter that has been signed and notarized that this is me disputing. I know it is your companies dutie to report right information please remove all of the fraudulent accounts. 

XXXX Bless
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upstart Holdings, Inc. (TX)

I originally took out a personal Loan with Upstart, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. Upstart was one of these lenders that was defaulted in the process. 

Upstart notified me that they sold the debt to " XXXX XXXX XXXX '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact XXXX  by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. XXXX XXXX never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IA)

On XX/XX/XXXX I received notification that an ACH deposit failed. The email stated " please deposit XXXX USD within 7 days to bring your Binance.US account into good standing. When you initiate an ACH deposit, we credit your account immediately and your bank is charged 3-7 business days later. To settle the disparity. '' On XX/XX/XXXX I deposited XXXX $ minus the fee had XXXX in my account. On XX/XX/XXXX I deposited another XXXX $ which took care of the charge back email I received on XX/XX/XXXX. On XX/XX/XXXX I contacted customer support and asked how long it would take to unlock my account. My support ticket is # XXXX. Which was filed with Binance us. Yesterday I received this email " We are terribly sorry for the delay in our response! 

Currently, we are working to resolve a high volume of inquiries, and we noticed you had not yet received a solution. 

If you still need assistance or have any questions, please let us know and well get back to you here ASAP! 

Thank you! 

Customer Support Binance.us '' While the whole time my money is sitting in a crypto currency that I've been trying to sell to prevent me from losing thousands of dollars ... ..if the market crashed tomorrow all my money would be gone, which makes this important to handle in a Timely manner. I've read other people who were locked out for months. Feels like they are holding my money hostage, while I have to sit back and do nothing
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

My Kids send me money and wanted me to have a Chime Card account ... ... Today I went into a store and was declined ... .There is {$610.00} cash dollars in there as I have not been out because our weather was rainy cold and bad. Chime indicates I have done something illegal and they had to close my account ... ... .I have no idea what they are talking about ... .I want and need my money I am a XXXX XXXX XXXX Retiree with two Bank accounts 1 ) XXXX and 1 ) XXXX over 30 years old ... ... .Never had a problem. I do NOT HAVE A CRIMINAL RECORD. Please contact them and untangle this. I tried and only got a recording and a crazy email telling me to wait 30 days for my money which is horrible. I filed a complaint with the XXXX Chime wont even communicate.
Consumer complaint received 2021-02-23
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. (TX)

I have sent multiple letters to TransUnion disputing the inaccurate reporting of the following account : XXXX Account # XXXX They are reporting this as an " Auto Loan '' and the contract from XXXX XXXX states it was a Motor Vehicle Retail Installment Sales Contract ( See attached document ). 
Transunion 's last response on XX/XX/2021 verified all information being reported was accurate and correct XXXX XXXX attached document XXXX XXXX reporting is a FCRA violation. 

Also they are reporting a recent missed payment from this account and that is also inaccurate and dropped my credit rating XXXX points! I am in a financial bind because of the pandemic and my bank declined me a credit line increase due to recent payment history from TransUnion XXXX XXXX attached document ). This inaccurate reporting has been causing me tremendous stress! XXXX not reporting a recent missed payment like TransUnion. XXXX XXXX attached documents ) I have 100 % on time payments! TransUnion has failed to complete a proper investigation.
Consumer complaint received 2021-06-08
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 (CA)

I just opened an account with PayPal last week. PayPal email is XXXX, I successfully completed 2 transactions and both transactions they had a hold placed on it. Yesterday my friend loaned me some funds so that I can pay some of my bills and rent and I wasnt able to transfer funds to my bank account. I tried to get help from chat support but they couldnt help me, and placed my account on limited access. I cant access my funds at this point. They wanted me to verify my identity and bank card which I did, and after verifying my account I received an email saying PayPal close me account and any funds in my account will be on hold for 180 days. I cant wait 6 months for funds that I need to pay my bills right now. They close my account with out an explanation as to why! At this point I dont care about using their service anymore and I just want to be able to withdraw my funds out and move on from this! This is not right and feels like a scam.
Consumer complaint received 2021-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (AL)

Heartland ECSI has been retaliating against me regarding my complaints about their service. 

I obtained multiple student loans through my school, XXXX. For now, my school chooses to service its student loans through Heartland ECSI. My school put all student loans into forbearance until XX/XX/XXXX. Heartland ECSI sent me a false statement for XX/XX/XXXX saying I owed {$1200.00}. I then received another false statement for XX/XX/XXXX saying I owed {$1500.00}. Heartland said that it would fix the statements. 

Heartland makes it extremely difficult and time consuming for borrowers to make payments towards a single loan. I prefer to apply extra payments to loans XXXX at a time to pay them off faster, thereby removing a payment. I also target the higher interest loans first. Heartland requires borrowers to make a payment, which is applied against each loan. In my experience, most of the money has gone to the lowest interest loans, thereby extending the length of the loans. Entering this payment takes a few days. The borrower must then contact XXXX 's customer service to enter a request to adjust the loan to be applied against only XXXX loan. 

On XX/XX/XXXX, I made an extra payment of {$2800.00}. I then requested that this payment be applied to a single loan. Because Heartland had not fixed the false statements that it had been sending me since XXXX, I was misled into believing that my account was current. The next month, I was surprised when I was informed that I needed to make my monthly student loan payment for XXXX AND for XXXX. 

It took many conversations over several months to figure out that this is what had happened. After I informed XXXX 's customer service rep that I was saving my conversations with them, Heartland removed the option from the end of my chats to save a PDF of the chat. I have been saving XXXX docs and screenshots now instead. 

Just today, I was informed that if I want to keep making one-time extra payments in the manner that XXXX told me to many months ago, I need to be aware that Heartland XXXX deny my requests to adjust those payments to apply only to a single loan. Instead, the rep suggested that the preferred method is to set up an automatic recurring payment. That would be fine if I had a fixed extra amount that I was paying on a regular basis. But I do not. That means that XXXX 's default of applying payments to the lowest interest loans will lengthen the amount of time borrowers are forced to service their loans with XXXX and deal with their misleading and dishonest business practices.
Consumer complaint received 2022-06-11
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. (VA)

Upon reviewing my credit reports in XX/XX/2021, I found an account from XXXX XXXX ( at some point the agency began reporting the same account under XXXX XXXX and XXXX XXXXXXXX ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I sold a property. The closing attorney paid off the balance with XXXX XXXX on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX still lists the balance as unpaid and filed a XXXX  day late report with XXXX and Equifax. I disputed this fact. But XXXX XXXX reconfirmed that the full balance is still owed. However, I am in possession of a XXXX statement and a letter from XXXX XXXX stating that the account is closed. I tried to dispute the reports again, submitting this information to no avail. The bureaus responded that the investigation is closed.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no business with XXXX XXXX XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

I returned a large purchase on my Chase XXXX XXXX XXXX VISA on XX/XX/XXXX. This resulted in a credit balance of XXXX. I called on XX/XX/2022 at XXXXXXXX XXXX  EST to discuss my balance being refunded to me. I was told an electronic refund was quickest. I would receive an email in the next 23-72 hours to process this request. 
On Monday, XX/XX/2022 at XXXXXXXX XXXX EST, I called again because I had not received the email. After 12 minutes the agent returned saying that because I had made charges the new amount would be credited. I would receive an email within 24 hours and once I responded to the request for information, it would be credited to my account within 3 business days. I have yet to receive the email. I called Chase XXXX XXXX XXXX customer service on XX/XX/2022 and was told it was processed and there is nothing further they can do. I would have to wait for it in the mail. Which means they have been using my money interest free for over 15 days.