davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act there are several accounts attached that 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 It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I havent given anyone written permission to furnish these accounts on my credit report.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

At the middle of XXXX I XXXX looking for a product. The XXXX XXXX I found a sight that had it in stock but charged quite a bit for a bottle. I went to the check out and realized they wanted payment through PayPal which I prefer not to use. I opted to use my debit card from my checking account. I paid {$19.00} on XX/XX/2020 I never received a confirmation number nor any tracking number. The only thing I see is they took the funds out of my account but never shipped the product. I tried numerous times to contact PayPal but you cant speak to anyone due to covid 19 they are saying. I tried to put in a dispute and request a refund for a scam bu was unsuccessful in that as well. The only information I have is this information that is showing on my bank account. PayPal XXXX XXXX CA XXXX XXXX. XXXX.
Consumer complaint received 2024-09-02
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I started the process of removing my PMI payments on XX/XX/2022. I finally received instructions via USPS on XX/XX/2022. PHH requested {$100.00} appraisal fee. However, I had an appraisal through PHH in XX/XX/2022 which I paid {$590.00}. On XX/XX/2022 I contacted them informing them of the appraisal I had through them. They requested a copy of the appraisal which I emailed on XX/XX/2022. They rejected the appraisal that PHH set up and still require the additional {$100.00}. I have emailed and spent over an hour on the phone with staff and supervisors and they refuse to accept the appraisal that THEY set up. It is absurd that I have to pay an additional {$100.00} after paying nearly {$600.00} for an appraisal! The emails are the generic rejection emails that seem automated. I spent an hour on the phone, over 40 minutes of that time was spent on hold.
Consumer complaint received 2022-06-17
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. (OH)

In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

Coinbase promises {$4.00} for taking a lesson about learning about Coinbase wallet. They do not mention that I have to sign up for the wallet until I'm almost through the lesson. I can't complete the lesson without doing the wallet thing.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I believe your actionsor lack thereofconstitute.

Your personnel 's inability to communicate effectively in cl

ear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal
action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Consumer complaint received 2023-04-05
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. (TX)

I filed XXXX attached disputes yesterday with Equifax of fraudulent inquiries on my account by Car Dealer. 

XXXX XXXXXXXX XXXX  Day before yesterday I also explained this to their account rep on a recorded line that these are incorrect inquiries which I did not approve. I was advised to file FTC report and send a copy which is attached here. 

Regardless I am concerned that while US businesses rely on credit reports companies such as equifax who are supposed to do a thorough investigation didn't bother to even ask the dealer if I consented for all these inquiries or where the inquiries originated from and how I authorized them Equifax response is INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

How did they decide that these inquiries are factual without even looking at the document where I did not authorize all these inquiries at all. If they have investigated this fairly, I would request them to provide me any such document. 

I am attaching FTC report, the disputed inquries and equifax report when dispute was closed as well as my Equifax XXXX credit report with score XXXX Note that on calling XXXX and filing dispute without FTC report, these hard inquiries were removed from my credit report. So obviously the business of credit reporting overall is not consistent and needs better regulatory framework. They have been given too much leeway. 

Equifax better do a robust job of handling investigations fairly if they don't want to get into trouble for unfair practices
Consumer complaint received 2023-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

ive received a bill back in XXXX XXXX XXXX, i immediately called and asked them who they were and why was i receiving this bill? Once they informed me of where it was I immediately knew it was not me. I live in Florida and never have been to a hospital in XXXX. They told me i needed to file a dispute with XXXX. i did so on XXXX XXXX. Today i called again and they said the only way they can remove it is if i made a police report for identifty theft or fraud. Once i obtain that i have to send it to them.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (FL)

XXXX XXXX XXXX XXXX is a company providing respiratory equipment to Patients. 

Based on your description, it appears that I have been a victim of fraudulent billing practices by XXXX XXXX XXXX XXXX. As a retired physician with expertise in medical billing and collections, I am well-positioned to recognize and report such fraudulent activities. 

A fair resolution to this issue would be for XXXX XXXX XXXX XXXX to immediately cease all billing and debt collection activities related to My account and to remove any negative marks on my credit report. Additionally, the company should be thoroughly investigated for XXXX fraud and, if found guilty, should be banned from future participation in XXXX and healthcare insurance programs. 

I should also consider reporting the company 's fraudulent activities to the appropriate authorities, such as the XXXX for XXXX and XXXX XXXX ( XXXX ) and the Department XXXX XXXX and XXXX XXXX ( XXXX ), as well as filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). By doing so, you can help prevent others from falling victim to these fraudulent practices.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently checked my credit report and saw numerous accounts that do not belong to me, nor have I applied for. The company showing a closed account is XXXX XXXX XXXX XXXX XXXX  I also noticed multiple inquiries reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo continues to operate under abnormal and shady practices. I received a letter on XX/XX/2022 about claim # XXXX. Previously this claim was resolved back a couple month 's ago, I was sent a previous letter from Wells Fargo Explaining they had completed their investigation and confirmed that an error DID occur. These are fraudulent transactions. Wells Fargo had stated in that letter that the previously issued credit on the CLOSED checking account ending in XXXX was resolved and that the credit was final. However now I am receiving a letter from Wells Fargo that states we have completed our research and based on the information " Available to them '' the charges were made by Me " False Accusations '' or someone who had my supposed permission. This is not true. I never Authorized these transactions. Wells Fargo previously resolved this claim and then month 's later is going back into a closed account and telling me they are going to deduct {$230.00} that they expect me to pay for fraudulent charges. on XX/XX/2022. This account has been closed for well over 90 days. I will not be paying fraudulent charges. I do not agree with this especially since Wells fargo previously sent a letter stating an error DID occur now they are counterdicting themselves. This is shady how they are treating people.
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 some body called XXXX XXXX swapped my phone XXXX card and stole all my money from my Citi bank accounts. The bank declined the claim saying I did not safeguard my money.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/XXXX I applied for the American Express, Delta sky, Miles flex perks account. 


The Delta sky club advisor told me I would get an incident response once I applied. I informed the sky club representative that I had a freeze on my credit report, and they advised to submit the application I didnt receive instant approval and the advisor told me to then remove my freeze and apply again. After reading the fine print of the card, it clearly stated do not apply. Multiple times Because I was ill advised I think American Express gave me the lowest limit based on my credit account being locked and froze This card is the only card that allows access to Delta sky club and has the additional promotional offers when you spend a certain amount within your first few months of having the card. It was also a referral from another American Express flex, perks card member.

I didnt receive any approval letter electronically. I didnt know I was approved until the card came in the mail with an extremely low credit limit.

My credit score is in the XXXX my income is very substantial without giving personal information. My credit limit is not in line with what American Express has given other consumers that have much lower credit, scores, and income levels. 

When I tried to call and speak to someone in the fair lending department, the American Express customer service rep could not get me over to anyone, and said my only option to increase my limit is to put in a request that was instantly denied. She then went on to explain her computer system did not allow her any options to get me to anyone physical to talk to. 

I asked her to file a complaint and the rep filed the complaint without understanding the full story or articulating my concern, so I was not listen to nor understood, nor was my problem solved.

My complaint to this bureau is to point out unfair lending practices, bait and switch tactics, and any consumer should be able to speak with someone in the finance department or fair, lending department, when being excepted to have an American Express card.

I also want to point out that I should be getting additional benefits because this was a referral from another card member but not only is my account not set up properly neither is the other cardmember Thirdly, with a low credit limit. Its impossible for me to get the promotional offers. If you have to spend {$6000.00} in a certain amount of time, but your credit limit will not allow you to meet those requirements that is also unfair and predatory in my opinion. It will also negatively impact my credit score by having such a low limit
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXL XXXX DOE XXXX XXXX DOE XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (TN)

Over four months ago, I contacted Discover regarding a credit card account that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain a 1099C for discharged of his alleged debt so that I could file his final tax returns for XXXX. Discover was kind enough to do this and they forwarded a 1099C which I used to file my brothers taxes. ( copy attached ) Unfortunately Discover continues to report on my brothers credit reports that he still owes them on the account even though they clearly have discharged it. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Discover is still in the position to either attempt to collect or sell off this debt to a third party as long as they are reporting this account to the credit agencies and while this account appears on his credit reports. While I do not think that this a malicious act by Discover nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Discover on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Discover and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Deceased Card Services Department, who told me that the company is not listing the debt and is no longer interested pursuing this debt. Nevertheless as of today this account is still being reported to the credit reporting agencies despite what Discover is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report this closed and discharged debt.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed several accounts on my credit report that does not belong to me. 
XXXX XXXX XXXX,XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Trans UnionXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-13
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. (NV)

I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.
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: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

This company is changing payment history on a account that is almost 10 years old. I called multiple times and spoke with numerous supervisors. None of them seem to understand the situation, which is very confusing to me. The account should be removed from my credit profile after 7 years. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions