davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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. (NC)

XXXX XXXX XXXX reporting false information this account is close and satisficed declaration character please remove false information XX/XX/XXXXthirds party i have no relationship with reporting in accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX remover off credit report
Consumer complaint received 2020-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

These accounts are an result of fraud XXXX  {$3500.00} XXXX XXXX  {$0.00} XXXX XXXX  {$2000.00} XXXX XXXX  CREDIT {$2500.00} XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Select Port Folio. Received in the mail letter from the foreclosure attorney stating they were accelerating my loan. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

I got a second mortgage to pay off my Barclays credit card. This payment was sent on XX/XX/XXXX. On XX/XX/XXXX this check was processed by Barclays bank. This payment was not processed on my account. I called several times over the course of a few days. They would not make a case on several occasions. I called XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They made a case for me finally today. They told me it would take up to 60 days additionally to resolve. Their are now two case numbers that I can and will provide for my two accounts. I have check images that show these payments were made and would like this resolved as soon as possible. In the course of these days of calling Barclays Ive been on the phone over four hours and Ive been hung up on at least four times. Reps have refused to give me a operator ID numbers And in most circumstances been very unprofessional. I do have operator ID numbers for several of the reps that I spoke with and can provide additional details as needed to help in your investigation.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Some one stolen my identity, my social security number, date of birth, name, address and used that to open an online account with bank of America, I contacted the bank, they confirm the identity theft and said they closed that account. One of their suggestions is to report that to you. Also I filed a claim at the police station. So please help me out.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: MIDFIRST BANK (VA)

On XX/XX/XXXX I funded from an external bank account XXXX that went to a new account at Vio Bank. On the XXXX I got an email saying the transfer didnt go through. I called the bank and they told me the closed my account. I got no notice or explanation. I do not have my money back.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I am the U.S. executor for the Estate of XXXX XXXX and there are two British co-executors. The executors received the appointment letter from XXXX County ProbatXXXX in XX/XX/2022. Since that time, I have closed XXXX XXXX numerous bank and brokerage accounts and deposited the funds into the estate account at XXXX XXXX XXXX XXXX. However, Truist Bank will not talk to me to close her accounts held there. I have gone to two separate branches, including one on XXXX XXXX XXXX XXXX ( I am XXXX XXXX ) but to no avail. It was suggested I get an attorney to write an opinion letter that indicates the executors can act independently ; this statement is in black and white in the will but Truist has indicated it will not read the will. I have sent the death certificate, the executor letter and the will along with a letter requesting exactly what procedures Truist Bank requires for me to close the accounts to their legal department ; I have not had any response from them in over a month. I understand Truist took over SunTrust and BB & T but there has to be a way for the estate to close the accounts of a deceased client. Truist is earning money on XXXX XXXX accounts and should be instructed to return any interest earned to the estate. I request the Consumer Financial Protection Agency force Truist Bank to turn over XXXX XXXX bank and investment accounts so we can finalize the estate. XXXX XXXX XXXX, XXXX, Executor for the Estate of XXXX XXXX
Consumer complaint received 2020-07-09
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. (OH)

The accounts below do not belong to me, I do not know whom they belong to, I have never done business with either of these companies. I have tried many times to have them remove this from all three credit reporting companies, and it has not been done, as of yet. This is stopping me from providing for my children and buying a home. 


XXXX XXXX XXXX Account Opened XX/XX/19 Balance {$12000.00} Account # XXXX XXXX Account Opened XX/XX/19 {$760.00} Account # XXXX
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXXBankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I noticed that my credit reports are reflecting a late payment on my JPMCB - CARD SERVICE account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One acct XXXX Account was paid off in XX/XX/2022, but small amount of interest accrued bringing balance to {$2.00}. 
Account was not on autopay, and was traveling a lot in XXXX, so did not see statement with small balance. Fees were then charged following month for {$2.00}, brining balance to {$4.00}. 

I eventually paid balance, but account was reported to the reporting agencies for what was only interest and fees accrued, and resulted in my credit score dropping XXXX points from a score of nearly 800. I even have a savings account with Capital One for over {$2000.00}, so was really surprised by the negative action for such a small balance! 

My husband and I are in the process of buying a new home, and such a significant adverse impact on a credit score for a petty balance consisting of only interest and fees seems wrong. 

Thanks for listening- I hope you can help us rectify. 

Best, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all XXXX credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost XXXX months and nothing.
Consumer complaint received 2022-09-20
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

XX/XX/2019 PayPal debited {$12.00} from my account ( Unauthorized debit ) XX/XX/2019 I called PayPal. PayPal refused to return any dollars Issue : PayPal ( again ) makes unauthorized debits from my account. Previously PayPal made unauthorized debits/holds on my funds due to credit card charge backs. 

Dispute : PayPal, XXXX and US Postal Service have an agreement among the three to allow unauthorized debits for incorrect postage. I have no say in that agreement. 

Statement of Facts : I accidently switched two XXXX shipping labels. One label was for heavy package ( {$7.00} USPS small flat rate box ), the other light ( {$3.00} USPS First Class ). USPS debited the full postage cost of the heavy box ( {$12.00} ) rather than the correct cost of a small flat box EVEN THOUGH the item was clearly packaged in a USPS-issued small flat rate box which commands a postage of exactly and only {$7.00}. USPS has not to-date credited me with overpaying on the other package. ( {$7.00} paid rather than {$3.00} ).
Consumer complaint received 2022-07-13
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. (OK)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.
Consumer complaint received 2022-09-03
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information and unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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 XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 after the date of receipt.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have reached out to XXXX and XXXX to update my credit profile and remove inaccurate and fraudulent addresses, names and other information from my credit profile and they have refused to do so. i asked them to delete all of the following information and they have refused. XXXX XXXX XXXX XXXX Mi XXXX, XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX XXXX Mi. XXXX, XXXX XXXX XXXX, XXXX, Mi. XXXX, XXXX XXXX XXXX XXXX, Mi XXXX. These addresses are inaccurate and fraudulent and they need to be removed. These names are inaccurate and need to be immediately removed, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-30
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. (CA)

i just found out that there is an account with ( loanme XXXX : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-06-24
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. (NY)

I've contacted Equifax through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX NA ( Inquiry date : XX/XX/XXXX XXXX 3. XXXX XXXX AUTO FIN ( Inquiry date : XX/XX/XXXX XXXX 4. XXXX XXXX XXXX  XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 5. XXXX XXXX ; Late Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX These accounts, inquiries and late payments are individual actions, they must be delete immediately.
Consumer complaint received 2020-10-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.