davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: GUARANTEED RATE INC. (AZ)

Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. After being approved for forbearance from GuaranteedRate/XXXX   XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loan has now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the Credit Bureaus as delinquent as of XX/XX/2020. At this point I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Consumer complaint received 2022-07-05
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. (FL)

XXXX In Accordance with the Fair Credit act XXXX account # XXXX

has violated my rights. 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.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a business account with Bank of America and some one got a hold of my info a lil over a year ago and tried to cash a check for roughly 7000 dollars. It obviously wasn't mine and I recently been trying to take care of it they told me that I had ran it thru a ATM and I talk to the fraud and risk management dept. And after about 10 phone calls and the run around they finally told me to write to a division of bofa which did asking them to provide me with a " wet ink '' original copy of the check and they sent me a letter saying thr not XXXX take it of XXXX  which hurting my business cuz I can't get another business account cuz no bank is gona open with a fraud claim on thr which is making it incredibly difficult to conduct business. By federal law they have the burden of proof to show me the check that I used and whoever did could of never used an atm cuz i had my atm card at the time. Please help me to get them to remove it please and also sent the same letter to XXXX  which I reporting and all they sent me back was a copy of a bank statement I know that would not hold up in court. 
Thank you!
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MA)

Due to covid I was unable to pay off balance before promotional period of XX/XX/2020. Balance remaining was XXXX now its back to XXXX and 28.99 percent interest rates. I would have paid off with taxes but was unable to file due to covid. I have never missed or been late on a single payment in 24 months. It would have been great if I could just gotten an extension on promotion due to covid for 90 days so that I could have paid the balance with taxes
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (TX)

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. XXXX XXXX.

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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of the crimes which antendates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus have provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please take a good look at the following items and remove them once the Credit Bureaus found them inaccurate as soon as possible : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit bureaus accountable for your willful noncompliance.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (WA)

My purse was stolen and the thieves were able to make several fraudulent transactions with my cards before I could stop them they stole around {$7000.00} from me. I tried disputing with the different merchants first and advised them a police report was filed, the merchants referred me to my banks to file disputes with them, which I did. I was told I would get my money back, then when it came time to provide the funds they denied my dispute saying that they validated the transactions as authorized by me which impossible because I didnt make or approve anyone making those transactions. They wont provide me any specific details on how they came to their investigation decision. Theyve given me wrong/deceitful information every time Ive spoken with them which has been multiple times a day for the last 10 days. Then before even giving me the results they sent me an email telling me they were closing my accounts with no explanation again..Credit Karma spend account is the bank I am struggling with, its not my usual bank however I had my tax return deposited through them this year & I will never do business with them again after this. Its terrible enough to go through something this violating & then to have my bank whos supposed to protect me and my assets just disregard all responsibility makes me physically ill. Seems an awful lot like a pretty huge scam on their end.
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (FL)

I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. Equifax and XXXX XXXX were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either XXXX XXXX or Equifax. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or XXXX
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I am still being impacted by the covid 19 and havent returned to work. I need another payment waiver. I have been your customer for 23 years and have never missed a payment and I need help.
Consumer complaint received 2023-03-09
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: Cascade CISS Holdings, LLC (FL)

Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! 

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

PayPal Holdings , Inc. XXXX XXXX, California USA limit my account on XXXX XXXX XXXX XXXX  without showing any reason and hold my XXXX XXXX balance in it. Shown me notification that Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds.

Then on XXXX XXXX XXXX they deducted XXXXXXXX XXXX as fee without any reason. 
My balance was showing till XXXX XX/XX/2022. 
On XXXX XXXX they deducted my entire balance available in my account by name of damages caused and showing XXXX balance. 
Paypal should give my all balance in my paypal account which they held without any delay, due to this activity I suffer business loss .Paypal mentally hrassment me, if there damage occur why they not deduct it when they limit my account, so that I could not wait for 180 days in expectation that I will get my money, it's completely scam, fraud and mental hrassment. 
Please help me to get my money back from paypal. 
I sent email to refund my money on XXXX XX/XX/2022 but get no response by paypal. 
My paypal id is XXXX XXXX
Consumer complaint received 2020-05-29
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. (FL)

I was in the process of refinancing my home. I alerted my lender and XXXX-XXXX  XXXX of the impending re-fi and was told that as long as payment was received before midnight on XX/XX/XXXX, that there would be NO adverse late payment reporting to the 3 Credit Agencies. I have documentation that XXXX XXXX received the payment and total loan payoff on XX/XX/XXXX. 
I submitted all of the documentation to all 3 Credit Reporting Agencies. Only XXXX  removed the late payment ( in error ) from my credit report. XXXX  and Trans Union were both contacted and also received the same information that XXXX   received. They are still showing a late payment on my credit report after communicating with me in XXXX, XXXX that the late payment would be removed from my credit report. 
It still hasn't been removed by either Trans Union or XXXX. 
Could you please help me resolve this issue with these 2 credit reporting agencies, as I have never had a late payment and they refuse to help me. 
Sincerely, XXXX XXXX XXXX or XXXX
Consumer complaint received 2023-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 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 an account without my written instructions.

15 USC 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.
Consumer complaint received 2021-12-12
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. (GA)

Notice to all, I am, the consumer in fact, natural person, original creditor, lender. 

Fact, Chapter 41, Title 15 of the U.S. Code and the Gramm-Leach Bliley Act are intended to secure my right to privacy. My privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof pursuant to the attachment labeled as Exhibit A and 15 USC 1681, Equifax is an elaborate mechanism and has no affiliation with the US government . Equifax has not been fair and has disrespected my right as a consumer to privacy.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Equifax violated 15 USC 6802 as no financial institution may disclose nonpublic personal information to a nonaffiliated third party ( Equifax ). Equifax is a nonaffiliated third party and may not disclose my nonpublic personal information on any consumer report nor to any of its affiliates including but not limited to The Work Number and XXXX XXXX. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Equifax violated 15 USC 1681c-2 after I mailed them an identity theft report and supporting documents which served as proof that the accounts listed in the report were a result of identity theft.

Fact, affiant is aware and has proof pursuant to 15 USC 1681h, Equifax has not under the condition of making disclosures, required me to furnish proper identification, provide written or any other disclosure.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681b, Equifax may not furnish a consumer report without written instructions from me, the consumer. As the consumer who was violated, I am requesting all inquiries and the following fraudulent accounts listed below be removed from my consumer report within 14 days of receipt of this affidavit : 1. Dept of EdXXXXall accounts XXXX XXXXall accounts XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX I am also requesting the following fraudulent inquires be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Equifax Mortgage Services
Consumer complaint received 2021-12-12
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: JPMORGAN CHASE & CO. (CA)

I have been disputing inquiries onn my XXXX report specifically since before and after XXXX and have yet to receive reponses. I have not received any verification showing that I authorized for my credit to be pulled or that there is an active account in my name that is mine. There are companies on my inquiries that go under different names but are one company, all reporting as different inquiries. I am unsure what to do at this point, as this is hindering me from reaching my full potential with my business because my personal credit has been difficult to repair due to things like this.
Consumer complaint received 2021-12-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Around XX/XX/21 I put in a web request for refinancing with a $ XXXX cash out on a property in XXXX XXXX Texas. The first company to reply was LoanDepot and I started their process. The intake person I spoke on the phone was XXXX XXXX, Licensed Lending Officer NMLS # : XXXX. He quoted me the rate for investment homes at 3.625 % and no problem on the cash out. I filled out their electronic forms, they provided me with a conditional approval letter ( loan XXXX ) and collected {$21.00} fee to run my credit report ( low XXXX or near perfect ), they asked for a lot of information, I locked the rate early, and they asked for {$21.00} and {$490.00} to run my credit and pay for appraisal. I did. Fast forward 2 months later, the refinancing isn't closing. I ask repeatedly, what's going on, why are they having trouble closing? Their senior loan specialist XXXX XXXX stopped answering emails to me. I started calling the intake person XXXX XXXX and almost simultaneously I get a denial letter ( they had approved me conditionally twice ; I have the letters ) saying they were denying the loan because they were " unable to verify residence ''. However, XXXX XXXX over the phone tells me that cash out on rentals are not allowed because I live in CA. My guess is that he knew this from the beginning and took my {$21.00} and {$490.00} fees knowing I wasn't going to get approved. I, as a consumer didn't know that, but since, I have verified that information with other lenders. Additionally, the loan rates have gone up causing me to lose the window of opportunity to get a better rate. Deceptive practice or incompetent ( two senior ) staff? I want at the least my money back. I received a letter 2 weeks ago saying that a representative was going to call to try to remedy my complain... No one has called. I'm not holding my breath on that one.
Consumer complaint received 2021-11-18
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. (FL)

I have sent everything certified mail as well. 

XXXX is in clear violation of the FCRA law under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general- Subject to subsection ( 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. 

FCRA 15 US Code 1681a- Rules of construction : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE the account above from my consumer report, this agency is in violation of 15 USC 1681a Failure to respond with deletion of the above referenced account, and send out a free copy of my updated report after the changes have been made will result in legal action being taken against your company, for which I will be seeking {$1000.00} per violation for : XXXX. Deformation of Character. 
2. Neglect meant enablement of identity fraud. 
3. Fair debit collection practices act 15 USC falsifying violations 4. Fair credit reporting act 15 US C 1681n violations for Civil liability for willful noncompliance