davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders. 

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

Some time during the last week of XX/XX/2021 a check was stolen from the desk drawer in my private office at work, and subsequently cashed at another bank. The signature on the check was not mine. Check # XXXX in the amount of {$15000.00} dated XXXX. 

When I saw the check on my bank statement about 1 month later, I immediately called the police who arrived, and filed a report, and I called Chase Fraud Services and explained what happened. I provided all necessary paperwork and documentation including the police report and signed affidavits. I subsequently closed all accounts and opened new ones. A detective is working on the case. He stated it will be months before any progress is made, if any because banks are very slow to respond to subpoenas and by that time any video recordings of the transaction will be long gone.

During the initial call with Chase Fraud services I was reassured that because my bank account funds are insured by the FDIC I would be credited back for the fraudulent check. These phone conversations are recorded by Chase. I was then asked a few questions and I answered as accurately as I could, but later realized these questions seemed to be phrased in such a way as to protect the bank from liability. 

Ultimately my claim was denied by Chase Fraud Services. See enclosed letter dated XXXX. 

When I called Chase Fraud Services to question the claim denial, Chase Fraud services said that as per my answers, I did not take adequate precautions to " conceal '' the checks. Of course they were concealed they were inside a drawer of the desk in my private office that is off limits to the general public, but apparently that didn't stop someone from sneaking in there and removing the check.

Another question that apparently caused the bank to deny me reimbursement of the stolen funds was " Does anyone else have access to the checks in your deck drawer ''. My answer was " yes ''. My bookkeeper has access to the contents of my drawer- but they didn't ask me to clarify who has access other than myself. 

As I stated, despite early promises that the issue would be resolved to my satisfaction and my account would be credited, Chase Fraud Services ultimately denied my claim stating that I did not safeguard the checks carefully enough. Please see enclosed denial letter.
Consumer complaint received 2022-03-07
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-07
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)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2023-07-04
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. (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.

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 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
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 (FL)

I called up PayPal yesterday to cancel my account and they told me I had to cancel my credit card with them first. I followed up with that call and received a confirmation text stating that I cancelled my card. I proceeded to close my PayPal account and they wont allow me to do it. Im so frustrated and was waiting online and on the phone for an hour. Thank you.
Consumer complaint received 2024-09-05
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C.
1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may f
urnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-03-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery is furnishing inaccurate and erroneous information on my consumer report which is severely damaging my mode of living. I have requested documentation from them on this said alleged debt with no response. I want this account removed from ALL CRA 's immediatly or i will be seeking an attorney to handle the situation for me. I have let this company know an 2 occasions that this account should not be on my consumer reports yet they refuse to remove it. 
Account # XXXX
Consumer complaint received 2022-03-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Hello and thank you for your assistance in this matter. I am a victim of Transunion 's " inquiry issue.I called Customer Service at Transunion and shared with them how 3 inquiries showed back up on my credit report and they kept telling me I needed to get a letter of deletion from the creditors. I explained to them I shouldn't have to and then I asked them to please investigate it and she said no I need the letter of deletion from the 3 creditors first. PLEASE HELP.

the 3 creditors are : XXXX XXXX XXXX XXXX XXXX XXXX card services
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (TX)

I XXXX XXXX XXXX XXXX that is located in Texas. I received a XXXX XXXX XXXX XXXX from a creditor that was taking daily payments from my account. When I tried to rectify and missed a payment, the company placed a XXXX XXXX on all my accounts including receiveables. The companys attorney sent letters to Square/Block and XXXX regarding the lien. Because the lien was placed in error and did not follow process, my attorney was able to have the court vacate the lien on and requested all funds be released that were on hold. The court document on file releasing the lien was filed and provided to both XXXX and Square. 
However, neither company has released the funds after receiving the court documents. 
XXXX XXXX has indicated since XX/XX/XXXX that the account is under review. The message that they are aware that they have received the documentation requested but has not provided any further information in writing why the funds have not been released or when the review will be completed. Note that no further information as been requested either. 
2. Square/Block- has not issued a document except emails that have different information reargrding the process. Emails dated XX/XX/XXXX and XX/XX/XXXX indicate that once the court documents have been received, the funds that they are holding will be released. However, the court documents and additional information requested about my company and bank account was provided. The email indicates that the attorney that filed the XXXX must submit the document in one paragraph and then later the document indicates that the documents just need to be submitted. The emails do not have a name but one email had a long report that the attorney submitted the release of lien on XX/XX/XXXX and then refiled the lien on XXXX which did not occur. When I requested copies of the documents that indicated that a lien was filed on XXXX ; the company did not acknowledge the error but just indicated that I as the consumer could not submit the document from the court. I requested a copy of their policy regarding the matter and I have yet to receive any documentation regarding the policy or standards in the matter.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I never opened a account with capital one I have reached out multiple times explaining the issue and have yet to hear from them then I see that they upload a letter stating that the account was mine because of a address that they are claiming is linked to me but that not true what so ever that address is not linked to me nor is it on my credit report they are lying and falsifying documentation. I am in the process of talking with my lawyer and handling this matter in court
Consumer complaint received 2022-02-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

A Home Equity Loan was obtain from Wells Fargo on XX/XX/XXXX for the amount of {$30000.00}, of which {$24000.00} has been paid off. On XXXX of XXXX, I noticed that the loan amount continued to be the same on the monthly statements, I reached out to Wells Fargo, and they informed me that I have been paying only the loan interest and that I still owe {$22000.00}. 
On XX/XX/XXXX, Wells Fargo offered the following solution- '' The principal balance is decreasing accurately. Regular payments will pay interest due before paying principal. The account entered repayment on XX/XX/XXXX and the monthly payment was fixed at {$140.00} account maturity date XX/XX/XXXX. '' I was never informed of the account having been entered on a repayment. 
I am XXXX years old, which means that I will be paying {$46000.00} for the next 26 years until I reach the age of XXXX. Is this realistic?? 
On XX/XX/XXXX, I mailed out a letter requesting a review of the account for the following reasons : 1. Proof of loan payment, since payments were sent to two different account numbers a. one ending with XXXX b. the other ending with - XXXX The second account number was opened without my knowledge or authorization. 
2. Wells Fargo mailed me two different HELOC agreements- one had only my signature on it and the other had two signatures the house owner 's and mine. 
I am a XXXXXXXX XXXX XXXXXXXX, all documents were written in English. 
3. I requested to pay off the balance amount of {$5900.00}, the amount I thought I owned Wells Fargo. But, it was declined. 
4. Due to the pandemic XXXX I entered into XXXX due to grieving the loss of dear friends and family members, and the idea of losing my home and ending up in a XXXX XXXX. 
5. Finally on XX/XX/XXXX I reached out to " XXXX XXXX XXXX '' agency requesting legal advice/assistance to resolve the HELOC case and paid {$2000.00}. Four months later they presented me with a loan modification that Wells Fargo had already offered me previously. 
XXXX XXXX XXXX requested {$25000.00} legal fee if I wanted to continue with legal case with no guarantee of a favorable outcome. 
6. On Friday XX/XX/XXXX I reached out to Wells Fargo, after multiple phone transfers and speaking to multiple Customer representatives, and I was informed that the loan new/updated balance had increased to {$26000.00}, and I was instructed to call the Home Reservation Department next week on Tuesday or Wednesday ( XXXX ) because there was no one to assist me at that moment.
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I have been an account holder with PayPal.com for more than 5 years, and had NO MAJOR ISSUES until recently. On XX/XX/2022, I had a larger-than-usual payment made to my account. By the way I was treated, and by the amount of the documentation I sent. one would think I had stolen this money, or it was earned illegally!! It stated on the transaction summary that there would be a hold until all documents were sent to verify the information, and who I was! I not only had to send my driver 's license, an other identification, I also had to send a picture and a receipt of goods I sold!!!!! This is an invasion of privacy!!!! They should've looked at the senders information, and saw that it was from a jeweler/pawnbroker!!!!!!! I was treated as a XXXX who stole it!!!!! I has to fight like crazy to get this hold released -- I had to deal with countless customer service agents who anything but helpful -- how about they were deliberately antagonizing!!! I was finally able to reach someone in the escalations department to help release this hold!!!! I even filed a XXXXXXXX complaint, which wasn't all that helpful either!!! I was told this wouldn't happen in the future, but it has again, and now, it's even worse!!!! On XX/XX/XXXX, I received a check from " XXXX '', that was deposited into my account, and ready for immediate transfer, or so I thought. When I did the immediate transfer, the transaction details state that the transaction was pending until XX/XX/XXXX!!!!! It was supposed to be in my bank account within minutes, and I was told no more long holds!!!!!!!! Again, more run-around from Customer Service and the so-called Managers!!!!!! Yesterday morning, I sold an item, and the customer sent the money to my PAYPAL ACCOUNT. Those funds were to be on hold until the item was confirmed delivered-which would only be for several days-up to 7 days. Now, the funds are on hold til XX/XX/XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I need my money, and should have it after the item is delivered and confirmed delivered!!!!!!!!!!!!!! Otherwise, it's abuse and starvation!!!!!!
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc. (CO)

To whom it may concern : I have been approved to volunteer at my local airport, but they do require a background check that I am willing to consent to. However, the company that they use known as Sterlingcheck.com has been unable to help me with my concerns.

Before going through with the background check, I would like to obtain a free copy of my report in order to ensure that it is accurate. I have a legitimate concern that there may be potentially adverse information in my report and I would like to dispute it and have it removed. But they don't seem to be understanding my concerns and tell me they can't help me unless I follow through with the background check FIRST. They've also said to contact other companies in order to obtain my background information. 

Please help. Thank you very much.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I had a problem with a subscription service charging a credit card which I had paid off. Because I selected electronic billing, the credit card never sent a bill to me telling me there were charges so I never checked. I have credit monitoring and after the first delinquency notice I called the subscription and thought I turned off the product. They continued to charge, however. I didn't notice for a couple of months due to travel and was just busy- but saw my almost perfect score plummet over 75 points for repeated not paying my credit card. I called the credit card co - they told me to contact the XXXX agencies. I contacted EACH ONE and all worked MARVELOUS! They believed my story given my continuous payment history and the small amount involved ( less that {$50.00} a month ). However, Pentagon Federal Credit Union ( PFCU ) provides it's own scores - but based on the 3 XXXX  agencies. I use them, being a veteran, and once I saw their score wasn't changed I called them. They would not change the score! I asked them why- they couldn't give me a rationale. I assumed that it just took time, a month or so, but asked them to investigate and change the score. They just sent me an letter denying my request to change the score without telling me WHY. The score continues to by less than 700 while XXXX, XXXX and XXXX have a range of 790-820 depending on monthly balances. I believe they are doing this because I use their products and was trying to obtain another larger HELOC loan. Or just bureaucratic bs. Again, their excuse for not changing it is " this is what your score is now '', not even bothering to look at the 3 major XXXX score reporting agencies to see if it's been corrected or changed. They insist " I '' must provide reports from all three! When they have access to the information and I gave them permission for HARD credit score checks.
Consumer complaint received 2022-02-17
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. (PA)

I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.