davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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. (NC)

These XXXX credit bureaus drop my credit score XXXX points because a credit card was removed from my account. When we pay stuff off and take it off our credit report that means that we did something good we got something on credit we paid it off and it was good. We should not be penalized for that. this credit system in America is set up to keep you broke and is set up to make you have to have a credit score and then youre judged and rated on that credit score for any future purposes, whether its a financial purpose, a job purpose to get a home or anything. This whole system is a scam and has been taken advantage of. When I see XXXX XXXX that says they can raise my credit score XXXX points in XXXX days because I have my paycheck sent to them and save {$10.00} a month into their savings account. This is proof that our credit score is being taken advantage of. The manipulation of the credit system is out of hand and needs to stop now I need to hear from somebody and fixes need to be made immediately or I will go nationwide with this, and I will bring it to everybodys attention!
Consumer complaint received 2022-07-21
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : CARNGTN MTG XXXX
Consumer complaint received 2023-06-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2023 I notified Venmo that a fraudulent Venmo Credit Card had been opened in my name. I then asked that my Venmo account be closed, which they said they could not do, because there was an account balance owed on the fraudulent credit card and that I needed to contact the credit card issuer, XXXX XXXX at ( XXXX ) XXXX to report the fraudulent activity and get the credit card balance cleared. Meanwhile, Venmo was holding {$2300.00} of mine that I could not access. After being required to provide a copy of my photo ID and a picture of me holding the photo ID, they finally unlocked my account XXXX transferred the {$2300.00} out of my Venmo and again requested to close my account, Venmo refused, again saying that they needed me to work with XXXX XXXX. XXXX XXXX told me that they had XXXX days to complete their investigation. XX/XX/2023 I finally receive notice from XXXX XXXX that their investigation is complete, the credit card account had been identified as fraud, the account has been closed with no financial obligation due on my part and the credit bureaus had been notified. I sent the letter to Venmo, asking again to close my account, 8 email exchanges with Venmo, they have no other way you can contact them. This is the last email I received " I understand that you wanted to close your Venmo account. I tried to do it, but just like the previous representatives, I was unable to do so. I see that you sent in the document confirming that the credit card was already closed. Kindly respond to the ticket # XXXX so they can double-check it and further address your concern. '' I have no idea what ticket number that is or how to respond to it? The entire process is broken and made to be frustrating and complicated for the customer.
Consumer complaint received 2022-12-03
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. (TX)

I have not received a response from the credit reporting agencies on any of my disputes. 

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 : # XXXX, XXXX XXXX : # XXXX ; XXXX XXXX XXXX XXXX : # XXXX ; XXXX XXXX XXXX : # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX : 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 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 report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Fair Resolution To this Issue?

Delete These Accounts Immediately
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concern, I had reported a fraudulent claim to Capital One in XXXX of XXXX. The first agent that I spoke with, listed it as a dispute. I dealt with them for over XXXX months in order to resolve this fraudulent claim. They had charged me interest and finance charges during the time that this matter was continuing. I stopped using the credit card while this matter was in question. On XX/XX/XXXX of XXXX, the last agent I spoke with told me that I still owed XXXX XXXX I asked her what it was for and she could not tell me what the charge was for. I paid it and they received it on XX/XX/2022. As far as I am concerned, I have always made all my payments on time. They finally, fixed the fraudulent claim, but they still wanted to charge me another XXXX XXXX I mentioned to them it had already been paid. I cancelled both of my cards with them and closed all of my accounts. They refused to remove the XXXX $ that was extra. I feel that I was fraudulently being billed again, for something I had no knowledge of. This account should have been a XXXX amount XXXX  months ago. I need them to stop fraudulently billing me and adding finance charges. I no longer am doing business with them. I need to have them remove all of my information from their system. This matter dropped my credit score by XXXX. They sent me an e-mail, stating they would correct it and it has not been taken care of. They need to send all credit agencies updated information, that it was not my fault that this became a nightmare. The first agent made an incompetent mistake by not submitting it as a fraudulent claim instead of a dispute. 
Thank you.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute inaccuracies in my transunion credit report. Please update my records to reflect my current and accurate information. 

Current Address : XXXX XXXX XXXX  XXXX, MA XXXX Incorrect Addresses to be Deleted : XXXX XXXX XXXX  XXXX XXXX, AL XXXX and XXXX XXXX XXXX, MA XXXX Additionally, I would like to request the removal of the following previous employers from my report : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-06-18
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. (CO)

The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action
Consumer complaint received 2022-07-21
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. (NM)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2023-03-27
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: Grain Technology, Inc. (FL)

I did not give access to my credit to XXXX, XXXX, And XXXX and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected | will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who wilful fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 





Account number XXXX Account number XXXX
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My official complaint is against Experian, XXXX and XXXX. 

I submitted in XXXX for inaccurate reporting to be removed as a result my company has suffered injurious financial harm. 

To avoid hefty attorney fees for a lawsuit which I will Win. IM CURRENTLY WAITING ON A recorded call where I absolutely 100 % understood of a WARNING I RECEIVED from an XXXX agent that made it SO CRYSTAL CLEAR TO ME upon getting on the Second chance program A LATE PAYMENT WILL STILL REPORT ON MY CREDIT UNTIL XXXX. I need to have the recording WHERE I 100 % AGREED TO THAT STATEMENT ... ... IT NEVER HAPPENED ... ..From my understanding I paid to get CURRENT, my credit restored because lates were put on the back of the loan. Which is the RIGHT THING FOR XXXX/XXXX TO DO IN A GLOBAL PANDEMIC. I disputed the late payment and made ON TIME PAYMENTS the loan itself was REMOVED OFF MY CREDIT AFTER MY DISPUTE IN XXXX. 
It mysteriously resurfaced XX/XX/2020 and XXXX/XXXX informed me they had nothing to do with its removal. So if Experian removed it. On what grounds did they remove it WITHOUT XXXX/XXXX  PERMISSION? 
PLEASE REVIEW ATTACHED DOCUMENTS OF THE INACCURATE PAYMENT AMOUNT which by LAW ALL REPORTING MUST BE ACCURATE WITHOUT COMPLETE ACCURACY the reporting must be REMOVED. XXXX CAN NOT PRODUCE AN ACCURATE {$98.00} PAYMENT STATEMENT SO WHY WAS THE REPORTING NOT REMOVED IN XXXX. This is INSANITY. MY COMPANY IS IN A {$10.00} XXXX DOLLAR RAISE. I PAID OFF XXXX AND I WANT THE NEGATIVE INACCURATE PAYMENT HISTORY REMOVED OR WHO AM I TO SUE EXPERIAN OR XXXX FOR {$100.00} XXXX DOLLARS? SHAME ON ALL COMPANIES FILING LATE REPORTING DURING THE 2020 PANDEMIC KARMA WILL GET YOU ALL.
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (AL)

From XXXX to XXXX my monthly transactions on my XXXX XXXX all differ from what is shown. Not only can you see the end of each months total change as you scroll through each month but when added up transaction by transaction the total is completely different than the amounts they show month to month. I have proof. There is at least {$1000.00} that is missing from my account. It's like it just vanished!! 

This isn't the only way Cash App is stealing or hiding our money. My bitcoin transactions do not add up and there are transactions that have magically appeared to cover for other funds that have disappeared. Shame on me for trusting them with handling my money. GET RID OF CASH APP.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was enrolled with XXXX XXXX XXXX. Attached are statements verifying enrollment in the program and payments being made for this program ( Highlighted in yellow ). Also attached are the Terms & Conditions for the XXXX XXXX XXXX stating that during enrollment, minimum payments will be covered & fees will be waived. XXXX has reported INACCURATE INFORMATION. Upon calling XXXX, they agreed and stated to reach out to the credit bureaus. 

Account name : # XXXX 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 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 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

In XX/XX/2021, I was scammed out of {$420.00} dollars from someone promising me service but I never received the service promised. The person blocked me on social media and I couldnt get in contact with them.Ive tried reporting their account but was unsuccessful. I contacted XXXX XXXX about this situation first but they said there was nothing they could do about it. I then filed a dispute with my bank ( Wells Fargo ) hoping I could get the money or some money back but instead I was denied because the money was sent willingly. I have conversations between me and the other person as well for proof and also transactions.
Consumer complaint received 2021-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OH)

I am a borrower who is in forbearance due to the Covid virus. Quicken loans has consistently communicated false information to me about my options. FHA loans have a maximum forbearance of 18 months. During my last " check in '' with Quicken Loans the customer service rep informed me that I only had 15 months and that FHA will not exten d forbearance beyond 15 months. I was on my last month. I had to inform her she was not correct. After a long conversation, she checked with her supervisor and agreed that it was in fact 18 months. What is sad is all the people she spoke to before me and gave struggling people " wrong information '' PLEASE PLEASE train your employee 's with the correct information Quicken ... Those 3 months ( that she was unaware of ) could help a struggling family
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I submitted a complaint previously complaint number XXXX Credit Acceptance stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : XXXX ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am living with a family member, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, XXXX and Experian. Experian needs to update my credit report immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (CA)

To my understanding a contract is between 2 people and with truth and lending act this was fraud cause i put a down payment whitch its ilegal In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights in so many ways please fix this issue at hand 15 usc 1662b 15 usc1605 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat & 50 payment on a credit card account under on open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... has violated my rights NUMEROUS of times. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I Demand These Accounts Be Removed From My Credit Report Listed Below. ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX ).