davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

On XX/XX/XXXX a deposit of {$4900.00} was made into my account and the sender told I need to send this out so I can buy the need equipment for work. 

On XX/XX/XXXX a deposit of {$4900.00} the person say the same thing In XX/XX/XXXX a deposit of {$4900.00} the same person say the same thing On XX/XX/XXXX a final of deposit of {$4900.00} the person say I need to do the same thing again if I want the job but then my bank stop the transfer pending a investigation but they just close my account and then now saying the funds that was transferred out I needed to pay it back. But I try to tell the bank this was due to fraud but they didnt listen.
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have on numerous occasions since my Capital One card was closed due to fraudulent activity tried to reach out and work with their fraud department. Either directly or with multiple fraud department contacts in particular listed below. 

XXXX capital one XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX But after being either hung up on or leave messages to the fraud contacts above with no call back or follow up. The initial credit limit on this card was for {$10000.00} but the total shown now of {$19000.00} is inaccurate due to previous fraud. I would like this to be removed from my credit records.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( Transunion, XXXX, XXXX, XXXX XXXX  ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXX XXXX  XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : 1. XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
2. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
3. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
4. XXXX, Account # : XXXX, Balance : $ XXXX This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
5. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately. 
Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-02-04
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. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00}
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

I am writing this letter to ask for help resolving major issues with my home loan. The constant rise in mortgage cost has caused me to become delinquent on my mortgage. I have done everything in my power to keep my payment commitments. I contracted covid this summer, at the end of XX/XX/2022, I am feeling recovered now and back to normal. I would like to restart making payments on XX/XX/2022. I am requesting your help to resolve the following matters. 

1 ) On XX/XX/2022, I purchased an insurance for yearly premium of {$1300.00}. My previous premium was lender placed for the amount of {$4200.00}. The insurance was billed monthly and included in my monthly payments. I therefore expected to reduce my payments by almost {$300.00} per month. Howver at my disappointment, my monthly payment has almost not changed and stayed at {$2700.00} ( down from {$2700.00} ). I would like help reducing the monthly payment. 
2 ) On XXXX XXXX, I received a letter assessing an additional {$1100.00} to my account, which I do not understand and customer representatives were not able to explain it to me, nor did they understand this amount charged since I pay the insurance monthly. 
3 ) At the end of XXXX, I entered a forbearance plan due to covid-19. The letter I received, dated XX/XX/2022, stated that that several options may be available to me to keep my home : reinstatement, repayment plan, modification, deferral. My preferred method is deferral since I was ill with covid these past months and am now able to restart making normal payments. Customer representatives I called were not able to propose me this option nor a feasible option. I am therefore contacting you to get help. 

I would like you to consider working with me to help me reach my number one goal, which is to keep my home and I would really appreciate the opportunity to do that. 

I truly hope that you will consider working with me and I am anxious to get this settled so we all can move on.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX XXXX XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries 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 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
Consumer complaint received 2022-08-24
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

Hello I have a PayPal account with XXXX dollars on there and they wont let me transfer the funds off claim there was limit placed on my account permanently saying somebody else tried to access my account but never did my email XXXX they opened a case on the XXXX never told me any updated until I called them and they claim they sent a email I just want my funds off this account and nothing to do with them anymore PayPal is the company
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (AZ)

As of XX/XX/22 6 separate charge under {$100.00} each, from two different companies in two different states ( one in KY, one in WA ; both are states not visited recently, nor services bought previously ) showed up on my account Based on a quick internet search I'm not alone as hundreds, if not thousands of others are facing the same scenario. 

The debit card for this account is not used for any transactions, so this makes the charges that much more concerning. 

Wait times on the phone are around an hour and online chat wait times are +4 hours. 

As no public statement has been made, I'm reporting the firm for not stopping the charges nor addressing the massive, apparent data breach.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (WI)

I sent a debt validation letter on XX/XX/2022 and XX/XX/2022 to AmeriCollect Inc and XXXX XXXX XXXX and each time both companies failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Urgent Request for Immediate Correction of False Reporting : Upon reviewing my Consumer Reports, I was frustrated to find outrageous discrepancies regarding alleged late payments on accounts where I have ALWAYS made prompt payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : ( XXXX XXXX Account number : XXXX ) ( XXXX XXXX XXXX Account number : XXXX ) I DEMAND an IMMEDIATE and DETAILED investigation into these glaring discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide indisputable evidence, such as specific account statements, supporting the alleged lateness of these payments. FAILURE to provide such proof within the given 4-day timeframe will lead to my DEMAND that these payments be corrected to reflect their true, ON-TIME status, in full compliance with FCRA Section 611, which mandates precision and completeness in consumer reports. 

I have always fulfilled my payment responsibilities ON TIME and WILL NOT ALLOW this intolerable error to continue. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2023-02-04
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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  ; If the creditbureaus feel there is a possibility these items belong to me I will require all documentation that bearsmy signature ( another research item I found that requires you to verify with 100 % accuracy that eachitem is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nordoes my attorney. SO please comply with the law so this matter can be handled swiftly..
Consumer complaint received 2023-02-04
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. (CA)

My credit report was reporting 120 days late to an account with a XXXX balance. This account has had a XXXX balance over 3 years. I submitted a dispute. It now is reporting XX/XX/2022 thru XXXX XXXX 180 days late in error as well contacted credit card company Comenity and they could not see any balance and was unsure why this was appearing this way. They told me to dispute it with the credit Bureau in which I did and it went from reporting 120 days late to 180 days late 7 times. Thus is severely affecting my ability to receive credit and my ability to purchase a home.