davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
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)

I have notified all 3 bureaus countless times about blocking these fraudulent items off of my credit report. There are still a couple child support items, and a couple student loan collections that still remain on my credit reports in which should absolutely bare no relation towards me. These fraud accounts are not consensual, i never had a relationship with any of them, and there's been no good legal assessment in which i've been sent status updates or verifiable proof from these bureaus investigation. But i do know FCRA Laws and consumer rights, the reporting credit bureaus have been willingly violating the 605 ( b ) law. I've already mailed/faxed my cover letter, ftc i.d report with personal statement, police report, attached list of fraud items sheet and proof of identification sheet. All have been went documented, traced and sent over to all 3 bureaus, by 605 ( b ) law the reporting agencies each only had 4 business days after the date of my mailed documents receipt, to block the said fraud items with all the necessary documents i provided. I got dealt the wrong hand by these bureaus, they disobeyed the laws. NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF These accounts should have BEEN removed/blocked from my account. I have kept a paper trail this entire time, myself and my lawyer are in the process of filing a big lawsuit against these bureaus for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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. (CA)

I reviewed my Consumer report and notice that I had XXXX late payments on an account. account name XXXX XXXX # XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you
Consumer complaint received 2023-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I submitted an escrow analysis request with documentation from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I received XXXX veteran and XXXX  exemptions in my annual tax assessment notice effective XX/XX/XXXX. The request to adjust taxes was not approved by Amerihome. My taxes were reduced to {$1400.00} for the XXXX tax year from more than {$9400.00} during XXXX. I am still paying monthly escrow payments of {$1300.00}. As a XXXX XXXX XXXXXXXX veteran and retiree on limited income, I am paying an illegal amount into the escrow, which based on the tax analysis should not exceed {$310.00} per month in XXXX. My current escrow balance as of XXXX XXXX is {$5900.00} based on currently monthly escrow charges of {$1300.00}. This is excessive and is not legal. I have already paid into escrow an amount exceeding my insurance and tax for XXXX. Please assist me in getting my escrow analysis completed based on the new tax assessment and the monthly payment reduced accordingly.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires XXXX XXXX requested on XX/XX/XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX also they have my address incorrect it is XXXX XXXX XXXX  XXXX, WI XXXX not XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX XXXX Experian Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. 
At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (GA)

On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by XXXX companies whose name follows : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX, about XXXX pm I purchased XXXX XXXX at Venmo website with {$1700.00} to send it out to another wallet. However till today XX/XX/XXXX at XXXX pm is still sitting at my account for review. So I called XXXX XXXX From customer service and I was put on hold for XXXX minutes and he couldnt explain why it wasnt transferred immediately as advertised on their website. I am paying $ XXXX day penalty for every day delay beyond XXXX pm XX/XX/XXXX.
Consumer complaint received 2023-06-28
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 (TN)

Dear PayPal Support, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this limitation was imposed by mistake and I would like to submit a formal complaint to appeal this decision. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always been a conscientious user and have consistently adhered to your terms and conditions. Therefore, I am perplexed as to why my account was subjected to such a severe measure. 

I kindly request that PayPal re-investigate my case thoroughly and consider lifting the permanent limitation on my account. I am confident that upon reviewing the details of my account activity, you will find no evidence of any policy violations. 

For your reference, the email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate any updates or further instructions regarding this matter to that email address. 

In conclusion, I kindly implore PayPal to re-evaluate my case and restore my account if possible. I have always valued the services provided by PayPal and I sincerely hope that this issue can be resolved amicably. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On Friday, XX/XX/XXXX I attempted to send money to a friend via Chime. The receiving party instructed me to send the funds to their mobile number and that they would collect the funds by linking the number to an account or by accepting the funds to their XXXX XXXX. I sent the funds to the number I was given. The amount sent was {$230.00}. As soon as I sent the funds to the number I was given, the Chime app indicated that I had transferred funds to a different person. The intended recipient had a new mobile phone number and the number was obviously attached to the Chime account of whoever had the mobile number before, so the money was delivered to the account of someone I do not know and someone I didn't intend to send the funds to. I immediately called Chime to report the mistake and was told that they would open a dispute and took some information and that was it. I later received an email that the claim had been denied. I called Chime a second time and asked that they reopen the issue. They did and again denied my claim. I then called Chime a third time to ask that they reopen the claim and I again clarified that I am not disputing the transaction but that I made a mistake and need to recover funds that were sent in error. I informed them of the mistake within minutes of having originally sent the funds. I told them I made a mistake. I do not understand why they couldn't have helped me to recover the funds. They never even attempted to help me. I made a mistake and I want to recover these funds that I sent in error. If the bank made an error, they would recover their funds. Chime needs to do the right thing and assist me in recovering the funds I sent in error.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. Account in question : XXXX account number XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-06-26
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, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the XXXX XXXX is liable under the SEC to follow certain rules. XXXX XXXX file number XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Since this is an alleged charge-off, I will be filing form 211 treasury forms to audit this account, as the consumers account. 
XXXX, as well as Transunion and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am a victim of IDENTITY THEFT and EQUIFAX DATA BREACH, and I DEMAND the IMMEDIATE REMOVAL OF XXXXXXXX XXXX  INQUIRIES FROM MY EQUIFAX CREDIT REPORT. 
ACCORDING TO FCRA SECTION 605 B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION.Please remove this inaccurate information from my EQUIFAX CREDIT REPORT IMMEDIATELY. 

XXXX AND EQUIFAX ALSO VIOLATED : LAWS 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THESE ILLEGAL INQUIRIES FROM EQUIFAX IMMEDIATELY. Thank you!
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NY)

I just tried to dispute inaccuracy on my background report with checkr agency for " failure to post bond '' on the background report from XX/XX/2017 ; I was totally unaware of this inaccuracy and have no idea where this inaccuracy came from. between XXXX I was rejected for multiple job positions in truck driving companies and in delivery services as well, checkr placed someone's record on my report and that damaged my reputation and took a lot of opportunity from my life within these XXXX  years I'm devastated I was never in prison and have nothing to do with the bond when I disputed this information with them two months later they removed this information from my record ( I have both reports before and after ) ; after this harm to my background and identity I believe I'm entitled to some sort of compensation for lost life opportunities due to your inaccurate reporting, it is a violation of FCRA ( Fair Credit Reporting Act ) and I'm asking CFPB take appropriate actions and measures to avoid this happening to someone else in future.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Ive fallen victim to scams on XXXX XXXX twice, losing {$250.00} and {$120.00} respectively. Despite my efforts to initiate a dispute and recover my funds, I havent received any resolution so far. The response from XXXX XXXX indicates an ongoing investigation, but its unclear whether they are actively pursuing it. Its important to note that I never authorized any transactions to those specific accounts, nor have I signed any documents related to them. 
XX/XX/2023 {$220.00} XX/XX/2023 {$120.00}
Consumer complaint received 2023-06-22
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. (FL)

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I just checked my credit report and Experian is allowing XXXX XXXX XXXX to use XXXX XXXX XXXX XXXX AS AN ORIGINAL CREDITOR. THAT IS INACCURATE INFORMATION THIS COMPANY IS A SISTER COMPANY OF XXXX XXXX XXXX. AND THIS INFORMATION IS COMING TO LIGHT SOON. MY CREDIT CONTINUES TO FALL I CANT GET A CAR I CANT DO ANYTHING. TODAY I HAVE WRITTEN LETTERS TO EVERYONE WHO IS CAPABLE OF MAKING A CHANGE AND A CHANGE WILL COME. MY LIFE IS DESTROYED BECAUSE I CAN NOT MOVE FORWARD IN ANY WAY AND THIS IS DEVASTATING. MY NEXT STEP WILL BE FACE TO FACE WITH ANY AND ALL LAW MAKERS. A CHANGE HAS TO BE MADE IN THEIR DECEPTIVE PRACTICES. I AM REACHING OUT TO EVERYONE WHO HAS BEEN WRONGED AND TOGETHER WE ARE GOING TO STAND UP FOR WHATS RIGHT. PLEASE HELP ME I CANT EVEN GET A CAR TO GO TO WORK THAT MEANS I CANT OAY MY BILLS. 
IF WE HAVE PUT LAWS INTO PLACE TO KEEP THIS FROM HAPPENING WHY IS IT STILL?!
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an Experian company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around XXXX before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from Experian regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2019-05-22
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. (NC)

I have been fighting ID THEFT for sometime now and have several fraudulent accounts reporting on my credit report. I have sent supporting documents showing this fraud, as well as FTC complaint forms. This failure to comply in deletion of these identified fraudulent accounts is a clear violation of FCRA sub sections 605b and 609.