davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (MO)

Ive been a victim of identity theft since XXXX I have multiple FTC reports on file between the years of XXXX-now and all accounts included into the FTC report INCLUDING XXXX NEEDS TO BE REMOVED IMMEDIATELY!! There has been a reinsertion of a XXXX XXXX account, a company who practices are definitely questionable in a court of law from public previous lawsuits, an account that has been previously removed along with their collection account XXXX XXXX due to fraud and has been included in all my previous FTC reports and the lender is constantly reinserting and furnishing INACCURATE INFORMATION TO MY CREDIT REPORT INCLUDING THE ADDRESS ATTACHED TO THE ACCOUNT AND REINSERTED THE FRAUDULENT ACCOUNT THAT HAS ALREADY WENT THROUGH A VERIFICATION PROCESS IN MY FAVOR OF BEING THE VICTIM!!!!! THE REINSERTION OF XXXX REPORTING NEEDS TO END ITS BEEN CAUSING ALOT OF STRESS. I will be attaching Missouri court documents and utility statements that can verify my ACCURATE address at the time of the account being open and validate my current address.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I'm having issues with XXXX simplicity ( citibank ). I paid XXXX dollars on XX/XX/18 because i wanted to lower my balance away from the limit to improve my credit and immediately received an email from XXXX stating " there was a recent review of your account and credit information. As a result, we have revised the credit limit ti {$2500.00} ( please note that it was originally XXXX ). This decision was based on a dilinquent credit obligation either paid or unpaid with this account or another creditor. Your current balance is {$2400.00}. 

I called XXXX on XX/XX/18 to ask them why the lowered my limit the same day that I made a large payment? They read me the above email and stated that was all the information they had. They could not provide me what said delinquent obligation prompted this action and that i should contact XXXX. I asked to speak to a manager ( XXXX employee number XXXX ) and asked again what information prompted this credit reduction as i'm now again at or over my credit limit and was told the same thing. They could not give me any information has to why they reduced my limit and prompted me to call XXXX I have free credit monitoring through the XXXX and there are not delinquent accounts on XXXX. This seems like they are trying to get people to stay at the credit limit. How can a company not have the information that they based a decision on? I asked to speak to XXXX 's manager and he said that wasn't possible ... How can they deny you to speak with a manager 's manager? 

I've included the email attached and my XXXX credit report i just requested today to show there are no delinquent accounts.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/2023, I logged into my online account and noticed my son was assessed a NSF fee on his checking account. I thought that since my son was the age of XXXX ( a XXXX  ), he could not overdraft his account. I proceeded to chat with a representative via their online chat function in an effort to explain how I understood the policy to work. I also asked if they would consider a courtesy refund, since my minor was upset that his account was overdawn. The representative immediately declined my request. I was not happy because I had 7 other active accounts with RBFCU, all which had sufficient funds. I requested to escalate my complaint and was told to contact their member service number. I called the number, repeated my story and refund request to a rep by the name XXXX. She put me on hold to talk to her supervisor ( XXXX ) and when she got back on the line, she asked if she could connect one of my 7 accounts to my son 's checking to avoid the issue going forward. I thought this was a condition that needed to be met in order to get my refund request approved. After I authorized her to connect any one of my accounts to serve as overdraft protection, she told me her supervisor declined my request. At this point I am extremely upset for many reasons, one being that she had me link an account I would not have linked had I known my request was going to outright be declined. I asked XXXX why her supervisor declined my request and she said, because I authorized the transaction but would/could not expand on any other reasonable explanation. I felt that if I had a non - XXXX name, my request would have been approved. The next day, I closed one of my money market accounts in the amount of XXXX and moved it to another institution, however, it has not sat well with me that out of the 3 employees I worked with, none were willing to service me as I expected. I'm extremely disappointed at the way my request was handled and have taught my son how to manage his accounts, however, the credit union must be willing to understand that not all people understand how overdraft policies work and need to be more empathetic in every situation.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 

XXXX- Didn't even reinvestigate the dates XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract but didn't remove it from my credit file. 

All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX. The statue of limitation would of expired XX/XX/2023.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

There is a transaction on my bank statement from PayPal in the amount of {$190.00}. I contacted PayPal and they checked both mine and my husbands accounts through our emails and said they had no information for this transaction. 

Our emails are : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX I started investigating this after it happened ( 2019 ) but then my father died and then 7 months later my brother died so it completely slipped my mind. 

I'm submitting a copy of the bank statement so you have all the information. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-15
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. (FL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2023-07-11
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I have sent serval complaint to wells Fargo I will need a statement in writing from wells Fargo bank that they have did a proper investigation into the complaint I spoke with someone and nothing has been explained to me why wells Fargo did not protect my funds in my account.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

Hi there, XX/XX/XXXX I got an automated e-mail from Coinbase asking to follow a link to give additional information about myself. The massage was advising me if I do not comply with their request till XX/XX/XXXX my account would be frozen. 
Never the less they froze my account the same day XX/XX/XXXX? 
The provided link worked only within several days, but I could provide the information before the limit date. 
Since than XX/XX/XXXX, may account is frozen. I haven't access to it at all. I even can not see if my funds are still there. I got an answer from the customer only XX/XX/XXXX that they forward my issue to a superviser who will check my account. 15 days have past, nothing has changed.
Consumer complaint received 2023-07-11
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)

Based on 1.5 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 and alleged Identity theft not later that 4 business days after the date of receipt It has bee 30 days and you are in VIOLATION of this law because I am a victim of identity theft! please delete delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting 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 2023-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (CA)

I currently have an account with Synchrony Bank, which includes an online savings account and two CDs. The issue is gaining access to the Secure Inbox on my account. There are currently seven ( 7 ) unread messages but I can't get to any of them, and keep seeing an error message stating " something went wrong ; try again ''. We have already determined that this is NOT something on my end. I've tried multiple computers, browsers, and android apps on various devices. There is a problem on their end and they can't seem to fix it. This has been going on for months. I've been trying to be patient but this is beyond ridiculous. I can't get any messages that would warn me about any potential problems with my account, fees, fraud, etc., because I can't read the content on any of these messages. This has been going on since at least XXXX of 2023 and there still is no resolution. And they refuse to alert me in any other way because I have told them very clearly that I am UNABLE to access the Secure Inbox online.
Consumer complaint received 2018-02-15
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: CORELOGIC INC (FL)

To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
Consumer complaint received 2018-02-15
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: FC HoldCo LLC (FL)

To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal makes my balance negative for a fraud claim. I sent my documents and called them several times about 10 times to fix the problem because they made the action without my permission and they told me they fixed it but they never fixed it. They recognized that the claim from the account is fraudulent but they didnt resolve the problem. The PayPal customer service is not responsive and they made my balance negative also they charged me for the action. I asked for refund and its about 1 and half months that they said they would refund my balance with the amount.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP (GU)

Date opened XX/XX/XXXX Original charge {$8400.00} Credit limit : {$11000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$11000.00} from XX/XX/XXXX to XX/XX/XXXX Loan type : credit card from US Bank XXXX, Ohio Message : I did not open any credit card from XXXX. It still reflect on my credit score. please help me to clear my name. 
Thank you.
Consumer complaint received 2018-02-15
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. (AR)

I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account. 
XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Consumer complaint received 2023-07-11
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. (NJ)

In XXXX, my discovery revealed XXXX, Trans Union, XXXX, and XXXX Utility breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of XXXX XXXX  requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of XXXX, XXXX  website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Consumer complaint received 2023-07-11
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. (NJ)

In XXXX, my discovery revealed XXXX, XXXX XXXX, Equifax, and XXXX XXXX breached my trust selling personal, sensitive, and credit information to foreign entities damaging my history. 15 US Code 1681 2 2 ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. As 15 US Code 1681 B 2 ( a ) states, no entity can list information in my consumer report without my written permission. Per US Code 1028 ( a ) information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine. Identity thieves exploited a security weakness in the website of Experian. Experian requires that those seeking a copy of their credit report successfully answer several multiple choice questions about their financial history. But until the end of 2022, Experians website allowed anyone to bypass these questions and go straight to the consumers report. All that was needed was the persons name, address, birthday and Social Security number.
Consumer complaint received 2023-07-11
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. (MI)

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

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.