davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/year> I received a XXXX payment from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX sent the funds via standard delivery which meant that the funds were not going to be received until XX/XX/year>. The payment in the amount of {$100.00} was for the purchase of two tickets for both him and his girlfriend to attend an event that I was hosting on XX/XX/year> in XXXX, XXXX. Because the payment was not going to be received in time of the event I had advised XXXX XXXX that he would need to make a payment at the door for the events and that when his payment which he sent via standard delivery was received on XX/XX/year> that I would refund him the {$100.00} he had paid. XXXX XXXX was not happy about the situation and requested a refund which I obliged to provide but only after the funds were officially received to my account. On XX/XX/year> when the funds were released prior to the original date mentioned I provided XXXX XXXX with the appropriate refund of {$100.00}. This is evidenced via the following XXXX transaction ID 's ( XXXX ; XXXX ). However I had been informed that on XX/XX/year> XXXX XXXX filed a fraudulent scam report stating that I sent funds via XXXX from his account without his authorization. As a result XXXX has blocked my XXXX  account and requested a refund of the funds. My bank processed that particular refund and XXXX XXXX has now been paid on two separate occasions on something he technically should have never received a refund for however I still provided him with one as a courtesy.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (RI)

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Consumer complaint received 2022-05-27
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: I.C. System, Inc. (MD)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The fraudulent and inaccurate entries on my consumer report persist despite my disputes. These unauthorized items resulting from identity theft continue to severely impact my financial well-being and cause significant distress.
Consumer complaint received 2020-08-11
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: JPMORGAN CHASE & CO. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-30
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. (MA)

I am filing a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to this matter
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (MD)

I cant set up automatic debits from my pnc acct to my XXXX savings acct. Everytime I make a transaction with my PNC card, XXXX rounds the money to the nearest dollar and places it in a savings acct for me.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (NC)

The unverified account specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

PLEASE NOTE THIS INFORMATION HAS BEEN REPORTED TO YOUR REGISTERED AGENT, XXXX XXXX XXXX and also the FTC. LVNV/Resurgent receivables has failed to verify this alleged debt. I have asked for verifiable accounting records and they have sent a document wanting evidence of identity theft. That is not evidence of debt. It is my federal right to see an audit trail as well. LVNV/Resurgent Receivables has failed to do this as well. I have sent a cease and desist letter to them multiple times. However, lvnv/resurgent receivables have ignored my cease and desist. 15 USC 1692c lets me know that they are prohibited from communicating with me through ALL MEDIUMS. This would include my consumer report. Lvnv/Resurgent Receivables has failed to substantiate its claim about the alleged debt. LVNV/Resurgent Receivables feels like their company policy supersedes federal law. It does not. I deem each time LVNV/ Resurgent Receivables ignores my attempts, is a willful violation pursuant to 15 USC 1681n- Civil liability for willful non-compliance. It is also a negligent violation pursuant to 15 USC 1681o- Civil liability for negligent non-compliance on Resurgent Receivables part. I also did not give authorization or permission to have my personal identifying information which you obtained through aggravated identity theft in accordance with 18 USC 1028A. Please send an affidavit signed with wet ink certified under penalty of perjury to substantiate your claim. Without this, you have no consent to continue any collection activities.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I wrote the bureaus a letter stating that they have improperly listed information about my bankruptcy. I requested proof of where they obtained the information regarding my XXXX and they responded by informing me that they received this information from the courts. I wrote the courts to confirm whether they furnish this type of information and their response was that they do not. The information listed on my report about my bankruptcy was inaccurately obtained, and inaccurately displayed on my credit report.
Consumer complaint received 2021-07-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In XXXX I disputed a collection account with all three credit bureaus. The collection account was called XXXX XXXX XXXX. The account was deemed inaccurate and unverifiable by all three credit bureaus and deleted from my report. Just recently in XXXX of XXXX I rechecked my credit report and the collection account was re-added to my reports with no notification of such from the bureaus. I submitted on XXXX XXXX a letter of the FCRA section 611 ( a ) ( 5 ) ( B ) violation due to no notice of the reinsertion and received no reply.
Consumer complaint received 2021-07-25
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: GOLDMAN SACHS BANK USA (FL)

I am XXXX XXXX, a Goldman Sachs Bank USA Apple Credit Card cardholder. 
In email from Apple Card Support XXXX with title/header, Your transaction dispute was not resolved in your favor, this email states, The merchant provided sufficient evidence that you made the purchase. This email further states, You have the right to see the information used in this investigation. To request a copy, please contact an Apple Card Specialist. Many times, via phone calls to Apple Card Specialists and via United States Postal Service mail, I have requested a copy of this evidence, the information used in this investigation. 
Twice ( in reports dated XX/XX/2021 & XX/XX/2021 ), so far, I have received an auto-generated report of " seven pages in length, a cover page and six pages of " report. '' Page one of the six pages being legible : it is a " MasterCard International ICA Representment Document ; the remaining six pages are a DISPUTE RESPONSE PACKET FROM XXXX ostensibly containing the compelling evidence used by Goldman Sachs Bank USA in deciding against me. This six-page report purportedly contains an image of the invoice from the merchant. IN BOTH INSTANCES OF RECEIVING THIS REPORT IN USPS MAIL, THESE SIX PAGES ARE COMPLETELY, TOTALLY, UNEQUIVOCALBLY ILLEGIBLE. 
Per Goldman Sachs Bank USA, I have a right to see the evidence used against me. My right remains unaddressed. 
In more instances that I can count, I have asked of Goldman Sachs Bank USA, and of XXXX XXXXXXXX ( a credit card processing service ) in both written USPS mail requests and via telephone, to provide me a LEGIBLE copy of this DISPUTE RESPONSE PACKET FROM XXXX 
THREE TIMES GOLDMAN SACHS BANK USA has charged me {$750.00} based on this evidence. And I have disputed the original dispute, and re-asserted my dispute an additional two times, making it a total of THREE TIMES I have disputed this. 
I do not feel Goldman Sachs Bank USA is deliberately keeping this crucial evidence from me : I believe Goldman Sachs Bank USA has an automated-fulfillment system in place to fulfill requests as mine. Therefore, this critical report is mailed to me without a human reviewing it. 
I HAVE REPEATED REQUESTED A LEGIBLE COPY. LET ME REPEAT, I HAVE REPEATEDLY REQUESTED A LEGIBLE COPY, ONE THAT IS REVIEWED FOR LEGIBILITY PRIOR TO BEING MAILED TO ME. 
I have not received a LEGIBLE copy : I am denied my right : I am denied the evidence upon which I may launch a defense. Let me repeat, Goldman Sachs Bank USA, through their automated fulfillment system, is categorically denying me the very right with which they have enfranchised me. Because of this, I am filing this Consumer Financial Protection Bureau complaint.
Consumer complaint received 2022-07-28
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. (NC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : 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 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (NM)

Email from : # # -Confirmation XXXX Heyy Dear XXXX, You have sent {$720.00} to Paypal XXXX XXXX It may take 24 hours for this transaction to appear on your account. 

Items : {$690.00} Shipping & handling : {$21.00} Total before tax : {$710.00} Estimate Tax : {$14.00} Order Total : {$720.00} Payment Method : XXXX CREDITS. 
Order Number : XXXX Product : XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX GXXXX XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX kg ) Order Date : XXXX - XXXX - XXXX Please note that a signature is required for the delivery of the package. 
If no one will be available to sign forthis package, you may wish to make alternate delivery arrangements Your order will reach you within 3-5 working days. Youwill receive a tracking link once the order is shipped.

Youcan check the status of your order by logging into your account If you have any questions about your orderplease contact us at Call Our Customer Support Care : XXXX ( XXXX ) - XXXX - XXXX for further assistanc Team Pay_Pal
Consumer complaint received 2020-02-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Trying to refinance my home loan with Loan Depot. Original contractor is trying to over bill me for services not completed. Loan Depot said there is nothing they can do and my home mortgage being able to re-finance can not be completed until contractor signs off on work payment. Its been since XX/XX/2018 no work has been done on my property and contractor left on his own. Did not finish job. I am being charged 5.5 % interest and could have re-financed long time ago at 3.5 % saving me almost 7200.00 per year in interest. Bank refuses to let me re-finance my property as in the contract. How long can the contractor hold my house hostage.
Consumer complaint received 2020-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (KY)

I have repeatedly had issues connecting to my PNC business checking account to manage it. Issues have occurred attempting to access via all three platforms PNC provides its clients to manage the acct., ( Laptop, Dial-In PIN & mobile app ). The error message will say my password is incorrect even though I never changed it. Same with the PIN to access my info over the automated service. Several calls have been noted on my account over the past year and a half. I eventually went in-person to resolve this only to find the solution temporary as the same problem occurred again the next time I attempted to log in via the mobile app. Now the bank will not link with several applications I have requested it to, one of which being payroll.
Consumer complaint received 2022-07-28
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (GA)

Problem with Synchrony Bank RE : Care Credit Account # XXXX I have disputed and requested that an account, which identified me as a " cardholder '' be removed from my credit report for the following reasons : 1. I have never lived, resided, or received mail, at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. 

2- My former, legal address of record in Virginia was XXXX XXXX XXXX XXXX XXXX XXXX 
I gave no one permission to use my address with the intent to establish a financial debt or obligation associated with said usage. 

2. I have never established, cosigned, authorized, or otherwise received any services by means of credit card or loan accounts with Care Credit.

3- I have never made any payments to this account.

4- Any unknown employee of Synchrony Bank contacted me to obtain a " character reference '' for the other party named on this account.

5-I never established any secondary agreement to co-sign or act as a co-signer in co-making any agreement, with Synchrony Bank 6- Synchrony Bank did not have authorization from me to establish me as a " cardholder '' on any " Care Credit Account. 

7- I wrote to Synchrony bank and asked for the application and authorized signatures obtained o establish the account and to further identify what services were rendered to me as a borrower and received only copies of statements that reflect neither. 

This matter has been going on for some time and needs to be resolved. 
I am requesting my name and social security information be removed from this account as well as any negative reporting to the credit bureaus. 

Thank you XXXX XXXX Thank you for your assistance.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX and I entered an agreement to settle a charged off account for the amount of {$3000.00} at {$250.00} a month. My balance is now {$2200.00} however XXXX will not update my credit report to reflect the payments and agreement. They are however reporting nothing has been paid each month. This is an unfair practice. If they have time to report nothing has been paid, they have time to show current payments and an updated balance. It currently has my balance as the same even though I make monthly payments.I was told nothing would be changed until my final payment however my credit report is stating I have made no payments or that no effort is being made which is simply not true.