davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (GA)

Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (NC)

I refinanced my rental property loan with Truist Bank. I already have XXXX loans investment and personal property loans with them. 

When I refinanced, at that time, they were BB & T, and the first mortgage payment was due in XX/XX/XXXX, by mistake, I put XX/XX/XXXX in the auto payment option. 
When I knew my payment did not go, I immediately paid the balance, and now you can see that I have regular monthly mortgage payments. 

I never defaulted on my mortgage payments, If you check my other loan payments, you will see no delayed payment. 

This company should remove/clear the delayed payment from my records as I have paid the balance and I have been paying the monthly payments. 

It was a human error that caused the payment delays.
Consumer complaint received 2022-08-06
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. (NC)

From mid XXXX of 2022 to early XXXX of 2022 Equifax just admitted that they gave false scores to millions of people due to there technical difficulties and I was affected. As a citizen and consumer of the United States Of America I have been crippled on qualifying for loans. My claim is under law by consent and privacy for the consumer. 15 US code 1681 under Congressional findings and Statement of Purpose under ( a ) accuracy and fairness of credit reporting under number 4 states, There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (NY)

I filed a previous complaint ( # XXXX ) still no change. The credit card have not been mailed at the moment. I don't understand the difficulty of mailing the credit card. Now I am going into the three month of not receiving the credit card and the complaint I made through your agency haven't made a difference.
Consumer complaint received 2022-08-06
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. (FL)

I canceled XXXX I had paid up to the to the last day and then returned all the equipment additionally I provided receipts showing that the equipment was received yet XXXX insists on taking for me an extra {$350.00} above and beyond the outrageous hordes of money we paid for them every single month. This is a billing error, and they do not do anything to satisfy this oversight. I have all of my receipts including the receipts for the returned equipment I paid in a timely manner and they are ruining my credit and causing me to get much higher interest rates and I refuse to pay them {$350.00} extra for something I never used. They feel they have a monopoly and they can do whatever they want with their clients it is they Husserl me {$350.00} for the amount of years that I had their service and the Internet never worked. But I did pay every month on time outrageously inflated charges which is a common practice for them when they have a customer for many years they keep raising the rate so I drop them and they invented the {$350.00} charge this should be illegal and I need your help thank you so much all the best XXXX XXXX
Consumer complaint received 2022-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/22 I had my client send me money through my Venmo. The amount was for {$930.00} and it cleared from her checking account. I sent {$330.00} to my checking account and then attempted to send {$300.00} to another venmo account holder and Venmo froze my account. I have gone back and forth with various customer service specialists and their supervisors everyday since then. I was told that it was most likely frozen because I needed to provide more information to verify my identity ( which I did immediately ) I was told it would take 7-10 business days for the reason why it was frozen in the first place to be determined and my account be unfrozen. It has been 16 business days and I still have {$600.00} in my Venmo that they refuse to allow my to transfer out. The only live customer reps that I have access to speaking to claim they have no way to communicate with the other department who handles this and therefore nothing that they can do. I now believe that Venmo or some 3rd party is scamming me and has stolen my money. I dont know what else to do. This has cost me a huge job that I was supposed to complete because the money sent to me is being unjustly held and my customer has since filed complaints and her Venmo account is now frozen as well. I dont know what else to do in this situation
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NH)

XXXX citibank has flagged me as fraud and is preventing me from opening any new line of credit anywhere. they are flagging me as XXXX and preventing me from opening any new line of credit anywhere. i will sue their XXXX XXXX XXXX if they keep XXXX with me.
Consumer complaint received 2022-08-09
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 accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax continues to keep an account on my credit file that is not reporting 100 % accurate, and contains missing information. The FCRA 15 USC AND 624 ( a ) ( 1 ) ( A ) state IF EVERY PIECE OF INFORMATION ON THESE ACCOUNTS MUST BE REPORTING 100 % ACCURATE OR THEY MUST BE DELETED FROM MY CREDIT FILE, THE FOLLOWING ACCOUNT IS NOT REPORTING 100 % ACCURATE AND STILL CONTAINS MISSING INFORMATION, THEREFORE EQUIFAX MUST REMOVE THE FOLLOWING ACCOUNT FROM MY CREDIT REPORT AS REQUIRED BY THE FCRA. THIHS HAS CAUSED MY CR3DIT SCORE TO SUFFER, AND I WILL SEEK MONETARY DAMAGES AS A RESULT OF EQUIFAXS VIOLATION OF THE FCRA. I HAS ENCLOSED PROOF THAT THEIR VIOLATION CONTINUES.XXXX. Account to be removed : XXXX Account XXXX : XXXX.
Consumer complaint received 2022-08-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

I applied to XXXX and was awarded payment for past due XXXX months mortgage plus XXXX  months fwd. The payment was sent to my mortgage lender - Planet Home Lending on XX/XX/22. It is now XX/XX/22 and the payment still has not been posted my account. I am XXXX days from XXXX past due bc they have not applied the wire transfer from XXXX. Ruining my credit- theres strange men trying to access my home and leaving letters from Planet Home Lending. Per Planet Home Lending an inspector! 
I have spoken with my case XXXX at XXXX & payment was accepted by Planet Home Lending. I did get the payment ID & ACH wire transfer info from XXXX & sent it to Planet Home Lending to locate the payment. They are saying they still have not located the payment to apply it to loan mortgage???? I do not understand why they do not have this applied after XXXX days. Please help!
Consumer complaint received 2022-08-06
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. (IL)

Trans Union never properly investigated the issue of reporting inaccurate information about me on my consumer report and for that reason Ive been experiencing hardships on progressing in life due to the account from XXXX XXXX that was never validated nor properly investigated has impeded me in accomplishing goals
Consumer complaint received 2024-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

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 & correct to the best of my knowledge. Further I certify that I am permitted by XXXX & XXXX XXXX to file this dispute. I also understand that knowing & 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. This collection found within my credit report 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 & was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX.
Consumer complaint received 2022-08-06
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: Affirm Holdings, Inc (NV)

On XX/XX/2022, I requested to Affirm a dispute for the loan ID that I mentioned at the beginning. 
On XX/XX/2022, I received a message from affirm asking for more information in order to investigate further, this claim is related to a transaction using a XXXX XXXX XXXX facilitated by Affirm. Affirm informed that the process takes 30 days to come to a resolution. 
On XX/XX/2022, I sent Affirm a text screenshot evidencing my allegations, even because this dispute is related to a XXXX XXXX XXXX Affirm should follow Regulation Z under 12 C.F.R that protects customers per electronic transactions protection. 
On XX/XX/XXXX I sent another email to affirm because they still demanding payment for this disputed transaction and a case is still not open. 
On XX/XX/2022, I sent another message to Affirm because I was notified that if I don't make a payment to Affirm for this transaction I would be reported late to XXXX and until now XX/XX/2022 Affirm hasn't open a claim even though I requested a dispute process to be since almost 2 months ago " 60 days ''
Consumer complaint received 2022-08-07
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. (MI)

This is NOT a duplicate! This is a complaint regarding the investigation done by both the creditor and EXPERIAN. I am representing myself. I am NOT a third party. I have also attached a utility bill and a photo of my social security card for proof of identity. 

XXXX XXXX is reporting XXXX late payments with XXXX and XXXX but XXXX is reporting I have a late payment with Experian. This is a violation and there was NOT a proper investigation done either. 

On XXXX XXXX I submitted a complaint for the account with XXXX XXXX XXXX XXXX XXXX XXXX *Complaint details are attached for proof* According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was accurate but, how is that possible if they did NOT do a proper investigation according to the law? And again, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Lastly, Experian says the complaint was submitted on the XXXX of XXXX which is FALSE. The complaint was submitted through the CFPB on the XXXX of XXXX
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MI)

Received on XX/XX/XXXX via postal mail an official-looking paper ( and envelope ) from American Coradius International LLC XXXX XXXX attempt to collect a debt from XXXX, XXXX XXXX XXXX amount of {$2800.00}. I very rarely use XXXX, and am not aware of any purchases. I contacted the company at the number listed ( XXXX ) XXXX to get more information. They asked for the Reference # on the letter, had me verify my mailing address, asked me if I was claiming fraud ( yes ), asked me if I recognized an email address of XXXX ( no-do not recognize that name either ), then asked me if I recognize XX/XX/XXXX ( yes ), then asked for the last XXXX digits of my SS # ( which at this point I am suspicious and did not answer ). She ( XXXX XXXX said shed submit as fraud and I could disregard. I then contacted XXXX. They had a XXXX balance, said they did not recognize the account # listed on the letter, and canceled my account at my request.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I was contacted on XXXX by a fraudulent employer. Unfamiliar with remote job processes, I fell victim to the scam. 

On XX/XX/XXXX, I received interview questions from the fake company, which I completed and sent back. On XX/XX/XXXX, I received a seemingly legitimate offer letter from the scammers. I accepted the offer, and they instructed me to purchase equipment using checks they provided. I gave them my personal information, including my address, full name, phone number, and driver 's license, to confirm my identity before they sent the check for the equipment. They instructed me to be available at XXXX XXXX to receive the check. 

On XX/XX/XXXX, the scammers sent me fraudulent checks, which I was instructed to wire to their " vendors '' for equipment purchases. I wired {$4700.00}, splitting it into two transfers : {$4000.00} and {$790.00}. The scammers later requested an additional {$4400.00} check. By this point, I realized the checks were fraudulent due to issues with my bank and reported the scam immediately. I was advised to restrict my account and open a new checking account to continue transactions and pay my bills. 

From XX/XX/XXXX to XXXX, I experienced ongoing issues with both my old and new accounts. Despite numerous calls to Bank of America, I was unable to resolve the problems, with calls often being transferred to incorrect departments. I was informed that the investigation could take 30-60 days and received no updates on my claim. Additionally, my new account, which had a balance of {$370.00}, was closed without explanation. 

On XX/XX/XXXX, I visited a Bank of America branch, where I was told that my accounts would be closed due to fraudulent activity and that fraud might be noted on my record after the investigation. The branch helped me fax information about my case, including all relevant texts and emails with the fraudulent company. This process has been incredibly frustrating, with poor communication and cooperation from Bank of America. Despite being a member since XXXX and having proof of my innocence, I feel as though I am being treated as the scammer. Bank of America has closed my accounts without informing me and has not let me receive the funds I put in there before the fraud occurred.
Consumer complaint received 2022-08-09
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. (NJ)

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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX- account number- XXXX
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the XXXX major credit bureaus, Transunion, XXXX, and XXXX, I have disputed several inaccuracies, I have not received any answers to my disputes. I have sent dispute letters in the month of XXXX and XXXX. it has been over 60 days and I have received no respone.
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I didn't authorize in of the following Hard 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 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 2022-08-06
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. (WA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account XXXX XXXX XXXX Account XXXX XXXX  Account XXXX XXXX XXXX XXXX creditor : XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number