davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (NY)

I am writing to request the blocking and deletion of accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report. 
Please find below the details of the accounts that I am disputing : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-06
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. (TX)

provide me with the signed contract authorizing you to report your private personal information to a third party., you are in violation of 15 USC 1581 section 1666b as well, it states creditors ( financial institution in this case ) cant treat payments as late for any reason unless you notify me that Im about to be late 21 days BEFORE your my due date, which you havent done remove all lates now.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (IL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXXXXXX Balance : {$5400.00XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX account #. XXXX has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NV)

Chime Banking companies, they locked you account with money in it and they won't help you login back in your account. They will pretend that they don't know what going on with your account when you tell them that you can't login your account. They a fraud.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX. The charge off carrying a balance. This is in violation of FCRA Section 604 ( A ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (UT)

A cashiers check was sent to TJX Rewards Card in XX/XX/2021. It was cashed, funds removed from my account however never applied to my credit card balance. I called TJX with my bank ( UCCU ) on the line to resolve this issue 7 times. On 2 occasions they said they found the payment and credit my account only to withdrawal the funds at a later time. I paid the balance off with additional funds as I didn't want to be charged for interest. We also have 2 phone recordings where they said they found the funds. The account is closed yet I have a {$6700.00} balance which is accruing interest.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Automatic Data Processing, Inc. (CO)

Friday on the XXXX of XX/XX/2019 my balance XXXX i bought a few items everything was fine and then somebody took my card and paid the gas at a pump so like normal they put a XXXX $ on hold but once the transaction went through they took XXXX $ never gave it back .. i bought a tv from XXXX canceled the order they took my money and never gave it back im missing almost 300 $ out of my account transactions are constantly changing and not making sense dates disappearing its terrible
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/2022 I deposited a check thru my banks automated system. My bank accepted the check and sent me an e-mail on XX/XX/2022 letting me know that the check was successfully deposited, so I could go ahead and destroy the check and then gave me the details of my deposit. [ I did not destroy the check ] This check was for {$600.00}. I made XXXX small purchases on the XXXX and then on the XXXX of XX/XX/2022 I went to make a with draw and seen that the bank had frozen my account because they that I had made a fraudulant transaction. I contacted them and they said they were doing an investigation that would take up to XXXX days and then they would contact me at that time. I was contacted by a gentelman on XXXX I believe he told me that the investagation was complete and they deemed that I was not quilty of fraud and that my funds would be made availiable with in XXXX hours and the conversation was over. I waited for XXXX hours and my account was still frozen. it would take me at least another hour to tell you everthing and all the phone calls that I have made since then including XXXX I just made once again. I have a folder full of just some of the things I have been ask to do to get my money I have done everything they have ask of me and know they won't even talk to me or return a call. thank you
Consumer complaint received 2023-03-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2019-08-16
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'VE BEEN GETTING CALLS FROM DEBT COLLECTORS AND COULDN'T UNDERSTAND WHY! I SO HAPPENED TO PULL MY CREDIT REPORT AND I NOTICED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT WERE NOT MINE AND ARE UNAUTHORIZED AND FRAUDULENTLY REPORTING ON MY CREDIT REPORT. I AM HIGHLY UPSET ABOUT THIS MATTER, A POLICE REPORT IN XXXX HAS BEEN FILED AND ADDITIONALLY A COMPLAINT WITH THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AppFolio, Inc. (MO)

I have requested an incorrect address be removed as the address is not mine and have requested the company remove said address 's. XXXX XXXX XXXX, MO XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are not my addresses and as I have stated are not found on my credit report and these companies are reporting inaccurate information that I have requested several times be removed.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NY)

It was brought to my attention during a refinancing process that i have a second mtge with ALLY Bank. Upon contacting Ally, bank, they were unable to tell me how they got the mortgage and was asked if i wanted to make a payment. I was surprised as i did not at anytime had any dealings with ally. Had to pressurize ally about the existence of this mtge before they could tell me it was sold to them in 2014 and unsure who sold it to them. My issue is why i was not contacted and why up till date i did not recieve any billing statements from ally. I am unable to get a straight answer, nor the company handling my refinance I also did not recieve transfer docs that they recieved from this other company who sold the mtge Ally had prevented the refinance from moving forward as i now have $ XXXX on my name that Ally did not keep me abreast of.. My current mortgage company was not aware of this mtge. I know my mtge did changed hands but i was under the impression that the complete mtge was transferred to current lender. 
Thankyou
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

I received a call from a man who was well-spoken and professional sounding asking me to be available within the hour to deliver some legal documents that need my signature. I asked what they were concerning, but he said he was just the courier. I asked who requested the delivery and he gave me a phone number to call - XXXX and this is the tracking number for the documents : XXXX. 
I called and was told that Providian, on behalf of Chase, is taking me to court to recover a bad debt of about {$2500.00} and if I paid by phone, I could settle for {$.00} on the dollar. I told her I didn't have any outstanding debts and said she had the wrong person. She read back my full name, my address and the last four digits of my social. I asked where she got that info and she said that it was listed in the legal papers. I knew this was a scam because in 1999 I paid off and cut up all of my credit cards and I didn't live where I am 20 years ago. I have had no credit for more than 20 years. I never had a Chase or Providian card. I told her to tell Chase/Providian to came on ahead and sue me. I am concerned for all the people they call that actually do have those XXXX. Please stop them.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FISERV INC. (IL)

XXXX incorrectly charged my account for {$5.00} and {$15.00} on XX/XX/2021 and subsequently reversed the charges on XX/XX/2021 due to their error. 

Despite this error by XXXX, XXXX reported my account as past due and sold my account to a collection agency called TRS. TRS has been harassing me despite me sending them proof that I do not owe any money and this was an error on behalf of TRS. I called on XX/XX/XXXX and also on XX/XX/XXXX. I also filed complaints with the Attorney General in California against XXXX and Attorney General in Georgia against TRS. Despite this, both XXXX and TRS keep pitching my case back and forth and blame the other for not clearing up my records. 

I need CFPB to intervene since neither of these companies know what they are doing and can not clear up my records without your assistance. 

XXXX
Consumer complaint received 2019-01-27
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. (NY)

My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.
Consumer complaint received 2022-10-09
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: JPMORGAN CHASE & CO. (TX)

I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of Chase Cards JMPCB credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to Chase Bank as well as XXXX and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from Chase bank that states their reporting is accurate because " payments were made to that account. '' Chase failed to include any supporting documents, yet is being permitted by both XXXX and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record Chase Card Services used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX Data Breach, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from Chase Card Services regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.
Consumer complaint received 2022-04-19
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. (NV)

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.

1. XXXX XXXX XXXX  acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than seven years.

15USC 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 2020-02-09
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: EQUIFAX, INC. (IL)

XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX  {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX  {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}
Consumer complaint received 2022-10-19
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. (IL)

I RECEIVED A COPY OF MY CREDIT REPORT ON XX/XX/2022, ACCOUNT NUMBER XXXX HAS A BALANCE OF {$34.00} WHEN IT SHOULD SHOW A {$0.00} BALANCE. I TALKED TO SOME XXXX AT EQUIFAX OVER THE PHONE BUT IT NEVER GOT RESOLVED. SEE ATTACHED DOCUMENTS.
Consumer complaint received 2022-01-04
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 (NC)

PayPal temporarily limited my account, claiming suspicious activity on my account. I submitted my explanation, that none of my activity was suspicious ( thinking they meant I had been hacked ) and that any fraudulent activity that I encountered I would report immediately. PayPal unfroze my account for a few weeks then inexplicably permanently limited my account, with a note saying You can no longer do business with PayPal. They have frozen my funds in the account and issued threats that they will recover funds from me if needed. I have no idea why they would think this would be a possibility. I have tried numerous times to reach out to PayPal and get an explanation but have not been able to get any more detail other than that their decision is final and they reserve the right to limit accounts for various reasons ( without giving me any detail on what reason drove their decision in my case ). I have attached screenshots of all of the support messages I have received from PayPal regarding this issue, most of which have been the same or a repeated automated message, giving no specific details.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (GA)

Received a never applied micro center store credit card ( issued by Wells Fargo ) opened on XX/XX/2021, about changes {$3200.00}. Called Wells Fargo regarding the concerned faults. WF closed the account.