davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MO)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Unable to check my application online American Express put a error code under my name unable to get approved for a credit card with a credit score XXXX  for bogus reasons and they kept sending me denied letters and blocking my social security number from getting approved for XXXX XXXX American Express card and putting a hard inquiry for nothing.. I want it removed for false advertisement.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I sent {$1500.00} to my brothers business Venmo for him to cut my dying trees down/landscaping. Venmo suspected fraud and froze his account and my ability to use that banking information. They verified me, they verified him but still said they could hold the funds for 180 days. They will not tell us why, we tried to request a reversal/refund and they wouldn't allow it, they refused to let us speak to a supervisor. He has no money for materials now and I am out of a service and the trees are dead and could hurt my family. I attempted as well as my brother to resolve it and we just keep getting ignored/hung up on/told there is nothing they can do. I didn't get my service, he didn't get theo ey I sent him, he's being blocked from using it and even reversing/refund it. They will not say why this is happening and they won't even let us process a dispute. When we ask for a supervisor we are disconnected or told there isn't XXXX. This is infuriating. Not only is he out of {$1500.00} which is all the money he had, but I am out of {$1500.00} because I paid it to him and My service isn't completed which is extremely dangerous as the tree could fall on my home with my children in it or on my neighbors home. Venmo says there's nothing they can do and " we agreed " in the terms and agreements that they can keep it up to 180. This is unacceptable. They are doing this to so many ppl. Venmo is scamming many people, it's all over XXXX and XXXX and public sites. Please look into this ASAP. Thank you Hold money 180 day
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The company has charged this account off, so I requested a 1099 c for the cancellation of debit. I was told by the company that I didnt qualify for a 1099 c form. A charged off states that the debit has been cancelled, but it still shows a balance on my report. The company refuses to give me a 1099 c form or remove the debit or remove the charge off.
Consumer complaint received 2023-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-08-18
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-04
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2022-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I submitted the inaccurate account reports and my identity theft to the credit bureaus and they have not done anything at all. I am a victim of Identity theft. unfortunately XXXX  XXXX XXXX XXXX XXXX XXXX picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 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 and i did not make these charges I ask that these items are 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-24
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. (FL)

Since 2016 my mother and I, who share a mortgage loan with XXXX Mortgage, have been in constant disputes over the mishandling of our loan which, in summary, amounted to several Fraud investigations through our bank, XXXX XXXX, because of XXXX Mortgage  claiming payments nit being received yet we have record of sending through our XXXX XXXX bill pay system. We settled with XXXX Mortgage with a Modification and the case was dismissed without prejudice. XXXX Mortgage is not foung the same thing they did before and they are again claiming we are not making payments. I have proof of all payments being made and XXXX XXXX has opened another XXXX case against them. We have disputed almost every month for 6 years now, the discrepancies on our credit reports. Even XXXX Mortgages kawyer has written us saying that all late reports are to be removed. They have not been. XXXX XXXX Transunion keep investigating my dispute of late payment reports on our credit and they clise each dispute and nothing changes even though I have provided all proofs of payments since 2016, letters from XXXX Mortgages lawyer claiming it should be removed, and letters from the court showing the case dismissal. We are currently pursuing cases against XXXX Mortgage for the mishandling of our loan, which include Fraud investigations through XXXX XXXX, reports against XXXX  to this agency ( CFPB ), opening complaint with Florida XXXX  XXXX XXXX and XXXX for XXXX abuse by XXXX  Mortgage and complaints opened with the XXXX. My complaint is that XXXX and Transunion are ignoring all documents I provided showing proof of payments and the open disputes on this account. Payment proof has been provided on multiple occasions and still no change to our credit which has now cost us hundreds of thousands of dollars and leaving us stuck with this predatory lender because we are unable to refinance or sell/buy a much needed larger home. We are also both XXXX and were victims of two Federally declared Natural disasters ( Hurricanes Matthew and Irma ) as well a victims if Covid-19, which I not only almost list my life and the life of my unborn child too ( after three weeks in the hospital and subsequently the premature birth of my infant son and his two week XXXX stay XXXX XXXX and Transunion must review the evidence provided and take proper action and not just side with the BIG company taking their word for it. All proof has been provided and more can be given if needed. 
My complaint against XXXX is that my XXXX Mortgage account has been totally deleted showing no record of me paying on a mortgage at all.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( XXXX ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( XXXX ) Delete this account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-08-24
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. (TX)

In fact, the law provides me with protection as a consumer to prevent inaccurate information from being simply reported on my credit report. Before I speak with my own legal counsel, I would like to have one last request for analysis so that I can learn how to manage inaccurate and unverifiable materials that are now being accepted as real. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-24
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: Global Lending Services LLC (FL)

I have been paying my account on time for well over a year and there is proof attached, also the only reason XXXX XXXX marked my payment late was because of a error on the XXXX XXXX website. I was trying to pay at night on XX/XX/2022 and the website was not working. I ended up 1 day off and payed on XX/XX/2022 because their faulty website. That should not constitute a late payment. As promised by the CARES act I should be accommodated and compensated for this headache and emotional trauma that this has caused. 

Also, I contacted the company to try and get this removed but they would not comply and said that " We do not remove late payments '' My credit went down a TREMENDOUS amount as well and it made it very hard to to obtain new credit, I was also denied for certain credit products due to the fraudulent late payments.
Consumer complaint received 2022-08-24
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-24
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (TX)

XXXX XXXX, 2023 I spoke to XXXX staff from Veterans United Home Loans, and she was trying to convince me to use their realtor. I refused and she starting being very rude and disrespectful by coughing loud as I talked. So I did the same. XXXX I previously spoke to acted very similar and trying to talk over you, then coughing when I was talking. They knew I was a XXXX male based on my voice, and it has XXXX indicators based on how they were acting. The next day I spoke to XXXX XXXX, and he was soured on the phone because they had told him about the interaction. So he kept changing my document requirements, and eventually said I need this year taxes done or they can not do anything. I chose not to proceed with them due to terrible interaction. They should not be allowed to serve veterans. They service was horrible with XXXX undertones as well. They had no written authorization to pull my credit, and XXXX pulled my credit any way. I want inquiry remove, because they should not have pulled my credit.
Consumer complaint received 2022-08-24
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: JPMORGAN CHASE & CO. (TX)

Entertainers at a club got my wallet and charge several cards over $ XXXX. XXXX out of XXXX financial institutions credited the money back acknowledging the fraud. JPMCB ( Chase Bank ) refused to return the money that was charged without my authorization. I disputed it with them and they did an investigation. This investigation did not include acquiring a statement from me. The business who committed the fraud supplied credit card receipts which had scribbles as the signature that do not match my drivers license or passport signatures which I supplied to Chase at their request to no avail. I disputed the charges with them multiple times. They sued me and in court they could not supply adequate evidence so they dropped the suit without prejudice which means the account will stay on my credit. Ive uploaded a signed letter from the judge showing they filed a non-suit and backed out of suing me because they couldnt supply the necessary evidence to obtain a judgement. I have tons of evidence supporting my case. Ive disputed the account on my credit report and XXXX will not remove it because Chase keeps saying the information is accurate which it isnt.