davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fifteenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of identity theft since 2019. My credit was frozen for two years. 15 U.S. Code 1681b - Permissible purposes of consumer reports. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. I am trying to buy a house and it's defamation to my character and livelihood.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I demand immediate action on my account situation. I filed a dispute regarding an inquiry made on my credit report, despite not applying for any personal credit products. As a result, my business account was closed, and my personal checking account was put on hold. Despite numerous attempts to close all accounts, I was told to visit the nearest branch back in XX/XX/. When I did, the banker could not close the account due to an unknown restriction, and I was promised a call from a representative to close the account. It is now XX/XX/XXXX, and I have yet to receive any call, and I am still receiving statements from Truist. To add insult to injury, a {$12.00} maintenance fee has been deducted from my account every month. This situation is unacceptable, and I demand that my account be closed promptly, and the balance returned to me. My current checking account balance is {$110.00}, and my savings account balance is {$50.00}. This can not be legal.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VALLEY NATIONAL BANCORP (NJ)

I previously filed a complaint ( # XXXX ) with Valley Bank which is the servicer of my loan and this is a new complaint related to a similar issue. I reiterate my claim that this bank is not capable of servicing mortgage loans. Therefore its servicing license should be revoked. The bank frequently makes mistakes in my account that requires me to call/email them and they are not responsive. I am unable to have them fix the mistakes in my statement. The attached file shows an email I sent on XX/XX/year> which has not received any correspondence although I copied several people from their servicing department. 

In addition to this the bank frequently sends me warning letters claiming that I do not have an insurance policy on the related property although they are listed as a beneficiary on the policy and they receive proof of continued insurance. 

I reiterate my claim that this servicer is not capable of servicing a mortgage portfolio since it can not perform the most basic services that a servicer has to provide to borrowers. 

Further, the bank has perjured itself in its response to my previous complaint # XXXX by lying to CFPB and I have evidence to prove this.
Consumer complaint received 2024-01-31
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

Emergency update to original case RE : Consumer Financial Protection Bureau Complaint No : XXXX for PayPal. I contacted the scammer XXXX XXXX, through a new number which he actually responded. My screenshots provided here will prove to you that he is in fact the scammer. Please be advised that the screenshots have some explicit content from " XXXX '' 's text but I have tried my best to cover it up. He first stated that I had the wrong number then came to the point where XXXX stated " Stop asking for a refund '' and lastly " he would do it again '', meaning he would scam me or others again. Is this what PayPal stands for? Letting scammers continue to scam people with proof from the victim? I do not want to wait 10 days. I want my {$130.00} back immediately or I will file a chargeback for fraud with my credit card company.
Consumer complaint received 2023-07-06
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. (AR)

This is my 3rd attempts to inform you that my current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these all immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC1681 SECTION 602H VIOLATED MY PRIVACY ACT 15USC1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act. Capital One has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer report agency can not furnish and account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (PA)

the loan financial company Ally Financial insist that I have a debt w/ them and it is currently listed on my credit as charged off w/ late payments. It has in record that I have of a cosigner I have no knowledge nor recollection of such a person. I have no relations whatsoever to this person listed. Therefore, I am stating this is an inaccuracy/ fraudulent. As a result, I am requesting that is removed. I have disputed and contacted the credit bureau as well as the creditor and was denied the removal.
Consumer complaint received 2023-07-06
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following items. They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ) XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have not provided proper disclosures or the option to opt out of sharing my information. I have not received any benefits from these transactions. I suspect that my identity has been stolen, and I request that you immediately block, delete, and remove the shared information from my consumer report, as outlined in 18 U.S. Code 1028A. Furthermore, according to section 602 A of the 15 USC 1681, I am entitled to privacy rights. In addition, section 604 A, subsection 2 of the 15 USC 1681 states that a consumer reporting agency can not disclose an account without my written instructions. According to section 1681c ( a ) ( 5 ) of the 15 U.S.C., no consumer reporting agency is allowed to include certain types of adverse information in a consumer report, unless they pertain to records of crimes that occurred more than seven years prior to the report. Finally, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for anyone to provide inaccurate consumer information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

My account was Hacked on the week of XX/XX/XXXX to XX/XX/XXXX. A total of approximately {$5300.00}. My card was with me at all times. 
ATM withdrawals, purchases at XXXX XXXX, XXXX, all purchases made in XXXX NY. I dont leave there! My residence is XXXX OH and work in XXXX XXXX Michigan. 
I contacted the bank the first time XX/XX/XXXX and a claim was submitted. 
I reached out again XX/XX/XXXX because I havent Heard back and they told me the claim was denied and close the claim. They also told me they send me a letter notifying me, that I never received. The bank is saying that my pin was used and refused to pay my money back. 
They also refuse to provide me with assistance on documentation that I can provide to retrieve my money. My claim # is XXXX.
Consumer complaint received 2023-07-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-31
Product: Credit 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: SYNCHRONY FINANCIAL (NE)

I purchased a lead service and program from XXXX for final expense - the service was changed to a veterans program for leads ( They are two separate options to purchase ) In good faith I gave it a try and received half of the service - stopped the order because I wanted to not be on the veterans program. Arranged an alternative plan with XXXX on their account side via email and agreed to an alternative solution. 

This XXXX years later has still not been addressed. 

The amount of XXXX was originally spent to purchase this lead program - It did not work, It was the wrong program, and I to this date still have no received the entire amount. The original purchase was in XX/XX/year>, the complaints and email agreement to fix what was wrong was in XXXX with lead XXXX client. The dispute was filed in XX/XX/year>, and has been refiled monthly with documentation since to synchrony bank. 

I have disputed this case with synchrony bank/pay pal credit and they keep closing my case without sending me documents. I've faxed my documentation multiple times and it only shows up half the time. The merchant can digitally upload anything without all of the extra hoops to get information to Synchrony. Prior to Synchrony taking over Paypal credit this was never an issue. 

Synchrony keeps charging me interest and higher minimum payments for a service I did not fully receive. - I have contested this case monthly - provided any documentation they request- they send me mail saying I opened the case, never tell me when they close it, and will not send me the documents requested. This has been going on for almost 2 years now I would like to have this resolved as I STILL have no received the service from the merchant fully. 

I will happily provide any information needed.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC (WI)

On XX/XX/XXXX, Dave banking took XXXX dollars out of my primary banking account without any authorization and held those funds. I was originally told in 2-3 business days those funds would be released. On XX/XX/XXXX, the money that was taken out just disappeared in my Dave account. I contacted Dave regarding the matter and they told me they'll issue a refund and to wait another 3-5 business days. I did as instructed and on the 5th business day those funds were never returned to my primary banking account. I contacted my bank account and was told by multiple representatives that the funds were never returned. Dave apparently lied to me about the refund and is refusing to give the XXXX dollars back to me.
Consumer complaint received 2024-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

MOHELA refuses to count my payments towards PSLF in XXXX. They have my loans listed at being in deferment at that time. THIS IS THEIR ERROR. I was not in school and had not been in school since XXXX. I worked and provided my PSLF form numerous times. I have asked for this to be corrected with them refusing or telling me to prove I wasn't in school. How can I prove I wasn't in school other than by providing my graduation of XX/XX/XXXX. Not counting these months or processing my most recent uploads recommended by Studeentaid.gov is keeping me from qualifying. I am losing this benefit because they will not fit their clerical error
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-27
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. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :