davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called TransUnion about victim of the inquiry issues and they couldn't help me removed this items that do nit belong to me 1. XXXX XXXX inquiry from XX/XX/XXXX bank 2. XXXX XXXX inquiry from XX/XX/XXXX bank 3. XXXX XXXX inquiry from XX/XX/XXXX mics 4. XXXX XXXX  inquiry from XX/XX/XXXX national credit cards / airlines 5. XXXX inquiry from XX/XX/XXXX national credit card /arlines 6. XXXX XXXX XXXX inquiry from XX/XX/XXXX automotive 7. XXXX inquiry from XXXX XXXX XXXX  bank 8. dep pf ed inquiry from XX/XX/XXXX government
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I contacted my XXXX XXXX in regards to them not reporting my account information to Experian and I contacted Experian and let them know they werent making my XXXX  XXXX account info available, like XXXX XXXX and XXXX are. As a result my total credit line does not show my XXXX  XXXX account or my credit line on Experian. XXXX  XXXX, 30 days later said they are providing the information, but theyre not because Experian is not making the data available. So one of the two arent providing it and each one is pointing fingers at the other about the issue. Only 2 of my 3 cards are being reported with a total credit line of {$2500.00}. XXXX  XXXX is missing, another {$6500.00} in credit line which would be {$9000.00} total, not {$2500.00}.
Consumer complaint received 2020-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (CA)

XXXX XXXX and XXXX XXXX of Fairway Mortgage have refused to process my loan application. I am XXXX XXXX XXXX. They denied me verbally on XX/XX/XXXX and I requested the denial and reason in writing. They have refused. Today I requested a lower loan amount and they refused to even process the application. XXXX stayed, you dont qualify for any amount. I have mortgage credit scores of XXXX and XXXX. I have worked for the state of XXXX for 18 years and I make more than XXXX. I have a debt to income ratio of less than 15 % and I was asking for XXXX loan. I have no bankruptcies, foreclosures, or any late payments on anything in the last couple years and I pay rent of XXXX and have XXXX to put down. But I am XXXX and they refuse to process my application for either an fha or conventional. This would be the first home I have bought and it is very discouraging to be refused to even be considered because of my age.
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

My debit card was stolen, and someone ran up approximately {$840.00} on it in 1 day. I noticed approximately 24 hours from the first charge, and notified the bank ( CHASE ) immediately. They filed 3 separate claims ( 1 to XXXX, 1 to some place I've never heard of called XXXX XXXX XXXX XXXX XXXX, and 1 to XXXX ) - all used in XXXX, AZ while I have clear evidence which can be substantiated that I was in XXXX, AZ working from home. They initially refunded the money while they investigated, but on XX/XX/XXXX, reversed the refunds. I called them today ( XX/XX/XXXX ) and they stated that " because your PIN was used correctly for the transactions, your claims were denied. '' It is my understanding that, under the Electronic Fund Transfer Act, I am only liable for {$50.00} of the CLEARLY unauthorized charges ( since I reported within 2 days ) and I told that to CHASE claims dept, but they shrugged it off as if they are not bound by that law. The reversals thus far have come out to an amount of {$270.00}. The investigation vs XXXX still seems to be ongoing.
Consumer complaint received 2020-08-08
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: Meridian Financial Services, Inc. (GA)

Meridian Financial listed 6 separate accounts as delinquent with different amounts. The accounts were very old when it showed up on my report with dates that are more current. This was for a timeshare from 15 years ago, XXXX XXXX XXXX. We were given misinformation and disputed this in XX/XX/XXXX with XXXX XXXX and then it shows up on my report in XX/XX/XXXX. I disputed but had no way to explain myself, so they removed 3 of the accounts but the other 3 remain and are increasing all the time. They received enough of my money for NOTHING in the 3 years that I did pay for this and they will get no more. I have never even stayed there for vacation since XX/XX/XXXX.
Consumer complaint received 2020-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

As people lose their jobs, my family and I are in dire need of a dollar .. Paypal Bank has grabbed my money and suspended my account. 

The bank informed me that the funds will remain on hold for 180 days since my last account operation and the last transaction was on XX/XX/XXXX That period expired on XX/XX/XXXX However, my account was suspended I have contacted Paypal Bank several times and they have told me that at the end of 180 days they will inform me of how to withdraw my money, but until that moment I did not receive a response from them. 
So I contacted their support account on XXXX and explained it to him all, so he told me that I can withdraw my money. 
I told him that I can not add a payment card until I can withdraw the money So tell me that I should try to link the visa and then stop to answer me. 
the documents First : My Paypal bank account address is XXXX Second : The last transaction was in my account on XX/XX/XXXX Third / The account has been suspended since that date and for a period of six months ending on XX/XX/XXXX Fourth : I sent support to Paypal on XXXX, they told me that I can add a visa ( attached photo of their response ) Fifth : My account is still pending and I have not been able to add a Visa to the Paypal account in order to withdraw money on it ( Attached copy of the visa rejection )
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2020-08-08
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. (TN)

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation (NJ)

There two inquiry on my credit report that I dont recognize or wasnt made by me. 

Member ID XXXX Company XXXX XXXX personal loan companies XXXX. XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ut XXXX
Consumer complaint received 2015-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have made an attempt to make police reports but was denied which led me to wonder why I was being blacklisted at many places. Infact, so much of my information is compromised I could not even obtain my own credit report. My mail was moved without my permission. I had to put the matter with law enforcement through MI DEPARTMENT OF CIVIL RIGHTS. THE NEXT TIME SOMETHING WAS FRAUDULENTLY DONE IN MY NAME WHICH CAUSED ME TO BECOME OVER ANXIOUS THEY SUGGESTED CHANGING MY SOCIAL SECURITY NUMBER, I CAN NOW NOT BE SO SURE AS THIS IS ONE OF MANY PROBLEMS I HAVE HAD WITH THEM BEING DISCRIMINATORY. I was not actually able to go to the social security office in my home town, as I even felt they we 're some what discriminatory ( XXXX, Mi ). They would n't even let me sign up for SS on line on their computers. I had to go downtown to XXXX to do any business even after obtaining pieces of my stolen identity such as XXXX, SS CARD, INSURANCE CARD, ID. I COULD N'T USE THE SECURITY OF STATE TO DO MY BUSINESS IN XXXX, OR RED FLAG MY IDS AND ABOUT XXXX WE 'RE STOLEN. There we 're weird addresses in states I 've never even visited in on my credit report. On XXXX it looked like my age had been compromised.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: LTD Financial Services, L.P. (CA)

Last month, approx XXXX/XXXX/XXXX, I received a call from LTD Financial Services regarding a car loan from XXXX XXXX XXXX XXXX, which I have not paid on since XXXX. However, they claimed that I made a payment on this account back in XXXX XXXX of {$10.00}, which is ridiculous. Why would I pay {$10.00} on a $ 6k loan? Not to mention, I was laid off in XXXX XXXX and did n't have any money to pay anyone. I thought this account had fallen off of my credit because it has not been on my credit report for many years. Now, they are sending me letters and calling me to pay a {$6400.00} debt. Someone falsely made a payment on this account, which started the collection and timeline again and I am not acknowledging a debt that is almost 10 yrs old.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX EXPERIAN FILE NUMBER : RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX US Dept Of EDXXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of EDXXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX US Dept Of ED/XXXX  XXXX XX/XX/XXXX I have attached a copy of my SSN card , Valid IDs , and a copy of my utility bill to prove I am human who has been a XXXX XXXX XXXX, so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been XXXX XXXX XXXX XXXX or XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Experian. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I sent a transfer for XXXX from XXXX XXXX XXXX to 5/3 Bank on XX/XX/2020. XXXX XXXX reported that it was deposited today this afternoon. When I called to check my balance the deposit was not there. I want my transfer tracked because I never received it. And it never went into my account. Transfers on Friday happen very quickly. For some odd reason it is not there and is not showing up.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I received a voice mail today from " XXXX '' at First National Bank of Omaha stating he wanted to verify that I applied for a credit card from the bank. I did not. I attempted to call the bank and speak with XXXX but was unable to do so. The phone number that I received the call from was XXXX which is different then any phone number I have found for this bank. Not sure if that helps or not. I have had ID theft problems in the past with someone trying to open accounts using my information. Luckily I have not had one be successful yet. I would like this to go on record.
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CUSTOMERS BANCORP, INC (OH)

I received a debit card in the mail several weeks ago from Customers Bank. I had never heard of that organization and certainly never opened an account with them. I called their fraud department and left a message but never received a call back. 

Several days ago, I received a statement in the mail for a checking account. It shows that an amount of {$2500.00} was deposited, and then immediately withdrawn. I called to report this and actually spoke with a person. She was unable to close it, or even add a simple note saying that this was likely a fraudulent account. She redirected me back to the fraud department 's answer machine. 

It shouldn't take several weeks to even get a response to a clearly fraudulent activity. I also don't understand how this Customers Bank didn't detect this on their own. A large deposit followed by a total withdraw should clearly raise some red flags.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Fraudster, the Company ) which involved me making deposits for a total amount of XXXX USD from my bank account to XXXX  at the instructions of the scammers
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

While in bankruptcy protection ( XX/XX/XXXX-XX/XX/XXXX) my mortgage was sold to XXXX. Even though monthly mortgage payments as well as monthly bankruptcy payments were made in full and on time, XXXX continued to assess unsubstantiated and unwarranted fees. Three separate complaints were filed with CFPB in XX/XX/XXXX regarding these unlawful charges ( XXXX onXX/XX/XXXX ; XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ).  On XX/XX/XXXX XXXX representative XXXX XXXX sent a letter that stated " XXXX has determined that there are inaccuracies on your loan and have made corrections. Pursuant to the payment history the XXXX account was indeed current ''. since that time we have been trying to get XXXX  to correct late payment notices they posted earlier in XX/XX/XXXX prior to that note. We have sent copies of the checks, as well as the day each individual month they were received and cleared our bank. XXXX sent reports to the credit reporting agencies that each of our first 6 payments to XXXX were 60 days late or more, and has been unwilling to correct this misinformation. Since we did not pay XXXX   anything additional other than mortgage each and every month, and they themselves determined us " current '' as on XX/XX/XXXX, ( and admitted mistakes ), something doesn't line up correctly. On XX/XX/XXXX we attempted to get this information corrected with no success. We filed a new complaint with CFPB ( XXXX ) trying to get the same, again with no success. Again, since the entirety of what we made were scheduled monthly payments every month, in full each and every month in XX/XX/XXXX ... and we have the actual checks with the dates each month when they were received and the date they cleared XX/XX/XXXX that very same month, with no additional monies were sent to XXXX  ... they admitted in XX/XX/XXXX they indeed had made inaccuracies with this account and corrected their account records ( and indeed the account was current ), how can there be 6 consecutive months of 60 days or more late from XX/XX/XXXX to XX/XX/XXXX? We even wrote on the front of each check " for use toward XX/XX/XXXX mortgage payment in full '' on XXXX XXXX check ( received in XX/XX/XXXX, cleared by XXXX  XX/XX/XXXX ). This process was repeated each and documented each and every month, for the exact month the payment was due.
Consumer complaint received 2020-08-08
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: Experian Information Solutions Inc. (VA)

I previously submitted a dispute regarding 3 XXXX  accounts that were included in bankruptcy & discharged but showing balances & charge off status. The response I finally received from experian was that they would update the accounts to reflect the bankruptcy discharge. They were subsequently all updated to XXXX  balance & showed as included in bankruptcy. Now 2 weeks later one of  the accounts has been changed back again to the bankruptcy indicator being removed & a balance of {$82000.00} is back on the account. See XXXX account # XXXX on my current credit report & please correct. I have attached the previous CFBP complaint as well as the bankruptcy paperwork that I previously submitted. Can you please stop this from recurring with this account as well as the other 2 XXXX accounts? This loan is not exempt from bankruptcy discharge as it does not meet the definition of a student loan under bankruptcy law & in fact this creditor has been sued several times for their credit reporting & collection practices & have a class action lawsuit against them currently for violating bankruptcy law. I am part of that lawsuit & am seeking damages currently. I have attached that for you as well. Thank you.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts : Commonwealth Financial Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.