davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I have tried to make mortgage payments online in the past, but the online portal periodically does not work. When I called the mortgage company on XX/XX/2023, I was told my account was behind, they could only take two payments, so two payments were scheduled for draft on XX/XX/XXXX. They did not occur. On Monday XX/XX/XXXX, a week after the XXXX, I called the mortgage company to inquire on why the payment had not gone through. I was told that they were unable to ( for unknown reasons ) and that I needed to wire {$10000.00} via a XXXX XXXX to a trust fund before XXXX that day. I explained that I wanted to pay ALL money owed immediately, right now. They said my account was now in foreclosure and that I had to go to a XXXX XXXX and make a wire payment before XXXX. When l asked for a letter, email, or other form of written instruction, I was told they could NOT provide any as per policy. I was to call from the XXXX XXXX and receive VERBAL INSTRUCTION ONLY. 

Please assist.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion has continued to repeatedly give me problems with getting access to my credit. I have tried several times over the past year to deal with TransUnion to view my credit report for inaccuracies and I have never been able to review my report online.
Consumer complaint received 2023-03-17
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. (OH)

I have been victimized by identify theft. Multiple accounts have been opened up in my name. And i need them removed now. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-17
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. (KY)

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 XXXX XXXX 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 2023-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (FL)

I went to the ATM at XXXX  XXXX in XXXX XXXX to withdraw XXXX I put my card in the machine followed the prompts. The ATM said to take my card I did and out came the receipt but no money followed. So I went to the clerk and he said I would have to dispute it with my bank so I have done that three times already. And I have all three times sent the pictures of the ATM reciept and how after the transaction it said out of service I even called the number on the ATM it has a option if you didn't receive your money from the ATM do this so I have called them twice and left messages no reply. I'm frustrated at how a company can steal a person money all they have to so is look at the camera or investigate this matter properly but they are not so I'm asking that you guys please help me to recover my .only your help in this matter is greatly appreciated.. I have also requested the supporting documents that they are basing there decision off of. The last image is the only thing they have produced thus far.
Consumer complaint received 2023-05-10
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: Kikoff Inc. (TX)

Hello, I would like to know what inconstancy '' KICKOFF '' do you have in my complaint? The account was not open by me, its falsely bring reported to the credit bureau, and it has negatively being reported on my credit report, per the CFPB that's against the law!
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

Receiving multiple robocalls daily for weeks from Synchrony Bank trying to call someone using my cell phone number to collect a debt. We have called and given our information and that we do not owe any money or have a debt with Synchrony Bank. When we call, they agree it is not our account and that they will stop calling, but they do not. I have had this phone number for years.
Consumer complaint received 2023-05-10
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. (MO)

ALL ACCOUNTS PERMANENTLY LISTED BELOW : 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The address on my transunion report is incorrect and needs to be changed to match the address on my XXXX report which is correct. On transunion is shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Attached below is my transunion address on the report which is inaccurate and also my XXXX report with the correct address.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westcreek Financial (NC)

I had signed a lease agreement for wheels and tires from a company. I have been fighting with the company since I had signed the agreement. I did not want them and tried to cancel the lease. I have since been charged for 3 months with items I never wanted. I finally got ahold of someone with XXXX and they resolved the issue with the merchant only to tell me I still owe them money or they will report that I am delinquent on my credit report. I spoke to the lady today and she stated that on the phone. I DO NOT HAVE THESE ITEMS. They have them and in no way should I pay for an item that I did not want. I also should be refunded the full amount that was paid!!! This is the worst company to ever deal with. I have done lease to own with XXXX and XXXX and they were amazing. This company to state that if I do not pay for items I do not have in my possession that it will report to my credit bureaus should be illegal and they should be shut down. Please help me recover the funds and ensure that they do not report any information to my credit report as I do not have possession of these items.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

I recently looked at my credit report and saw this company Credit Collection Services reporting a account. Funny thing is I have no clue who they are and don't owe them any money. I am filing a complaint against them demanding to see a contract I signed and proof I owe them. I demand they cease any and all contact with me and their reporting of this damaging info to third parties. I want this account DELETED from my credit reports now. This company has violated so many laws under the FDCPA and I plan on holding them liable as far as court if I need to. Credit Collection Services violated the FDCPA by not providing me with a notification before reporting the collection account to a credit reporting agency. The FDCPA requires debt collectors to provide consumers with a written notice within five days of their initial communication, which must include : The amount of the debt The name of the creditor to whom the debt is owed A statement informing you that you have 30 days to dispute the validity of the debt A statement informing you that if you dispute the debt, the debt collector must provide verification of the debt In addition, the FDCPA requires debt collectors to provide validation of a debt if a consumer disputes the debt within 30 days of receiving the initial notice. I expect a speedy response
Consumer complaint received 2023-05-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Transunion Name Removal Option XXXX XXXX XXXX XXXX, MS XXXX Re : Fraudulent Credit Inquiry To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Consumer complaint received 2023-07-21
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. (MD)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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. If you feel there is a possibility these Items belong to me will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each Items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the Items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
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: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-21
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX  ) XXXX BalanceOwed : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-10
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 (SC)

Dear PayPal Team, I am writing to appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed in error, and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I want to emphasize that I have not violated any PayPal policy. I have always complied with the terms and conditions set forth by PayPal, and I have used my account responsibly. Therefore, I was surprised and deeply concerned when I received the notification of my account 's permanent limitation. 

I strongly believe that this decision was made based on a mistake or misunderstanding. I have not engaged in any suspicious or fraudulent activities, nor have I violated any PayPal policies. I have always been transparent and honest in my transactions and have always followed PayPal 's rules. 

I kindly request that you take another look at my account and re-evaluate the evidence you used to reach the decision to limit my account. I hope that upon review, you will find that my account does not warrant a permanent limitation, and I can continue to use my PayPal account as before. 

I understand that the safety and security of PayPal 's platform is of utmost importance, and I appreciate your efforts to prevent fraudulent activities. However, I firmly believe that in my case, there has been a misunderstanding, and I am eager to cooperate with you to resolve this issue. 

Thank you for taking the time to consider my appeal. I am confident that a fair and thorough review will lead to a positive outcome, and I can continue to use PayPal services as before. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX To Whom it may Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my consumer portfolio service account. 

Its showing 30 days late but I have documentation of payment with confirmation number below are 6 months of payments. 
XXXX XXXX {$270.00} XXXXXXXX XXXX confirm # XXXX XXXX XXXX. {$270.00} confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX  Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX  Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed XXXX  days after and paid it. I paid twice in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im XXXX days late. I have all documentation showing pay dates. I was never late more than XXXX  days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration
Consumer complaint received 2023-05-10
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IN)

Sunrise credit services has placed a fraudulent collections account on my credit report as of XX/XX/2022, in the amount of {$330.00}. I have never consented to this account being open nor was I aware of this account being opened fraudulently with my information I have contacted this company more than once and they give me the run around concerning the account. I have a police report filed and stamped concerning the account and all other proof that I am not responsible for the account that is currently in collections.
Consumer complaint received 2023-05-10
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. (NY)

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. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXx has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2023-05-10
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: Atlanticus Services Corporation (LA)

I have gotten several emails welcoming me to Fortiva, stating I have a payment scheduled for {$99.00}. I have never heard of this company, and I havve one credit card in 4 years or more. 
When I called I was asked to supply last 4 of my SS, zip code, first and last name. When she was not able to find an account under the last 4 of Ss number and zip code I refused to provide more information that may allow an account to be linked to me via fraud. I also called from a phone not registered to me as I suspected it to be fraudulent.