davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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. (IA)

I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address
Consumer complaint received 2023-05-26
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. (NC)

My name is XXXX 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 2024-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

There were fraudulent charges on my checking account. They refuse to open the claim back up even though I provided proof that the charges were fraudulent charges. They were made in a foreign country in XXXX which i never been to by scammers Instead and XXXX is known to be scammer paradize, they just closed my account and did not refund the money withdrawn instead of fixing this. The bank also closed all of my accounts, even though, there was only one account with the fraudulent charges/issue.
Consumer complaint received 2023-11-22
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. (MD)

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 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I am writing to formally dispute the inclusion of two accounts on my credit report, namely : XXXX XXXX Account Number : XXXX XXXX XXXX [ Last four digits obscured for security purposes ] XXXX XXXX  Account Number : XXXX XXXX [ Last four digits obscured for security purposes ] Upon careful review of my credit report, I have identified that these two accounts do not belong to me and have been erroneously included in my credit history. I have no association with these accounts, and their presence on my credit report is inaccurate and misleading. 

I urge you to investigate this matter promptly and remove the aforementioned accounts from my credit report. The inclusion of these unauthorized accounts has the potential to negatively impact my credit standing and overall financial well-being. I appreciate your attention to this matter and request that you provide me with a timely update on the resolution of this dispute.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (VA)

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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) XXXX XXXX XXXX ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (AL)

I opened a US bank, business and personal checking accounts. 

After several issues with the local branch I was working through, I had three credit applications submitted without my knowledge. 

That coupled with other issues, I closed, my personal account. Without owing any fees or balances. 

Soon there after, I needed to send a time sensitive business wire. 
I was told the only way new funds would be availed if it were cash. So I went to another one my banks, who didnt allow international wires with the account type I had with them, and carried the funds to the US bank branch in question.

Upon attempting to deposit the funds, they told me the wire wouldnt be able to sent until the next day potentially longer. Completely different then what was told to me on the phone.

This branch was a 2 hour drive from where I lived at the time. 

Due to this I requested immediate closer of my account. 

Today I attempted to open an account with US Bank for one of my different businesses. 

It was declined for : In reviewing your application, we noticed inconsistencies in the information provided. Although we tried to verify the information, an account can not be opened for you at this time. 

There were no inconsistencies. I called the number given via their email. After being transferred twice and being on the call for an hour, the representative simply stated I breached terms of service, and would not be able to open another account with US Bank moving forward. When I inquired what I had done to breach, no reason was given, simply they could provide a copy of terms of service. 

I read a copy of the terms of service, to which I could not find any reasons as to why I would not be allowed. 

I closed it in good standing, without owing any balances. 

I fill this decline is discriminating against me, and my previous account was inaccurately notated due to the complaint I filed about the issues with that branch.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (MA)

XXXX ( XXXX ) collection has been paid. The XXXX collection of {$230.00} was placed as a mistake due to an alleged balance after account has been Closed and Paid off in XXXX. 

Matter has been settled with XXXX and balance paid {$60.00} ( confirmation # XXXX ) but XXXX collection is still showing on 3 credit bureaus bringing my credit significantly lower. 

Urgent! I am in a process of obtaining a Mortgage. This record is a HOLD up for getting the loan. 

I am asking to delete derogatory information from all Credit reports ASAP. 
Thank you for understanding and consideration of the seriousness of the situation.
Consumer complaint received 2023-05-26
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (IL)

I sent the company a written letter asking them to prove that I owe them this debt. I asked for a list and a wet signature of this debt that I had with them. Instead, they sent me a list from a different debt collector ( XXXX XXXX XXXX ) and a bill from them. They did not send me a signature that I had with them nor that I made this debt with them. I sent them a letter of refusal to pay and asked them to take this debt off my credit report.
Consumer complaint received 2023-05-26
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (KY)

Received a phone call from comenity bank about a XXXX XXXX XXXX card. Ive never shopped at XXXX XXXX XXXX  in my life. Ive recently moved to Kentucky and barely know what this place is. I am told a mechanic service was provided for a car. I only take my vehicle to the dealership. Im not even sure what work was done and no information was provided to me. The initial rep I spoke to was very degrading and nasty to speak too. The rep made me feel like a criminal. Fraud alert has been placed on my credit due to this transaction. I asked if any steps needed to be take on my end and was told no. I then received a letter in the mail with no information, contract, anything. Just denied. I doubt this bank did anything to investigate and refuse to show what information they gained from the investigation. This is not my account and I was not there. I even spoke to the manager that couldnt show I was there either.
Consumer complaint received 2022-11-16
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. (NC)

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 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 2023-05-26
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$5200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Owed : {$5500.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX  Owed : {$200.00} XXXX XXXX XXXX Owed : {$390.00} XXXX XXXX XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX  XXXX XXXXXXXX  XXXX XXXXXXXX  XXXXXXXX XX/XX/XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

There is an INNACURATE reporting on my credit report that is NOT VALID!! A collection account that is listed from XXXX XXXX XXXX is now showing on my report. I am not liable for any debt involving this company as no contract was signed between myself and this company. I am not liable for this debt with XXXX XXXX, as shown on my credit report, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Consumer complaint received 2023-11-22
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. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-26
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

I have a paypal claim for {$270.00} with a banking service ( seller 's bank ) XXXX. I have provided all documents asked for. They refuse to issue a provisional credit, or address that paypals policy is NO MATTER WHAT THE TRANSACTION ISSUE. if a dispute is longer then 10 days, a provisional credit WILL BE given. They've taken 2 smaller disputes I had and provisional credited those, but keep re-directing the question of they're regulation E 10 day policy. My accounts XXXX years old. So it does not give them 20 days, as stated on there policy 's. When I ask about the provisional credit for transaction amount {$270.00}. I was lied to by one supervisor. Swearing he was the best in his department and he'd go ahead and grant the provisional credit that day. That was XXXX  XX/XX/2023It's now day 12 and still nothing. Supervisor i spoke to on XXXX said there was no note of approved provisional credit, and at this stage of claim, the merchant has 15 days to respond. I repeatedly asked about the 10 day provisional credit regulation E policy on there policy page, and rep kept repeating that the merchant has 15 days, and that it very well might state that on there website, but not for this case. She wasn't sure why, but assured me ide have a resolution soon.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (FL)

After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

I have had my account randomly flagged and terminated by robinhood in late XXXX. After a promise to be able to withdraw my funds in 7-10 days I still have no access to this and have been given the run around through email as well as over the phone. I have a medical and dental emergency to pay for and without being able to withdraw my funds I will be struggling to pay for these things