davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

In XXXX of 2023, opt-out notices were sent to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My most recent credit report shows reporting from all of the above listed companies, which is a violation of my rights as a consumer and evidence that the companies have willfully not complied with my requests. Per 16 CFR 313.7 ( e ), I am aware the companies must comply with a consumer 's opt out direction as soon as reasonably practicable after they receive it. There has been ample time to correct this issue. Attached you will find copies of the opt-out notices sent, as well as copies of each company 's disclosure document.
Consumer complaint received 2024-01-21
Product: Credit reporting 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: EQUIFAX, INC. (CA)

Immigrant to country ( Fiance to bride ) with green card but not drivers license or form of employment yet. This company was unable to verify anything without a drivers license, job, etc. 

A letter showing personal identification including government documents was sent directly to this company and yet the only written correspondence every received asked for Paystubs, drivers licence, or other documents which are not available. 

Also note : XXXX and XXXX are currently functional for my name, DOB, SSN, and address but Equifax refuses to correct their records.
Consumer complaint received 2024-01-21
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: EQUIFAX, INC. (FL)

The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXXXXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

I checked my credit report on XX/XX/2024 and I noticed unauthorized inquiries on my behalf. I was a XXXX  of the Equifax data breach and I want all negative items deleted from my credit report immediately. According to FCRA, legally these unverified and unauthorized items MUST be removed immediately!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

THE FOLLOWING NEGATIVE ITEM ( S ) REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VERIFIED NOR WERE PERMIITED BY ME TO BE PLACED ON MY CREDIT REPORT AND I ASK FOR THE IMMEDIATE REMOVAL OF ALL NEGATIVE ITEMS ATTACHED PER THE SUPPORTING DOCUMENT ( S ). ALSO, THE FOLLOWING CONSUMER LAW WAS BROKEN WHEN THE AGENCY FAILED TO VALID OR VERIFY THE XXXX SAID NEGATIVE ITEM ( S ) : 15 USC 1681e ( b )
Consumer complaint received 2023-04-29
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXXXXXX Balance : {$5800.00}
Consumer complaint received 2024-05-01
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)

This is my first 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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 (CA)

Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation of my PayPal account, which I believe has been placed by mistake. My PayPal account email address is XXXX. 

Firstly, I would like to state that I have not violated any PayPal policies, nor have I engaged in any activity that would warrant such a severe penalty. Therefore, I respectfully request that you re-investigate my case to confirm that this limitation was placed in error. 

Furthermore, I would like to emphasize that my PayPal account is crucial for conducting my personal and professional financial transactions. As such, the permanent limitation of my account has had a significant impact on my daily life and business operations. 

In light of the above, I humbly request that PayPal reconsiders its decision and restores my account to full functionality. I believe that a thorough review of my account activity will show that I have always adhered to PayPal 's policies and guidelines, and that there is no justification for the permanent limitation of my account. 

I would appreciate it if you could provide me with a prompt response to my appeal, as I am eager to resolve this matter as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit and Reporting Act, XXXX XXXX XXXX has violated my rights. Under 15 USC Code 1681, Section 602 says I have the right to privacy, 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 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, 15 USC 1681 Section 604A Sec 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only names that should be on my file is XXXX XXXX or XXXX XXXX The only address is my home of 10 plus years XXXX XXXX XXXX XXXX MI and XXXX XXXX XXXX XXXX XXXX mi XXXX. My Identity was stolen still trying to put it all together I made a report with my local PD and and frozen all my credit reports and taking the next steps with my local PD
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX {$150.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

Received a XXXX email saying my purchase was completed although I didnt make a purchase. When I called the number XXXX told me my IP address was public and I was scammed. She then told me to download, I believe XXXX, which I did and then go to Zelle. I made numerous transfers under the belief and instruction from here that I was doing the right thing. This occurred XXXX. The total amount was about {$14000.00}. I kept all of the emails, transactions and phone number to which I spoke. She then told me to go to 1 of a list of stores and call from the parking lot. When I did she told me to go inside and by 4 {$500.00} gift cards and give her the numbers on them. I told her she was scamming me and didnt by the cards. Upon arriving home she called again and said I cold get just 2 cards. I told her no and that I was going to contact the FBI. When I tried contacting the number again it was ( out of service ). I contacted my bank to try to get my money back but was told that because I voluntarily sent the Zelle transfers there was nothing they could do.
Consumer complaint received 2024-05-01
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. (UT)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-01
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. (ND)

Trans Union is reporting an inaccurate and inconsistent information in my credit report. I have disputed the inaccuracy on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Consumer complaint received 2024-01-20
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)

Dispute credit In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ccount 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 or convictions of crimes which antedates the report by more than 7 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 2016-06-22
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I had a mortgage with XXXX that was sold to Nationstar Mortgage back in 2014. I had a loan modification with XXXX, with an agreement to have the Dodd-Frank certification to reduce my mortgage by XXXX per year for paying ontime. Nationstar keeps telling me that they do not have the papr work. I submitted the documents several times. I sent them by certified mail. Sometimes they tell me they have all the documents, then they tell me that they have lost all the paper work. It is frustrating. 
XXXX XXXX
Consumer complaint received 2024-05-01
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
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: Experian Information Solutions Inc. (OH)

On XX/XX/2023, I received an email from Experian stating that my email address for my online account had been changed. I never changed my email, so I emailed Experian as advised to do in the email change notification. The first response I got was asking me for more information in order to help me. I replied with the information requested. Then I eventually never heard anything back. I continued to email in attempt to resolve the issue. Apparently email is the only way to contact experian regarding hacking. They finally replied, and asked me to fax or mail a copy of my drivers license, social security card, and a utility bill to their consumer affairs department. Then they would be able to delete my account so that I could re-register. I wrote back several times and advised that I have been a victim of identify theft and was not comfortable faxing or mailing a copy of my social security card. I didnt want that type of info sitting on a fax machine in Texas with people I dont know. I also didnt want to risk the info getting compromised in the mail. I tried to reason with experian by explaining my hesitation to them. I also explained that it seemed ridiculous for me to have to send all that stuff, when I didnt need it to register, nor did the hacker need it to take control of my account. They still insisted on me sending these documents. I offered to meet them halfway by sending documentation via email with some info censored out ( like the first 6 digits of my social security number ) They wouldnt budge. I told them they had until Friday, XX/XX/XXXX to confirm the account had been closed or I would file a complaint. I have not received any confirmation, so here I am. I do not wish to re-register considering their lack of cyber security and the fact that they want me to send such critical documentation to a fax machine or mailing address, when my account has already been compromised. I just want the account closed and confirmation of the closure sent to the original email on the account.
Consumer complaint received 2023-08-06
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. (NC)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are a total of 15 Hard inquiries on my consumer report that is a result of identity theft. I did not give written permission, consent or instructions for the identified inquiries on my consumer report. I have reasonably cause that the information is inaccurate, and I am demanding that the reporting of this information be blocked and deleted. ( SEE ATTACHMENT )
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

event # 1 : In XXXX I made a payment that was " held '' for 2 weeks. I've never experienced that and they told me it was because it was a new account and wouldn't happen again. As a result I was unable to use the card and it created personal and financial problems as I missed other payments. 

evnet # 2 : I got declined using the card today ( XX/XX/XXXX ) because the payment I made on XX/XX/XXXX was " on hold ''. The credit line is $ XXXX, and I've made {$28000.00} worth of payments and right now the credit limit is {$1500.00} rather than the $ XXXX I was expecting. 

Spoke to an agent, elevated to supervisor and they told me tough luck they can " hold '' my payment up to 24 days, and there was nothing to do and that the earliest it would be released is XX/XX/XXXX. 

I'm financially damaged by all this I feel misled by the first person in XXXX that this wouldn't happen again and I would have changed card companies had I known because I've never experienced this in my life.