davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It indicates that my credit report has been corrupted. I was looking over my records once more when I discovered many items that did not belong to me. Since I'm a stickler for details, I discovered that under section 605b of the FCRA, you are required by law to remove and prohibit any things that are discovered to have been opened as a result of identity theft. I do not own the objects in the dispute. I have sent the FTC Report that you need ( found through additional research that both parties requested ). Please block or delete these files. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: L.B.Gray LLC A Debt Collection Agency (VA)

I rented an apartment at XXXX XXXX XXXX FOR XXXX  MONTHS NEVER LATE BUT I HAVE HAD XXXX SUPPORT FROM MANAGEMENT FOR MY SAFETY-ASKED UPSTAIRS NEIGHBOR TO TURN MUSIC DOWN HE CAME TO MY APATMENT WITH HIS XXXX CALLED THE POLICE NOTING HAPPEN MUSIC STILL LOUD I AM A XXXX PATIENT STRANGERS SLEEPING IN THE HALLWAYS EVERY PROBLEM I WOULD LET MANAGER AWARE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OTHER PEOPLE WOULD PARK IN MY SPOT WOULD GET THEM TOWED BUT I DID NOT WANT ANY EMIMIES, I SENT THIS INFO TO MY LAWYER AND THERE IS A CLAUSE IN RENTAL AGREEMENT THE MANAGMENT DID IGNOR I HAD TO LEAVE I WAS SCARED THEY HAD XXXX  XXXX, XXXX XXXX NO ONE DID ANYTHING AFTER XXXX MEN SLEEPING INFRONT OF MY APARTMENT DOOR I HAD TO PUT A CHAIR IN FRONT OF MY DOOR FROM THE INSIDE OF APT.ICALLED FOR A SERVICE CALL FOR MY FURNACE ALOT  OF MOLD MAINTANCE MANSAID TO KEEP CLOSET DOOR CLOSED I COULD NOT DEAL WITH PEOPLE BANGING ALL HOURS OF THE NIGHT SO I LEFT THE APARTMENT. WITH NOTICE TO OFFICE.I TOLD OFFICE ALL PARKING LIGHTS ARE OUT NOTHING NEVER REPLACED LIGHT BULBS,
Consumer complaint received 2023-12-15
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone sent me a link and got into my bank of America account and transfered out {$1600.00} into there account i called bank of America to try to stop the transfer they said they couldn't and just filed the dispute for me instead of stoping the transfer or reverseing it back.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I have giving you written unwritten verbal and non verbal per 15 U.S.C.6802
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (CA)

The XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX was canceled it was for my niece once she was unable to go I canceled and then this appeared on my credit report. They also illegally obtained my social security number because I didnt give it when I signed up for my niece we were both actually underage at the time I was XXXX and she was about XXXX or XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX and XX/XX/2023, there were two unauthorized transactions made using my PayPal Debit card. One for {$520.00} and the other for {$1300.00}. According to PayPal, these purchases were made in the XXXX and in XXXX ( or some country that sounds like that ). I was never notified by Mastercard nor XXXX, the two entities that provide the Debit card that suspicious charges were being made. I did notice " pending '' purchases at " retail '' stores on my PayPal account that I did not make, those being the totals provided above. Once I called PayPal to investigate, they took my info and told me that an answer would be received in my " resolution center '' section of my account. After a few days, I noticed that PayPal had found in favor of the " Seller '', so the scammer got their goods and I am not getting my money back. I asked that the issue be escalated, and it was. I was then told that the charges were deemed by PayPal to be " authorized '' because the scammer using my card number had my " 3 digits on the back ''. I told the agent at PayPal that the card is in my pocket, and there is only one. Obviously, the card had been skimmed and these purchases were made XXXX in two different countries in STORES. They said they would look into again, and once more, they kept my money, insisting the charges were " authorized ''. Of course, I in no way every authorized these charges and was totally robbed by entities that obviously had stolen my Mastercard Debit numbers, front and back. This is a lot of money, which was part of my payroll at that time. I have the documentation from the PayPal website as well. This is an unfair business practice, as I am a victim of someone stealing my Debit card information, and PayPal is just telling me that they charges were " authorized '' and to date, I have lost my {$1900.00}.
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. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX, TRANSUNION AND XXXX ARE reporting late payments on multiple accounts ( XXXX  XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, TRANSUNION AND XXXX OR XXXX XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

XXXX, XXXX, TRANSUNION AND XXXX XXXX ARE IN VIOLATION OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-05-10
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. (AZ)

I have called this company numerous times. They have affirmed that they will remove the negative information as my acount XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) was paid in full on XXXX and XXXX of 2023. They send me a letter stating that a letter was send to all bureaus to have this corrected. However, its XX/XX/2023. My credit has been affected drastically by an account that should be reporting positive. I will upload the letter and proof of a check they send me as when I paid the full amount there was a change of XXXX cents. Please remove XXXX and XXXX late payments. As there was never a late payment as the acount was already closed. I decided to pay the charge off and it looks like it has affected me worst. Please fix this immediately
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid a loan off that was taken out through my credit union at the beginning of the year and all three credit companies are reporting that I still have a balance. I received a response back saying they reviewed it and no changes were made. There is also a energy company that I've disputed several times because I have never had service with them nor have I ever lived at the address they are saying the service was. They have added a note to my report saying I have disputed this information
Consumer complaint received 2024-03-21
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. (IL)

According to 15 U.S. Code 1681c2, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

On XX/XX/XXXX, I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my XXXX demand for removal. If not corrected, the next step will be legal action. 

Remove and block the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove and block the following collections : Account name - XXXX XXXX XXXX Account number - XXXX Recent balance - {$10000.00} as of XX/XX/XXXX Date opened - XX/XX/XXXX Status - Collection account. {$10000.00} past due as of XX/XX/XXXX. 

Account name - XXXX XXXX XXXX XXXX  Account number - XXXX Recent balance - {$550.00} as of XX/XX/XXXX Date opened - XX/XX/XXXX Account name - XXXX XXXX Account number - XXXX Recent balance- Not reported Date opened - XX/XX/XXXX Status - Transferred, closed. {$25000.00} written off. 

Remove and block the following accounts : XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - AMOUNT XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXX  XXXX - OPENED XX/XX/XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX  - OPENED XX/XX/XXXX - XXXX
Consumer complaint received 2023-12-15
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: MARINER FINANCE, LLC (TX)

I sent a letter to Mariner Finance 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/23, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/2023 informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against Mariner Finance for clear and apparent negligence, FCRA violations, and the XXXX XXXX caused by the serious financial problems and distress resulting from these inaccuracies.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (MD)

I reached out to this company XXXX, XXXXXXXX  and requesting a hardship due to my finances while unemployed. I requested them to allow me to settle my account balance for a lesser amount to no avail. I asked for a settlement. I then received an email that stated the below. On XX/XX/XXXX  I called them to accept the offer thinking the payments could be broken down, and they stated no that the entire offer amount had to be paid by XX/XX/. Due to my hardship I was unable to afford that. I need assistance getting them to allow me to settle and close this account asap. They have added alot of additional fees to my balance owed as well. Thank you! 

We know times are hard, and we want to help! You have been selected to reduce your debt by calling XXXX and accepting this settlement offer. This offer saves you {$540.00} by settling the full {$1000.00} balance with a one-time payment of {$540.00}.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (IL)

I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL XXXX Assistance XXXX ( XXXX ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX  on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I urge you to swiftly rectify this error on my credit report. I confirm that I did not consent to the existence or utilization of this account and have enclosed supporting documentation.

I formally request the removal of this inaccurate account from my credit report, as I did not authorize its establishment or utilization.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE CORPORATION (FL)

We were scammed {$1400.00} when trying to buy XXXX XXXX  XXXX. We used my bank SouthState Bank and used XXXX to transfer the money. I made a claim with my bank to try to get the money back and they denied the claim. The bank said since it was peer to peer transaction that they couldnt do anything. I went through my mobile banking app to transfer the money, XXXX doesnt have a fraud department neither.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (MA)

I have no knowledge of this collection account that is reporting on my credit report im a victim of identity theif .Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Consumer complaint received 2023-09-10
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AL)

In accordance with the Fair Credit Reporting Act COMENITY CAPITAL BANK/ULTAMC XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 2023-05-12
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: CLGF Holdco 1, LLC (TN)

I did not open a new account on XX/XX/XXXX with anybody. A new account was opened up called Feb Retail and I have never ever heard of these people. Please help me get rid of this. I have no way of contacting them because I don't know them or where this account came from. It is showing i. My Credit Report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I would like these XXXX items removed off all three of my credit bureras because this is hurting my credit score. Please remove these items off my credit report ASAP! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$21000.00} Acct Number XXXX XXXX XXXX  date opened XX/XX/XXXX highest balance {$320.00} acct XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (CA)

I was a Bank of the West customer, which merged into BMO. I had a person XXXX me money using my mobile number. Previously I have used XXXX with another financial institution which I have not had for a year as well as with Bank of the West. When I received the XXXX payment on XX/XX/2023 at around XXXX I got a text message to enroll with XXXX through my financial institution. I went on the BMO website and enrolled with XXXX through BMO. I received an email from BMO welcoming me to XXXX. On the BMO website meanwhile I was given an error, that my phone number was previously used at another financial institution and therefore I can not use it with XXXX on BMO. I contacted BMO support they told me there is nothing they can do without previous institution releasing my phone number or " token '' from XXXX. I contacted my previous financial institution. They told me my phone number had no XXXX profile with them. They gave me XXXX 's customer service info. I contacted XXXX customer service. They told me my phone number was not associated with any kind of XXXX profile and I was free to use it with any institution I wanted. I contacted BMO again to let them know of this information. They told me there is nothing they can do, that I should register a new phone number ( I only have a single phone number ) and then have the person re-zelle me with this new telephone number. They hung up on me multiple times after I told this this was not a possible option. My transaction is now sitting in XXXX waiting to be claimed. BMO will not do anything about it, meanwhile XXXX is saying that this phone is free to be claimed.