davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (SC)

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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 or 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 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a letter from the debt collection agency PORTFOLIO RECOVERY ASSOCIATES, LLC stating I owe a debt in the amount of {$3300.00} that was owed to original creditor XXXX XXXX and merchant XXXX in which PORTFOLIO RECOVERY ASSOCIATES, LLC is the current creditor of this debt owed. I did not take out any type of credit with these creditors stated.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been trying to get a modification to an existing mortgage for 3 +  years. Every time I submit the information that they requested, they state that they want additional information. I must have submitted the information at least 10 times. Last week they stated that they had all the information that they needed. Two days later they stated that I had to start over and submit everything again new. I did do that, but they said that they did not have enough time to do the required work. The property is now scheduled for foreclosure sale on XX/XX/2018. This is an example of the worst customer service I have ever seen.I now am working and could afford to make the mortgage payments, but they are not offering me that option. Please help. I have attached a document that shows the fax 's I have submitted. This is only the top page of 5 pages of faxes.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-07-14
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-15
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. (MD)

I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

XXXX, Equifax and XXXX will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This is a blatant example of false, inaccurate, and scandalous credit reporting by a major XXXX XXXXXXXX XXXX. USAA FSB is reporting this account # XXXX is associated with my Chapter XXXX bankruptcy. This a patently untrue and false. This account was " Paid-in-Full '' more than a year prior to my filing Chapter XXXX. This account was paid-in-full on XX/XX/XXXX and I filed for Chapter XXXX on XX/XX/XXXX. Yet USAA has somehow misconstrued it's credit reporting by stating this account was included in a Chapter XXXX proceeding. Furthermore, USAA is stating on my credit report that this account is " Derogatory '' and in " Payment Plan ''. This false reporting is directly harming my credit rating. Please note that I paid all my creditors in full and exited Chapter XXXX in 2 1/2 years.
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (PA)

This is to let you know that these accounts below have long been removed and deleted from the XXXX Credit Bureau. This has been reported and verified as an inaccurate and incorrect item, so please remove these immediately. 

XXXXXXXX XXXX XXXXAccount # : XXXX XXXXXXXX XXXX XXXXAccount # : XXXX
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (NJ)

A XXXX store credit card was opened in my name without my knowledge. The purchased item was well over XXXX XXXX dollars. I believe this incident happened in or around XXXX or XXXX.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' Equifax and XXXX incorrectly continue to report the account as " Open ''.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-05-27
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. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-11-15
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. (FL)

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX
Consumer complaint received 2023-04-12
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. (PA)

I have disputed this account ( XXXX XXXX ) multiple times & Experian has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Experian or XXXX proving that this account is mine. This is illegal!
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified account indicated below continues 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a letter in the mail from JP Morgan Chase Bank on XX/XX/XXXX stating they were closing my checking account that I have had since XXXX. The letter was dated XX/XX/XXXX and states that my account will be closed on XX/XX/XXXX ( 3 weeks approximately ). 

There is no reason why. I called the number listed on the letter XXXX and they do not know the reason either. I went to the branch and they also have no idea why. 

In the past 44 years with Chase I have never had any issues. I don't overdraw, I keep money in the bank. I am the most normal, follow the rules person you could ever meet. And I can not think of ANY reason why Chase is closing my account.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 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 2024-07-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc. (CO)

Dear, I am writing to file a formal complaint against Square regarding their handling of my credit card payment transactions. My business uses Square to process credit card payments, and I have encountered a significant issue that remains unresolved despite my numerous attempts to address it with their customer support team.

Specifically, Square has withheld {$3100.00} from my account without any clear reason or prior notice. These funds were payments made by my customers for goods that have already been delivered. Despite the successful completion of these transactions, Square has held onto my funds for over 180 days.

I have contacted Square 's customer support multiple times to resolve this issue. However, their representatives have failed to provide a valid reason for withholding my funds and have stated that they have the right to hold my money indefinitely. This indefinite hold on my funds is unjust and has severely impacted my business operations. 

I am seeking the immediate release of the {$3100.00} that Square has unjustly withheld. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Square returns my funds promptly. 

Thank you for your attention to this serious matter. I appreciate your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-07-14
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I purchase a tv in XXXX. The night before going to the store, I activated a XXXX  % rewards back that was sent to me as a credit card holder ( photo attached ). I wanted to be sure that was on there for future purchases ( aka a laptop and tv I had been eyeing ). The next day I go to the store, a rep helps me with getting my tv and is talking to me trying to upsell me on other things even as we get to the cash register its so distracting that I accidentally select the wrong radio button and choose XXXX  month financing instead I tell him we need to cancel and do over and he says dont worry I can call Best Buy card services on the back of the card to have them switch it to the XXXX % rewards. He loads my tv and I leave. This was on a Sunday. Credit card services office was closed so I called Monday and they told me they could not do what the rep said and I will have to go back to the XXXX XXXX in XXXX. So I go back to the store and talk the the manager XXXX, who is now the general manager and tell him what happen on the previous Sunday with the rep, show my receipt, the screenshot of me activating the XXXX  % rewards offer, and he says he cant switch it, he did not offer a gift card for the XXXX  % on the previous purchase. He simple stated he didnt know why credit card services sent there but he stated he would give me 10 % off my next purchase. I was like how do I know youll be hear and how do I know you wont follow through on your promise. He told he wasnt that type of guy- he was not like that. I told him great because I had been eyeing an XXXX laptop and needed a new refrigerator. I showed him the laptop. He started talking to me about the membership plan and no point did he say when I came back he would not be able to discount my purchase if XXXX was included. Fast forward, I show up today XXXX and one he is not at the store and when I asked can he contact me because he made the promise to me and Best Buy has promotions that are ending today- he refused to call saying he is spending time with his family. Like I understand but this is a one case and the other manager on duty didnt know what was going on and was unhelpful and borderline argumentative. It was such a bad customer experience and managers should be held to a higher standard and just know better and follow through when they say they will do something.
Consumer complaint received 2023-11-15
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: 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 accounts ( 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
Consumer complaint received 2020-07-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TN)

Hello I humble myself to make a request for deleted payment. I have been a loyal client and have over 50 credit account most of which were revolving accounts 40 plus of them. I humble myself to ask after making attempts in the past to have the company forgive my one or two maXXXX late payments. Im asking if you could intervene on my behalf.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

Discover put a large charge on my card, and sent me a message right away that they had approved it. I responded within minutes that this was not a legitimate purchase, then reviewed my card and listed several other recent charges that were not mine. At first that was all fine. They took that off the account, I paid my legit balance, and never used to fraudulent card again. 

I then saw them put through a charge for something I had cancelled, I made them aware and they did nothing to correct the situation on the supposed closed fraudulent account. 

Today I was checking my credit report and see that they have put back the charges that I did not make. 

I want this card closed permanently and for them to removed the fraudulent charges as they originaly had. There is zero legitimate proof of these transaction possible as I am the only holder, and I never made them. The one for more than XXXX I was sitting on my couch when they notified me they had just approved it. Physically impossible- and the others were just ridiculous.