davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-25
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. (TX)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

On XX/XX/XXXX, I logged into my savings account with the mobile bank XXXX. I currently have {$1100.00} in the account. The app told me that my account was restricted for a fraud investigation. I was given no other information, than to text the company during business hours. When I messaged the company again, a representative reached out and essentially said that the account will be frozen until they finish their investigation. After I searched online to see if this was a common problem, it seems the bank regularly freezes funds without proper reason, or way to unfreeze. I was unable to pay rent this month, and had to take money from other accounts to pay because I had no access to my money. XXXX will not allow me to screenshot their communications in the app.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I opened a Bank of America rewards credit card on XX/XX/2023 because they offered a XXXX XXXX  bonus if {$1000.00} was spent within 90 days. I spent the {$1000.00} dollars and my billing cycle ended on XX/XX/2023. On XX/XX/2023 the bank closed my credit card for no reason. 

This company is notorious for issues with their rewards, and I was unaware of this until after they have done this and I looked up the issue. 

Their decison to close my account because I earned my rewards was to attempt to try and prevent the rewards from being used, as their contract says all rewards are lost upon closure of the account for any other reason than owner request or due to inactivity.. Luckily, I had already used my rewards before they had closed the account. 

However, this attempt to not pay the rewards is going to severely affect my credit score. As my FICO score is currently XXXX and the remaining ~ {$3000.00} dollars on the BoA credit card was counted as " unused credit '' for purposes of my " credit usage '' calculation. 

It is likely that this unlawful and deceptive action of closing my account in an attempt to withold the rewards will decrease my credit score by more than XXXX  points.
Consumer complaint received 2023-12-29
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. (TX)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-29
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. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (MD)

In XX/XX/2023 basically I had contacted truest and reference to I had a financial hardship and I needed to get some of my payments pushed to the end of the loan they agreed to do it but I could pay XXXX so I told the associate at the time because I had to file a complaint to you guys then I told them that I could pay XXXX but XXXX XXXX and XXXX I couldn't pay so she agreed to give it to me that you know I paid them fine so moving forward in XXXX like I agreed when the payments resumed I end up paying them two payments for XXXX and XXXX I paid like the XXXX of XXXX and like the XXXX of XXXX what they did was and they refuse to fix this and I'll give him fix my account or calling me I have spoke to several different people you can see this a lot of red like evidence on my account with basically they have credited my account several different times but yet they still saying that I owe them for XXXX and XXXX to payments and like I told them y'all basically took all two payments XXXX  XXXX payment and then just took the other whole almost {$900.00} it was {$840.00} something dollars they took it for just interest and it wasn't right people do not have money that's like that and you shouldn't be taking people 's money like that and then refuse to fix it and then have all these people including supervisors see what's going on and say they will fix it but they refuse to fix it people do not have money like that that's why I was in the hardship I don't have money to just give somebody and now they're trying to say that we owe two payments
Consumer complaint received 2024-06-28
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (CA)

I have a mortgage with a company called NEWREZ-SHELLPOINT. 

On XX/XX/year> they made a double payment draft of amount {$2500.00}. I have emailed them twice about returning one payment to my account. I have called them multiple times and got a different response from their agents. 

I have attached a copy of the transactions and an email correspondence from them admitting to the double payment draft.
Consumer complaint received 2023-11-03
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of inquiries below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the FCRA inquiries are not a matter of fact, you are obligated to verify the information or not reported to your users. Please prove that the creditors has my signature requesting these unauthorized inquiries, or if this is impossible, or unverifiable remove them immediately. Per FCRA 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I used the USAA XXXX XXXX XXXX to book a rental car on XXXX XX/XX/2023 for a trip to XXXX, RI from XXXX XX/XX/2023. The total charge was {$590.00}. 

The rental was fully cancelled on XXXX XX/XX/2023 with USAA, XXXX days prior to the start date of the rental and well prior to the final date allowed for the rental cancellation. 

Upon return from the trip, the rental car charges were still showing on my USAA credit card account ending in XXXX and I placed a dispute with USAA. A temporary credit was posted to my credit card account and was later reversed on XXXX XX/XX/2023. 

Multiple calls and letters have been filed with USAA over a XXXX period to get the charge reversed to no avail, with the last request submitted to USAA on XXXX XX/XX/2023.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my third 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, block 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
Consumer complaint received 2023-12-29
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-12-29
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hi there, The company Im having trouble with is PayPal. I had transferred money from my PayPal account into what I believed to be my XXXX XXXX account, however, when the transfer didnt appear on my statement, I realized the account associated with my PayPal account didnt match the last XXXX digits of either my XXXX XXXX checking account nor my savings account. I immediately contacted both my bank and PayPal. XXXX XXXX has no record of an account ending in XXXX under my name. Ive asked them probably 6 or 7 times now to double and triple check. PayPal told me this XXXX account had been attached to my paypal since 2015, however this is still inconsistent with what XXXX XXXX sees on their end. Ive asked PayPal for two separate investigationsthe first one, they merely informed me that the transactions were legitimate ; this was unhelpful considering that the transactions were not the issue. My concern was with the potentially fraudulent bank account the money had been transferred to. I then spoke to a supervisor at PayPal asking them to investigate again, and to get in contact with XXXX XXXX directly. They got back to me the next day informing me that the transfers had been successful. If this is, indeed, a fraudulent account, Im sure it wouldve been transferred successfullyinto someone elses pocket. I would love to resolve thisI just dont know how. XXXX XXXX has assured me this account doesnt exist under my name and I dont feel I am being taken seriously at PayPal. For your information, the transfers in question are one for {$220.00} and the other is for {$460.00}. I sincerely hope you can help me with this issue. Thank you!
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

XX/XX/2023 I'd contact the property manager at XXXX XXXX XXXX, 2nd attempt to gain insight. I left my information for someone to contact me. I spoke with a general manager gave him my social and name he confirmed that I never lived at that residence nor have I applied. 

The amount that is owed {$9700.00}, I've contacted the collection agency as well to ask them for proof, I did not receive any information. 

I would like this removed from credit report.
Consumer complaint received 2023-11-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy, 15 U.S.C, 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XXXX is reporting a delinquency from Portfolio Recovery. The first day of delinquency is incorrect. The information is old and should be removed, however XXXX system will not allow me to dispute it. Portfolio Recovery has not removed it.
Consumer complaint received 2023-08-22
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: Self Financial Inc. (TX)

RE : The response that I received to the previous complaint does not show how and what means you used to validate that all data being reported on my consumer report is accurate, and complete. How was the investigation done, who signed off on authorization that information is accurate, and complete. Please validate all information and produce all files used. In your response letter you never addressed the inaccurate, incomplete information that is being reported on my consumer file. Please address that immediately. You are willfully, and knowingly violating my rights. 
I expect there to be an answer to why there is 3 different Date Of Last Activity being furnished to my report from your company. You are not reporting within the rights of the FCRA. This is also not MAXIMUM ACCURACY. In the previous complaint I provided copies, and pics of consumer reports with evidence of inaccurate, incomplete data, and information. 

I have included a copy of your response letter, which is alot of mumbo jumbo .The truth of the matter is there are inaccuracies, and incomplete information on my file that your company furnished. Your company needs to remedy and rectify this immediately. Your company is willfully violating the FCRA.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I was making a deposit of {$120.00} for a work deposit only card at a Bank of America ATM ID : XXXX. The machine took my cash, attempted to count it, did not work and returned my cash but only {$60.00} of it. The machine then closed the desposit slot, continued to tell me to wait, nothing ever happened and it then gave me my card back and then displayed a warning that said not taking deposits at this time. The phone number on the machine did not help and tell me to wait for business hours at XXXX XXXX Saturday I believe, but that is XXXX hours from now and I need to ensure I have my whole {$120.00} back, but I only have {$60.00} of it.
Consumer complaint received 2023-08-02
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: TD BANK US HOLDING COMPANY (FL)

Today XX/XX/2023 I received an alert that someone has applied for a credit under my name with TD Card Service so a hard inquiry it was placed on my credit report, i did not authorized any application or nether i did any application with TB Bank Credit service, so I believe my information it s been used fraudulent.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  - XXXX XXXX XXXX Equifax XXXX : Unauthorized Use of Credit Information-Resulting from Identity Theft due to an illegally issued false Evivtion while in Hospital with Theft of Property and all personal belongings : Debit Cards Bank Statements Credit Cards Cash Funds Checks Money Order Receipts Billing Statements Laptops And All Personal Documents and Belongings XXXX XXXX XXXX XXXX Caused Damages and Undue Hardship XXXX to Current. 
ID Theft Victim : XXXX XXXX XXXX XXXX Reconciliation Requested. 
Reimbursements Refunds and Claim Disbursements via Mailed Check to Consumer. 

XXXX XXXX XXXX XXXX Collection Account : XXXX {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery XXXX Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds : XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts XXXX ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while Hospitalized. 

Balance XXXX : {$0.00} Delete from Credit Files . 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts. 

Equifax : Debts not owed -ID Theft Block and Account Record for Deletion Total Installment {$28.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX XXXX {$2900.00} XXXX XXXX {$2200.00} Equifax Report XXXX XXXX XXXX XXXX XXXXdentity Theft Reported Inaccuracies : XXXX XXXX XXXX {$2200.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX Credit Report : Credit Collection - {$2200.00} XXXX XXXX - {$130.00} XXXX XXXX XXXX. {$350.00} XXXX {$12000.00} XXXX ID Theft Disputed ID Block Collection Accounts : XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$350.00} XXXX XXXX XXXX XXXX {$12000.00}
Consumer complaint received 2023-12-29
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 repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  AND XXXX XXXX Balance Owed : {$460.00} XXXX XXXX ( Original Creditor : XXXX  XXXX IN. COMPANY ) XXXX Balance Owed : {$90.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (MD)

Hi, i bank with Robinhood and keep most of my money in my checking account with them and recently Ive just gotten paid from work via direct deposit only to wake up the next day to see my whole check has been taken and transfer to a betting app called XXXX. I did not approve this transaction and i dont know it happened but when trying to file a dispute Robinhood is not allowing me and i dont know to contact them everything Ive tried doesnt work. Please help i really need my money its the beginning of the month and i do have bills to pay so please help.