davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2020 went to chase bank in XXXX, la to notified them of my mothers death at the time i was added to mothers account on are about XXXX XXXX XXXX XXXX went in to retrieve information on the account but was not allowed to got mad because I XXXX XXXX had already done so so she went and got fake documents letter of possession saying she was the only child and received a cashiers check from savings account for {$21000.00} and another from checking account total of {$9700.00} closing the accounts I returned on or about XXXX XXXX spoke to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, la XXXX and was asked was i aware of her closing theses accounts out which i told her i knew nothing about it so she immedeiately contacted the fraud dept and contacted the corporate office to notify them and nothing was done was told she had the right documents to close the accounts which was not true
Consumer complaint received 2023-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (FL)

In XXXX of XXXX, I was arrested for XXXX  XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was arrested at XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and stealing was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXX bank account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.
Consumer complaint received 2023-11-09
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated (PA)

There are several customer service numbers and not 1 of them has an option to speak to a person. The bill pay option is unavailable and there is no way to transfer money to my bank. I am limited to the amount of money i can withdraw. I can not pay my rent with a card,
Consumer complaint received 2022-10-18
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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, block the noteworthy of any information in my credit record that came about due to 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
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A. (HI)

CFPB : I receive statement monthly for bank but never received XX/XX/XXXX statement but was told account was delinquent and behind. 

However they said they will send statement so I can see charges. 

However we are concern because you recently ruled on a matter, in regards to XXXX XXXX where I was the sole beneficiary of my wife 's account and said a non custodial party was allowed into account.
Consumer complaint received 2023-07-19
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. (NY)

Yesterday, XX/XX/2023, I received an email from XXXX that said that my credit score had decreased by XXXX points. When I logged in to my XXXX account, I was notified that just prior to that score decrease, there were XXXX new notifications regarding my Department of Education/Nelnet accounts XXXX 

One notification said that my CREDIT USAGE increased 145.98 % with the previous limit being {$3900.00} to the new limit of {$18000.00} ( Nelnet ). 

One notification said that my CREDIT LIMIT increased from {$3900.00} to {$18000.00} ( Nelnet ). 

The third notification said that I had a BALANCE INCREASE from {$4600.00} to {$27000.00} ( Nelnet ). 

I have not made any new loans, nor consolidated loans anytime in recent years. 

I called Nelnet to investigate. They said that their reporting style had just changed this month. And that they now report some loans as combined. The customer service agent said that they have done this with the intention to help improve some loan holders credit scores. It seems to have had the opposite effect on my credit score. 

Since there is no real change in my loan accounts except for the way that they are being reported, I believe that XXXX and other credit bureaus should not negatively alter my score. 

Nelnet has suggested that I send a letter to XXXX showing them a summary of my loans. Nelnet calls this a Mortgage Letter because they usually provide this for loan holders who are also seeking mortgages elsewhere. I am attaching this here. 

It shows that the loans are still separate and no change has occurred in their amount or structure and that there are no new loans for years. 

Can you please help me get my XXXX points back? 

Best Regards, XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (GA)

XXXX XXXX XXXX Flat XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/2024 Avant LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX REQUEST FOR 1099c Dear Sir/Madam, I am writing to request a copy of the 1099c form for the debt that I owed to your company, which was charged off. The debt in question is related to account XXXX and was charged off for the outstanding balance.. 

As tax season is wrapping up, I noticed that I have not received the required forms for a reported charge off. It is illegal to withhold a 1099c. When you are the fiduciary you have a responsibility to the trust. If you have submitted a 1099c to charge off the debt on the IRS side but did not supply a copy to me that is willful negligence and you are preventing me from being in compliance with the IRS. If you have not submitted this debt on your profit and loss, then this is considered tax fraud for manipulating the loss with a failure to report. I will exercise my right to use form 3949a information referral & form 211 which is reported to the whistleblower address for the IRS. I will also file a police report and report this to the Secretary of State in which your entity is registered.

It is essential for me to have all the necessary documentation regarding my financial affairs, including the charged-off debt. I understand that it is a requirement that your company file a 1099c form for this debt, and I kindly request your assistance in providing me with a copy of this document. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more. You are blatantly enforcing an alleged debt after you have received a tax benefit from the charge off.

Having the 1099c will enable me to accurately report the charged-off debt on my taxes and ensure compliance with all tax obligations. I would greatly appreciate your prompt attention to this matter and the timely provision of the requested documentation. I need to resolve this matter efficiently and appreciate your cooperation in helping me meet my tax responsibilities.

Thank you for your attention to this request. I look forward to receiving the 1099c for the charged-off debt as soon as possible. 

Sincerely, XXXX : XXXX, XXXX
Consumer complaint received 2023-06-08
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 (FL)

Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation imposed on my newly registered PayPal account. I am a new user on your platform and have not violated any of PayPal 's terms or policies. 

I understand the importance of security measures that PayPal has in place to safeguard its users, and I appreciate your efforts to maintain a secure environment for online transactions. However, I believe that there has been a misunderstanding or an error in the assessment of my account. 

I kindly request a thorough review of my account and a detailed explanation of the reasons behind the blockage and limitation. As a new user, I have not had the opportunity to engage in any transactions or activities that could have warranted such actions. I assure you of my commitment to adhering to PayPal 's rules and regulations. 

To facilitate communication, I would like to provide you with my registered email address associated with the blocked account : XXXX. Please direct any updates or necessary steps to resolve this matter to this email address. 

I am willing to cooperate fully and provide any additional information or documentation that may be required to verify my identity and restore full access to my account. I am eager to resolve this issue promptly and regain the ability to utilize PayPal 's services. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing my appeal and rectifying the situation. Should you require any further information or clarification, please do not hesitate to contact me. 

XXXX XXXX [ Your Full Name ]
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

I deposited my taxes check into the atm of citi bank on XX/XX/XXXX in the amount of {$8300.00} and it got flagged and put as fraud because my husbands name is on the check too which is understandable but they never released the check back to XXXX XXXX XXXX which is who issued the check they said the check was cleared on XX/XX/XXXX but citi bank closed my account do to this check and they are saying theres nothing I can do about this check now
Consumer complaint received 2024-04-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AR)

I received a gift card and I never could use the {$500.00} that was funded. I called the card company, and they said I had to get a replacement card mailed. I still have not received the card.
Consumer complaint received 2020-12-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

I paid off my auto loan with US Bank on XX/XX/2017. US Bank never released the lien with the CA DMV. 

In XXXX when trying to transfer the title while trying to sell the car I discovered that US Bank was still on the title as a lien holder. I am selling the car because I'm moving out of state and can not transport the car myself. On XX/XX/XXXX I requested a lien release letter from US Bank so that I could take care of this with the DMV and assumed that they would electronically communicate with the DMV to release the lien. Upon requesting the letter US Bank informed me that the lien release process would take 3 business days plus delivery time. I then called after 3 business days to make sure the letter had been sent. It had not, at which time they told me it was delayed and expected it would take 7 business days. At 7 business days I called back to check again at which point I was told it was now taking 15 business days. I called back several times after this to see if it could be expedited, but to no avail. On XX/XX/XXXX I scheduled an appointment with a US Bank branch representative XXXX in XXXX CA, who called the office in charge of lien release who relayed the message that the lien release had been sitting around but that they would get to it within 10 business days. 

Because of the almost 4 year delay from US Bank I now have to pay for car transport from California to Texas because I'm unable sell the car which has a lien on the title even though it is paid off in full. I also have the letter from US Bank stating that it is paid off in full.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

Ive explained this to the company numerous times, the loan was in my fathers name he passed away from XXXX there has to be some sort of law in place for this, this I aint supposed to be on my report anyway its older then 2 years, XXXX related death period Im not paying this loan no way no how anyway so!
Consumer complaint received 2023-11-09
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)

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 Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX is reporting a non-existing account to the credit reporting agencies. I do not owe this collection agency ; I have never signed a contract with this collection agency. The collection agency is trying to collect a debt that is over 7 years and 180 days. 
The collection agency is fraudulently trying to collect on a debt that does not exist or belong to me. The collection agency has not supplied the first delinquency date to prove the age of the debt, nor have they provided any of the requested validation of debt information.
Consumer complaint received 2023-11-09
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)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-11-09
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. (GA)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2018-07-06
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 — Was not notified of investigation status or results
Company: Total Card, Inc. (TX)

To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX  THEY ARE IN VIOLATION OF THE FCRA.
Consumer complaint received 2022-10-18
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe liberty mutual a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! I submitted a dispute on the account and submitted the evidence and Transunion finished my dispute within 2 days and stated the items have been verified which is incorrect! How can information be verified in 2 days? This is my credit and my life that is being compromised! I DO NOT OWE XXXX XXXX A DIME!