davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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)

XXXX XXXX XXXX : XXXX I asked all three credit bureaus on XXXX different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

Experian- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX is reporting the collection account as a collection, last active date XX/XX/XXXX XXXX- Is reporting the collection account as open with a past due balance and balance, payment status Late XXXX  days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

There are numerous of charges that have been assessed to my checking account that I did not that I did not authorize I have contacted a bank and I have to have let them know about these charges and as of today that has not been any resolution There have been a few shots There a few items that have been returned back to me saying that they found no error One of them is with XXXX so the charges equal up to almost {$1000.00} where someone use my card or use my information I don't know how they did it and went in back to back on one day and charged up {$1000.00} almost {$1000.00} worth of merchandise at the same store It was not me I would never have went into XXXX and charged me before {$400.00} charge of {$150000.00} I wouldn't have never done that at the same store in one dayI was in XXXX shopping 4 days prior to these charges taking place and and purchased {$1200.00} worth of items because I didn't dispute all the items on my credit on my statement they are saying that they refuse to refund me back the items that would were were placed on my account that were fraudulent and not me there are other charges that are to my account that I am still waiting for resolution for one charge is for {$44000.00} which was supposed to be one transaction well this was not one transaction this was two transactions and they should have been reported separatelyOne for {$33000.00} XXXX There's {$170.00} that is missing that is unaccounted for I would like that money backI would just like for my bank to be transparent and their reviews I've asked for reports of information that was finding and I still have not received those reports as of todayThat was that would put me as the person who has made these charges There's a charge for {$180.00} from XXXX  This is not this is not my charge It isn't even a part of my XXXX account and I've asked for that money back alsoI have no access to my online account nor am I receiving statements through emailmonthly because I don't have access to my online account the statements that they do send I'm unable to view because I can not get on my online account which I've explained that to them therefore I am unable to check my statements regularly to see if there's any kind of activity going on that I am unaware of I think that is unfair I should be able to get access to my statements monthly so that I can monitor my account and be able to stay on top of it also I have been assessed fees when I'm using the bank branch ATM machines I want that money return back to my account
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

Venmo... .received XXXX payment and in the comments it said for washer and dryer which was a personal washer and dryer. Venmo then proceeded to freeze account saying I violated some rule. I have provided all paper work and items requested and have since frozen PayPal account saying I needed to pay that account off in order to access the XXXX plus dollars in the venmo account. I have sent demand letter already with only response being that I can not have my money and have permanently closed my accounts
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DK, Consulting, Inc dba Huntington Financial Services (PA)

XXXX called me stating that I had a balance due. I tried to work when him. When I asked him to confirm where he was calling from and all the information to be emailed since I was uncomfortable giving my card info over the phone. He then told be that he would not settles with an agreement with me and told me that he will start the legal process to sue me. I told him I am trying to work with him and he starting cursing me and going back and forth then he informed me that he will see me in court.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
I pulled up my report from Transunion and discovered there several had inquires, that I have never authorized. They are result of fraud activity. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
these are items that must be deleted from my report as a fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have included for support my statement : copy of FTC report, SSN card, proof of address, copy of ID.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in Last fewdays i submitted the request of the following fraudulent items to be removed from the Credit report. XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX TRANSUNION : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. Remove ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE LATE PAYMENT ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage , LLC has continued to state that XXXX is the owner of my mortgage loan. I am unclear as to the terminology which is being used in this statement because, XXXX ca n't be the owner of my mortgage, unless the promissory note was properly delivered to the trust by the cutoff dates that the trust could accept assets. If XXXX owns the mortgage or the note please provide the requisite chain of assignments from the originator to the sponsor who organized the securitization of the mortgage, to the depositor and then to the trustee. Please provide the delivery and acceptance receipt to document the transfer and delivery of the note from the originator, to the sponsor, from the sponsor to the depositor and from the depositor to the trust. Furthermore, I am disputing the promissory note as being the original note because a copy of the note can be copied multiple times. I want a color copy of the note, front and back and will not accept anything less.
Consumer complaint received 2023-06-19
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. (MA)

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 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 2022-11-02
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: EQUIFAX, INC. (CA)

Theres a collection reporting on my report, I have attempted to reach out to solve matter as I have no knowledge of this, I have also submitted a complaint towards the collection agency reporting as I have no knowledge of this nor do I know how this came about. Please remove this information. On one hand in the equidad website it shows there are no collections whereas in XXXX XXXX under equidad it is reflecting a collection.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

My child use my card at a corner store on XX/XX/XXXX at XXXX and was charged {$190.00} which was the wrong amount. Ive made several attempts to resolve the matter with the merchant, and credit card company.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MO)

On XX/XX/XXXX my XXXX XXXX XXXX was stolen, the insurance company deemed it a total loss because the vehicle was never recovered. I continued to make my car payment to satisfy the terms of the loan to GM FINANCIAL. The XXXX XXXX XXXX ( customer service in Total Loss ) told me that if the account is late XXXX  days OR more that's when they report to the credit bureaus. They also informed me that the payment has to be made before the XXXX days time frame and before XXXX central standard time. I called GM FINANCIAL on XX/XX/XXXX and i spoke with the XXXX XXXX XXXX XXXX XXXX XXXX, the representative assured me if i made payment by the XXXX of XXXX I would be in good standing and it would not report to the credit bureau. On XX/XX/XXXX I called them back before I made my payment and the Customer service representative told me that my account showed XXXX  day past due and yet again assured me as long as I made my payment on the that day, it would not report as XXXX  days past due to the credit bureau. She in fact assured me of this, so i made my payment on that date ( XX/XX/XXXX ) rite after i got off the phone with her. I made my payment before the XXXX days. Weeks later I got a notification sent to my email that my credit score took a dramatic hit of XXXX points. I immediately contacted them at Gm financial and I told them I paid before the XXXX days and the representative assured me that it wouldn't affect my score and they even had record of the representative i talked to that day because she made a note of it in the system. I asked them for that documentation and they told me they couldn't give it to me. I have been calling and calling and everyone there is giving me the run around there and I just want them to remove it from my report because they gave me the wrong information and if i was given to correct information i wouldn't be in this situation i would have paid it the first day I called and spoke to them on the XXXX of XXXX. I feel like its unfair because I trusted them and they failed me as the consumer.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. REMOVE INSTEAD ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. REMOVE INSTEAD ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-14
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)

I am taking action against the US Department of Education for incorrect information reported to my credit report since XX/XX/2019. Despite several attempts to dispute this since then, I have yet to receive any resolution. This has caused me to suffer financially, as I have been denied credit, charged a higher interest rate, and prevented from buying a home. I have also attempted to dispute this with the three major credit bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-08-14
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. (FL)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2023-08-14
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. (GA)

This is my 13th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 at around XXXXXXXX XXXX  I deposited {$300.00} into my Bank of America account and the funds were not credited nor was there a record of my funds, I filed a claim with them and they have no record of the deposit, I am requesting the XXXX XXXX to check the camera on around XXXX on XX/XX/2022. I deposited the cash with atm ID : XXXX I am also requesting the CFPB do an internal investigation on this bank and the deposits at the time and date stated.