davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2023, I received a notification from XXXX XXXX that I needed to give attention to my XXXX account on my credit profile. When reviewing my Transunion report, it showed XX/XX/2023 payment as missed when indeed I made this payment XX/XX/2023 ( see receipt attached ). The report also show my last payment reported was XX/XX/2023 and current but reporting one 30 day missed payment. XXXX is showing XX/XX/2023 payment missed as well but current status. I'm not sure why this discrepancy keeps happening but I need both bureaus to resolve this matter quickly.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AZ)

Company advised me that they closed my accounts due to a XXXX XXXX bankruptcy, however, I have never filed for bankruptcy. There isn't a record of bankruptcy that is associated with my name or social security.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from Chase Bank, datedXX/XX/XXXX This is not my inquiry, I did not apply for any account with Chase, nor did I authorize them to pull, my credit.

XXXX XXXX XXXX, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit payments, over the phone and I decided to call XXXX XXXX XXXX  on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called XXXX XXXX XXXX  two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and XXXX   placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction.

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file isXX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month ofXX/XX/XXXX? If I made the last payment onXX/XX/XXXXand it XXXX out the balance. How can I be late on the payment, for the month ofXX/XX/XXXX. This is a error and I would like it removed off of my credit file.
Consumer complaint received 2023-01-04
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)

My personal and private information was stolen. Two of my credit cards were stolen by a perpetrator pretending to be me. This perpetrator maxed out both of my cards and left me with XXXX  of dollars in debt and a very low credit score. The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC (IN)

I the consumer and natural person was denied line of credit by Global Lending when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent 1/3/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Global Lending. If Global Lending fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Global Lending criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.
Consumer complaint received 2023-02-13
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: ALLY FINANCIAL INC. (NY)

In accordance with the Fair Credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-14
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. (MA)

The hard inquiries detailed below are a violation of my rights, since they were done without my consent, I sent a letter of good will requesting that this incorrect information be removed and without my authorization from my credit report. to which they refused. 
XXXX inquiry from XX/XX/XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXXXXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX Inquiry from XXXX XXXX. I dont recognize. 
XXXX XXXX XXXX Inquiry from XXXX XXXX I dont recognize.
Consumer complaint received 2023-02-13
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. (NY)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-13
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. (NY)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through Santander. On XX/XX/XXXX a XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, Santander was notified and XXXX insurance sent a check to Santander for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that Santander put {$23000.00}. I called Santander and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for XXXX years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by XXXX  that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.
Consumer complaint received 2021-04-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reviewed a copy of my credit report and I sent there is a collection items listed that I am not aware of. I attempted to contact collection company and request verification and recieved nothing back. I understand is this a violation of FDCPA and to have account deleted.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MPOWER Financing, Public Benefit Corporation ()

I received two e-mails from MPOWER Customers namely : 1. MPOWER Customer Success Team on Thu, XX/XX/XXXX Subject : We are sorry, your loan application was not approved Thank you for considering MPOWER Financing for your student loan needs. We have carefully reviewed your application. Unfortunately, we are unable to grant your request at this time for a full or partial amount. 
2. MPOWER Customer Relations Team on Fri, XX/XX/XXXX Subject : Upload Your Documents for a Final Loan Decision Congratulations! You've successfully started your document submission for your conditionally approved loan application. All we need to make a final loan decision are these documents, and you're almost done : One reference and completion of the introductory quiz on student financing The reason for refusal is Delinquent past or present credit obligations with others. 
I need clarity from the consumer reporting agency ( or agencies ) listed in the attached letter that may have provided information that may have in whole or in part influenced the decision. 
Kindly advise as I am confused about the decision on my status for the MPOWER loan.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (MD)

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX XXXX XXXX Immediate deletion It doesnt show on XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Identity theft and fraudulent accounts, i was out of the country from XXXX to XXXX i never lived in the address the accounts were opened under, see police report i also have my US passport as they stamped it the day i left and came back. 

CREDIT CARDS OEPNED UNDER XXXX : Capitol One opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I have a printing company and have been taking payments using PAYPAL for a little over 20 years. The previous time I received a payment we had the same issue we are having now. After 5 months it was finally resolved therefore we figured all was well and decided to continue using PAYPAL. On XX/XX/2023 I took a payment on our website for the sum of {$160.00} and again the same issue has cropped up. PAYPAL not only are withholding the payment but has frozen ANOTHER account I have with them. That separate account currently has {$310.00} in it and is a complete different account and I am unable to access funds from that account as well as my printing company account. The {$310.00} has been in that account for right at a year and has nothing to do with the printing company account. Today is XX/XX/XXXX and I have called and communicated using their online communication for the last month trying to resolve this issue. They ask me for information in order to " resolve '' this issue. I have supplied everything they have requested including 1 ) Photo ID 2 ) Address Verification 3 ) Tax ID 4 ) Bank Account Verification. After a period of no communication I called again and ask the status of my account. They then stated I must have the customer supply basically the SAME INFORMATION. I called him and he stated that PAYPAL has already deducted the money from his account, He then sent a photo of where PAYPAL deducted the money to prove he was being truthful. He stated that he would NOT send them the info because he is concerned about ID fraud. 

Paypal states that I do not have an " account '' number but they go by the email. The TWO accounts involved would be XXXX AND XXXX XXXX
Consumer complaint received 2023-02-14
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. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  My only employer is : Lumen My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX Enc. PassPort, SSN Card, and Proof of Residence
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have had a most upsetting experience that is ongoing. I am XXXX years old and am concerned it may have something to do with my age. I do not have a large pension but have over XXXX XXXX in assets so am not at risk of defaulting on any debts. 

In XX/XX/2022, Chase Bank closed my checking account and cancelled my credit card. I never had an issue or late payment. There was no reason given and I was told I had no recourse. I spent a lot of money on that credit card. I paid it in full each month and never missed a payment. 

I have never been overdrawn. I pay off my credit cards in full monthly. The source of my income is my equities at XXXX. The transfers always were sent from my XXXX account directly to the bank. I am perplexed as to why this is happening and very concerned. The most frustrating thing about it is that they cant give me any explanation. 

Can you help me with this? I dont know who to turn to.
Consumer complaint received 2023-03-02
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: R & B Corporation of Virginia (VA)

Credit Control Corp/ R & B Corp has unlawfully reported this debt on my Federally protected consumer report according to 15 USC 1681 ( a ) ( 2 ) Also, according to 15 USC 6802 B, there is no law that legally states you as a " person '' or " corporation '' may report ANY of my consumer transactions to any non affiliated 3rd parties. As an affiliate per 15 USC 6802 ( a ) to the corporation whom you purchased this debt from, it has been labeled unlawful to share this consumer transaction to any 3rd party affiliate in which you have unlawfully done via my consumer report. 

Per 15 USC 6802 ( B ) to collect this debt lawfully I request you provide to me, the consumer, all the written opportunities provided from the original corporation, XXXX XXXX, SENT TO ME, that my consumer transactions will be disclosed to you, corporation and 3rd party consumer transaction reporting corporations. Per 15 USC 6802 ( C ) provides to the consumer the given explanation of how the consumer can exercise a nondisclosure option. To validate the debt, I command you forward this TO ME as well from the original corporation IMMEDIATELY. 

Credit Control Corp/ R & B Corp XXXX practices have deprived my life and deprivation of my life is unlawful per the United States Constitution. All correspondents to and from you have been recorded and saved and will be used against you in a court of law with damages being requested to the full amount if this NEGATIVE REPORTING ACCOUNT # XXXX is not DELETED immediately. 
15 USC 1692 ( k ) Civil Liability - ( a ) Amount of damages, Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As i took a look at my Credit report i noticed i have several names and several addresses that shouldnt be linked to me I am highly afraid of identity theft and would like my personal information updated i should only have XXXX name ( XXXX XXXX XXXX ) XXXX address ( XXXX XXXX XXXX XXXX fl XXXX XXXX ) and XXXX phone number ( XXXX ) any other name address and phone number should be deleted expeditiously do to the possibilities of identity theft please and thank you