davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: Aqua Finance, Inc. (FL)

I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 AQUA FINANCE Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 INQUIRES ON XXXX : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
Consumer complaint received 2023-07-05
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. (MA)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I sold a book on XXXX XX/XX/2018. The money went to a PayPal email that was not fully set up. The problem is with Paypal. I called once or twice that week and tried to set up my bank account with Paypal. The links didn't work and so I entered my bank information online about 5 times. None of the attempts saved the information to my profile. 

Some where around XX/XX/XXXX, when the funds were suppose to be available, I called a few more times for the funds to be released. After about 3 phone calls that week, the funds were released. I again tried to link my bank account, but again it wouldn't work. So I tried to send money to my other Paypal account. The rep snottily said that of course I can't send money to myself! You can't do that! 

So I gave up trying to get my {$41.00} until today. I again tried to link my bank account and send the money to myself. The customer service rep seemed to have issues understanding me and repeated back my problems as solutions. It was quite odd. She was not able to get my funds released. Her only suggestion was for her to enter my bank account number. At that point I had no confidence in her ability nor did I feel comfortable giving her my bank account number! She then walked me through a few circles and then was surprised that an option was not available for them to send me a check. That's all I want. 

I asked to talk to someone else because we were having problems communicating. Her supervisors name was XXXX. He had less customer service skills than the first rep. He also wanted my bank account number. I was so frustrated I said that maybe I should just take this to social media. His response was if that's you want to do, go right ahead. So I went to their XXXX  page and there are many there with my complaint as well as worse complaints. 

I just want my money. {$41.00}. They are holding my money and won't send it to me.
Consumer complaint received 2022-10-29
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. (FL)

Transunion has allowed a breach of hard inquiries from XXXX XXXX on XX/XX/2022, XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I informed transunion that I did not authorize these hard inquiries and I want them removed. Transunion told me to contact the ftc and submit a report. FTC transferred me to consumer finance and I am now requesting the through the consumer finance that said hard inquiries be removed.
Consumer complaint received 2023-06-07
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-07
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. (OH)

XX/XX/2018 I called to inquire about Internet service through XXXX XXXX and was asked to provide my physical address. I asked them if they were going to do a credit check and they responded with no. I told the agent I was not authorizing any credit checks at this time. I received a notice that my credit had been pulled and contacted XXXX XXXX and asked for them to remove it. I received no help from them and proceeded to call Trans Union for assistance. I filed a claim and was told that there was nothing they could do to help me that I would have to resolve it with XXXX XXXX. I never authorized my credit to be pulled. They ran a credit report by my physical address. Please help me and removing the credit inquiry from XXXX XXXX from my credit report. The inquiry was made today XX/XX/2018. Sincerely XXXX XXXX.
Consumer complaint received 2023-05-12
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. (FL)

I've seen erroneous information in my credit report before, and this is only the latest instance. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) require the XXXXcredit bureaus to verify these items. Without validating them within the legally required time frame, it is unacceptable to report these items as unconfirmed information. Investigate, make changes to, or entirely remove the following erroneous information from my credit 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
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I disputed a Bankruptcy.I questioned how the Bankruptcy information was obtained and the Response was the Us Bk ct/Us District courXXXX which is an incorrect Identifier.However I contacted the Court and their Response was they Do not report to Any Credit Bureaus.So this has to be lie or an Error.Also I did not Give Permission To Share my info which is a violation of my Right to Privacy.
Consumer complaint received 2023-01-02
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. (PA)

I.m dispute the credit reported because of mishandling my credit scores and i.m very unhappy with the system think that they misusing my Credit score. I have complaints against the XXXX...
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WI)

On Saturday XX/XX/year>, at approximately XXXXXXXX XXXX I received a call from my banks number ( XXXX ) XXXX. The Bank is Chime. The caller on the other side asked me the same security questions as a regular Chime Representative and told me that someone in TX was about to make a deposit of {$350.00}. They said the only way to stop this transfer was to do what called a Chime Reversal Payment in order to deny the funds being taken out of my account. They then made me click on a clock and said XXXX XXXX was his supervisor and was authorizing this. The person on the phone said as soon as midnight passes and the scammer from TX attempted deposit fails my funds would be released back into my account. It never came back. They called knew all my bank info etc. It was incredibly believable. I have disputed with Chime 4 times now and they said No Error has been made. They refused to give me a credit. That money was all I had and I feel like Chime doesnt wan na pay me back.
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been trying to resolve XXXX items showing on my credit report since XXXX XXXXXXXX XXXX I have written to all 3 credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent 3 letters regarding these accounts. I know they have 30 days to respond but it has been over 90.
Consumer complaint received 2023-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

On around XXXX-22 through XXXX-22 I closed on a home loan with XXXX XXXX XXXX. The closing was done at a XXXX XXXX restaurant with a notary that handled the paperwork and documentation. I gave a certified check in the amount of {$1600.00} at the time of closing, and had given {$500.00} in the month prior as good faith monies. After the closing I received absolutely no documentation showing that I am the owner/ resident of the property and that I am on the paperwork for the loan. I called and spoke with representatives on numerous occasions to try to voice my concern and receive the documents, but they are very unhelpful/ unconcerned with the matter. There is also no documentation on thier website. I feel that I am the victim of fraud here somehow. I wish to see all of the proof and evidence in writing of the Notary that handled the closing, and how the funds were used to cover what costs, because the amounts that were applied to specific areas were not what was discussed prior to the closing. The home price was {$25000.00} and of the {$2100.00} that was paid, they have made it to where nothing went toward the balance of the home and the monies have vanished. 
Now the original loan number has changed and doesn't reflect what is represented on my Homeowner 's insurance docs. When I check the payment section of thier website, the amounts differ from my records, and the method of payment isn't the same in certain months either. I have checked my credit report via XXXX and it states there that maybe 2 loans are in effect. One area states first mortgage for a duration of 360 months in the amount of {$100.00} and yes with a refinance indicator. This was NOT initiated by me! Then there is the original or second mortgage with 300 months and it states 300 months and a payment of {$3000.00} per month. Also Via XXXX the payment months have {$0.00} paid in XXXX, XXXX, and XXXX, with double payments/ or {$620.00} paid in others- XXXX. I received a payoff letter in XXXX of 2022- someone else may have taken over- assumed a role on the account.
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

They keep changing the amount due several times per month. Ive made multiple payments in one month, but none seem to go against the balance. Still the bills remain doubled ( even with consistent payments and early payments against the account ). Ive tried calling and chatting with customer service to no avail. The bill is {$18.00} per month and not a penny more or less.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (RI)

i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-11-18
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; US DEPT OF EDXXXX XXXX ... XXXX 
{$12000.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance : {$2200.00} ; XXXX  XXXX .... XXXX : - ; XXXX XXXX  XXXX .... Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX {$670.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX via XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I have been discriminated against by third-party reporting agencies, which has led me to be unable to lease a home, purchase a vehicle, and not being able to get jobs since 2015 due to the negative reporting on my credit due to fraud and I have tried several times to get these negative items removed and they have not provided any original agreements signed by both parties but till continue to report negatively on the credit summary. there are also agencies that are reporting the same account as duplicates and the address and number are not correct along with the incorrect spelling of my name.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXXXXXX 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 2023-07-05
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. (TX)

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

15 U.S.C 1681 Section 602 A. states I have a right to my 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 2023-02-14
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: Southwest Recovery Services, Inc. (MD)

I'm filing another complaint against South West Recovery Services. CFPB closed my original complaint because the company responded. This is just a tactic to have the complaint closed by the company submitting anything even though it doesn't support anything. Southwest Recovery Services has yet to provide a sign contract BETWEEN ME AND SOUTHWEST RECOVERY SERVICES. I have not conducted any business with this company. PLEASE PROVIDE THE CONTRACT.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, my name is XXXX XXXX and this report is for TransUnion. There's absolutely no way to contact them, if you aren't paying for a {$30.00} a month membership. Every other bureau offers free tiers, & paid tiers. I'm not paying {$30.00} a month, just so I can ask you to remove this fraud alert/block on my credit report. I also should get a free report from them, without having to pay for anything every year. That as well have not been updating my report, or removing accounts that are beyond 7 years. I can't dispute much else, as I still haven't received my report & can't depend on what the other bureaus report back as they seem to never match. XXXX is the only one, who after my initial complaints & reports to actually do their job & due diligence ; updating my report to reflect the truth. I can log into my account on XXXX, and see my score is XXXX and every thing I see reported is absolutely correct.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your companies. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.