davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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. (VA)

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I will also like to request the account number because on each report it shows differently. Another request I noticed is that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. In the absence of any such documentation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2023-07-01
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. (NM)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX. XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I lodged a complaint against Equifax with the CFPB on XX/XX/2024. Equifax responded on XX/XX/2024, stating they would remove the inaccurate account. However, the account remains undeleted despite their assurance that it would be.
Consumer complaint received 2021-01-01
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. (NM)

Experian notified me of the " update to dispute '' on my credit report and again refuses to remove accounts that are past theXX/XX/XXXX statute of limitations. I am still a resident of California, working and residing in XX/XX/XXXX The statute for XX/XX/XXXX is 4 years. The accounts need to be removed from my credit report. 

I am tired of continually fighting Experian about this. They will not comply with the statutes.
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I SAW A XXXX XXXX OF A FRIEND OF MINE AND SHE WAS SELLING SOME STUFF SO I MESSAGED HER. WELL IT WASN'T HER I WAS MESSAGING. I DID NOT HAVE HER PHONE NUMBER TO ACTUALLY CALL HER SO I JUST MESSAGED HER. I WANTED TO PURCHASE A WASHER AND DRYER AND A GOLF CART SO I SENT HER MONEY THAT SHE HAD ASKED FOR AS A DEPOSIT. BUT SHE KEPT TELLING ME IT WASN'T WORKING AND IT HADN'T CAME OUT OF MY ACCOUNT YET SO I THOUGHT SHE WAS BEING SERIOUS ... WHEN I SENT MORE IT ENDED UP HER GETTING DOUBLE. SHE GAVE ME AN ADDRESS AND MY DAD AND I WENT TO GET THE PURCHASED ITEMS AND I LOOKED IT UP ON HAR.COM AND IT WAS A GOOD ADDRESS, BUT WHEN WE GOT THERE IT WAS AN OLD ABANDONED LOOKING HOUSE. I AM SO STRESSED OUT AND THIS PERSON OR PERSONS HAVE MADE MY LIFE SO MISERABLE RIGHT NOW. I HAVE NEVER HAD THIS HAPPEN AND HOPE NO ONE EVER HAS TO DEAL WITH THIS. I HAVE REACHED OUT TO VENMO, PAYPAL, AND CASH APP, BECAUSE SHE STOLE MONEY FROM ME FROM EACH OF THESE. I AM SO STUPID TO HAVE BELIEVED THIS. I HAVE NO MONEY TO BUY GROCERIES FOR MY FAMILY RIGHT NOW BECASUE I HAVE MESSED UP. ALL PURCHASES HAPPENED ON XX/XX/XXXX. 
VENMO- {$800.00} PAYPAL- {$300.00} CASH APP- {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TOTAL- {$1600.00}
Consumer complaint received 2022-11-28
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. (MO)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022
Consumer complaint received 2023-06-13
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-11-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (FL)

I received my loan through Santander consumer USA back in XXXX of XXXX. 
My husband lost his job back in the middle of XXXX spoke to Santander about payment arrangement had payment arrangement set was making monthly payments my last payment was XXXX XXXX XXXX  they closed my account XXXX XXXX XXXX have not received a phone call email or any kind of statements or bills in the mail from them since then my car got repossessed last night and I was informed that they reopened my account and put a repossession into effect without my knowledge. I also was under the understanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I can not get anyone to give me any kind of information on how to resolve this.
Consumer complaint received 2023-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I recently disputed some debit in Experian  because I have no knowledge about the charges Which I did the same for the other 2 credit XXXX XXXX and XXXX   and they removed what in my credit but not Experian  which prevent me from refinancing my home and getting high interest rat for my 2 car loan
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX ETH from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

i opened an account with citizens bank due to an advertisement that stated i would receive XXXX for each checking account that was opened if qualifications were met, ( deposit amounts and direct deposit etc. ). I met qualifications and was supposed to receive XXXX for each checking account. I confirmed twice that i was supposed to receive these funds ( screen shots attached ). I have spoken to several people, including a branch manager in Delaware, named XXXX. She promised she would get back to me about the issue. I sent her the screen shots where i was promised the XXXX per account. Ive left her voicemails but she has yet to respond. It has been months. I want the XXXX per checking account I opened. I was promised these amounts and moved my money over to citizens bank on the assumption they would make good on their promise.
Consumer complaint received 2022-11-29
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

report paid in full i file a disputed on XXXX  credit rental data also they said they can not update my report even whit the paid in full letter call later to the debt collectors and they said they only can do a letter for me thats all they cant do anything about it still show in my credit report in rental area
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo XXXX XXXX and asked them to please update how they are reporting to my credit. I had filed bankruptcy ( XXXX  XXXX ) in XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo as NC a courts do not allow that. I continued to make all payments as I had been, and all on time. I understand they do not have to report, thats fine. Instead wells is reporting my account status as derogatory instead. My mortgage has been paid off, paid in full, never late. I asked they remove the information or updated it correctly. Nothing has been done. I also disputed it multiple times with the credit bureaus with the same thing happening. This derogatory credit reporting has lead me to get denied for auto insurance as they think I owe money. I have my pay off letter and just would like this removed. Thank you.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CA)

Late last year I received an email offer from BBVACompass bank asking me " to come back ''. They offered me {$150.00} if I opened a checking account with them, made an initial deposit of {$50.00} or more, and had  XXXX  direct deposit of at least {$300.00} deposited into the account within 60 days of account opening. I tried opening the account online but the system directed me to go into a branch. I did that on  XXXX / XXXX / XXXX  and opened the account with the bran ch manager a nd deposited {$50.00}. A direct deposit of {$300.00} was made on  XXXX / XXXX / XXXX  from my employer and numerous calls and emails to them have resulted in multiple promises to deposit the {$150.00} into my account. Continuous run around and still nothing. It is impossible to speak to a representative that actually has the power to give me the money that I 'm owed. They are never " available ''. Early on in this process I phoned the  manager  who opened my account in my local branch, and he told me that he 'd heard from at least  XXXX  clients that are having the same problem. He told me that they were n't getting their cases resolved unless they had the original copy of the email sent to us by BBVA. I have a copy of that email and I 'm still not getting the money I 'm owed. This is known issue to the bank and yet they do nothing to fix it. Abysmal customer service. On a side note, I left the bank originally because they were highly inconvenient and had a poor online presence.     No business should be allowed to treat their customers in such a shabby way, at least without their being a public record of their behavior. I am seeing your help to get the money I 'm owed and log a complaint that hopefully encourages them to change their ways. Thank you in advance for your assistance with my claim.
Consumer complaint received 2022-10-27
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. (PA)

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, 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 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 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My mom opened a XXXX XXXX  credit card back in XXXX of XXXX and added me as an authorized user and she passed away in XXXX. XXXX XXXX  put the credit card on my report and stated that it was a joint account. I have disputed this numerous times with them and asked for verification. They havent produced any and i can not get this off of my credit report. It shows as a charge off on my report and the account is closed. It states the responsibility is " individual '' I need help with having this removed from my account
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.