davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : $ XXXX
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The reason why I am disputing this matter is because there is inaccurate information on my credit report. The information that is inaccurate is a late payment against me from Kohl 's department store. I contacted Kohl 's department stores regarding this matter and they agreed and removed the late payment on my charge card, unfortunately it was not removed on my credit report. I contacted XXXX and it has been 30 days and the dispute is still open and unresolved. This matter is affecting me because I am in the process of buying a house and the bank needs to see a resolution on this matter or I will be denied a mortgage. Please look into this matter and contact me if needed.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NM)

In XXXX on 2022 I made a mortgage payment of {$920.00}. The money was removed from my XXXX XXXX XXXX checking account and posted to United Wholesale Mortgage. However, United has stated that I have missed a payment from that time. I have been calling and messaging trying to resolve this issue for XXXX years. United States that they attempted to charge my checking account, but that it did not go through and that payment was not accepted. However, I received a XXXX XXXX report from XXXX XXXXXXXX XXXX stating that the charge was made to my account and no money was refunded in that amount at any point. When I attempt to reach out to United Wholesale Mortgage, they requested this document, but once I provided it they sent me in circles stating that they did not accept payment despite the fact that I provided the proof previously requested. 
United had used this incident to state that I am therefore XXXX  days late on each payment that is on time since then, accruing late fees and negatively impacting my credit score as well.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 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 2023-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WI)

Long ago in the middle of pandemic I was told that they offered services to help with payments such as delayed payments, haunt on interest rates etc. I called to try and have this done and was told no we do not even tho it stated on their app they did, was also told they would not stop the frequency of calls. Eventually I started catching up with bills after finding work and childcare in the pandemic but it barely covered interest rates. I tried again with no evail my payments weren't enough and they wanted more and more n I told them that was impossible unless me and my kids stopped eating and paying bills. I was talked over everytime, most times by someone XXXX XXXX and ignored untill I hung up. The calls have become more frequent. 2 sometimes 3 times a day. This is way to much and I have had enough!
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Well to start XXXXt sent money to PayPal and I'm not sure how that happened I didn't have an account with PayPal nor did I want one so I went to with draw my money an the account had a limitation put on it and if I recall I did not recievr an email telling me why an then the next thing I know they had a 180day limitation put on so I waited 180 days no email so I call PayPal they didn't give me any reason why no email then the next thing I know my account has me locked out so I call PayPal they tell me there is nothing they can do or tell me that I have to wait for an email so I've waited 3weeks an still no email an there help line still can't do anything so I don't think this is right the amount is XXXX dollars that they are holding an I need the money for bills in this time of the pandemic that we all are having to endure so I'm hoping you can get me some information to what is going on and if I will get my money or if I have to take further accion or if I will get my money at all I've read dozens of complaints about PayPal people having the same problem an them getting no were an not receiving there money after a180days so it has me very worried that I will be in the same boat as them this isn't right what PayPal are doing to all these people whom have there money in a PayPal account or what ever it is PayPal considers them selves so thank you very much in your helping me with my delima. will be waiting to here from you.
Consumer complaint received 2023-06-08
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. I have no knowledge of this and all is being investigated. I never gave any written consent to report anything on my consumer reports. The following inquiries are unknown to me. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX. Please remove these inquiries.
Consumer complaint received 2022-09-30
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX have violated my right 15 U S C 1681 section 602 A States i have the right to privacy 15 U S C 1681 section 602 A section 2 it also states a consumer reporting agency can not furnace my account without my written pemission
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Highest Balance : {$12.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (AZ)

My husband and I have filed our Oklahoma State Tax Return for year 2019. A Refund issued on XX/XX/2019 via prepaid debit card by a program called " Way2go ''. The bank issuing this card is XXXX Bank.This Way2 go program is used by several government agencies to disburse money to people. The card was mailed to an old mailing address, not the address that was on the 2019 tax return. 
The card is now lost. We have contacted the Oklahoma State Tax Commission three times. Each time we are told to contact the Way2go company customer service line at XXXX. This number puts us on hold for 1 hour and 20 minutes at that time, the calls automatically disconnect. We have tried to contact XXXX Bank. They also have no person available to contact. I have used their computer automated system to request a return call. Have not received one.
Consumer complaint received 2023-06-08
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. (CA)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentiallity under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 a Section 2 it is also states a consumer reporting agency can not furnish a account without any written instruction.

USC 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the items of information .Any other adverse item of information other than record s of convictions of crimes which antedates than seven years.

USC 1681 s-2 ( A ) ( 1 ) 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. 

XXXX XXXX XXXX {$13000.00} - XX/XX/2023 XXXX  XXXX XXXX {$1100.00} - XX/XX/2023 XXXX  XXXX XXXX {$4000.00} - XX/XX/2023 XXXX  XXXX XXXX {$4700.00} - XX/XX/2023 XXXX
Consumer complaint received 2023-01-11
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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)

Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that Equifax violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that Equifax is held accountable for its actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (NY)

Im accordance with the fair credit reporting act XXXXXXXX # XXXX account name XXXX XXXX XXXX ( account # XXXX account name XXXX XXXX  ) ( Account # XXXX account name XXXX  XXXX XXXX  ) ( Account name XXXX  XXXX account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2019-12-05
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently submitted a request for an investigation of the disputed account, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 

XXXX XXXX Balance Owed : {$380.00}.
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. (DC)

I have been victim of identity theft, I have disputed with Transunion multiple times to remove accounts that were not opened by me. The following accounts still show in my report and are not removed 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX I do not understand what more information i need to provide for them to close the accounts mentioned above.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

On XX/XX/2016 I opened up a checking account that had a {$300.00} sign up bonus. After I met the requirements, I contacted PNC via chat. I was told the requirements for direct deposit and debit transactions was complete. I also inquired if there was a minimum balance I needed to keep in the account and I was told no.When my bonus did not post, I inquired again and was told an investigation would be initiated. When I did n't hear back, I inquired again and was told I had not met the requirements. In addition, I was charged a {$25.00} checking fee for not keeping {$1500.00} in the account.
Consumer complaint received 2023-01-11
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. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (MA)

In XXXX, I initiated an appeal concerning late fees and administrative fees imposed by XXXX. During this process, XXXX informed me that it could take up to 60 days to dispute these charges. In an effort to address the matter, I also reached out to the ombudsman via email. Unfortunately, without my knowledge, the appeal was forwarded to a collections agency PAM ( professional account management ) - XXXXT XXXX XXXX XXXX XXXX, New York XXXX in XX/XX/XXXX. To date, the collections agency has not provided any evidence of the debt, nor have they made any attempts to contact me regarding the matter. Despite my formal request for a letter of validation on XX/XX/XXXX, I have not received any correspondence from them, which has now exceeded a six-month period. The unresolved situation is severely impacting my ability to register my vehicle and is significantly disrupting my life.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After reviewing my Experian credit report ( XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/2022 XXXX {$1600.00}
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I AM XXXX IM TRYING TO MAKE A CREDIT DISPUTE OVER THE PHONE WITH XXXX AND I CAN NOT GET THROUGH. ALL THE NUMBERS IVE TRIED DO NOT WORK. I CANT MAIL NOR CAN I SEE A COMPUTER SCREEN. THIS IS ABLEST AN I HAVE A RIGHT TO CALL OVER THE PHONE.YOU CANT PHYSICALLY VISIT THEM.