davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

A deposit for my husband was allowed on my account for the amount of XXXX on XX/XX/2020. My husband has recently had another deposit sent to my XXXX account in an amount of nearly XXXX. They have been holding these funds. I have called many times to resolve this issue, I have asked what I need to do to have the payment added to the account since I am the primary holder and his name is not on the account. I have asked the to return the funds to the Veterans Government so they can deposit it into his account. I have explained that his money of XXXX had no issue being deposited into my account, but yet they can't allow this because it is in his name not mine, it is over the limit of XXXX allowed for daily deposit, but yet they can't explain how the first amount went thru no issues. I was told they will send the payment back to the payer but yet that has not been done, on the end of the 5 business days I have been waiting. Then I was told again they will send it back to the government but it will take 3-5 business days. I keep getting hung up on, ask to speak to someone that can properly help me and get the same run around. I will be placed on hold and then they hang up. They are playing with over 25,000.00 dollars of my husbands XXXX XXXX money and I can not seem to get anyone to help me get the issue resolved in any manor. They have been rude and non helpful. I had one agent that was actually helping and heard what I was saying and was attempting to help and we was disconnected. I called back waited the XXXX min asked to speak to that representative and was told they could not transfer calls like that. I offered to email the company in question documentation of my ID SS # Marriage License and Husbands ID to no avail. I even asked to add my husband they said I was unable to do so.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-01
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 (NY)

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, registered under the email address XXXX. 

First and foremost, I firmly believe that this limitation is the result of an error or misunderstanding. To the best of my knowledge, I have always adhered to PayPal 's policies and guidelines. I have never engaged in any activities that would warrant such a restriction on my account. 

I kindly request that PayPal initiates a thorough re-investigation of my case. I am eager to cooperate fully, providing any necessary documentation or information to help resolve this matter promptly. My objective is simple- to have my account reinstated, allowing me to continue using PayPal for my financial transactions. 

PayPal has been an essential part of my online financial activities, providing a secure and convenient platform for my transactions. Its services have been invaluable to me, and the limitation has disrupted my financial affairs significantly. 

I understand that PayPal must maintain the highest standards of security and compliance. However, I respectfully urge you to reconsider my case, as I genuinely believe that the limitation was imposed in error. I am confident that a re-examination of the facts will confirm my adherence to PayPal 's policies. 

I sincerely hope that we can resolve this matter promptly and amicably. I remain committed to complying with PayPal 's policies and using the platform responsibly. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (OH)

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX/XXXX  XXXXXXXXXXXXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXXXX Balance {$320.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXXXX Balance {$230.00} XXXX  XXXX XXXX  XXXXXXXXXXXXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Balance {$880.00} XXXX XXXX XXXX XXXX Balance {$55.00}
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Volvo Car Financial Services U.S., LLC (CT)

Leased a XXXX XXXX from Volvo Financial in XXXX. Set up autopay to pay the lease monthly. Without any alerts, Volvo 's autopay service failed. Received no emails or physical mail about delinquent payments, but Volvo reported a late payment to the credit bureaus on XX/XX/XXXX. Called to rectify, set up autopay. Called XX/XX/XXXX to ask for removal of credit demerit. Was told to call back today ( XX/XX/XXXX ) for credit search. The customer service representative told me that it was denied. Additionally, I logged into my account today and despite the autopay setup, says my account is 7 days delinquent. Again, I was not notified even when calling customer service. Clearly not interested in correct reporting or setting up autopay.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an XXXX  son with the same exact name. Experian continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and Experian continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX XXXX  not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXX Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and Experian shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

XX/XX/XXXX EQUIFAX WAS FRAUDULENTLY REPORTING A CH XXXX BANKRUPTCY ON MY PERSONAL CREDIT FILE. 
I IMMEDIATELY CONTACTED THEM FOR DELETION AS THIS IS THE RESULT OF IDENTITY THEFT. 
THE BK WAS REMOVED AND I HAVE CONFIRMATION, TODAY XX/XX/XXXX I RECEIVED AN ALERT THAT EQUIFAX HAD PLACED THE BANKRUPTCY AGAIN ON MY PERSONAL CREDIT FILE. 

I SPOKE WITH XXXX IN OFFICE OF CONsumer AFFAIRS with EQUIFAX AT APPROX XXXX ; XXXX XXXX  XXXX XXXX, XXXX AND SHE GAVE A CONFIRMATION NO OF XXXX to the permanent removal and blocking of this account for the 2nd time. caseno XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
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. (PA)

I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an XXXX  son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. Transunion and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX XXXXXXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXX XXXX XXXX XXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXX  Is missing payment history, shows inaccurate information and shows late 120 days XXXX months. Please provide physical proof this account belongs to me or remove it! 
XXXX XXXX XXXX XXXX XXXX  This account shows inaccurate Transunion shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.
Consumer complaint received 2021-01-05
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)

I have a charge off reported on my Equifax and XXXX  credit report with the company XXXX XXXX XXXX. This company charged off a car loan I had in XXXX. The car went to a repo lot where XXXX said I could pay fess, pick up the car and continue making payments. I did that because I needed a vehicle. Well in XXXX, I was late paying and the car was picked up and sold. I thought my payments were being reported, but the credit bureaus were only reporting charge off. 
This company is in litigation and is a deceptive lender. 
I disputed my credit report and requested a deletion of this account based on wtong payment history, balances. terms. date of last activity. 
XXXX  and Equifax both validate information somehow and nothing changes. I do not even get a written reply from either credit bureau.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX XXXX XXXX, I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind. I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent. Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. The balance of page 15 of the document you provided stated the balance was {$4800.00}. my credit report, published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information published by XXXX, as stated in your response. Please see the highlighted portions. Regardless of XXXX  preference, the Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me from XXXX from continuously furnishing inaccurate information reflecting negatively on my protected class. Please provide the address from which the car was removed and the call to prove that my XXXX mail was non-deliverable and that I continued sending mail there. On pages 11 and 13 of the documents XXXX sent, the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, stated that XXXX had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the deal made between XXXX and me. Please see the three attachments : ( 1 ) confirming my identity, ( 2 ) from XXXX, ( 3 ) from me, with evidence of the fraud committed against me
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (WA)

Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX  years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.
Consumer complaint received 2023-05-08
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. (GA)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
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: Experian Information Solutions Inc. (NY)

I reported this problem back in XXXX over 60 days to XX/XX/XXXX and Experian and still have not received a response back yet. The problem I am having is on my XX/XX/XXXX and Experian credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XX/XX/XXXX report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XX/XX/XXXX is the correct account that shows accurate information. I would like to update XX/XX/XXXX and Experian to match my XX/XX/XXXX payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match XX/XX/XXXX.
Consumer complaint received 2024-03-26
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. (OH)

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXXXXXX  account XXXX XXXX XXXX account # XXXX Has violated my rights. 

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX account # XXXX Has violated rights.

15, U.S.C 1681 Section 602 A states I have the 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 instruction.