davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TN)

Years ago, about XXXX  years ago I downloaded kredit Karma app. Recently when I tried to buy a house I was told my credit score was not the score from credit karma. Been trying to get a credit card from them also when they stated it was a guaranteed approval. I been denied numerous times and they kept dinging my credit of hard inquiries when I tried that lowered my credit allot
Consumer complaint received 2024-04-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

XXXX/XXXX/124 I received an alert that a collection account had been placed on my credit profile w/ XXXX. When I looked further into it I see that it was Southwest Credit Systems for {$1100.00}. They have never attempt to reach out by phone or mail. This is a direct violation of FCRA as the debt is not even valid as this issue was resolved with XXXX nearly two months ago because after filing a XXXX  compliant someone finally reached out and was willing to discuss my account w. the Executive Offices. After we both reviewed the account we found that XXXX had charged for services after I canceled the account and because they were unwilling to speak to me, locked me out of the account and were sending all correspondence to the incorrect address. We agreed on {$480.00} would handle the obligation in full and all collection action would cease. I attempted to resolve this with the collection agency and they were unwilling to do anything other than except payment and I explained that nothing was owed and asked when they last time they attempted to very the account. I received no answered and I informed them that they were in violation of FCRA. I was immediately transferred to another department where the lady started yelling at me and refused to let me speak, over-talking me. She then hung up on me. I called back only to be told that they would not be able to assist me because I threatened legal action and that I needed to provide my attorneys information. This was incorrect and upon telling them that i had simply informed them that they violated FCRA and my right and if they did not resolve this issue immediately it would result in a CFPB complaint. the again disconnected the call. I attempted a third time and the representative took over 20 minutes to gain access to the file and had actually told me that she was unable to access and I would need to call back tomorrow when they reopened again. When I refused to drop the line until I was helped she magically gained access but was only willing to take a payment and transferred me again to their escalations department only to be greeted with a viocemail. They are unwilling to resolve their issue of reporting a fraudulent account to my credit without verifying it. I have since contacted XXXX  and they said they were told to cease all collection attempts as the account was paid in full.
Consumer complaint received 2023-06-14
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. (FL)

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, 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 an 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 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (PA)

I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (PA)

I have always made my monthly mortgage payment on time ( by the XXXX  of each month ) to New Rez LLC through a bank bill pay service. Due to a typographical error, my XX/XX/XXXX mortgage payment was {$.00} short. I was not notified of the error until after the grace period ended ( XX/XX/XXXX ), I immediately called the NewRez account servicing number, explained the error, and I was charged a late fee of more than {$26.00}, which I paid immediately. A late fee of {$26.00} for a XXXX cent error with no timely notification? Is that reasonable? I respectfully request that the late fee be waived. Thank you.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Mortgage Company - XXXX XXXX is inaccurately reporting on my credit file. XXXX XXXX  is reporting : Opened Account on XX/XX/2023 with one payment on XX/XX/2023. 

This is SEVERELY INACCURATE! 

Account was opened on XX/XX/2023 and first payment was made on XX/XX/2023, along with a second payment on XX/XX/2023. 

Several attempts have been made with XXXX XXXX to update my credit file with correct reporting information, they failed to update my credit. XXXX XXXX  representative stated to file a compliant. 

This is unacceptable and I'm requesting the IMMEDIATE update of my credit file to reflect : Account open - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX on - XX/XX/2023
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

I opened a paypal account in XXXX XXXX. I sold 1 police/fire scanner and 2 ham radios. It was a total of XXXX that was deposited into to my paypal account. Then tried to withdraw the first amount to be avaliable and had to wait 72 hours. Then account was limited. They requested documentation to remove limitation. 

1 ) drivers licence 2 ) explaination of items and why I sold them 3 ) copies of receipts for sold items. I purchased these items legitiamitly and they are my personal items that i no longer have a use for i explained to them numerous times. A complete runaround. 

I supplied them with all requested documents on XXXX XXXX XXXX. As of XXXX XXXX XXXX my account is still limited and funds are still on hold with no access to them. 

I have called 4 times and you always get told it is going to there back office. You can not talk to a person in there back office to resolve this problem.
Consumer complaint received 2016-03-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar Mortgage continues NOT to notify us of escrow increases. Nationstar does not provide us billing statements nor allow us online access to our account. In XXXX, we had an escrow increase with No notification, and then we received a XXXX XXXX court notice of foreclosure by Nationstar. This tactic appears to be " predatory : to me. They can not provide : coupons, billing statements, escrow changes, late payment notifications, online access XXXX to all clients ) but they can notify the XXXX XXXX Court of intent to foreclose. 
XX/XX/XXXX we took the initiative to contact Nationstar and found out there was another escrow increase. Since we did not receive notification, I would assume the same process would have started all over again. 
Even though we were vindicate in XXXX XXXX court, Nationstar 's inadequate processes of processing payments negatively impacted our credit score.
Consumer complaint received 2023-05-05
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX on accounts XXXX, has violated my rights.

15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one account. I called in XXXX and paid off the full amount which was about XXXX and they closed the account and said it was good. Then I got a report on my credit report in XXXX that there was. XXXX balance on the card. I called and they said it was still interest owed from the prior month. I advised them I paid it off in XXXX and it was closed. Spoke to employee and supervisor who would not work with myself. Told them I would file a complaint. Thanks
Consumer complaint received 2017-09-18
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. (TX)

All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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. (PA)

My name XXXX 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 by the FTC 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 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I have a Apple Card Credit Card issued through XXXX XXXX. 

In the past I have made a account on the site XXXX but I never made any purchases, my account shows no card on file, no recent history, no payments made to anyone, nothing. 

On XX/XX/2024 XXXX my Apple Card was declined on a {$2000.00} dollar transaction through XXXX  . This is wonderful because this is fraud, I did not authorize this purchase at all. Apple deemed it suspicious enough to decline, no worries all good. 

On XX/XX/2024 at XXXX my Apple Card was charged {$2200.00} from XXXX XXXX I immediately got a hold of customer support and raised a fit. I did not make this transaction. I disputed the transaction and it was determined I lost and somehow XXXX has my apple card number and full address including zip code. If apple had done its job and declined this transaction as suspicious as it did the previous one there would be no issue. this transaction was approved. Again there is no history of any purchases on the site. 

Immediately after my card was charged on XX/XX/XXXX another transaction of {$14.00} was placed by XXXX. this transaction went through, I disputed it and I won the dispute. 

However about a hour later on XX/XX/XXXX at XXXX another transaction for the amount of {$2100.00} was declined by Apple Card simply because that transaction would of put me over my spending limit. 


These reckless charges were not made by myself of anyone I know of. It is purely scam or fraud. I have since turned off my Apple Card and I look forward to closing my account once this matter is resolved.
Consumer complaint received 2022-11-30
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. (NJ)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and 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 XXXX 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 item 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. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (MO)

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 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), failed to disclose material facts to Buyer ( s ).

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), intentionally failed to disclose written copy of tenant requested repairs for missing heater that created substandard dwelling to Buyer ( s ) and resulted in eviction of tenants after sale of property.

SPS failed to disclose known material facts to Buyer ( s ) that in turn resulted in financial harm to tenant ( s ). 
SPS knowingly failed to properly dislose material facts even after SPS received CFPB complaint on XX/XX/ ( XXXX ) requesting proper disclosure of necessary repairs and lease prior to the sale of property.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it bank of America shouldn't be on my credit report I paid my XXXX  balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I am writing to address an error in the reporting of my account with your institution. My credit report shows a late payment on CBNA XXXXXXXX, which is inaccurate. Upon reviewing my records, I discovered that there was an error in processing my payment on your end. I kindly request that you rectify this error and update my credit report promptly
Consumer complaint received 2017-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

On  XXXX   XXXX ,   XXXX  , I mailed a certified cashier 's check in the amount of {$300.00} to  PayPal Inc. Attn : Accounting   XXXX .  XXXX   XXXX   XXXX ,  XXXX   XXXX  in order to cover for the negative balance on a family member 's linked account,  XXXX  XXXX  XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by  PayPal. T he family member lived with me for about a year or so, and then moved out.     On  XXXX   XXXX ,   XXXX  , I opened a new  PayPal ac count to continue my business (  XXXX  XXXX  XXXX   ),   but I did not begin using it until  XXXX   XXXX ,   XXXX  , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on  XXXX   XXXX ,   XXXX    (  3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with  PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal  with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation.     At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that  I did ).  However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue.  PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal  account (  XXXX  XXXX  XXXX  ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money.  PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be.     Thank you for your time and consideration.