davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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)

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 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 2020-03-22
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. (TX)

ftc some 180 days us dept of ed XXXX XXXX XXXX XXXX removed and put back on unlaw act violations of FTC CFPB and other government agency pick one
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a fraud discrepancy with Bank of America in the beginning of 2019 ; I went to the bank for help but they shut my account down and marked it on my XXXX XXXX as fraud. Now I tried speaking to them but only could help if I currently have an account.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 my account was overdrafted by the end of business day due to a bill submitted by a merchant. The bank claimed that whenever a merchant submit a bill, they don't verify against your checking account and it only gets processed by the end of business day. That act caused my account to be overdrafted without any notification from the bank, so I could cover the charge and avoid being charged an overdraft fee. I have contacted chase and they have refused to overturn the fee.
Consumer complaint received 2022-12-31
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see CFPB complaint XXXX XXXX I submitted XX/XX/2020THIS HAS BEEN 30 Days Ago. Why has there been NO RESPONSE TO COMPLAINT USAA PROVIDES ME ** NO ACCESS DUE TO MY XXXX.??? ( Members not XXXX have 24/7 ACCESS ). I HAVE NONE. see detailed account of no access in this complaint. USAA DENIES ME MY CIVIL RIGHTS DISCRIMINATES AGAINST MY AGE AND XXXX WITH NO ACCESS THAT ALL OTHERS ARE PROVIDED. EVERYONE NEEDS ACCESS TO THEIR BANKING! I AM A VICTIM ( XXXX YEAR OLD ) OF ID THEFT WITH NO ACCESS TO REPORT OR PROTECT MY SELF FROM FRAUD AND NO RESOLVE WITH USAA??
Consumer complaint received 2020-03-22
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: Fidelity National Information Services, Inc. (FNIS) (MS)

I disputed these Inquiries on my credit report however the bureaus will not remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX, REMOVE PHONE NUMBER ( XXXX ) XXXX REPLACE WITH ( XXXX ) XXXX, REMOVE NAME SUFFIX ( XXXX. )
Consumer complaint received 2022-12-31
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. (GA)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2020-03-21
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. (OH)

Good Afternoon, Submitted Ongoing dispute : EQUIFAX DISPUTE # XXXX and XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute XXXX XXXX as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with XXXX payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

XXXX XXXX : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX Bank is now servicing my loan as of XXXX. 
On XXXX I recieved notification from Equifax and XXXX that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX  suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I lost my job during the pandemic and couldnt pay for my studies anymore. 
I created a paypal private fundraiser to receive donations however once I did receive money paypal blocked my account and I couldnt access the funds/ donations. 
I was told that money will be available in 180 days now to my big surprise I logged into my account and found out that paypal STOLE ALL DONATIONS I DID RECEIVE THEY PUT A NOTE THAT I VIOLATE USE POLICY? ARE THEY CRAZY???? 
MY PAYPAL FUNDRAISER WAS APPROVED? WHAT VIOLATION? PAYPAL ARE CRIMINALS THEY MAKE UP THINGS TO STEAL PEOPLE MONEY! 
GIVE ME MY MONEY OR NEXT STEP IS THE FBI!
Consumer complaint received 2023-05-06
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched on how to remove the fraudulent items in my report and found that I need tovisit XXXX XXXX XXXX or https : //www.ftc.gov to file a report and Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed onan id theft report. Please find the ATTACHED documents to assist in blocking of theerroneous information which is being posted to my report. Here is the list of items that donot belong to me or were opened without my permission. XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX NY XXXX, XXXX NY XXXX XXXX NY XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than 4 business daysafter the date of receipt.
Consumer complaint received 2020-03-21
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. (FL)

I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2021-07-26
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. (PA)

I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (OH)

Someone stole my identity and opened up accounts with XXXX and US bank. It was a XXXX  liquid account and I am being held responsible for debt I dont owe nor approved of. I filed a report with the police.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Request was made on XX/XX/20 seeking loan forbearance to delay mortgage payments during the COVID-19 pandemic. I've been furloughed with reduced income. My monthly payment is {$2100.00}. Many lenders are allowing forbearance, whereas Rushmore Loan Management Services refuses.
Consumer complaint received 2020-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (WV)

Two years ago, I had XXXX internet service. My satellite had to be worked on more than once, resulting in loss of service and even on most days I didn't have service any way. The last representative I spoke to told me my satellite never worked correctly in the first place and he waived my early termination fee. But every so often, they still turn it over to a collection agency, I have to make angry calls, and then the Bill disappears. They have done it once more and I am just so tired of it.
Consumer complaint received 2023-05-06
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. (PA)

I noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX account. XXXX  XXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Consumer complaint received 2022-12-31
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)

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 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 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IL)

Ally servicing was recently contacted by your company as far as harassing phone calls. The biggest issue, was calling on Sundays. XXXX and behold, not even a week or XXXX later, not only did their corporate leave me a voicemail, they called yesterday SUNDAY!!! at XXXXXXXX XXXX This is going beyond harassments. Is it too much to ask, that since they call XXXX times a day, EVERY day, starting ONE day after my payment is due, to not be called on a Sunday???
Consumer complaint received 2024-04-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (TX)

Debt was removed and now has been re added to collections. FCRA violation as I've never received the five-day letter required by the FCRA to give you notice of the reinsertion, please re-delete the disputed item.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to express my concern regarding this unauthorized and fraudulent inquiry ( XXXX  XX/XX/XXXX  ) on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of this item, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate this entry. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2020-03-21
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. (CA)

A fraudulent account from XXXX XXXX is reporting on my credit. I did not live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

I made a payment in full on my account on XXXX XXXX, 2020 for {$1600.00}. the amount was deducted from my bank account XXXX XXXX, 2020. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is XXXX affecting my credit and we are trying to prepare to make a home purchase. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CO)

While I was disputing charges on my final invoice with XXXX XXXX XXXX XXXX, the collection company Enhanced Recovery Company , LLC, ( ERC ) added the XXXX XXXX XXXX account as unpaid with all 3 credit reporting agencies. I never received any documents, invoices, or any contact from ERC regarding the mentioned account. Additionally, I was in the process of resolving the issue with XXXX XXXX XXXX directly. I never received any documents from ERC to dispute this account, which they are required to do by law.
Consumer complaint received 2023-05-06
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I recently went to XXXX XXXX XXXX XXXX as my mother wanted to add me as a beneficiary on her checking account. The representative we worked with successfully added me to the account. However, when I returned home, I received an alert from Experian saying that I had a hard credit inquiry from XXXX XXXX XXXX XXXX. We were never told that XXXX XXXX XXXX XXXX would run a credit check on me, and also were not even aware that this was part of the process. The representative at XXXX XXXX XXXX XXXX we worked with made no absolutely reference to this at any point and I never was asked or consented. I have set up checking accounts at other banks and a credit check was never run. I called XXXX XXXX XXXX XXXX several days later and they indicated that it was part of their process, but again, they never indicated to us that they were running it and I would have refused this.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I filed numerous disputes and complaints against XXXX  requesting verification of the information that is on my credit file in absence of that i requested them to cease and desist furnishing my info on my credit report without my consent this is a violation of consumer law 15 usc 1681b permissible purposes
Consumer complaint received 2020-04-01
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. (NC)

I previously sent two dispute letters to Experian disputing the negative items on my credit report but they sent me a response letter back on XX/XX/XXXX telling me that they won't we reinvestigate into the matter.
Consumer complaint received 2020-04-01
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: Experian Information Solutions Inc. (AR)

My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}