davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and XXXX  Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to Transunion
Consumer complaint received 2021-06-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (SC)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX, VA took over my mortgage loan from TIAA  Bank. I paid off my Mortgage through a refinance. THERE IS AN OVERPAYMENT BY THE NEW MORTGAGE COMPANY OF {$1500.00} AS WELL AS {$1100.00} ESCROW BALANCE AS OF XX/XX/21. NEED YOUR HELP AS NEITHER LOANCARE LLC OR TIAA BANK HAVE ANY WAY OF BEING CONTACTED e-MAIL OR TELEPHONE. PLUS THERE ARE HUNDREDS OF SIMILAR ONLINE COMPLAINTS ABOUT THIS GROUP.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently informed that there is negative information being reported by Credit Bureau under my social security number. On XX/XX/2020 this account XXXX XXXXXXXX XXXX in the amount of {$3300.00} was reported to my credit report. Please advised that this reporting is incorrect, error, or fraud.
Consumer complaint received 2021-06-24
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. (KY)

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-06-24
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: Bread Financial Holdings, Inc. (CA)

I am a frontline essential worker during the pandemic. I work as a caregiver and was negatively impacted by COVID 19. Worked full time to care for XXXX patients and elders. During the pandemic I lost many of my patients due to COVID resulting in loss of income. I had three late payments posted by Comenity bank resulting in credit score decreases making it even more difficult for me to get back on my feet. I reached out to ask for some relief during this time and they were unable to help me.
Consumer complaint received 2021-06-24
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. (FL)

The information on my credit file is not 100 % accurate and not 100 % verifiable under the Federal Fair Credit Reporting Act ( FCRA ) promotes which the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Please review and remove all inaccuracies and unverifiable information.
Consumer complaint received 2021-06-24
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

This issue is the account for the purchase of {$15.00} on XX/XX/2019. The purchase was misleading and threatening. The check-out lady told me if I APPLIED a credit card, I will get a discount. She did not explain in detail, I was being charged with this card and I need to pay it off later. Even, I remembered, I swiped my debit card when I checked out. This is my 1st credit card I ever applied, and the fault was with Forever 21, I did not even know I was being charged or put into a credit card loan. 

Also, the charge was ridiculously more than triple with interest after a couple of months. I still remember, it was XXXX of the purchase and after couple months, I paid more than XXXX dollars at the Forever 21 's XXXX CA store after a month, and then another more than XXXX plus dollars I paid after another month or so at Forever 21 XXXX store again, saying I paid in short. When I think back, it is absolutely a fraud or robbing, plus threatening. Forever 21 's credit card company : Comenity Capital Bank, is using Fico Score system to threatened and charged high interest money making system for themselves. When if you owed them a little money, they will try to double or triple, and at the same time report to credit bureau to ruin your Fico Score. OR, they should held responsible to my credit score and life, for any of my future home and car financing with higher interest rate.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc (IL)

I closed my chime account in XXXX and have tried disputing it 3 times with XXXX. Unfortunately theyre not removing the chime account. Instead they removed my current credit card by XXXX XXXX, XXXX.
Consumer complaint received 2021-04-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

1- Customer Service is not available. Contacting the LoanCare Mortgage experience is horrible ; robot/ answered machine lead to end calls. Last month, waiting time prompt as 1 hours!. After several temptations, I had to call the previous mortgage (? ) to connect to this mortgage ( HomeLoan ) (?? ). The process took 3 days with many long waiting time. Just today, wait time estimated about 2 hours because technical problem.

2- Menu changed to unfriendly used. Took out the options from original loan, which is I can make extra payment occasionally. It changed to default monthly. In the other hand, I feel this change is a dishonest business.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have previously submitted a complaint to Bank of America using this service ( complaint ID XXXX ) to get a response from the bank for several claims I had made since XX/XX/2020. They allowed someone to access my account over the phone and provided them with a temporary credit of around {$5000.00}, which they withdrew immediately. After I had let them know that I did not call the bank to request this money, they then removed the credit, which left me with an overdraft fee off {$4900.00}. I am now expected to pay this amount even though it was Bank of America 's fault for allowing someone, who was not authorized, to access my account. With your help I was able to get a response for my complaint. However, they failed to even address any of my complaints. They believed that I was requesting monetary compensation, which I never asked for. They obviously denied this compensation. I never asked to be compensated with the amount. My request was to have this overdraft fee removed since I was not the one who requested it in the first place and I wasn't the one who withdrew it. I want this overdraft fee removed so that I can lose all ties with Bank of America. They have lost my trust and loyalty due to their negligence and terrible customer service. I want no connection to them anymore as they have caused me so much stress and pain. The response to the previous complaint that I made using this service included a phone number that I could reach if I had any questions or concerns, but I have been calling this number almost everyday for the past month and it just send me directly to voicemail. I have not been able to contact anyone from Bank of America to address my concerns because they made it impossible to connect with anyone. I want them to know that if I am unable to connect with someone from the Bank, I will result to using other means like contacting the local news stations.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.
Consumer complaint received 2021-03-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-08-08
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2021-06-24
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. (NC)

I called TransUnion XX/XX/2021 to update personal information, remove unvalidated alleged debt and have adverse information removed from my credit file. The agent refused to delete my date of birth as I requested pursuant to FCRA USC 15 1681 and violated my consumer 's right to privacy. I then requested a supervisor. The supervisor also refused to remove adverse information and reports that I never provided written instructions for TransUnion to furnish to my consumer file pursuant to USC 15 1681b. TransUnion willfully furnished medical information which violates 1681a ( 3 ) Restriction on Sharing of XXXX XXXX. I asked the supervisor if TransUnion had written consent from me the consumer to furnish any factual and private information to my credit file. He stated that the consumer 's written consent isn't required for TransUnion to furnish private information to a credit file. Furnishing an unvalidated debt is fraud pursuant to 1692g.
Consumer complaint received 2021-03-18
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. (GA)

This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.
Consumer complaint received 2023-03-31
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. (NY)

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-06-24
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. (TX)

Over thirty days ago, I wrote to each credit reporting agency XXXX TransUnion, XXXX, & XXXX  XXXX indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 TransUnion, XXXX, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, TransUnion, XXXX  , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from TransUnion, XXXX, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely. they have to follow the FCRA LAWS!
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (NY)

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 2023-03-31
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. (LA)

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

HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSU
MER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid 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: U.S. BANCORP (OR)

I did not order XXXX 's and I was charged XXXX $ for XXXX XXXX XXXX I ordered from XXXX and was overcharged by XXXX $ + in one day. I have multiple purchases XXXX XXXX unknown services that I never utilized or come nsumed. Also I never received an end x certificate from XXXX online. XXXX $ charged though. I also did not take out {$1000.00} from any ATM ever. Also I w as CH argued for a week ly fXXXX XXXX subscription which I on several occasions called to cancel service web site advertising suggests that the cancellation s areceasy and fast guaranteed at anytime. The co marely and spoon however could not locate my account so I was not cancelled like web site promimises. XXXX a week.for XXXX weeks. Also there are a lot of mistakes I an disputing with USBank reliacard asap. 
I just wanted to let ya all be aware so that I'm following legal cha -nnels got go fix my sabatgoed by whomever did these llegal trans. 
To my accountso I can have the bankhurry to reinstate funds to my credit account.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT BUREAU OF FARMINGTON, INC (NM)

CBF Services is reporting collection accounts on my credit file that need to be removed. I recently took a look at my credit and noticed a few collections reporting on my file. I however, never received any calls or notices about this debt. This violates my 30 day right to dispute under both the FCRA and the FDCPA. Since it is now reporting on my credit regardless, I ask that they provide validation. This is not a request for verification of the debt but validation that I have any legal obligation to pay CBF Services. Reporting invalidated debt to any of the three major credit bureaus can constitute fraud under both federal and state laws. If any negative mark continues to report on my credit I will not hesitate in bringing legal action for violation of the FDCPA. During this validation period all credit reporting should cease and desist. If validation can not be made within 30 days, all references to accounts must be completely removed from my credit file.
Consumer complaint received 2021-03-18
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 (VA)

On XX/XX/XXXX I attempted to re-access my " XXXX XXXX '' account, and received a statement via email : " Your XXXX XXXX account has been closed and can no longer send or receive payments.

Reasons for this decision may include your account history, transaction disputes, or other violations of the XXXX Terms of Service. 

We can not provide further details regarding our decision, which is final. We are unable to reactivate the account. '' In XXXX XXXX I received similar cancellations from PayPal and had several XXXX XXXX " frozen '' for 90 days, then never returned to me. I've contacted PayPal several times to try to resolve this, but never get anything except for form letters in response and " there's no further information ''. 

In the Fall of XXXX, I had my Venmo account frozen with a similar result, only I was able to withdraw all outstanding funds. 

I have NOT conducted any business that is in violation of the terms of service for any of these organizations. There is no information given as to WHY my accounts were frozen/locked/canceled, and I have no recourse to reopen new accounts.
Consumer complaint received 2017-11-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I 'm XX/XX/XXXX I filed a dispute with Equifax, XXXX, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.
Consumer complaint received 2021-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-23
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. (FL)

I have XXXX XXXX on my credit report, but I have no no knowledge of this account. Please validate in detail and remove from my credit report.