davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION (GA)

On XX/XX/XXXX my identity was compromised and I called all the companies that had a hard pull application out on my name and froze all 3 of my credit reports. On XX/XX/XXXX I noticed a soft pull from Oportun. I gave them a call to let them know that my identity had been compromised and to confirm that no applications in my name were made. They informed me that they could not locate an application in my name but would escalate to their high risk team and took all my information. I never heard back from them. On XX/XX/XXXX I received a notification from XX/XX/XXXX that Oportun requested a hard credit pull but it was blocked due to the credit freeze I had on my account and they were unable to get access. I didn't think much of it since the hard pull did not go through and I had informed them of potential fraud attempt in my name on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Oportun in the mail that they processed a request to change my address on my account that I never opened and only way I knew an account was opened was based on that letter. I called the company and eventually spoke with a supervisor. The supervisor stated that they would have been unable to flag any fraud under my name until an account is actually opened. If a consumer calls you to inform you of identity theft and you do nothing to prevent fraud being done through your company that is not safe for any consumer. The supervisor also confirmed that they opened an account in my name on XX/XX/XXXX. I requested that they close the account and she did and she also sent my information to the fraud team as there is no one on that team to speak with over the phone. How does a financial organization not have a fraud specialist that you can talk to on the phone? The fact that they opened an account in my name when my credit is frozen or based solely on a soft pull is unacceptable. They need to close the account permanently and I should not be liable for any charges the person who made the fraudulent account made while the account was open. I called back on XX/XX/XXXX and the supervisor I spoke to them confirmed that the person had made {$11.00} worth of charges but would not provide me the full card number. What kind of company does not have a fraud team that you can speak to? What kind of company when you inform them that your identity has been compromised 4 days before an account is opened allows an account to be opened? Their customer service team and system is not equipped to protect victims of identity theft from having an account open in their name. The fraudster tried to open 5 accounts in my name and the only one where they were successful was Oportun due to their lack of controls and fraud prevention.
Consumer complaint received 2022-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I have contacted company directly to try resolve matter and their attorneys. I offered to pay an agreement or pay what the property is worth after they do an interior appraisal. I can get financing from other sources. I have family members willing to assist me. Although the bank knew and knows that I am the deed holder. They have not afforded me a post Covid conference, amended me to foreclosure or any other required provisions in banking law for foreclosures. I am not sure if this loan is a FHA Loan. I Have not been able to ascertain any proof of debt from lender or their attorneys.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

N accordance with the Fair credit reporting act XX/XX/XXXX Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) # XXXX XX/XX/XXXX# XXXX # XXXXXX/XX/XXXX # XXXX XX/XX/XXXXXXXXXX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a 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
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/22 I received email alert unauthorized credit inquiry from bank XXXX XXXX was made to my consumer file on Transunion. That following Monday I contacted Transunion fraud dept requested remove any fraud inquiry and block access to my file from public. Transunion rep tells me they have no control wouldn't be able to assist me to contact bank XXXX XXXX directly. I spent over 3 hours on phone with bank XXXX XXXX after many transfers to different depts bank XXXX XXXX was unable to provide how they got access to my consumer file on Transunion. I called Transunion back asked to speak to manager after explaining my personal info is exposed in data breach and other credit bureaus blocked access removed all fraud inquiries I requested Transunion to do same. Transunion manager tells me they're unable to fulfill my request and disconnects call
Consumer complaint received 2022-06-05
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 (PA)

I opened a PayPal digital credit card account. All was fine until I received a notice that my account had been closed. I made several account payments which were documented in the system. 

I called my bank as instructed by a PayPal representative because they were stating that it was my bank and not their system. I did and my bank conducted a series of test and came to the conclusion that it was definitely PayPals system. I spoke to several PayPal representatives and explained the issue. My XX/XX/XXXX account checking account could not be attached to PayPals wallet. 

Without notice from PayPal my account was closed! There reasoning for closing I never received any prior notice. Also, I noticed I was receiving notices that payments were received from PayPal. They are claiming they never sent those notices!
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (MN)

in accordance with the fair credit reporting act Experian, XXXX, XXXX XXXX has violated my rights. by reporting, XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions
Consumer complaint received 2022-06-05
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. (MN)

in accordance with the fair credit reporting act XXXX, XXXX, Equifax XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (RI)

I opened an account with Citi Bank on XX/XX/XXXX with an introductory offer that promised a {$700.00} bonus deposited to the checking account if certain terms were met. The terms were to deposit {$50000.00} into the account within 10 days, and keep the funds on deposit for 60 days, and then the bonus would post 90 days after that. I met all of the terms of opening the account, but Citi has not posted the bonus to my account. 

I reached out to Citi on XX/XX/XXXX to confirm that I had met the bonus terms and ask when I can expect the bonus to post, since it was already late in accordance with the terms. On XX/XX/XXXX, the Citi customer service rep confirmed that I had met the terms of the bonus and that I would receive it by the end of the month ( XXXX ). It is now XXXX, and I haven't received the bonus in accordance with the terms.
Consumer complaint received 2023-06-27
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. (OH)

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ). 
1 ) Acct # XXXX XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that these accounts be deleted immediately
Consumer complaint received 2022-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: General Motors Financial Company, Inc. (AZ)

The GM FINANCIAL with account number XXXX appears to be a charge-off account with a specific balance of {$6300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I tried to contact all 3 credit bureaus on XX/XX/XXXX of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MS)

Midland Credit Management : 1 ) Is still reporting on my credit file illegally. 

2 ) Them removing themselves after confirming the original creditor has been paid, is not contingent on whether they get paid. this has nothing to do with me. Thats an issue between them and XXXX who they had a contract with. 

3 ) They also refuse to remove them selves as a form of retaliation. 

4 ) Should be fined at the highest possible level for retaliation, false reporting, and lying to the CFPB. 

5 ) Fined for not immediately removing themselves from my credit file, by continuing to do me serious harm credit wise. My credit score is lower because of this intentional false information
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

in accordance with the fair credit reporting act XXXX, Transunion, XXXX XXXX has violated my rights. by reporting, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy chapter XXXX. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

My account was hacked on XXXX XXXX XXXX. My bank details were changed, and money was transferred out of {$4000.00}, as well as a temporary card requested in order to make 7 purchases for {$6000.00}. All unauthorized. I contacted Chime asap to request all my details be put back to mine so I can go back into my hacked account that had been wiped out. I changed my password, and put a stop to the temporary card that was used for fraud and in which the transactios were still pending. My debit and credit card were canceled, and new ones were sent out. I was only refunded part of my dispute and am seeking the rest of my unauthorized charges back which is {$6000.00}. 
I sent all proof Chime needed in order for me to be protected and obtain all my funds back as promised in Chimes website under disputing fraudulent activity, with no resolution still. 
I filed a report with the consumer financial protection bureau, Federal Bureau of Investigation, police station, Florida dept. Of law enforcement, XXXX, and FTC. I notified the credit Bureaus as well and identity theft. XXXX. 
I appreciate your help.
Consumer complaint received 2022-06-05
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)

Equifax is reporting a collection account from XXXX XXXX XXXX on my personal credit report. This info is not mine and must be from ID theft or reporting on my reporrt when is is someone similar
Consumer complaint received 2022-06-05
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. (FL)

XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 filed identity theft report with the federal trade commission {$390.00} {$500.00} acct number XXXX XXXX XXXX XXXX acct number XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX wa XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (TX)

I went into a settlement with Prosper in XXXX of XXXX. My monthly payment went from {$600.00} to {$420.00}. Since XX/XX/XXXX, I have paid the agreed-upon amount per my settlement agreement each month. The final payment was made on XX/XX/XXXX and Prosper has shown me late each month since XXXX of XXXX. I have the settlement agreement and the bank statements showing that I have never been late with this account. I have tried to get Prosper to correct this many times and they will not. I have also tried to dispute this with no help from the 3 credit bureaus.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

in accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX XXXX and XXXX XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant without my written instructions
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts # XXXX, # XXXX, and # XXXX, have 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.
Consumer complaint received 2022-06-05
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. (NY)

I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXX Credit Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as " XXXX XXXX XXXX XXXX '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXX Credit Account '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXXXXXX account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

Approx XX/XX/2023 I received notification of {$2000.00} transfer to my CashApp account. 
Using the app I tapped the prompt to retrieve funds. A message said they had already been claimed. 

I contacted the support who authenticated me then said I wasn't eligible to continue for security reasons.
Consumer complaint received 2022-06-05
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. (NY)

I have a XXXX account that I opened XX/XX/XXXX. Apparently, XXXX changed the banks the company uses for purchases on several occasions and every time this happens XXXX reports to the credit bureaus that I closed my account. From my understanding, the letter I received from XXXX about these changes stated that I will continue to have the same customer number, but they will provide me with a new XXXX account number. The issue is that on my credit report it shows my XXXX account that I originally opened which listed as by " XXXX XXXX Credit Account '' on XX/XX/XXXX. This account was fraudulently reported as being closed on XX/XX/XXXX. Another XXXX account listed as XXXX XXXX XXXX XXXX XXXX  '' was fraudulently reported that I opened this account on XX/XX/XXXX, following the " supposed '' and " fraudulent '' closure of the previous account which was fraudulently reported as being closed on XX/XX/XXXX. This account was also fraudulently reported as being closed on XX/XX/XXXX. Lastly, another XXXX account listed as " XXXX XXXX XXXX XXXXt '' was fraudulently reported as being opened on XX/XX/XXXX, which contradicts the previous reported date of my XXXX  account being closed on XX/XX/XXXX. This account is reported as still being active. My customer number on these accounts did not change, but there were changes to me XXXX account number on all of them. At the moment I do not have access the different account numbers that were provided to me. I am currently trying to retrieve them from XXXX.