davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Yes I received my Capital one credit card a week ago activated it and set up everything for the account alerts, verified email, and verified my mobile number and its set up at priority. I used the card at a gas station for the first time after this first and ONLY PURCHASE I had to call to verify that I was making the transactions and it was not fraudulent which I told them I was the one who is using the card and I was authorizing the transactions NO FRAUD WAS BEING DONE!!! Told account was verified and restored for use well it's not worked at!!! 

I'VE CALLED OVER 50+ TIMES AND CHATTED OVER 20+ TIMES AND KEEP GOING THROUGH THE SAME THING AND KEEP GETTING TOLD ITS FIXED AND RESTORED FOR USE BUT IT'S NOT I DON'T LIKE BEING LIED TO!!!! 

I'm getting alerts that are set up it's just not right and no one person should have to go through this or keep having to do it there is nothing saying anything about it being restricted
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX I deposited a check for an amount of {$XXXX} at a USAA ATM machine in XXXX. When I deposited the check only a portion of my check was made available. I immediately called USAA to understand when the funds would be released. The USAA representative expressed that the full amount would be available the morning on XX/XX/XXXX. That next day my account indicated that I had an available balance of $ XXXX in my account. I went on to make payments and my debit card went through on all occasions. Later that day I went on the app and noticed that there was still a hold balance on {$XXXX}. However, my available balance still read that I had $ XXXX available. I called USAA and another rep stated that the check was being held until XX/XX/XXXX which went against what I was originally told. I was irate as this negatively impacts my finances as we are approaching XXXX and the holiday season. I have travel plans arranged and now am unable to follow through with those plans. They indicated that they could not make an exception and that it would be escalated to an advocacy group which will take up to XXXX business days. Given that is a Friday it would not be until next week. Now my account is in negative standing and I have XXXX access to funds and unable to celebrate the holidays with my family. I paid a large bill using another account thinking that the check would clear and am now stuck with {$XXXX} going into the holidays based on FALSE information by a USAA representative.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint about transunion credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my transunion credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with TransUnion and was told I need to speak to XXXX XXXX. XXXX XXXX told me I need to clear it with TransUnion. This is a circle and Im getting nowhere.
Consumer complaint received 2023-01-16
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)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX OF 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX XXXX  Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter on ( XX/XX/2024 ) to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2019-12-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I am attaching more documents. I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/2019, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. MyXX/XX/2019 payment was due. On,XX/XX/2019 I paid the XX/XX/2019 payment on XX/XX/2019 which put my account into a current status. My next mortgage payment was due on, XX/XX/2019  The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/2019, just days after my account was put in current status the troubled loan servicer created a XX/XX/2019, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/2019, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/2019, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/2019 letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/2019, immediately.
Consumer complaint received 2018-03-02
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: BB&T CORPORATION (OH)

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX  again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX removed no action taken.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

My account was compromised in XXXX of XXXX  and now I have XXXX me I owe a balance or XXXX or more and have yet to tell me how or why even after I made multiple attempts to contact and have my account checked on because I was receiving notifications that my account is being used and I had no way to login or even take my multiple debit and credit cards off of the account
Consumer complaint received 2023-01-16
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)

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (TX)

This is my 5th 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Yesterday morning, I attempted to freeze my credit on line at Equifax. It put me into a loop that they could not process it at this time and to try later. After several attempts to try later, I called the number given for customer service. They said their system was updating and to try again in 30 minutes to 1 hour. I tried again in 1 hour to the same results. I then waited overnight and tried this morning at XXXX CST with the same online loop, then the phone call to customer service, where they said they were updating and could not access any files, so try back in 30 minutes to 1 hour, or try the automated system. I called the automated system and when I pushed the selection for credit freeze, it froze the line to dead air. I waited 4 hours and tried again on line ( to the eternal loop ) and called customer service, who told me they were updating their system and to call again in 30 minutes to 1 hour. I called the automated system and, when I got to the dead air point, I waited it our for 45 seconds and then got to input my street number and SSN to order the freeze, after about another 45 seconds of dead air, the voice came on to say they couldn't process my request at this time. My guess is that if I wanted to purchase some product of this bureau everything would worked fine. All I want is to put the freeze on my credit as I did with the other two credit bureaus.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

IN accordance with the fair credit reporting act this creditor has violated my rights under 15 USC1681 section 602, states I have the right to privacy. 15 USC 1681 SECTION 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 a creditor may not treat a payment account on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-01-16
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)

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXXXXXX 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 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Starting XX/XX/19 at approx. XXXX est, I attempted a purchase at XXXX for under 10 $ an amount that I was certain to have in my available balance, at minimum. This transaction was declined. I then attempted to log into the mobile app to verify I hadnt made an error. I was given an error message stating the mobile application is offline for scheduled maintenance. I tried to log into the website and seen a message there also that in general terms said the same, however stated the use of my card during this process would not be affected. I then decided to contact AMEX customer service where the representatives were answering calls with a pre determined response then immediately disconnecting without allowing customers to speak at all. On the 3rd call, I was forceful and prior to the rep disconnecting I demanded to be heard. She listened and then spoke telling me all cards ARE affected, and can not be used in anyway!! Imagine my frustration, and others, the website is falsifying the info, and no one has given any clear resolve yet as of XXXX est! I still have no use of my funds, no understanding of what has happened nor when to anticipate a fix.
Consumer complaint received 2023-01-16
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. (TX)

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX 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
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Loan Type XXXX XXXX ACCOUNT Updated XX/XX/XXXX past due {$430.00} Original Creditor XXXX XXXX  Past Due {$430.00} PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-01-16
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: PENNYMAC LOAN SERVICES, LLC. (AZ)

This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with Penny Mac ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. 

I believe this adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit report.