davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (SC)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-11-23
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: SYNCHRONY FINANCIAL (NV)

This is my last attempt to rectify this situation with Synchrony Bank before seeking legal action. I have disputed this information numerous times also sending a FTC affidavit to the credit reporting agencies with my dispute and in return i receive this pre-made response stating " VERIFIED ''. I have reached out to Synchrony Bank concerning these accounts and no one could find the accounts. My name and address does not match any information in your system nor have I called Synchrony Bank to give any of my personal information to anyone at Synchrony Bank including demographic information. Credit reporting agencies do not do a thorough investigation. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am a nevada resident and have been for over 10 yrs. I am requesting a credit agreement with my signature, a signed application, proof that I was the one who agreed to open the accounts, I want to know how was the account opened was it online or in person, I want to know was there a utility bill of some sort sent in for verification, was there a passport or id sent in both are acceptable for verification. The burden of proof is not on the consumer if the consumer did not open the account. The consumer will have nothing to show if the credit account is due to identity theft. The accounts that are in question : XXXX  XXXX XXXX of XXXX and walmart XXXX of XXXX. I do not have a credit card number to any of the accounts so I can not give information to something I did not open nor do the credit bureau have an account number on my report at least not a full one. Do not attempt to change the address in your files to match whats in your system. My Nevada address is solely for you to correspond with me. If XXXX  XXXX attempts to do so this will be considered fictitious malpractice on XXXX  XXXX and I will contact the Federal Trade Commission and the Attorney General Office.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted transUnion to remove this inaccurate information and they responded by saying it was verified and would remove on my record and it was not verified please remove this information or provide the court that provided this information but the court does not supply information to the credit bureaus. Please remove from my pubic record. Its a violation of the FCRA LAW.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

I have sent disputes to verify and validate this collection several times. I am a victim of identify fraud which is documented on my credit reports too. This has a collection that does not belong to me and was opened fraudulently I have no knowledge of this debt
Consumer complaint received 2021-12-11
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. (GA)

I have called TransUnion to get 5 items disputed off of my credit report ,4 XXXX XXXX  and 1 XXXX XXXX Co, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Co XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called XXXX as well to get 4 items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent
Consumer complaint received 2022-05-24
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 ()

I believe that it was a mistake to permanently limit my PayPal account. I am using my Paypal account for my online business in XXXX XXXX since XX/XX/2022. My paypal account : XXXX has stucked and hold funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2022-05-24
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. (LA)

I went to a dealership to get a car at XXXX and now I have 4 Inquiries. 
XXXX XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have a few here that was never given permission for XXXX XXXX and XXXX, XXXX
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (MT)

We received a notice on XX/XX/XXXX21 from American Coradius International LLC Dated XX/XX/XXXX21 stating they are collecting a debt to XXXX XXXX XXXX of {$210.00}. 

I called XXXX, XXXX on XXXX/XXXX/21 and verified that I have no negative balance in my accounts with them. The XXXX Representative said they do not use XXXX to collect debts and that this sounded like Fraud and that I should report this incident to the Authorities. 

I'm guessing I have become a victim of identity theft, or that XXXX is just a scam company. 

I will be calling XXXX on Monday XX/XX/XXXX21 to formerly dispute this claim.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (TX)

I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXXXXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.
Consumer complaint received 2021-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

XX/XX/XXXX, I called XXXX due to an account opened in my name through a Capitol One credit card, which I never opened. The account, according to XXXX, was opened in XXXX and was used through XXXX of XXXX. After that, who ever opened it, stopped making payments and leaving a balance of {$13000.00}. There were two addresses on my credit report that were not mine, possibly the credit statements were going to one of those addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have been in contact with a company through Captiol One who was working on this fraud and also Capitol One. I just received a letter from Capitol One with their belief that there research found no signs of fraud and will not release my name from this debt. 
I have never lived at those addresses and I never had a Capitol One credit card. The only way I think this happened is, I volunteered at a XXXX XXXX XXXX in XXXX Oklahoma and one of their employees added my name to a credit card and used it. It is the only connection I an make to this mess.
Consumer complaint received 2022-12-16
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. (IL)

Hello. This is not filed by a 3rd Party or a Credit Repair Facility. 

I just received a copy of my Credit Report and there are some accounts that violate my rights. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below has 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Please provide me with 4 pieces of information regarding all of these accounts below.

1. The Original Contracts of these accounts with my signature on it.

2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 

4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 


1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX. Account # XXXX Account XXXX : XXXX
Consumer complaint received 2022-05-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received from Bank of America, Alaskan Mileage Plan. Statement payment information a account number for Visa Signature. I contacted Bank of America today XX/XX/2022 this is the day that I received the statement through the mail credit line of {$10000.00}. I was told by Bank of America that also a MasterCard was opened up in my name for the dollar amount of {$10000.00}. No charges have been made on either cards.
Consumer complaint received 2022-10-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX .... Balance {$6500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX  Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX Date of request XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/2020 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-16
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. (FL)

My identity was stolen in XX/XX/XXXX. I discovered it XXXX XXXX, XXXX and notified the 3 major credit bureaus and every single institution that ran a hard inquiry or opened an acct. I did both online and by sending letters via US mail. I also placed alerts and freezes with all 3 agencies. I filed a report with FTC as well. 

Unfortunately, XXXX XXXX XXXX issued a fraudulent acct. with my stolen personal information due to lack of diligence on their end. Fraudulent charges of $ XXXX were charged in my name. This dropped my credit score from the low XXXX to XXXX and placed me in a " poor credit '' category. This affected both my personal life and my XXXX XXXX 

After several months of following up with XXXX XXXX XXXX XXXX, they finally issued a letter stating the account was not mine. They also said that they notified the 3 credit reporting agencies to remove the account and hard inquiries. XXXX XXXX and XXXX have done so. Equifax has not removed the fraudulent account despite both XXXX XXXX XXXX and myself requesting it. 

Equifax 's online system does not allow me to upload the letter from Consumers requesting the fraudulent account be removed or the additional back up emails that I have confirming the account was opened with stolen personal information. I have tried to reach them by phone but the hold time is unreasonable. 

I am requesting that the fraudulent account and other hard inquiries obtained from XX/XX/XXXX - XX/XX/XXXX be removed and my original credit score be reinstated.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

Email : XXXX ( XXXX XXXX )/ XXXX ( XXXX XXXX ) Zelle XXXX ID : XXXX Phone : XXXX XXXX On XX/XX/22 my son was incarcerated at XXXX XXXX XXXX XXXX The arrest information including his address was made public by the jail which is how this person knew to contact me. I had made several calls to local bail bondsman about the case and this person called at about XXXX XXXX  and said he was from one of the agencies I had called. He had me Zelle the money ( {$1000.00} ) for the bond to him. It wasn't until a few hours later when I spoke to the correct agencies that I realized this person lied to me. I do have the email with the fake document he sent as well as an audio recording of him requesting the money. He presented to be someone else and stole my money. I have also alerted the FBI Internet Crimes Unit. Under Regulation E, this money needs to be returned. Zelle told me even though they know it was a scam they can't return the money.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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 2019-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Since our mortgage account was sold to Plaza Home Mortgage I have trouble getting online to manage my account including getting my monthly statements so I called them three or four months ago to ask them to mail me my statements. As of this date XX/XX/2019 I have not received any statements and I can not access my account online at any of their sites. I called them again on XX/XX/2019 and was told that they show my statements were being mailed to me but I have not received any statements by mail. They have the correct address and I know my carrier has not lost all the statements mailed to me. We have lived at this same address for over 15 years and there has never been an issue with our mail. I was told they would request that my statements be mailed to me but I see nothing happening. I know I will have to call them again in a few months since their online sites are absolutely worthless for accessing my account. When I try to login online I get a message that they can't find my account.
Consumer complaint received 2023-02-22
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 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 the of convictions of crimes which antedates the report 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 agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian fails to delete account in question after i pointed the obvious inaccurate reporting of account name XXXX XXXXXXXX I asked experian to delete this account because this company does not own it, there fore they don't own it they can not report on it.
Consumer complaint received 2024-03-11
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. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. 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 attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EASTERN BANKSHARES INC (MA)

I opened an IRA with Eastern Bank several years ago. The fees were not disclosed when I opened the account. I recently attempted to rollover the account to XXXX. XXXX send out two letters requesting the transfer and sent me a copy of one which was dated XX/XX/21. When I called XXXX to see if the money had been transferred, they reported that it had not. I brought the letter from XXXX to Eastern Bank on XX/XX/21. The representative there said she had no knowledge of the transfer request.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I had a savings account at HSBC bank with a little over {$1000.00} in it. The company closed my account and took my money. Theyre saying my account now has a zero balance.