davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (NC)

I contacted Equifax via certified mail to inform them of FOUR unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX ( inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3. XXXX XXXX XXXX inquiry date of XX/XX/18 ) XXXX. XXXX XXXX XXXX  XXXX ( inquiriy date XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-06-14
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. (NV)

I have disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. XXXX XXXX XXXX continues to verify information that is flat out wrong and enough is enough. And Transunion continues to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Consumer complaint received 2020-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a cashiers check on XX/XX/XXXX, with out explanation or justification Bank of America placed all the funds on hold until XX/XX/XXXX. The bank eventually released the hold but only after repeated escalations
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

Capital account have a collection on my credit. I mailed two notarized affidavit on different dates asking for a signed contract between myself and capital accounts No response twice. I made a complaint with the XXXX XXXX XXXX and capital accounts responded stating I DO NOT HAVE A CONTRACT with them nor A Debt with CAPITAL Accounts they stated they are trying to collect money for another company. How can Capital accounts report falsely report I owe them to the credit bureau 's but say I don't owe them.Capital account is reporting inaccurate information under the fair reporting act they can not do this.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Consumer complaint received 2020-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

my issue is with Paypal. This issue started way before the incoherent & incompetent Corona Virus response. 
I have repeatedly followed Paypal 's instruction regarding banking information but it does not work. 
I can not remove a bank I do not want to use. I can not identify who paypal is requesting money for. Just a bunch of numbers and letter from the bank and Zero identifier from Paypal. Paypal will not accept any cancellation of these charges nor identify the source of the money request so I can cancel things directly. At this point I just want to no longer have a paypal account at all and no. Paypal will not allow me to cancel my membership either. 
All I want at this point is to Not be a Paypal customer but no. That is not permitted. I can not reach paypal by phone due to Corona Virus. 
Since this is a computer issue it is likely only a human being can fix this but no humans are available.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2020-04-14
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. (MA)

My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I have tried the last month to contact Citibank without having been successful on several occasions, the associates do not answer the calls, on several occasions I have called and I have had to wait long periods of time between 45 and XXXX, nobody gives reason why I can not enter To the platform to pay my bills, I try to close the checking account but the associates do not offer support for this transaction. I don't want to be fined and I don't know what to do, nor can you wait hours on the phone for a financial service provider to effectively resolve the situation. Please help me to close my checking account as I can not contact any Citibank associate.
Consumer complaint received 2020-06-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BOK FINANCIAL CORP (NM)

I made a cash for keys settlement with the bank of Albuquerque through there attorney, me and a state anointed foreclosure prevention guide. This settlement was completed inXX/XX/XXXX. I have repeatedly tried to endure this information was processed at bank of Albuquerque and their attorneys office yet since XXXX of XXXX Im still being penalized in my credit report as owing a debt which I do not!
Consumer complaint received 2020-04-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

XXXX reviewed my XXXX credit report XXXX sent validation letter to LVNV- original creditor XXXX XXXX XXXX No response from LVNV and still impacting my credit This account is way over the statute of limitations and should not be on my credit report.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX, XXXX  reported to the Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I  DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.
Consumer complaint received 2022-02-19
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. (WI)

Transunion is reporting information on my credit report incorrectly and twice with XXXX different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. Transunion changed it back to a negative account as well as listed it twice and again with XXXX different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX to resolve the account. 

As proof of my claim, I am submitting excepts from XXXX Transunion credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

I purchased a table and 6 chairs from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I opened a store credit card and was given a {$1000.00} line of credit. The table and chairs was a total of over {$2300.00}. I put {$1000.00} on the store card and used my ATM for the balance of XXXX. I made the usual payments for months. On XX/XX/XXXX I made a balance transfer of the remaining balance on my XXXX XXXX XXXX of {$620.00} to my XXXX XXXXXXXX XXXXXXXX XXXX 
On XX/XX/XXXX I received an alert that my card was used for {$1000.00}. I immediately called all the number on the back and reported fraud to to XXXX XXXX the credit card servicer. They told me they would take care of it and opened a fraud investigation. I faxed the paperwork they had sent me on XX/XX/XXXX. Months later I got a statement from XXXX asking for a payment on the XXXX. I called the fraud department and the woman informed me that my claim of fraud was denied because I did recieve the table and chairs. When I told her I had only purchased 1 table and chair set she put me on hold to confirm. She came back on and told me that in fact it was the same purchase and she would re-open the case. It has now been 6 months and they have not solved this issue and in fact, the charge is still on my credit report. They are not helping and I am at a loss. I am confused and in disbelief that this can happen. They have been complacent and delinquent. 
I will inclose or send all of my documentation.
Consumer complaint received 2020-06-14
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. (GA)

There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.
Consumer complaint received 2020-04-14
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)

I got my credit ran today XX/XX/20 because I was trying to buy a new car but unfortunately I was not approved for the loan because there are some accounts in negative standing appearing on my credit. I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I am not sure who is responsible for opening those accounts in my name but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I do not have any type of written or verbal contract with any of these companies and I never allowed them to run or access my credit file.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After placing an online order using a debit card, an online vendor continued to charge my card periodically anauthorized amounts for which no service or good was delivered. This was despite the fact that the account number and pin changed, Huntington continued to allow this vendor to directly debit my checking account. 
I submitted a dispute XX/XX/20 for the {$890.00} that was stolen in this manner, and initially was credited most of the money back. XX/XX/20 Huntington sent me a note reversing this decision stating that I had not provided requested documentation. No documentation had been requested. When I called today XX/XX/20 I was told that the dispute was denied because the charges were more than 60 days old ( despite the fact that some were recent ). I was told I could resubmit them but they would be denied. 
What is infuriating is that when I initially filed my dispute the representative was apologetic and confirmed that the charges should not have processed, but once the claim was denied the service team became hostile and combative.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Wholesale Tradelines (TX)

We were in the process of buying a home and needed some help with our credit score. We purchased two different accounts from Wholesale Tradelines XXXX XXXX and they were supposed to report on my husband 's credit report by XX/XX/XXXX and XXXX. They have yet to show on his credit report. We paid {$2200.00} for their service. The phone number we had for them is no longer in service. Us as well as our realtor have filed " tickets '' on their website but have not gotten any response. This is not ok ... and I want my money back!!!!!