davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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. (MA)

This Bankruptcy account is NOT IN COMPLIANT with the consumer laws, and its reporting incomplete, misleading, inconsistent and erroneous information and therefore it CAN NOT be verified. 

Here is some of the reasons that it shouldnt be reported and de DELETED from my credit report effective ASAP : Addtl see the screenshot errors below! 

Bankruptcy filing date is wrong. DELETE!!!! 
There are 3 different filing dates. DELETE!!!!

Court name is not accurate each bureau must report the actual name of the court, followed by ( city, state ). DELETE!!!! Remove immediately. 
I asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this. DELETE!!!! 
Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? DELETE!!!! 
I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed. DELETE!!!! 
You have the wrong docket number.
Consumer complaint received 2020-03-11
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : Account Number : Charge : Date : XXXX/XXXX XXXX   {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Sincerely,
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc (KY)

I am a XXXX XXXX  XXXX. I use PayPal and have a revolver with PayPal Credit and XXXX XXXX is issuer. In XX/XX/XXXX I had a Reg Z dispute for XXXX. XXXX resolved in my favor and I received credit in XX/XX/XXXX which was not reversed, resolved in my favor as merchandise was not received and trx was fraud. 

In XX/XX/XXXX I log into PayPal and there is notice that I owe PayPal and must deposit XXXX to use their service. Outside Reg Z window, Violation of PayPals own terms and 5 months after a card dispute was resolved in an area of PayPal I dont use and is not a revolver credit account. I called XXXX, they stated PayPal made a mistake. I suspect some type of reconciliation issue which they tried to clear at year end by stating a customer owes them money outside of the revolving credit account. 
I tried working with PayPal explaining this is not legal. This was a Reg Z dispute with XXXX and if there was an issue with a chargeback it should be charged back to the revolver credit account. They can not and XXXX said they should not because this was resolved 5 months ago in XXXX. PayPal is circumventing Reg Z and I wonder how many customers have been affected by this in XXXX - XXXX they had holdover items they tried to pass to customers because they could not reconcile their clearing accounts.
Consumer complaint received 2021-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (SC)

Affidavit of Truth Notice to all, I, am the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name /, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a, and autograph as the agent, in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it now present.

3. Facts, the Fair Debt Collection Practices Acts is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it and ; Fact, affiant and is aware and has proof in the attachment labeled as Exhibit A and B that Phoenix Financial Services LLC registered as XXXX  XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX XXXX XXXX XXXX is in violation of 15 USC 1692d ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX  XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Phoenix Financial Services LLC registered as XXXX  XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charge On the date of XX/XX/2021. agent, XXXX First Middle Last came before me today present as a flesh and blood living being ( non entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2021-01-14
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: SYNCHRONY FINANCIAL (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, SYNCB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (AZ)

I have a BBVA XXXX Credit  Card. The card was blocked by their fraud enterprise department on XX/XX/2021. I called in resolve the block on XX/XX/2021 and submitted the requested ID to unblock the card. After the initial stated 48 hours, the card was not unblocked on XX/XX/2021. I called back again to ask about the status and was told to wait another 48 hours. On XX/XX/2021, the card is still blocked and unusable.
Consumer complaint received 2020-03-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX i went into a bank of America branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead Bank of America to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (PA)

I have an account with Chime Bank. An unauthorized transaction- a Pay Friends transaction - took place at XXXXXXXX XXXX on XX/XX/21. It says that an XXXX XXXX took {$210.00} and transferred it. I did not authorize it. I called Chime and theyre investigating.
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

My husband and I use electronic banking to pay our mortgage payment to Mr. Cooper. We generally request the payment be issued from our bank during the first week of the month. XXXX XXXX, XXXX ( aka XXXX ), issues the payment electronically ( ACH ) to Mr. Cooper 's bank. XXXX XXXX  has confirmed that the payments go out and are received the next day. Mr. Cooper does not post the payment timely. 

As an example : This month XXXX issued the payment on XXXX, Mr. Cooper 's bank received it XX/XX/XXXX, as of today ( XX/XX/XXXX ) the payment is not posted. My husband called last week, and they could not explain it. He called again today, they could not explain it and was told the ONLY way to resolve it going forward was to allow them to automatically deduct the payment from the account. 

Another example : In XX/XX/XXXX, XXXX issued the payment on XXXX it was received by Mr. Cooper 's bank on XXXX but not posted until XX/XX/XXXX ... AFTER a late charge was applied. Mr. Cooper reversed the late charge but when my husband called couldn't explain what happened. They keep saying it takes 2-3 days to post payments. 

We are very concerned about 1 ) our credit rating based on the late payment 2 ) interest accruing due to lack of payment being applied and 3 ) Mr. Cooper earning interest and using our money for the 8-10 days when they have received it and not applied it to our loan. 

We do not want them to automatically deduct from our account the payment as they have proven untrustworthy ( although we have been forced to sign up for this ). At this point, we want an explanation for the delay in posting payments and confirmation that our future payment will be posted within 24 hours of receipt by Mr. Cooper.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists
Consumer complaint received 2023-01-17
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. (SC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

The FCRA provides consumers the right to opt out of prescreened credit card offers, which I did, many years ago. Comenity Capital Bank failed to honor their obligations under the act, and sent me a credit card offer for a XXXX XXXX & XXXX credit card. 

Attached is a copy of the mailing for your inspection. 

Please have Comenity Capital Bank immediately cease and desist from such mailings.
Consumer complaint received 2021-01-14
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 (CA)

I have called mutiple times with American express to active my card and nothing happens. I keep getting told to wait few days and its been weeks. I want to use my remaining balance on my card. this is American express business giftcard.
Consumer complaint received 2020-03-10
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: Home Loan Center, Inc. (IL)

XXXX XXXX XXXX made a hard inquiry at XXXX  on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through lendigtree.com. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.
Consumer complaint received 2021-01-14
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. (FL)

After carefully reviewing my credit report, I noticed a few inquiries and account that I have never authorized. I have heard that sometimes bureaus making mistakes or sometimes its about Identity theft and somebody used my personal information. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires and account. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries and account be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2021-01-14
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. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-03-10
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. (FL)

Experian has made it very difficult to reach a human being as i attempted to reach out to them on XX/XX/20 to discus my dispute with XXXX XXXX the response does not help me as a consumer knowing the information reported on my credit file is inaccurate and continues to lower my score week after week. When calling there contact line of XXXX XXXX XXXX i am redirected online it seems that they are not taking calls.
Consumer complaint received 2023-01-17
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 1567 NOTTINGHAM DRLANCASTER, TX 75134-4150 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was in the process of buying a house. I received a fraudulent email with wiring instructions from what appeared to the closing company. The day before the closing, I went to my bank XXXX XXXX to wire the funds to the account provided. The account was a Bank of America account. The funds were sent to the account provided but the name that was sent in the wire was not the same as it was requested in the wiring instructions. The next day ( about 24hours ) after the original wire transfer, I found out about the fraud and went to my local XXXX XXXX branch to open a case # XXXX and recall the funds from Bank of America. I opened a case with the local sheriff 's office ( case # XXXX ), and an XXXX complaint with the FBI. I called Bank of America and they refused to talk to me. BOA refuses to send the funds back. BOA is also refusing to cooperate with the local law enforcement on the case. The funds lost is a substantial amount over $ 21K. I am at the end of my rope as I feel that there is nowhere to turn as banks appear to have all the benefits and none of the responsibility to their customers and the law.
Consumer complaint received 2021-01-14
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. (FL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2023-01-17
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. (IA)

I am a Federally Protected Consumer with Federal Rights under the FAIR CREDIT REPORTING ACT DECLARED BY FEDERAL CONGRESS. I have the right to a Fair and Equitable to me consumer report. Equifax is reporting INACCURATE information that should not be on my consumer report. And after multiple attempts of trying to get EQUIFAX to remove the information that should not be there and them not complying. I'm now needing the assistance of the CFPB to help them comply and ensure my rights under the FCRA are enforced, protected complied. EQUIFAX REMOVE THIS ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX from my consumer report. EQUIFAX REMOVE THESE INQUIRIES XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX Remove XXXX STATEMENT FRAUD ALERT from my consumer report. Under the CARES Act furnishers must make accommodations. I have asked these furnishers I'm going to list in this complaint to REMOVE LATE PAYMENTS Under the CARES Act as accommodations and under the FCRA billing errors these late payments should not be on my consumer report. THESE ACCOUNTS ARE ALL EXTENSIONS OF CREDIT, PROMISSARY NOTES THESE TRANSACTIONS WERE ALREADY PAYED IN THE BEGINNING SO ITS IMPOSSIBLE TO BE LATE. EQUIFAX REMOVE LATE PAYMENTS IN THESE ACCOUNTS. XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. UNDER the CARES Act, FCRA remove these late payments, Under the FCRA REMOVE ADDRESS, INQUIRIES, REMOVE CONSUMER STATEMENT. I have the RIGHT TO A FAIR EQUITABLE REPORT UNDER THE FCRA EQUIFAX COMPLY.