davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today at XXXX XXXX, Yesterday at XXXX XXXX, Every day. yet another phone call about a debt collection. The company is XXXX XXXX XXXX. I answered and asked politely to not be contacted through my phone number anymore months ago. My phone number is on the do not call registery. I would like compensation from lawsuit
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I can not get my EQUIFAX CREDIT REPORT pulled by myself, no consumers, or any paid membership Services. I also went to Equifax.com to pull my report with them and it said that they were not able to release it and the Member Service associate said that there is an issue with my account eternally. 

This what Equifax sent me. " We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. '' I was try to apply for goods and service through some companies and they tried to run my Credit Report 6 times within 3 days and it keep coming back Internal Error but they are running other individuals Credit Report constantly with no problem. The company contacted their IT Support Help Desk and they asked for me to contact Equifax to check for Internal Issues and Equifax keep blaming everyone else instead of fixing or looking into the problem themselves. This is very frustrating and I am In the process of buying a house and need to access my account when I need it. I NEED THIS FIXED
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both Experian and XXXX are showing the above account number however, XXXX has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Consumer complaint received 2023-03-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I tried to call SPS today XX/XX/22 and request a forbearance. I called with my HUD Certified Housing Counselor on the line and gave SPS a verbal authorization to speak on behalf to my counselor. I spoke to two separate agents who both denied the verbal authorization and said third party authorizations were only allowed to be made in writing only, for the state of New York. I further requested a forbearance to be put in place due to my circumstances and I was only informed that I was only eligible for a short pay or a short sale. I am very unsatisfied as I am trying to save my home and do not feel my account was handled correctly, I was not informed to submit a workout package nor was I able to provide representation on my behalf to help me in this process.
Consumer complaint received 2023-05-15
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-03-16
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. (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 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.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue
Consumer complaint received 2023-05-15
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. (TX)

The credit bureaus are not following the laws. I showed them multiple times of how they were violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, 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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this PLEASE HELP
Consumer complaint received 2022-12-27
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: WELLS FARGO & COMPANY (FL)

According to the FCRA section 62.3 this company is reporting inaccurate information and it is illegal. This account has caused damage to my credit report and to my life and i want this account to be removed as soon as possible.
Consumer complaint received 2023-03-16
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)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-12-27
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. (CA)

Old address - Please remove old addresses.

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 2023-03-16
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. (AK)

We were on a cares act COVID19 forebearance. When it came time to go into repayment, XXXX XXXX mistakenly ( purposefully? ) put our loan into foreclosure status and processed a traditional loan modification which should have never been the case, as we were eligible from the beginning for a COVID19 repayment modification which just tacks on the missed payments to the end of the loan. This action significantly negatively impacted my credit report. I was also forced to provide several personal documents to the mortgage company including my bank statements, paychecks, and a complete hardship explanation which I believe is illegal for them to ask for. We repeatedly received threatening statements that we were due to pay the entire balance of the forbearance payments by XXXX which should have NEVER been the case.
Consumer complaint received 2023-03-16
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : $ {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$50.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (WI)

I had my mortgage through XXXX XXXX and they sold my loan to homepoint financial.they sent me notification on this and once it got switched over my mortgage payment raised from XXXX per month to XXXX.thought at first they put a second homeowners insurance policy due to the fact my homeowners didnt get faxed over or whatever the case may have been but after talking to my insurance agent that wasnt the case.iv been trying to contact them daily for the last month and a half.have NOT received a call back or even an email back what so ever.the only person Ive talked to was in the insurance department and they keep transferring me to a different department because apparently they cant tell me why my mortgage has raised that much while having a fixed interest rate.once transferred they wait time has been anywhere from 15m-30m wait.iv sat on the phone for HOURS waiting after a few hours the phone just hangs up.no one there will talk to me about it or even email me about it.in the month and a half of trying to get ahold of them i have yet to hear a word back on this topic.in the mean time iv had my insurance agent re-fax my homeowners policy to them and i know they have gotten it.so now idk what to do other then this which was suggested to me through my original mortgage lender.i have all emails and all phone call records on hand just am not able to attach them for some reason.
Consumer complaint received 2019-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (KY)

I was originally financed through Ally Financial. I was offered a loan through XXXX XXXX to refinance the vehicle. XXXX XXXX paid Ally on XX/XX/XXXX. I received documentation from Ally my lease was paid off and my title was released and also sent me a refund for my Gap warranty. XXXX XXXX originally assured me that my Gap warranty would still be in play but when i called they said no it wouldn't so i then said i don't want to continue with them. XXXX XXXX had me call Ally on XX/XX/XXXX and again on XX/XX/XXXX to ask them to return the funds. I was then told on XX/XX/XXXX by Ally that XXXX XXXX reversed the check which is impossible. Ally also opened my account back up from the original date XXXX XXXX refinanced, therefor making me have 2 open loans on the same car and also put me delinquent on my account. I then spoke with Ally on XX/XX/XXXX asking why they opened my account back up on that date and i was told if i don't make a partial payment they would be reporting me to credit agency even though they still had the money from XXXX XXXX. I made a partial payment of {$170.00}. XXXX   XXXX in the meantime also has an open account still because they have not received their funds. I called XXXX XXXX and asked why they still had my account open and they said they would not release my title until Ally releases their funds. So i called Ally and they said they would not release the funds until XXXX XXXX released the title. So i'm at a stand still. I called Ally and said i have no choice but to stay with XXXX XXXX because you have the funds and they have the title. They said they would close my account and also refund me the money i applied towards the loan. The next day Ally called me and said they don't have any money from XXXX XXXX that the check was reversed which isn't possible so i called XXXX XXXX and they said no that they never reversed a check and that they went ahead and sent the title to Ally to help with this process. But Ally is still saying they have no funds and that they also don't have my title even though it was shipped XXXX and was signed for on XX/XX/XXXX. I can not get correct correspondence from Ally and now they are reporting me to the credit agencies as late.
Consumer complaint received 2020-01-08
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: ONEMAIN FINANCE CORPORATION (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2020-01-10
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 (CA)

I have been using PayPal, infrequently however, for at least a year. Recently, our family has some financial difficulties that necessitated a family friend to send us {$2000.00} in emergency funds. We chose PayPal since we thought it would be the most secure. Since my parents are not technically savvy and do not have any online accounts such as PayPal or Venmo or XXXX, the money was sent to my PayPal account. When we tried to transfer the {$2000.00} " instantly '' for a 1 % fee, the transfer was placed on a 72 hour hold pending additional review. When I contacted PayPal Support via their Chat Support to inquire why a hold was required, they could not provide a reason and they advised me that I just had to wait. Since our family needed immediate access to funds for living expenses, such as groceries and my parents ' medication, the PayPal Agent cancelled the transfer and referred me to use the " Get Cash '' option where I could withdraw up to {$500.00} at a XXXX Customer Service desk. I fot llowed their instructions and was able to withdraw cash. Early the following day, I discovered my PayPal Account was placed on " Limited '' status which meant we could not access the remaining funds in my PayPal Account. Ironically, the cash withdrawal from XXXX may have triggered the " limited account '' status until I provided an explanation for the transaction. Moreover, they requested a copy of my bank statement. 

I do not understand why PayPal 's system seems to flag my account frequently and still requires 72 hours hold even AFTER I've provided documentation and an explanation for the activities on my PayPal account. I believe that PayPal 's algorithms for detecting potential fraud may actually include a person 's surname, which in may case is a XXXX surname. I have used both XXXX XXXX  and XXXX XXXX, and I have received larger amounts of money from relatives to help pay for my college expenses. I was able to transfer to my bank instantly without any issues or delays. Not a single transaction has been placed on hold or delayed.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I found Fraud and included the pending issues : XXXX XXXX  XX/XX/16 {$150.00} ; XXXX XXXX XXXX   XX/XX/16 {$56.00} ; XXXX XX/XX/16 {$6.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XX/XX/16 {$41.00} ; XXXX XX/XX/16 {$17.00} ; XXXX XX/XX/16 {$36.00} ; XXXX XX/XX/16 {$64.00} ; XXXX XX/XX/16 {$18.00} ; XXXX XX/XX/16 {$40.00} ; XXXX XX/XX/16 {$150.00} ; XXXX XX/XX/16 {$43.00} ; XXXX XXXX XX/XX/16 {$25.00} ( this already given and below ) ; XXXX XXXX XXXX  {$35.00} ; XXXX XXXX {$140.00} ; XXXX {$23.00} and XXXX XXXX XXXX {$26.00}. Total : {$920.00}
Consumer complaint received 2023-02-12
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. (MI)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Acct : 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 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent in my dispute letters over 60 days ago on XX/XX/2021. I havent received any correspondence about an investigation. I understand the credit bureaus have 30 days to Let me know that there will be an investigation. After that they have 15 days to do investigation And since covid-19 they have an extra 15 days. Its been over 60 days and I havent received any notice about an investigation. I would like all accounts on my report deleted not disputed and not up for investigation. Thanking you in advance.