davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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)

I received a copy of my credit report and noticed late payments on accounts that I was never late on and some charge offs. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the FAIR CREDIT REPORTING ACT clearly states. 
I have never been late on payments and did not provide written consent to report the account : XXXX acct. XXXX XXXX XXXX XXXX aact. XXXX XXXX XXXX acct XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. IF PROOF CAN NOT BE PROVIDED I demand these payments to be updated to on time as they should be as I was never late. Pursuant to 15 USC 1681 congressional purpose, talks about equity and fairness.
Consumer complaint received 2023-02-18
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)

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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, L. 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 2021-03-17
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 ()

On XX/XX/XXXX I received an email from Paypal out of nowhere stating that they have decided to permanently limit my account. I use Paypal to make purchases with my credit card from many online retailers, but the only selling I do on Paypal is for clothing and nothing else and I have been selling clothing for the last 4 years with no problems. I called them 3 times, the first two times the agents told me they were not allowed to tell me why my account was deemed as a risk but after reviewing my transactions they told me it must be a mistake and should be resolved within 24 hours. Nothing happened in a week so I called again where a Paypal agent by the name of XXXX was extremely rude and told me there was nothing I could do. I requested to speak with a supervisor and she told me one would call me within the day. It has been nearly a week and no supervisor has contacted me. 
I currently have {$1000.00} in my account which I was planning to use for rent that they are not letting me access. 
My email for the Paypal account is : XXXX This has brought me a ton of stress and has effected my wellbeing. 

I have attached a restriction notice that is available for me to view on my Paypal account 's notification center, a screenshot of my Paypal account main page, and a piece of photo identification for myself.
Consumer complaint received 2021-03-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (SC)

I asked Regional Acceptance Corporation on XX/XX/2021 why do I owe them a debt, why is it valid, and to verify why I owe them a debt because I don't believe I owe them, they sent me a contract. The contract they sent for verification is completely illegal. I assumed I was the original creditor, as well as a consumer making a credit transaction with a finance charge involved. I can't pay that in cash and I do not recognize this illegal contract they sent for verification. I believe they should take it off my consumer reports and files and remedy me for their violations.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (MI)

I had someone in my account and decided to apply for a loan in my name, and they signed the loan as me for {$3000.00} and navy Federal ended up taking money back which put me nearly {$8000.00} in debt when I told them someone had gotten into my account and applied for the loan and that it wasn't me and they're holding me responsible for paying for it.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WV)

I have two accounts with CITI bank for XXXX one for XXXX right after I applied my XXXX benefits both my account were closed for no explanation. 
after calling multiple times talking to multiple people they reopened my accounts saying they were not showing I was under XXXX. My accout s were reopened. Than within 60 days my accounts were reclosed leaving me with bills. amounting {$10.00}. this time stating there was a credit change to my credit report and a missed/returned payment with last 60 days. And no XXXX  could stop them form closing my accounts.
Consumer complaint received 2021-03-17
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. (PA)

I previously disputed information on my credit report that don't belong to me I asked for a investigation and I was not given and I information about my investigation beginning or ending. I contacted this company to see if my investigation was processed this company denied ever receiving my disputed so I contacted a attorney I ask for legal advise I was advised to file a police report and a report with FTC and we came up with a plan of things to do before I file a lawsuit so I'm making a complaint because I don't want this to happen to someone else that is seeking justice for a crime that was committed against me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Hello, I have my credit score drop from XXXX to XXXX in last few weeks because XXXX credit card account is not able to pull up my disputes and has been charging me interest rate and mimumum payments on the disputed transactions since 2022. They initially gave me the refund took it back and then gave it back to me and then took it again without notifying me. I have called them several times and told them that i changed my bank account and I was tired of the automatic withdrawal for minimum payment every month. 
I told them to put hold or do I need to keep making payments but they told me don't worry we will take care of it. But instead they made my account deliquent and ruined my credit. 

Even after staying on the phone with them over an hour they didn't give me any resolution and told me to call back again. I ended up paying {$480.00} for charges that I do not owe. I have not used the card in the last 3 years besides monthly XXXX subscription being charged to the account. 

I really need help to restore my credit and fix this issue! 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (FL)

XXXX XXXX took my information and fraudulently used it without my permission to process transactions and open an account without my knowledge, this account is not mine. Istayed at the resort once but only paid for the time I was there & I did not purchase anything from them. I've called them to demand validation of the said account and have it closed but they give me the runaround every time & never received any validation. The inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this with the credit bureaus but had no resolutions. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Ive had no responses. Ive sent out requests to Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-16
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. (TX)

XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX REMOVE THE ADDRESS NOT MINE REMOVE THE EMPLOYERS : XXXX XXXX XXXX XXXX REMOVE THE INQUIRES UNAUTHORIZE : XXXX XXXX/XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XXXX  XXXX, XXXX Removal date : XX/XX/XXXX Your XXXX  credit file is locked
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc (WA)

I received an email message that too many log in attempts locked account access. I do NOT have an account at Chime. I have NEVER had or applied for an account at CHIME. When I sent a message to Chime, they could only talk to me if I emailed a copy of my ID and my Social Security number. I told them NO WAY would I provide that information and told them one more time to purge any account information attached to my name and email. The request for more detailed personal information to resolve the problem is the issue. Why would I provide that information to a company where my identity has already been compromised?
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

After receiving written response from my official complaint # XXXX from PNC Bank, specifically Executive Client Relations, XXXX XXXX, it has now become apparent this bank is totally disingenious and has no intent on returning money due to me. Their response was full of mistruths and falacious information. It showed incompetance on a level I have never seen before, evidenced by XXXX XXXX XXXX telling me last week in a " recorded conversation '' that my next tax payment as per her teams findings ( whom she stated has put a lot of time into evaluating my case mine you ) is due XX/XX/XXXX. I went to the XXXX Dept of Finance myself today XX/XX/XXXX ' and found out in a " documented printout and explanation by Tax Representative '' that my real estate taxes are paid through this quarter and I am not due to XX/XX/XXXX. This is the reason why I am having problems with this bank because they are not using facts which started in XXXX XXXX. I believe this is an example of blantant discrimination. I am hiring an attorney and taking this to the next level.
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

My card was comprised on XX/XX/ heres the complaint Id XXXX totaling XXXX $ I filed a police report and my belongings were taken after 3 months of waiting XXXX XXXX denied my dispute with no evidence how they reach that agreement I am highly upset I also filed a police report. I did not authorize none of those chorales my information was stolen along with my wallet and bag I will be reaching out to an attorney
Consumer complaint received 2017-05-03
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)

XXXX   account is showing  XXXX  days past due as of   XXXX   XXXX   and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.
Consumer complaint received 2021-03-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I requested that the mortgage servicer, Select Portfolio Servicing accept a deed in lieu of foreclosure due to the death of my husband ( we had been separated and living apart for 10 years XXXX. The loan had been XXXX through bankruptcy. My request was approved in XX/XX/XXXX. I submitted all of my documents. After a few months of not hearing anything, I inquired and the delay was blamed on COVID. After numerous phone calls and being told different " stories '' I contacted my county representative for help in XX/XX/XXXX. His office contacted Select Portfolio and a week or so later I was contacted to set up a meeting with a notary to sign the documents. I signed the deed transfer and all other closing documents on XX/XX/XXXX. After not hearing anything for weeks I began calling SPS to get an update. I was told to vacate the home, which I did. The grass still needed to be mowed. The electricity needed to be on for the sump pump, etc. I was told I was still responsible for the property until the transfer was recorded by XXXX XXXX. I kept calling for updates and was given different responses as to what the delay was caused by. Finally, months later I was told that the package was sent to XXXX Co on XX/XX/XXXX and we were waiting for XXXX XXXX to respond. I told the SPS that someone may have been vandalizing the property and I thought it was unfair that it was my responsibility. In XXXX, I was told by SPS that the property had been secured and winterized on XX/XX/XXXX. Still no word about why the delay. In XXXX, I contacted XXXX XXXX and was told that the package was received by XXXX XXXX on XX/XX/XXXX but it was most likely rejected because XXXX XXXX was not behind. I kept calling SPS and found out that the package was rejected, missing a POA and was sent out again XX/XX/XXXX. I am still waiting for this deed in lieu and transfer to be recorded so I can move on. I feel that the delay is deliberate for some unknown reason, or even if not, this is unacceptable that I am receiving no explanation. I feel I have been caused excessive stress and I deserve an explanation from SPS. As of today, XX/XX/XXXX, the deed has still not been recorded. SPS representatives have told me the property is my responsibility until the deed is recorded and they can offer no good explanation of why this is taking excessively long. It has been 1 year and 2 months since the deed in lieu was approved. I also wanted copies of the signed documents which I was told I can not get until the deed is recorded.
Consumer complaint received 2023-02-18
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)

Im submitting a complaint to you today to inform you I was a victim of identity theft. I sent the required documents to https : //www.ftc.gov or FEDERAL TRADE COMMISSION , So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX. Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (SC)

I entered into a consumer credit transaction with Navy Federal Credit Union on XXXX XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX   account is showing 90+ days past due as of  XX/XX/XXXX  and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.
Consumer complaint received 2021-03-17
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: JPMORGAN CHASE & CO. (CA)

Around XX/XX/21, I observed fraudulent charges on both my chase freedom and chase slate credit cards. I immediately contacted customer service, who informed me that my credit card had been denied at one merchant retail store, that the thief had attempted to impersonate me but had failed the security questions, and that they had called to inform the representative of a pending large balance. Throughout this, I was not contacted. The purchases were made the week of XXXX. 

The fraud was investigated and although some of the fraudulently used credit was refunded, I was Informed that due to the card having a chip, I was responsible for its usage. I explained that although I had requested new credit cards, I had never received them. I was then informed that my chase Slate card ( which has not been used for YEARS as it is an emergency card ) has been activated before the purchases, indicating to the investigating team that it was in my possession. I was then asked if anybody had access to my card, again, I said no. 

This experience has been frustrating as there was a clear attempt at identity theft and chase did not contact me or freeze any accounts for my security. Furthermore, the fact that I informed them of the fraud and have had to endure questioning which implies that I was somehow culpable for identity theft made an already difficult situation worse. I do not feel the representative was attempting to resolve the issue but was instead attempting to pursuance me of some sort of guilt. Additionally, I have been a chase customer for 11 years and carry various accounts, including my retirement, and have never experienced identity fraud, nor have I asked for assistance from chase in this matter, to receive minimal support during already stressful times is disappointing.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (SC)

I opened an account with Nordstrom in the fall of XX/XX/2019. I've used the card and made payments. I lost my card and ordered a replacement card, and that card number I stored in my phone with other logins etc. That phone was compromised and several accounts were used without my authorization. I filed a police report and identity theft claim with the FTC. The account was removed from my credit report but later added back. I don't wish to go back and fourth trying to dispute the debt, I'd rather take full ownership of the fraudulent purchases and pay the card off in full. Its now in a charged off state wit several late payments and is drastically affecting my credit report. I want to make an arrange to settle the debt it full.