davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (OK)

I called Experian on XXXX XXXX to have my consumer file mailed to me. I could not get a rep on the phone to have the consumer file mailed to me nor was there an option to choose consumer file on the automated system. 15 USC 1681g states that every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of request.
Consumer complaint received 2022-04-18
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. (VA)

XXXX XXXX XXXX, account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-18
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. (VA)

XXXX XXXX XXXX, account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Pingora Holdings, LP (NJ)

Pingora Loan Servicing , LLC leaked my highly confidential PII including my SSN, name and address. It did not have proper security in place and as a result my data was breached. This can have a lifelong affect on my credit. They are offering a XXXX  year credit monitoring service as a make-good on their irresponsibility that can affect the rest of my life.
Consumer complaint received 2022-04-18
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. (NV)

XXXX XXXX XXXX  XX/XX/XXXX, {$24000.00} This does not belong to me XXXX XXXX XX/XX/XXXX, {$1200.00}, This does not belong to me XXXX XXXX XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, This does not belong to me. 
XXXX XX/XX/XXXX, XX/XX/XXXX. This does not belong to me. 
XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX. {$36000.00} XX/XX/XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX XXXX, {$10000.00}, XX/XX/XXXX. Does not belong to me.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (MA)

This loan was originally opened as a Home equity line of credit.  Under the terms of the loan it has now converted to a second mortgage.  I have no ability to draw down on this loan or take cash out and havnt for several years, per the original loan agreement.  It is a second mortgage with no credit limit, I pay principal and interest and extra principal every month.  This loan appears on the XXXX major credit bureaus as either revolving or credit card debt.  It appears as if my balance is over a credit limit.  This makes me look as i have maxed out all available credit, and in fact am using in excess of XXXX% of available credit.  This drastically impacts my credit scores w the XXXX  major credit bureaus.  I have contacted both the Loan servicer Citibank, and the XXXX major credit bureaus.  Neither will fully assist me in rectifying this, what so ever. This is particularly true of XXXX who militantly lists this as credit card debt.   I need this correctly listed as mortgage or real estate debt and the correct loan term added, removing the notation that this is revolving debt or credit card debt.  This is drastically and negatively affecting my credit scores.
Consumer complaint received 2023-06-26
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. (NC)

Complaint number XXXX closed stating they sent a letter. I replied to letter with cerified mail and was received by company. This does not resolve or even address the complaints addressed on the statement. Fix this issue and reply to the congressional office that forwarded this complaint
Consumer complaint received 2022-04-18
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. (CA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-04-18
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. (GA)

XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX  XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX  XX/XX/XXXX does not belong to me
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22, I was contacted by XXXX Branch managers of the Chase Bank ( JPMorgan ), the first at XXXX XXXX XXXX, NY. NY XXXX, and the second located at XXXX XXXX XXXX, XXXX, NJ. The New Jersey XXXX XXXX informed me that a person presented my new debit card ( that I never received or had in my possession ), along with a " cloned '' /fake driver 's licesense. She then told me that they did not give any of my money from my savings or or checking account to this person due to his " cloned '' driver 's license, but she willfully failed to inform me that XXXX of her bank tellers provided this perpetrator with a new PIN number, without following Chase Bank 's Fraud procedures, including obtaining substantive, credible identification information prior to giving this person a new PIN number. This egregious failure on the part of this bank resulted in the perpetrator of this crime to go to several other Chase Banks in NJ, including one XXXX XXXX Bank, and withdraw {$9000.00} from my checking and savings accounts. ( {$3000.00} was credited to my account by XXXX XXXX Bank ), leaving {$6000.00} still outstanding ). 

The New Jersey Chase Bank did not retain/confisicate the perpetrator 's " cloned '' ( fake ) driver 's license at the time of this incident ( which is Chase Bank 's fraud procedure ), or contact the police to apprehend this individual. Neither did they place my account on restriction so that the perpetrator could not go to any other banks to withdraw my money, which he in fact did, and waited a prolonged period of time prior to notifying me of this crime and theft from my savings and checking accounts. 

Furthermore, the Chase Bank XXXX XXXX XXXX informed me that it was not their responsible to call the police at the time of this incident or to file a police report after the incident, but was my responsibility to file police reports ( which I did with the New Jersey and New york Police XXXX, as well as with the XXXX XXXX XXXX ). I was informed that an XXXX would be assigned to my case but it was my responsiblity to call the XXXX office to find out who my case would be assigned to. I was also told that a " decision '' would be made up to 60 days as to the outcome of their findings, with no mention of crediting money that was stolen due to their negligence and incompetence that would have prevented this theft from occurring had the Chase bank in question initiated timely and appropriate actions as noted above. In sum, Chase did not collaborate with me, a victim of a crime committed due to their negligence and incompetence, and in fact were adversarial, leaving an elderly retired person in a vulnerable and compromised state.
Consumer complaint received 2022-04-18
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. (GA)

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. 
XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX & XXXX, XXXX ACCT # XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-18
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. (CA)

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. 
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 that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : also states that 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 2022-04-18
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX loan the amount {$1200.00} ( charged off ) XXXX XXXX XXXX XXXX XXXX loan the amount {$22000.00} ( charged off ) XXXX XXXX XXXX {$140.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Balance on XX/XX/XXXX Loan Amount {$140.00} - Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$140.00} Original loan amount - XXXX XXXX {$1800.00} Closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Balance on XX/XX/XXXX Loan Amount {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$840.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer XXXX Original creditor : XXXX XXXX {$1800.00} Balance updated XXXX XXXX, XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Bureaus Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All accounts above are fraudulent references to Identity theft/ fraud police report # XXXX filed when notice Credit inquiries and unknown accounts tried reaching out to creditors numerous of times about this issue with little to no results. 


XXXX XXXX XXXX {$3300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment Account above was paid off XXXX XXXX And now is back reporting on my account with negative impact to my credit report
Consumer complaint received 2022-04-18
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 (NY)

I created a personal PayPal account in XXXX which I used to make small purchases through XXXX for things like gifts for friends. Somehow when I created the account, my address was accidentally listed in XXXX, even though my street and city were clearly U.S. based XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As far as Ive been able to tell, there is no such street address in XXXX. PayPal never raised with me that this problem existed nor that it needed to be corrected, until my account was unexpectedly closed. There is over {$2000.00} in the account which I can not access and PayPal never gave me any opportunity to prove myself. I do not live in XXXX, Ive never lived in XXXX, I dont speak XXXX, nor do I use PayPal for business. Yet here I am with $ XXXX trapped in an account I can not access. The account was permanently limited/aka closed after I used PayPal during the process of selling my wedding dress. I decided to sell my wedding dress using XXXX to raise some extra money, and XXXX requires sellers to pay buyers through PayPal. My dress was a bit expensive, which is why the resale transaction was for ~ {$2000.00}. I of course had no idea that I had any issues with PayPal so I shipped the dress the morning I was paid ( XX/XX/XXXX ) and uploaded a tracking number to PayPal. The dress was delivered on ( XX/XX/XXXX ). On XX/XX/XXXX, I went on vacation so I did not realize my account had been permanently limited until going through my personal to-dos on my way home. Im now out my wedding dress ( something very important to me and something I now sorely regret ever trying to sell ) and {$2000.00}! PayPal also collected a 5.3 % fee on this transaction, in addition to locking up my funds. Ive informed PayPal I can provide whatever they need to verify my identity, my country of residence and the legitimacy of my transaction, but theyve told me there is nothing their team can do. Theyve advised me to call their XXXX team, but I do not speak XXXX and the number I called said it can not be reached. PayPal makes money by exchanging and storing money, and here, theyve taken my money ( on which Im sure theyre earning interest ), charged me a pretty hefty fee, and made me spend ages on the phone with people who ( 1 ) have treated me like Im doing criminal business and ( 2 ) allege they can do nothing to help me, all without giving me any way of proving myself.
Consumer complaint received 2022-04-18
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the Fair credit reporting act, XXXX XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I went to a Capital One bank location in XXXX Texas to make a {$360.00} cash deposit into my checking account using the atm. The atm was counting my cash and then kept making clicking noises. The atm screen popped up a message that the atm will not be able to except or give cash transactions and my card was returned. I got my card and then notice the atm took itself out of service. I call Capital One and made a claim to be advised it would be 10 days for a credit to be applied. I would assume since they told me that this issues are just unheard of, they would have investigated with urgency. After my first car payment was returned for NSF, I drove by the atm to see it has been serviced and back in use.
Consumer complaint received 2022-04-18
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. (NC)

In accordance with the Fair credit reporting act, XXXX XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this account or fraudulent inquiries to be reporting on my XXXX XXXX TRANSUNION CONSUMER REPORTS.
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I secured an auto loan ( XXXX ) in XX/XX/XXXX from legacy Suntrust Bank. In early XXXX I began compiling information for XXXX taxes. Since the conversion to the Truist website ( I believe XX/XX/XXXX but am not sure ) statements and transaction history prior to XX/XX/XXXX are not available via online banking. I need the statements from XXXX in order to verify interest paid on the loan. I called Truist in XXXX ( week of XXXX ) to request the statements. I was told a request would be submitted to send the statements via US mail. I have not received them. I sent an email on XX/XX/XXXX to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I did indicate in a follow up email that Truist had added the total interest paid in XXXX to the XX/XX/XXXX statement so that issue was no longer time sensitive. A friend who worked on the merger forwarded my email thread outlining a number of issues including this one to two merger leaders at Truist. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I had to file an extension on our business taxes due to this and one other Truist issue. Although Truist provided a total interest amount for XXXX I still want copies of the statements from XXXX given the number of issues we have experienced post merger. I was under the impression that banks are required to retain customer records for a period of time ( XXXX years ) and I can not even access information for XXXX and XXXX this year. I have filed another complaint with # XXXX for reference. Thank you
Consumer complaint received 2022-04-18
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 XXXX Account listed as items 1, 2, 3, 4, & 5, has violated my rights. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. 
Pursuant to 15 U.S.C. 1681 ( b ) ( a ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. ) XXXX XXXXXXXX BANK {$920.00} Closed 38 potentially negative months Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Payment Info Status Charge-off 2. ) XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$460.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer 3. ) XXXX XXXX XXXX L Original creditor : XXXX {$8400.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection XXXX. ) XXXX XXXX XXXX  Original creditor : XXXX XXXX BANK XXXX XXXX. 
{$240.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Debt Buyer 5. ) XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}