davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

transunion, and XXXX dropped my score 85 points after being stagnant one week.also XXXX  let my info get stolen.i also would like to know why these companies have any right to my info in the first place i do not remember giving my permission? please explain this.i contacted the they had no good reason why my score dropped except i went stagnant, when i asked why one week was sufficient to them to drop my score 85 points i got told that if i was basically in debt it wouldn't of happened.
Consumer complaint received 2024-06-04
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 (PA)

My PayPal account has been overdrawn {$26.00} for the past few weeks. This was an issue that an automatic payment accidentally withdrew from my bank account that was low on funds. 

I have enough funds to cover the overdraft, however, when I try to link my bank account back up the website won't let me for some reason.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2021, I wrote a request for the method of verification for a dispute initiated on XX/XX/2021 and the response was this account was " verified '', but ignored my request to provide the method of verification. I have verified with the United States Bankruptcy Courts in XXXX, Colorado ( SEE ATTACHED LETTER ) that there is no verification submitted,. I followed up XX/XX/XXXX, and XX/XX/2021 to have this account removed considering there was no verification which is a direct violation of FCRA. The account is still reporting and needs to be removed immediately.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

This company received proper documentation that they have been submitting request for payment on a fraudulent account. Instead of ceasing and deceasing, they have engaged in very aggressive and harassing collection tactics. They even sold their fraudulent account to a collection company that ended up filing a bogus lawsuit, seeking a quick judgment trough cheating.
Consumer complaint received 2021-04-20
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. (NC)

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Consumer complaint received 2022-12-27
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being inaccurate
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 — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being inaccurate
Consumer complaint received 2022-12-27
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Yesterday my account was fine and as soon as I wake up in the morning I received a notification from bank of America that my account is on - $ $ $ They charged me for all monthly fees starting since XX/XX/2022 even my account is on a meet required minimum balance
Consumer complaint received 2020-01-07
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit which is reporting inaccurately. This collection has been paid should not be reporting a balance to my credit report. I also never received notice about this collection which is in violation of my 30 day right to dispute.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (TN)

Hard enquiries on my credit report, XXXX ( XXXX ) to be exact. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard enquiries on XXXX that need removed are the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. In accordance with the Fair Credit Reporting act. The list above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602A. Statesi have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any otheradverseitem of information, other than records of convictions of crimes whichantedates thereportby more than seven ( 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 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (NC)

I have two late payments on my American Express Credit Card account for the following dates : - XX/XX/2017 - XX/XX/2017 At the time of these late payments in 2017, I was in the process of deploying to XXXX in support of XXXX XXXX XXXX. As an XXXX XXXX Service Member, there are not always timely notices for combat deployments and/or Field Training Exercises. I say that not to justify why the payments were late, but instead to show that the late payments are not a true indicator of my actual creditworthiness. Since that time I have been an exceptional customer paying every month on time. The late payments have been unsuccessfully disputed with the three major credit bureaus. I have enclosed a copy of my XXXX XXXX with this letter for reference.
Consumer complaint received 2022-12-27
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (DC)

I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-01-07
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. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XXXX AND XX/XX/2019 FOR MY XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (MD)

In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of ~ $ XXXX to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

FIFTH THIRD BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL FINAICIAL INSTITIONS AND THE CONSUMER Reporting Agencies XXXX, and XXXX do not have my consent to furnish this information, per privacy act of 1974.I am an investor of these companies. Income cant not be reported, I believe securitization fraud has taken place in relations to these investments involving misrepresentation, false statement and misappropriation or funds
Consumer complaint received 2022-12-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2020-01-07
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. (CT)

Filed dispute with Equifax over incorrect information from XXXX XXXX ( charge-off in XXXX, first delinquency XX/XX/XXXX ). XXXX had failed to cancel my account and continued billing, part of a hot mess when they took over from XXXX XXXX XXXX. I have multiple records supporting their incompetence. 

Equifax updated the record to show a " last reported '' date of XX/XX/XXXX. The credit score generated by them is XXXX points lower than that generated by the other credit bureaus. Their own credit score explanation gives " serious delinquency, date too recent or unknown '' as the primary factor impacting my score. This is preventing me from refinancing my home. The date is entirely within Equifax 's control ; they are responsible.
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2016 Loan Type XXXX XXXX ACCOUNT Past Due {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX PLACED FOR COLLECTION in accordance with the Fair Credit Reporting act XXXX 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 2022-12-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (IL)

XXXX XXXX XXXX Account Number XXXX Account Open Date XX/XX/2022 Amount {$1000.00} XXXX is reporting an account to my credit that does not belong to me. I have had several issues with them before and have had to request proof of accounts which I was not provided. Another Collection Agency called me about an account with XXXX before and I advised that I didn't have another account with XXXX. I also didn't not live at the address they provided and the services at my previous address were never in my name, I didn't have any utilities services in my name prior to moving into my home in 5 years or longer. Also, please note I currently have residential XXXX services at my home which I own and XXXX does not have any outstanding bills with my information.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I paid off my credit card balance in full, and then saw a mysterious charge that was NOT made by me. I contacted Capital One twice, and the charge is still there. Furthermore, they have not closed this card down, which makes me vulnerable to more attacks. Something is very wrong about this, and I need help fighting for my rights to get the protection from fraud that Cap One should be providing without me having to go to this trouble. I'm interested in also filing a complaint about Cap One using off shore call centers to handle calls about fraud, and how this problem has escalated as a result.
Consumer complaint received 2023-07-05
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX. Please repair and update.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Savings account # XXXX I had {$220000.00} in my savings account on XX/XX/2022. After I reported fraudulent activity on my account that started XX/XX/2022. They only credited back {$220000.00} on XX/XX/2022. Shorting me {$3900.00} + interest. I have made at least 7 attempts to have this issue resolved to no avail.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I applied for home retention program as I am now XXXX and struggling financially. Select portfolio turned it down. The reasons are as follows 1. My credit rating. My debt to income ratio took a drastic change in XXXX and became XXXX on XX/XX/XXXX 2.It is  not in their best interest to help me. 
3. They overstated my income by XXXX This was a government funded program and my credit records do not come into play on this. The options they gave me was short sale or select third party for some reason. I am not late on my mortgage and never have been. I tried to obtain my equity, but due to my credit rating this was not allowed. My other problem with them is they refuse to accrue my homeowners insurance in escrow. Their reasoning is the homeowners association has blanket policy covering exterior of townhouse. My responsibility is to insurance everything from interior walls and everything inside. Flooring plumbing electrical and contents. They state the homeowners insurance I have had for XXXX yrs and XXXX months is an optional purchase. This to is causing additional duress as the insurance company will only accept XXXX payments to pay XXXX annual coverage. I don't know what to do. I can not let my home go. I can not live anywhere for the amount of my mortgage. I do have a right to appeal but from what I was told it won't do any good. I am XXXX years old and on XXXX. I can not work as I fell and XXXX both of my XXXX XXXX at same time and am pending XXXX   XXXX XXXX XXXX XXXX. I am totally at a loss for what to do.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IL)

I had XXXX service at my mom 's house on XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account number was XXXX. She passed away on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX via email to cancel her service and provided a death certificate. On XX/XX/XXXX, I returned their equipment to them. I followed up, after receiving a bill, on XX/XX/XXXX to make sure this service was cancelled as the house was being foreclosed on. I was told it was cancelled. Now, I have a bill going to IC Systems Debt collections ( acct number XXXX for {$500.00} for XXXX which I didn't even know was owed. I can not get anyone to explain this charge to me.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: USCB, Inc. (NM)

I discovered when I checked my credit files on XX/XX/XXXX an adverse collection action reported by Revsolve Inc. on behalf of XXXX XXXX for {$100.00}. This account does not exist. XXXX and XXXX reported the account was placed for collection XX/XX/XXXX. This information was first reported by XXXX XX/XX/XXXX, no information on when first reported by XXXX. I filed disputes on XX/XX/XXXX and the information was deleted from my credit report by XXXX the same day and by XXXX on XX/XX/XXXX.
Consumer complaint received 2019-12-30
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)

The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}