davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
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. (TN)

TRANSUNION AND XXXX  HAS REFUSED TO REMOVE A ACCOUNT THAT I NEVER FILED FOR CAUSE TO HURT MY GOOD NAME.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : XXXX paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. 
I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. 
Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.
Consumer complaint received 2020-08-08
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. (TX)

Someone used my card and purchased items at a store location fraudulently. I was never notified regarding the account until I was applying for credit and another lender told me that I had late payments and the account was being charged off. I contacted the company and filed a fraud claim. They finally, after a year of me following up with the company, they admitted the charges were fraudulent and were suppose to remove all late payment reporting and charge off reporting. I am applying for a new home only to find that the information is reporting on my credit report again. The company has all the documentation regarding their investigation and results.
Consumer complaint received 2020-06-17
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: Experian Information Solutions Inc. (IL)

I have recently reviewed my credit account to find that there are a few account that a on my credit report but does not belong to me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, IL XXXX. I have lived at this address more than 18 years but there are two other addresses listed for places I am not familiar with. I am sending this information to you because Experian does nothing when I contact them and provide the information that this stuff does not belong to me. I have sent all identifying information proving that I, XXXX XXXX is not the person that opened these accounts. I told them the accounts were not mine and the addresses were places that I never lived. Please remove US DEPT of Education, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. I never completed an application or gave anyone my permission to open these accounts. I have never received anything from these places and I have never been to college. Please take this stuff off my credit because I did not open these accounts. If I had open them and bought things there would bee no issue but bad things are being reported on me that I never got. I am not a third party or did I hire someone to sent you this information it's me XXXX XXXX.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Someone used my card and purchased items at a store location fraudulently. I was never notified regarding the account until I was applying for credit and another lender told me that I had late payments and the account was being charged off. I contacted the company and filed a fraud claim. They finally, after a year of me following up with the company, they admitted the charges were fraudulent and were suppose to remove all late payment reporting and charge off reporting. I am applying for a new home only to find that the information is reporting on my credit report again. The company has all the documentation regarding their investigation and results.
Consumer complaint received 2020-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I am asking and have asked Shellpoint before to remove late fees because they can not prove when the late payment was made. Shellpoint still has not checked the loan history for errors. I have found more errors and these need taken off. A prior loan service has tried to go in and make the number add up and they do not.
Consumer complaint received 2020-08-08
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 (CO)

can not access PayPal account under husbands email, someone else has control of it and two-step authorization directs to someone else 's phone number. 
My husband has a paypal account under his email address. someone has hijacked it and changed the phone number to another number, so when he tries to access it, it's not allowing us. We have tried for YEARS to have someone at Paypal help us and NO ONE will. My husband has stopped using the account, but we have no idea who has access to that account, and what information they might have access to, why they have access to the account, and why we can't get into the account. NO ONE at paypal will help us resolve this. We have tried to resolve this issue multiple times. he can't access ANYONE over there b/c you have to have an ACCOUNT to access customer service and he CAN'T access his account. I'm trying to help him through my account and i'm getting nowhere. we are at our wits end. We have submitted complaints through XXXX, tried to communicate with Paypal 's executive office ( XXXX ), etc., but they will not close the Paypal account tied to the email that my husband has had for 15 years.
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (CA)

On XXXX I deposited my last state of California paycheck & leave balanced cash-out check into this account. It was large with a net amount of {$27000.00} On XXXX they locked all 4 of my Etrade accounts and put me through 3 days of ridiculous questions of this State of Calif. check, & other deposits preventing me from any activity at all. I spent 3.5 hours on the phone dealing with several agents but mainly a manager, XXXX XXXX was making these judgment calls, even accusing me of money laundering.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (GA)

In accordance with the fair credit reporting act XXXX  account # Caine and Weiner company has violated my rights. 

15 USC1681 section 602 states I have the rights to privacy.

15 USC1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I had XXXX XXXX on my vehicle and it is 100 % paid off from XXXX .This account was a result of an unpaid insurance bill for a car that is no longer serviceable and gone forever and its unfair to me and my current financial hardship. My vehicle was declared a total loss, I lost everything. My job. My place to stay. My insurance agent said I was 100 % covered during the time of my accident. My claim took a outstanding time to handle and Im exercising my rights to have this account removed for various reasons, it affecting my ability to get another car because lenders wont lend to me because of the collection, violating my rights, and I did not consent to do business with craine wiener company in any way. I want this account removed immediately from my credit report so that I can have a chance to rehabilitate my self and get another vehicle please.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

I have never had an account with this company. 
I have never lived at the service address. 
This is not my debt. 
I've explained this in person. 
I've explained this on the phone. 
I have explained this in writing I am still being harassed.
Consumer complaint received 2020-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-01-05
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. (OR)

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  Equifax XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-08-08
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. (TN)

I HAVE ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY INFORMATION.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (CA)

I am disputing the following account : Moneylion Inc. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with Moneylion. They havent moved a finger. Not even to investigate the account or marke it as disputed.This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to Moneylion the attached documents. 

Thank you.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I sent a letter to XXXX, Experian, and XXXX, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2020-08-08
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. (TN)

I HAVE ASK THESE CREDIT REPORTING COMPANYS TO REMOVE THESE ACCOUNTS 3 TIMES I DO NOT AND NEVER LIVED IN THE STATE OF MISSISSIPPI MAKING THEM ACCOUNTS A DATA BREACH OF MY INFORMATION.
Consumer complaint received 2020-08-08
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: AMERICAN EXPRESS COMPANY (CA)

I purchased a {$300.00} XXXX gift card at XXXX with my AMEX credit card which card number is XXXX on XX/XX/2020. 
When I was trying to load the gift card to my XXXX account, I was told the gift card had been load to someone else 's account. I went back to XXXX, the manager told me to dispute with American Express. 
I submit the dispute, and Amex gave me {$300.00} temporary credit and I have been waiting for the update of the claim since I have never received any mail or email about the update of my claim. When I was checking the bank statement today, I found the claim was closed and the favor in Merchant.  Amex clawed back the {$300.00}. I'm trying to redispute it, however, Amex said they can not open the case since it was closed two months ago. 
I was shocked since I never heard from AMEX about the case. 
The gift card was loaded to other 's account after I bought it, and I can tell the code on the card was altered, it's the merchant 's responsibility to keep the gift card code safely.
Consumer complaint received 2020-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (CA)

This complaint is in reference to XXXX XXXX Account XXXX XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney. 

The letter was sent to : XXXX XXXX XXXX, XXXXCA XXXX Listed Adress on the record : XXXX XXXX XXXX, XXXXCA XXXX
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

Looking at my credit report I see a collection from credence resource management for a XXXX XXXX  bill, I have no knowledge of having a signed contract with XXXX. Debt collector can not provide validation of a sign contract with XXXX  or with the debt agency they only can provide last bill which does not validate the account, secondly o never signed into agreement with debt collector for collections and never received written notice of debt, I want debt removed from ALL 3 of the credit bureaus.
Consumer complaint received 2020-04-06
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. (MD)

THE XXXX XXXX XXXX XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2020-04-06
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. (MD)

THE XXXX  XXXX AUTO FINANCE - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was frauded back in XXXX and XXXX. For the amount of XXXX. I reported this to Kohl 's and have received statements I owe nothing. This has been more than 90 days and still not resolved. These purchased were made in large amounts in which I have never done. Also, the thief did not have the credit present someone at the Kohls store gave the thief my credit card information to fraud me. I am noy responsible for policy 's not being followed. This has violated the privates act.