davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-12
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL NUMBER AND PHOTO ID TO OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-12
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. (NV)

XXXX, XXXX, and Experian are reporting incorrect and erroneous information on my consumer report, they have failed to validate this account and it has multiple reporting violations including inaccurate payment grid, last reporting dates, and multiple missing info. This account needs to be removed immediately because it also says charge off and this car was paid in full and never late
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

XXXX XXXX XXXX XXXX Balance {$0.00} - This account has been sold to another agency and you are past the legal time allowed to be reported to this account. Delete this account as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account unknown please remove. 

XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} - Reporting unknown which means it's incomplete, please delete. 

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX  XXXX XXXX, XXXX XXXX Balance : {$1300.00} -This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I ordered XXXX tickets through paypal for a show scheduled for XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX telling me the XXXX date was rescheduled for XXXX and I had an option to request a refund until end of XXXX. On XX/XX/XXXX I requested a refund from XXXX and I notified PayPal. XXXX flagged my account for fraud because I let PayPal know I was expecting a refund instead of letting XXXX refund me at their convenience. Now I am blocked from purchasing tickets from XXXX indefinitely because the artist they promoted canceled and i was given an option for a refund. I have called their fraud department XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today and every rep refuses to help me. On top of the fact XXXX never advised me my account status changed and continues to send me promotion emails. I only knew of the fraud flag after I tried to purchase tickets and when I waited for order confirmation a message came up indicating I needed to contact fraud. I want this flag removed and I want my account updated to good standings. I've never indicated fraud, or had issues in all the years I've used XXXX until an artist canceled his show 3 days after I purchased tickets, which was totally out of my control. I didn't have XXXX just to sit around so therefore I wanted PayPal to know of the expected refund since I used them as a payment method.
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company (GA)

I have a late payment reporting to credit for XXXX payment when the payment was made on time. I call the bank and the mortage company to have it removed but was told that it couldn't be done as this late payment report affect my credit worthiness
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive been disputing inaccurate information about me on my credit report. 
XXXX  and Transunion Both reporting inaccuracies. Ive disputed twice and still reporting verified.
Consumer complaint received 2023-06-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (NY)

I discovered that Valley National Bank ( the lender ) for the mortgage for our co-op in XXXX has been incorrectly calculating interest on our mortgage which has resulted in an overcharge of interest of approximately {$1200.00} in one year ( the allocation of our payments between interest and principal was incorrect ) and a total overpayment of {$100.00}. I have spoken to 3 different people at VNB over the past 10 days who have committed to refunding the money and crediting the principal to our account and have yet to receive the documents requested ( an amortization table to demonstrate what our principal should be using the correct interest calculation as outlined in our loan agreement ( 12 periods of 30 days ) and the refund check ). The loan officer ( XXXX XXXX ) has explained that this was a manual mistake relating to setting up the loan ; however, my concern is that there is a broader internal control issue at VNB and more co-ops might be overcharged interest. I also think that XXXX XXXX needs to be reminded to be more sensitive to his customer 's concerns. On a call with him, I found him rude as he kept interrupting me, speaking over me and at one point said I sounded litigious ( which I do not know where that came from as I have no intent of entering into any type of litigation ). I have also just received a text from him telling me that I was rude.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act XXXXection 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-17
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. (FL)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX, account name : XXXX XXXX XXXX XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " EXPERIAN '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

See attached file sent to XXXX XXXX. It is very important you read the attached document. Included in the statement is the fact that whenever an agency contacts Selene Finance they say they offered a borrowers packet but what they don't say, and what can be verified by XXXX XXXX and XXXX XXXX and XXXX XXXX, is that they never approve the loan modification and play games during the application. It seems that just saying they offer a resolution is their " XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see in the attached statement that I was blind-sided by my XXXX Standing Trustee during my previous attempt to work out a plan. I have recently had to file XXXX  XXXX with the hope of converting to XXXX  XXXX if/when I get employment.Since the XXXX XXXX XXXX XXXX XXXX wrong XXXX and under reported/ failed to report wages the New Jersey Unemployment says I XXXX not XXXX the minimum required wages and denied XXXX. I have been actively seeking work but have been unsuccessful. Thus, I have had XXXXXXXX XXXX  income since XXXX of XXXX. If Selene Finance would have worked above board years ago I would still be secure in having a place to live while working through this rough patch. Even if I could get XXXX of the agencies I have tried to get help from to see Selene for what it is then I would be in a much better situation. XXXX XXXX 's office agreed but said they could not be involved until I filed a formal complaint with your agency. I am not asking for a hand-out, I am asking for help. Thank You. XXXX.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I already have a CapitalOne Walmart credit card. CapitalOne sent me a reserved offer, Pre-selected as a well-qualified person in a group of people. What I liked was during the first 3 months if I spend {$500.00} on purchases during this time I will a one-time cash bonus. No annual fee. A good card in case of an emergency. I immediately scanned the XXXX code, filled out the application and was accepted.I was already a customer and CapitalOne knew me. This was my worst mistake. Before I even received the credit card I received two letters ( attached ) dated XX/XX/XXXX, stating that my XXXX and this new account were placed on hold to clear up concerns CapitalOne has around potential fraud. I was to call today XXXX. The XXXX was paid in full. I called on XX/XX/XXXX and XX/XX/XXXX, before the dates of the letters to inquire when I would receive my new XXXX card. I was told it was in the mail. No mention of any fraud. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have heard different excuses from. This is to prevent future fraud, you have had someone try a get a card before, we need to verify who you are, this is to protect you. I sent the requested papers by mail and was told CapitalOnes system can not read what was sent in the mail, not my problem.
Consumer complaint received 2021-01-12
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)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-03-10
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. (MI)

Ive been disputing inaccurate information about me on my credit report. 
Experian and XXXX  Both reporting inaccuracies. Ive disputed twice and still reporting verified.
Consumer complaint received 2023-02-13
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my records & noticed many information or items that do not belong to me Here is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-12
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. (CA)

During the beginning of the Covid 19 crisis my income was reduced due to the lockdown and I was late in paying my XXXX credit card bills. I was ultimately able pay after a 3 month period of being late. It was my understanding that the credit card companies would have some forgiveness for late payments but instead it shows as late on my credit reports for the 3 bureaus. This is negatively impacting my credit score. I tried to get the late payments removed but they continue to show up as late
Consumer complaint received 2023-02-13
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

Company i have issue with : https : //wise.com/ Account registered under email XXXX Type of issue : They deactivated my account without reason. I have used it since XXXX, and for last 12 months using wise.com service as my virtual bank to recive payments of my busniess operations via USA based company in Wyoming. 
They closed my account on XXXX XX/XX/XXXX.