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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n 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 2022-04-18
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)

n 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 2020-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CT)

I received a letter from Receivables Performance Management LLC in XX/XX/XXXX. 

The letter from RPM stated that I owe {$3200.00} for a Sprint/TMobile account that I did not open. 

I called RPM and inquired about this Fraudulent account. I was told that the account was opened in XXXX, FL on XX/XX/XXXX and that 4 XXXX were purchased. RPM gave me the phone numbers for each phone and the phone number used when the account was opened. 

The 4 cell phone numbers are all XXXX, FL based numbers and the phone number on the account is a XXXX, Colorado number. 

I live in Connecticut and I have never had a XXXX/XXXX  account, plus I was never in XXXX, FL. 

I told RPM that this account is Fraudulent and I did not open it. I asked them to please remove my name from this Fraudulent Account and remove this Fraudulent Debt from my Credit Reports. I told RPM that I live in CT and that this account as RPM told me, is for 4 XXXX purchased in XXXX, FL, with XXXX, FL numbers and the contact number is a XXXX, CO number. I told RPM that the information they provided does not add up and it is absolutely Fraudulent and they replied, my name is on the account and as far as they are concerned, I am responsible for the balance on this Fraudulent account. 

After I spoke with RPM, I immediately placed a Securtiy Freeze on all of my Credit Reports. 

I want RPM to remove my name from this Fraudulent Account and Remove this Fraudulent Debt from my Credit Reports.
Consumer complaint received 2021-02-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (OH)

I was notified of a collections account that was added to my credit report. Upon opening the app, I saw that Debt Recovery Solutions had placed an {$800.00} collections balance on my credit for a supposed payday loan from 2018. 

I was completely unaware of this debt. I have moved a couple times, and each time, I have proof that I submitted a proper change of address form and mail forwarding form. I never received any written notice of this debt, nor did I ever have a chance to dispute it. 

Immediately upon learning of this debt, I called DRS and disputed it verbally over the phone, fearing that I have been the victim of identity theft. I gave them my new address, which they now have sent me documentation claiming it validates the debt. The documentation has the incorrect address and phone number on it. It also has my last name listed as " XXXX, '' which I have never identified myself in this manner. 

Had I been notified of this debt, I would have disputed it and dealt with it prior to it being reporter to my credit. This is unprofessional and unfair business practices.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (SC)

I missed a payment on our business credit card ( # XXXX exp XX/XX/XXXX ) after the legacy BB & T online banking site was converted to Truist. A scheduled payment did not transfer when the data was moved resulting in a {$39.00} late fee charged on XX/XX/XXXX. Text from an email sent by Truist on XX/XX/XXXX states " Well also refund certain fees you XXXX experience during the transition. '' I sent an email on XX/XX/XXXX to my local branch XXXX in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I received a response from her on XX/XX/XXXX indicating that she would look in to getting the fee reversed. I did not receive an update. I sent another email to her on XX/XX/XXXX and never received a response. A friend who worked on the merger for Truist forwarded my email thread outlining a number of issues including this XXXX to XXXX merger leaders. 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 have also filed complaints with # XXXX and XXXX for reference.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I RECEIVED A DEBIT CARD IN THE MAIL I DID NOT APPLY FOR, I AM CONCERNED ABOUT SOMEONE TRYING TO STEEL MY PRIVATE INFORMATION, THERE USING MY NAME AND MAILING ADDRESS INFORMATION .I CALLED US BANK RELICARD SERVICES BUT THEY WERE OF VERY LITTLE HELP, I HAD MY PRIVATE INFORMATION STOLEN ONE TIME AND IT WAS A VERY BAD SITUATION FOR ME, I HEARD ABOUT THIS HAPPENING BEFORE WITH THE SAME COMPANY, I HOPE SOMETHING CAN BE DONE ABOUT IT ... ... ... ... ... ... ...
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MO)

I got my taxes deposited into my Venmo account and I tried to withdrawal some money and they said it was a security breech and locked my card to where I couldnt access that money. I then tried to transfer it to my other bank and they said it was another security breech after the money was taken off my account. They then deactivated my account. I called them and emailed them several times and they said they couldnt help me with it. They money is missing and I have no access to it. There was {$4000.00} left.
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 — Investigation took more than 30 days
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-12-19
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 2022-12-19
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2021-02-19
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: BARCLAYS BANK DELAWARE (MA)

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA ( Date opened XXXX XXXX, 2016 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-06-26
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. (SC)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at XXXX XXXX accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
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 to get a copy of my consumer file on XX/XX/2022 also on XX/XX/2022 on both occasions I was hung up on per the automated system. Each time I asked for a representative or specialist to assist me.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this compliant on the following dates XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for understanding and prompt action.
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: National Credit Systems,Inc. (TX)

I was wrongfully evicted after the complex returned 3 months of my rent. I attempted to resolve it with the company by phone, but they still wanted me to pay most of it. Also, I disputed it via XXXX XXXX, but it was not resolved.
Consumer complaint received 2020-12-23
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: EQUIFAX, INC. (WA)

In XXXX I requested a copy of my free annual credit report from Equifax as I had done for several prior years. I received a form letter from Equifax dated XX/XX/XXXX which said they needed additional information from me, according to two categories one labeled Identification and the other labeled Current Address. Each category listed several examples of acceptable documents. I sent a copy of my original Social Security card and a copy of my XX/XX/XXXX Annuity Statement from the XXXX XXXX XXXX XXXX XXXX which provides my address. 

I then received an identical form letter from Equifax dated XX/XX/XXXX with no explanation but requesting the same information. In order to ensure that I would provide the correct information, I called Equifax and spoke to a representative who gave her name as XXXX. I explained the situation to her and she advised writing a cover letter indicating the two pieces of information I would include. I asked if providing a copy of my US Passport and XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX would be acceptable and she said it would be. I prepared a cover letter and sent it with the two pieces of documentation as instructed and approved by the Equifax representative. 

I then received a third form letter from Equifax dated XX/XX/XXXX, also identical to the first two letters and again with no explanation. I subsequently contacted the CFPB and it was suggested I submit a complaint, which is contained herein. Attached to this file are copies of the letter I sent to Equifax in XX/XX/XXXX ( note the typed date indicates the year is XXXX which is a typo ; it is corrected in pen on the copy attached to this complaint ), and copies of the two documents I sent with that letter, i.e., my XXXX Passport and my XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX. I have redacted private information from these two documents sent with this complaint to the CFPB due to lack of computer security with electronic transmissions. This private information was not redacted from the documents I sent to Equifax via the US Postal Service in XX/XX/XXXX.
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: Chime Financial Inc (FL)

- On XX/XX/2022, I found out that someone hacked my Chime Checking and Savings account. Multiple transactions and transfers varied and made a total amount of {$1000.00} stolen. That was all I had in my account and all i owned in general. Not only did they steal my money, but they were able to change ALL my information on the app. I'm not sure how in the world Chime 's security was able to be breached that easily but the hacker changed my email, number, and physical address to my card. 

- I made the claims, and on the recorded line, they stated that it was indeed recognized as fraud. Chime 's dispute team said that it would take XXXX days to receive the money back. But being that it was all my money that was taken, I told them that this needed to be treated top priority because i will go homeless if i can not make rent or pay other bills. Plus it wasn't my fault for their lack of security for me to wait on money that shouldve never been taken. 

- As days pass, ( XX/XX/2022 ), I would hear absolutely nothing from Chime. I emailed them multiple times to change my information back to what it was before the hacker changed it ( because the hacker logged me off the app and couldn't do it myself ). And I never got a reply from them. So, when the money was put back on my card, instead of me getting the update, the update ended up going to the hacker and the hacker was able to steal the money AGAIN. 

-not only did chime fail to change my information when i asked, they didn't suspend my account so that my funds could stay safe until I could get in my app again. so not only did they not suspend my account, they allowed the SAME person who stole my money the first time, steal it the second time. And now they are saying that it isn't fraud and that they wont give me my money back. 

-I 've called and emailed to get an explaination from them. I'm about to go homeless and bills are continuing to rack up while we are on the rise of inflation. I've never ever had anything like this happen to my years of having Chime. 

- and now its ( XX/XX/2022 ). i really really need the CFPB 's help to getting my money back because it has physically and emotionally effected my family in so many ways. I told Chime to check IP address 's so that they can see that the fraud is happening in CA- to also prove this wasn't me. They have yet to acknowledge their poor security as well as not having security measures in place. I've spent hours on the phone with chime they aren't willing to help me and now i am willing to sue and go to the farthest extent that i can to get this fixed because i refuse to have my family taken advantage of.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO RECOVERY ASSOCIATES ( A DEBT COLLECTOR ) IS SAYING I OWE THEM XXXX DOLLARS FOR SOMETHING THE SAY I OWED XXXX XXXX. ACCT # XXXX. I DO NOT OWE THEM ANYTHING, AND DEMAND A VALIDATION LETTER BY MAIL IN A TIMELY FASHION PER THE FAIR CREDIT REPORTING ACT. I AM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED FROM FRAUDENLANT LEGAL ACTION THAT THIS COMPANY IS TRYING TO PULL.
Consumer complaint received 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Placement Services, LLC (WI)

This debt collection company continues to violate my rights through abusive practices. Pursuant to 15 USC 1692f ( 8 ) they put their logo on the envelope of an alleged debt. They did not inform me of my rights to dispute within 30 days pursuant to 15 USC 1692g ( a ) ( 3 ).
Consumer complaint received 2021-02-19
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. (MO)

am writing this in regards to the financial hardship that I am experiencing due to my student loans reporting on my credit report. I am unable to buy a home, although I am not in default, and I have been granted loan forbearance until the year 2025. I am requesting that the loans reporting, to my credit report be removed from my credit report. I am in the process of disputing these loans using the borrowers defense claim. I am in review, until 2025, these loans being reported to my credit report, violates the fair credit reporting act, and I am asking that they be removed immediately, until my borrowers defense claim is complete and a decision is made.
Consumer complaint received 2021-03-10
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: Rocket Mortgage, LLC (WA)

On XX/XX/2021 XXXX/QUICKEN LOANS INC made an unsolicited Hard Inquiry into my credit report. I was alerted via XXXX XXXX XXXX and verified that the inquiry appears on my XXXX  credit report. 

On XX/XX/XXXX I called XXXX and was informed they have no record of the inquiry. I also called Quicken Loans and was informed they have no record either. 
Quicken Loans informed me I should call XXXX and have it removed. I called XXXX, and they stated that Quicken Loans would need to send a letter retracting the inquiry. 

On XX/XX/XXXX I called Quicken Loans and was connected with XXXX XXXX, who said she would investigate the issue. She also found no record of the request. 

On XX/XX/XXXX I emailed XXXX XXXX from Quicken Loans and she stated " We would not be able to remove this inquiry as we have no record of the credit pull. The team member that you spoke with prior to me also stated that we do not have record of that credit pull. If we do not have record of the pull, we are unable to send a letter. We would have to provide them a credit report number and a loan number to request removal. We do not have either or any other information for you in our system. '' On XX/XX/XXXX I replied and stated that I would be reporting this issue to CFPB.
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX as well as XXXX 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