davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
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: Experian Information Solutions Inc. (NY)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX XXXX Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-30
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISCARGED XXXX XXXX  XXXX {$27000.00} XXXX  XXXX {$980.00} XXXX   XXXX {$590.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$590.00}
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

On XX/XX/2021, I tried to transfer a {$180.00} balance with Venmo and was surprised to hear that they had frozen my account due to a " violation of our User Agreement ''. I grew suspicious when they froze my account after I sold the XXXX  that I had in my account and tried to transfer the cash back to my bank account. I received an email asking me to send in a picture of my driver license to verify my identity. I complied with that request and I promptly got with customer service via chat and spoke to representative XXXX XXXX She assured me that she would not be able to assist me because " another department is working on it ''. 
I asked why was it that my account suddenly was frozen when I tried to empty my small cash balance. I further explained that the monies were going back to the bank account that the funds were sourced from. I then asked why my credit card was frozen when I had never been late and they collected {$1300.00} from me in payments without a single returned payment in the month of XXXX. She said that she would not be able to help me. 
I let them know that I would be filing a complaint and then she said that she would have a supervisor reach out to me within an hour which never happened. Holding my funds without any explanation and not being able to provide me with information on any further action that I need to take to rectify any issues is very deceptive in my opinion and would like some help in ( 1 ) getting my funds and ( 2 ) finding out why they froze my account. I went through the user agreement and could not find any violations that apply to me as I have used their services within their standards and they even extended credit to me. Any help that your bureau can provide would be greatly appreciated. Thank you so much. 
I have attached the Venmo chat that took place for reference.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX # 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 instruction
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  # 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 instruction
Consumer complaint received 2022-01-19
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX
Consumer complaint received 2020-07-30
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. (AR)

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX XXXX {$130.00}
Consumer complaint received 2020-07-30
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 XXXX  XXXX  XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 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 Free 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 Experian 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 2022-07-23
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. (SC)

XXXX XXXX XXXX Mortgage violated federal laws regarding the CARES ACT Forbearance and VA Partial Claim in that they charged unlawful late fees and other erroneous fees to my federally backed VA mortgage before and after the VA Partial Claim - even though my mortgage was never late, and then XXXX XXXX XXXX Mortgage reported on my credit reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that my mortgage was late, delinquent, and past due between 120-149 days as of XX/XX/XXXX ( which is fraud and lying as I was current on my mortgage when I received the CARES ACT Forbearance in XX/XX/XXXX and through XX/XX/XXXX ). XXXX XXXX XXXX Mortgage then issued a threatening letter in XX/XX/XXXX - after receiving the VA Partial Claim payment in XX/XX/XXXX that if I didn't pay late fees and other erroneous fees by XXXX XX/XX/XXXX then they would call the entire loan balance due and begin foreclosure proceedings. We disputed these late fee and erroneous fee amounts and stated this was in violation of federal law, but we paid the fees with the request that the fees be refunded. XXXX XXXX XXXX Mortgage continues to assess late fees and erroneous fees during the time in which the mortgage was protected by the CARES ACT Forbearance - thus continuing to violate federal laws with regards to the CARES ACT Forbearance, VA Partial Claim agreement, TILA, FCRA, RESPA, FDCPA, while engaging in Fraud, Lying, Extortion, Racketeering, and Conspiracy to Commit. XXXX XXXX XXXX Mortgage illegal actions and violations of the law caused me harm as my credit report suffered by losses at and over 100 points in XXXX, XXXX, and XX/XX/XXXX. My VA mortgage account number with XXXX XXXX XXXX Mortgage is XXXX. XXXX is the parent company of XXXX Mortgage and their contact number is XXXX. U.S. Government Official - VA Official XXXX XXXX has evidence to support and substantiate this claim and his contact information is ( XXXX ) and his telephone number is XXXX option XXXX, then option XXXX - extension XXXX. This information regarding violations of federal law and criminal activity by XXXX XXXX XXXX Mortgage was reported to the FBI as of XXXX XX/XX/XXXX, as they are engaged in a conspiracy with XXXX XXXX XXXX XXXX, XXXX ( the former mortgage company between XX/XX/XXXX - XX/XX/XXXX ). The victim, a 100 % XXXX Combat Veteran can be contacted by telephone at XXXX or by email at XXXX or by mail at XXXX XXXX XXXX, XXXX, SC XXXX. ///NOTHING FURTHER TO REPORT///
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Linebarger Goggan Blair & Sampson LLP (MD)

Linebarger Goggan Blair and Sampson LLP has been harassing me since XXXX about a debt I do not owe for a vehicle that was sold to XXXX XXXXXXXX. I contacted XXXX XXXX several times and they said they notified the state of Virginia that this car was sold to another party. This company has negatively impacted my credit and also harassed me over and over again on the phone with bogus numbers and threats. When I called them today, the person who responded to the call said she could not talk to me unless I paid the debt. Even after I explained to the woman that I did not have the car and it was sold in XXXX, she refused to talk to me. 

So, I am turning to to you to stop this company from contacting me and to have them take this falsified debt from my credit report.
Consumer complaint received 2020-02-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In attempt to, Avoid Bankruptcy. 
Respectfully, request to process various complaints against, " Banks of America 's Robust Auto Loan Department. '' That uses the American Logo to, scrutinize accounts. 

This Banks ' Robust Auto Loan Computer Repossessed my Automobile, & failed to mail a notice ( documentation ) or, tell me over the phone of, when and where to recover the automobile? 
Even though, I was constantly in contact with the recovery department. Right, after, this Bank had taken the vehicle with all my belongings inside. 
Forcing me to, pay XXXX $ dollars to, retrieve my own property from, inside the vehicle. 
After, the vehicle was secretly undersold or Auctioned from, this location? 
Then, The Bank contacted me to ask for, the remaining amount of, money left on the contract, witch was a debt of, over {$10000.00} U.S Dollars. 

Why was I still been asked to, keep my side of, the contract? 

After., No-body had presented, " The Opportunity to, recover the XXXX XXXX '',  property that was still under contract. 

Is breaking their part of, the contract an illegal action, and deliberately harmful? 

Since, XX/XX/2018. I made many complaints to, all there different departments. Expecting, Some one would do, What is right?

( I ) To return my mode of, transportation.

( II ) To adjust their error-anus / erroneous Robust Computer Software '' That automatically transfers pending accounts to, 3rd parties ; Whom take the law into their own hands & into their pockets.

for, example " How many Vin numbers were under-sold, and then resold for, a fair price. In the shortest amount of, time? 
Dear, Repo workers, have u processed any documentation in lieu of, fair adjustments? or, how many people have been ( R.I.P.ed ) off / A.k.a, set/off by, the banks ' " Auto-math-ic / Automatic, transfers?

The Banks ' Reasoning?

Bee-cause " The Auto Loan Department is Under, " Staff ''. A Morbid, Virus that is only, high in response for, Collections?

Therefor. Who is Responsible for, taking property, Under contract. witch, left, a family without a reliable mode of, transportation & lost of, income that escalated to accumulated debts on, a credit report that does not, adhere a refinance or substantial new loan. Increasing a XXXX  veterans XXXX  followed by, XXXX, and XXXX?

In attempt to, Avoid Bankruptcy. Please, process
Consumer complaint received 2020-07-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

1 - XX/XX/2020 Received phone call from XXXX XXXX XXXX, Representative, XXXX XXXX. 
2- Claimed that they had sent a letter out previously concerning a credit card debt with HSBC in the  amount of {$2500.00} 3- Insisted that I either pay now or make arrangements to pay or I would be reported as " Refuses to Pay ''. 
4 - I informed XXXX XXXX that I have received no written correspondence concerning her claim and that there is nothing on the credit report from HSBC. 
5- She then sent me an email and we agreed for her to call back XX/XX/2020 6 - I printed the email and mailed a letter to XXXX XXXX XXXX and HSBC asking for verification of the claim. 
7 - XX/XX/2020 XXXX MST. XXXX XXXX Called back a day earlier than scheduled. 
8- I informed her that I had sent a letter asking for verification of the claim. 
9 - She insisted that the emailed letter was verification. That is a Lie - No copy of a billing statement was included with the email. 
10 - She also stated that a previous letter was sent by mail over 45 days ago. I asked if it was sent by certified mail. She said that " Yes, it was ''. I asked for the certification and tracking numbers. She said the she didn't have it. Because it was sent by someone else. 
11 - I said that I'm not refusing to pay. There are many scams. I just need verification.

She stated " See you in Court '' and hung up.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (NC)

I am unable to see my equifax credit score on any credit monitoring service and they keep telling me that I have to buy the equifax credit monitoring service. They have hung up in my face and this has caused me to be denied for opportunities I have provided my id and proof of address
Consumer complaint received 2022-06-17
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. (NY)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You are reporting false information. I requested an investigation be done, and its obvious that you did not use the maximum possible accuracy or procedure to create the maximum possible accuracy. I gave you the account number and the problem thats being reported on my credit report when its not my debt. I asked you to do an investigation since XX/XX/XXXX I've called and spoken to you guys several times and just end up on the phone with people who arent willing to help and do their jobs. it's unfortunate to keep dealing with this nonsense. Your investigation was done in an improper manner. You were negligent in your investigation. Your whirlpool in your investigation and you're leaving me with false credit reporting. I'm protected by law according to FCRA, 15 USC 1681. I'm entitled to take legal action against you for doing a lousy investigation. A real investigation means you review documents, you talk to people, and you do whatever a reasonable investigation would require to get to the truth. I am XXXX XXXX, stating that the accounts you are reporting are false and do not belong to me. You're violating my rights according to the FCRA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You stated the account was verified, but how is that possible if you did not do a proper investigation according to the law? Also, every piece of information on this account is still not 100 % accurate because this DEBT does not belong to me and, according to the FCRA, 15 USC 1681, everything has to be 100 % accurate. The Fair Credit Reporting Act ( FCRA ) has very favorable damage provisions for citizens of both negligent and willful violations. FCRA 1681o applies to negligent violations of the Fair Credit Reporting Act
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I have disputed the Bankruptcy information on my credit report. They are unable to verify it as when I reached out to the XXXX XXXX XXXX, they did verify that they do not report to the credit bureaus nor verify information. 
I am asking very graciously that this be removed from my report.
Consumer complaint received 2020-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my report there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA 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 CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.