davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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. (MS)

Hi I am submitting this XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Never lived at the following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX OAK XXXX XXXX XXXX, TX XXXX XXXX {$920.00} XXXX {$460.00} XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3200.00} XXXX CARD {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$740.00} Inquiries : XXXX XXXX BANK XXXX XXXX RENT
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

To whom it may concern I am challenging the validity of the alleged bankruptcy you have listed for my credit reports I received a message from the credit Bureau stating that you verified the information. I contacted the federal courthouse for the XXXX XXXX XXXX Georgia and was told via letter that they do not verify this information, or the information was not verified with them for you or any other credit agencies. I am asking that they would please send me the information that you use to verify the alleged bankruptcies and that you would also either remove this bankruptcy from my credit file with you. For this is defamation of my character. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et follow reasonable procedures to assure the maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, e.g., XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, at XXXX ( XXXX. XXXX XXXX. XXXX, XXXX ) ( breaking down the requirements of 1681e ( b ), and explaining that assure means to make sure or certain : put beyond all doubt, [ m ] aximum means the greatest in quantity or highest degree attainable [, ] and possible means something falling within the bounds of what XXXX be done, occur or be conceived. ( quoting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; 2 ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
For your convenience, I am sending you a list of the items you need to verify them. These listed accounts. BANKRUPTCY XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EMAIL : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (TN)

I incurred overdraft fees because paypal charged the wrong bank account within the last month. I contacted paypal and they agreed it was their fault so they sent me a letter stating that for my bank. I sent the letter to my bank and they did not reverse all of the fees. I contacted paypal to pay for the overdraft fee the bank wouldnt reverse and they denied the case. They took money out of an account that didnt have any funds which shouldnt have happened. It should have been denied like before. Also I signed in and chose which account for the money to be taken out of which they didnt do until the couldnt get the money out of the other account after 2 attempts. They attempted the withdrawl 2 times for each transaction then took it from the correct account the 3rd time. After I spoke with paypal and they said they fixed it, it happened again.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

FRAUDLENT INQUIRES WHERE MADE ON MY CREDIT REPORT! 
I HAVE PUT A FRAUD ALERT ON MY CREDIT REPORT! A POLICE REPORT WAS FILED DUE TO FRAUD TRYING TO BE COMMITTED. 


INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

Chase Auto Account Number XXXX XXXX XXXX The original loan statements were not received in a timely manner. The subsequent payments made were then resulted in a late being reported on my credit. I opened an investigation in XXXX on this matter, I never heard back. Covid hit, we asked for, and received a deferment, yet every month that we had a defer Chase reported late. As a result, multiple late payments have been reported and it is killing my score and making it difficult to obtain EIDL from the SBA and other finale options we are pursuing due to COVID. Even the statement attached shows that there was no correspondence between Chase and me for 3 months.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am requesting to dispute the accuracy of certain accounts on my credit report. After reviewing my credit report from your agency, I have identified inaccuracies that I believe require immediate attention and correction. The following accounts are listed below XXXX XXXX XXXX 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 2022-10-20
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. (TX)

How Im the world can yall update my credit score with closed accounts late payments if its closed wats late on it its against the law to to do that please stop updating my account wit those accounts thats closed and fraudulent they are are fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more if a account is closed and fraudulent how am i continuing paying for the stuff if its close please remove these items off my credit report they are fraudulent and not mines please please remove them
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Direct Recovery Services, LLC (OR)

XX/XX/2010. I got a phone message from a number represented on my phone as being from XXXX Oregon the number is XXXX. XXXX is a small coastal town very close to where my Mother lives. In the message they state that I had made arrangements on a " matter '' but those arrangements were now over and I needed to call them. In reality there were NO arrangements made for anything. It was a lie. And they spoofed a number. This was deceptive and my info has been compromised in at least three data breeches and displayed on the dark web.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX, I was informed by the IRS Criminal Investigations that my identity had been stolen. On the same day, I froze my credit reports and submitted a fraud complaint to access the improved credit protections. 

Also on XXXX XXXX, I had to call Equifax to login to my account to check my credit. As part of that call, I requested that Equifax mail me a paper copy of my credit report since I would be unable to login for up to a week while they researched the issue. 

On XXXX XXXX, I called Equifax to inquire just where my credit report might be, and to inquire ( again ) on how to login to the website. I was able to get satisfaction on the login issue - but was told that my paper credit report was mailed to a previous address of mine that I have not lived at for 2 1/2 years. On my credit report online, I can see that the address that the report was mailed to does show as a previous address - and my correct current address is shown correctly. Worse, there was nothing that Equifax could do for me, after mailing my life history to a stranger.

What type of remedy is available to me? How do I retrieve that report, or verify that it hasn't been used maliciously or given to someone else?

I am appalled that a business *that I never gave permission to access my personal information* could be so careless with that information, and then wash their hands of it.
Consumer complaint received 2022-10-25
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. (IL)

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, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (CO)

At this point I am convinced that I am dealing with a fraudulent situation and that I was lied to in what was described as a loan transfer which was, in fact, a refinance of an auto loan that had been reduced to principal. 

I was approached by a Westlake representative offering me a " thank you offer for maintaining a pristine payment history ''. The offer was an incentive of {$2000.00} to transfer my account to another division for management and that while I would only incur interest on the {$2000.00} only. I asked upside down and backwards that this transfer would not incur any additional interest over the course of 3 days. Every single time I was told that it would be a transfer only, that it would not have any effect on my credit report and that I would only continue paying on principal ; my payment of $ XXXX/mo went up.

Yesterday I find out that I had actually re-financed my loan and agreed to paying an additional {$11000.00} in interest. There is no sane person on EARTH that would agree to paying double interest on a loan?? Unless it was buried in the contract ... .and lied to horrifically and repeatedly.

Westlake destroyed my entire credit history ; reporting that I owe two loans to them for a total amount of {$33000.00}. Within their process they have deleted my entire credit history, showing my old account as closed, which should be paid off if this was actually a re-finance correct? They can't seem to see the problem on their end ( further instance of fraud )? 

My last conversation with Westlake I requested a transcript of my conversations with them in association to this transaction and was told it would only be released for legal reasons. I explained that it was for legal purposes and was told they would not release it. I got them to admit on tape that they were denying me access to my account information and contact history. 

Apparently this 'transfer ' company has a different name yet appears to be operating under the Westlake banner. That said, this certainly points to fraud- why would I have two accounts unless ... ..I do... and that would explain a lot. One is real and one is fraud. doubling the interest charged through lies, deception and manipulation. Informatively, in my reporting them to the XXXX  I found multiple complaints of the exact same circumstance of being ticked into re-financing a loan.

I have reached out 3 times to the CEO via email since last month with no response. He did direct his Compliance Officer to respond to my initial email and I was treated like a child, talked down to and incredulousness that I had any concerns whatsoever. He basically said ; it's your fault and live with it. 

I appreciate you taking the time to review this information and I hope you an find out what is going on- thank you, XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I was in XXXX XXXX jail from XX/XX/XXXX till XX/XX/XXXX when I was released I was locked out of my chime account it took almost XXXX weeks to get back in only to find that over XXXX dollars was taken from my account I filed a claim letting chime know that I was in jail and still had my card I sent them proof of my incarceration to show them there was no possible way I could have used my card I was in a maximum security jail my card must have been cloned cause I still have mine and it was used all over California they gave me a decision in XXXX minutes denying my claim so I filed again and more of the same they keep saying no error has happened I keep sending them emails with the proof of my were about and tell them it was a theft not a error so I used my new card number XXXX time for XXXX dollars and they locked my account it's been XXXX weeks now and I haven't been able to make my car payments my water bill and so on I have sent chime photos of me holding my id with a peace of paper with the date on it but I still can't get in to my account they let someone take out over XXXX dollars with out question but now I use XXXX dollars and they lock me out they need to pay me back my money they let get stolen and pay all my late fees and let me back in my account
Consumer complaint received 2019-03-24
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. (MA)

I asked Experian to change the status or ad a statement saying that XXXX account was paid or is closed, not unknown. 

They have not fixed., They are very irresponsible toward citizens creditworthiness. The government should put more attention to the work ethic, treatment, and professionalism of this bureau.
Consumer complaint received 2019-03-24
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. (CA)

XXXX, XXXX and tranunion are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Equifax, XXXX  and XXXX  are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.
Consumer complaint received 2019-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX I filed a complaint with the CFPB against Midland Funding. In retaliation, Midland Funding called my employer requesting verification of my employment by my social security number. I filed a second complaint and I was contacted by XXXX XXXX XXXX who advised that the debt that they attempted to collect was not legal as they had this debt in their office since XXXX and did not make any attempt to collect then, and the agent who advised of the debt had misinformed me. I was assured that no effort to collect this debt would be made as the statute of limitation had passed. I have since received notification that a collection of {$310.00} by Midland Funding has been reported on my XXXX Credit file by Midland Funding. Upon checking the account and the date opened on my credit profile it is apparent that this debt was settled and Midland Funding is attempting to collect this debt once more.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company XXXX, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and Experian refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to experian with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX  and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to Experian and XXXX, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.
Consumer complaint received 2022-06-14
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: CITIBANK, N.A. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Citibank NA, Best Buy. Citibank NA, Best Buy is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Citibank NA, Best Buy is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Citibank NA, Best Buy any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2020 ( XX/XX/2020 ). If they are not removed, I will hold Citibank NA, Best Buy criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Citibank NA, Best Buy can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.