davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

This bank account on my Experian ( only credit file this account is on ) is not an account I ever had and is inaccurate. I tried communicating with Experian who hasn't gotten back to me within 30 days and the bank. I disputed this information and haven't heard back from credit bureau which is why I am reaching out. The following is the information : Account Opened : XX/XX/20XXXX XXXX XXXX XXXX XXXX  Balance : {$6700.00}
Consumer complaint received 2022-07-27
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. (CA)

Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (TX)

The Califonia Business bureau has committed various deceptive and egregious acts to attempt to extort me into paying this debt. Firstly they have listed it on my credit report as several collections instead of one to attempt to ruin my credit. Secondly they have never provided any signed document, a copy of my id at the date of service or any such agreement saying that I would pay this debt. Thirdly when I called them to try to resolve the collection without going to court they asked for my " social security number to look up my account '' Once I gave it to them innocently the collection agent on the phone said we will never take this off your credit report and said now we have your social security number so you cant get out of this. It has been a terrible experience and this is my final step before pursuing legal action.
Consumer complaint received 2022-04-06
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)

I have disputed this XXXX XXXX and it has not been corrected on my Experian report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (NJ)

This is coming from myself and no other person. On XX/XX/XXXX I contacted this company in regards to my right to privacy. This company has been furnishing items on my consumer report without my consent. This is a violation of federal law. I demanded this company to remove these items that are against the law and this company did not comply. In fact they claimed to have done an investigation when in fact there is no investigation needed in my demand to exercise my right to privacy. This is IDENTITY THEFT 18 U.S Code 1028. EXTORTION. 18 U.S Code 872. RACKETEERING 18 U.S Code 1962, FRAUD AND SWINDLES 18 U.S Code 1341 and 18 U.S Code 880 RECEIVING THE PROCEEDS OF EXTORTION. Amongst the FCRA violations like PERMISSIBLE PURPOSE 15 U.S Code 1681b
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc ()

Hello CFPB, my PayPal account suddenly permanently limited by the system after I submitted my ID that they asked for me to restore my account. My account temporarily restricted after I received payments from my services online yesterday and today. I just want to restore my account because my capital for my small business online is stuck on it. I've tried to call the numbers they provided for the costumer service but I can't able to reach them. I don't know what happened and how to connect with them.
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have contacted Ditech MANY times about my concerns, but nothing ever gets resolved. 

Every year, they send a XXXX statement to me, and I end up paying taxes on that amount. I have asked them at least seven times where this interest they have supposedly paid me is. Most recently, I asked in XX/XX/2019. I keep getting put off. I got a letter saying they were looking into the matter. Then I got a letter saying they were still looking into it. It's nearly the end ofXX/XX/XXXX, and no one can tell me where this interest they supposedly paid me got credited. 

I have checked my account every month, gone through the escrow, funds applied to the principal balance, etc., but there's no record of my EVER being credited any interest. 

This has been an annual battle, and I'm weary of it. I'm fine paying taxes I owe, but if I'm not getting the interest as Ditech is claiming, I should not be paying taxes on it. 

More recently, when I went to pay off my mortgage ( on XX/XX/XXXX ), I noticed they charged me {$190.00} in late fees even though my mortgage due date is on the first of the month, and they had already processed my XX/XX/XXXX payment. I can't be paying late if I'm 10 days early. 

Both of these issues seem like consumer fraud to me, and I'd like help getting this sorted out. 

Ditech is useless when I call or write. I get a run around and " we're looking into it '' without ever getting resolution.
Consumer complaint received 2018-05-24
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. (NC)

On XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX. At that time, my credit card with XXXX XXXX, opened in XX/XX/XXXX, had been reported as purchased by another lender, sold to another lender. The account had a last activity date of XX/XX/XXXX and a last reporting date of XX/XX/XXXX. 

Throughout this process, my credit was pulled on XX/XX/XXXX and XXXX XXXX was still reporting what was listed above. 

On XX/XX/XXXX, my credit was pulled and there was a change on how they were reporting. They changed the date of last activity to XX/XX/XXXX. The added remarks that this was disputed, which I never did. They then changed the account to being close in XX/XX/XXXX. If this account was sold to and sent to another company, then this debt should have been closed with them back in XX/XX/XXXX. The debt was settled immediately with the collection agency when I received notification. 

I would like for XXXX XXXX to change to update the bureaus immediately, as this account should not have had any changes to their reporting. Especially since they no longer held the debt.
Consumer complaint received 2022-07-27
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)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : DEPT OF ED XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (OH)

It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/2024 EXPERIAN DISPUTE AGAIN XXXX FOR CAR LOAN Good Morning, I am repeating that XXXX was frustrated that I was closing my account and moving to XXXX XXXX. They retaliated by turning off my online access and would not allow me to make the payment in a timely fashion, by not allowing my payment from new credit union. 

It was not only intentional, but I have filed with the XXXX  to complain. 

In XXXX  years of membership, I never EVER even ONCE had a late payment. 

By turning off my online access, I was calling in, using number after number to try to input my payment. 

Their management team would not return my calls. I have original file with XXXX  that I will include. 

AFTER that, they then called me, I told them I could not SEE anything on my payments, so they turned it back on. I was then able to pay immediately. 

In my opinion, they intentionally covered up when the payment was due, as it was on auto pay along with ALL my payments for XXXX  YEARS! 

This filing was from XXXX, I finally got a response after the complaint and then they turned it off AGAIN! 

I am not the only person this has happened to! I would ask that you accept my dispute, as I do NOT have ONE SINGLE other history of late payments. It was for {$130.00}. 

My husband is a XXXX, it was NOT the amount, it was them intentionally making a late payment by hiding my online access.
Consumer complaint received 2022-07-27
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}
Consumer complaint received 2022-07-27
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$190.00}
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

We have called XXXX XXXX to have them explain how a loan balance of XXXX accrued XXXX of interest in 13 months. On XX/XX/XXXX, a payment of XXXX was applied to my account. This left a balance of XXXX. The office in XXXX informed my wife that they could not accept a full pay off from her because she was not on the loan. This was really odd to us. On XX/XX/XXXX, we paid off the loan. The pay off amount was XXXX. I still don't understand how they came with this pay off. 

The interest rate on the loan is 25.00 %. When I calculate the interest based on the loan amount, the interest should be around {$37.00}. I have been sent a copy of the my agreement but I can't find it were is states I'm responsible for the full amount of the interest of the loan assessed on the full loan amount for the full term no matter when I pay it off. 

I did find a " Prepayment '' section stating that I would be refunded the unearned portion of the Finance Charge interest if the loan was p. As of today, I have not received a refund.
Consumer complaint received 2022-03-11
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. (NY)

I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Business Factors (NV)

This is a complaint about two Bad Actors who purposefully, willfully and knowingly conspired to injure my credit standing under false pretenses. On XX/XX/XXXX I was transported via ambulance ( XXXX ) to a hospital due to a accident. At the time of transport, I was requested to and provided current state identification and medical insurance cards. To date, I have not received a bill nor request any other written notification from XXXX requesting payment for any outstanding debt owed. 

All identification provided contained accurate current contact and mailing information. Despite having accurate information, XXXX employed a rouse to injure my credit score and rating by sending all notices to a General Delivery Post Office address USPS in XXXX, Nevada -- a township where I did not reside, despite having my address. When the mail was returned from General Delivery as undeliverable XXXX then, forwarded it to it's claim Collections debt ( National Business Factor ) -- despite my being completely unaware of any communication. 

Meanwhile, the attorney who was handling the case that originated on XX/XX/XXXX, had contacted any and all creditors regarding payments arising from this incident. However, because of XXXX 's actions he was unaware and therefore unable to contact them. He can testify to this. But XXXX 's actions were purposed to cause a greater harm in collaboration with their partner : National Business Factor, Collections -- they used my social security number to post a negative report to all three credit bureaus. 

I believe their actions evince an unfair debt collection practice and pattern with specific intent to do harm. The only reason I know know of their action is because I happened to be checking credit reports when I was noticed of a 25 point drop. I have the alerts/correspondences from my monitoring. National Business Factor has never ever written, called or communicated with me prior to my contacting them on XX/XX/XXXX. 

National Business Factor claims it can have this removed from the credit agencies swiftly and with just a letter. The agencies state that even if, paid or otherwise cleared, the information will remain on the credit report for 7-10 years. I have been harmed and am aggrieved and thus am seeking a remedy at law and in equity.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section : It also states a consumer reporting agency can not furnish account without my written consent.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (UT)

US Bank is refusing to honor a {$500.00} sign up bonus for direct depositing $ XXXX days. 

I disputed this & had several managers at US Bank review documentation. Even though numerous US Bank employees confirmed the bonus offer was correctly attached & valid for me ; once I began asking for the bonus, USBank told me I am " not the intended recipient of the offer '' and as such could not honor the terms. 

I did receive an advertisement offering the bonus ; however, I no longer have the original copy - US Bank is attempting to use this as the excuse not to honor the bonus. 
However, there is a currently offer for anyone who visits USBank.com to receive the same offer, regardless of original source.