davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (TX)

XXXX XXXX Bank XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Response to complaint XXXX-XXXX  XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ XX/XX/XXXX : XXXX $ USAA has an option on their application to pay your credit statement directly through the app. As I approached my limit, I decided to pay it, as I normally do. Only this time, the following morning, I was informed that the payment didn't go through. So naturally, I sent it through again. After checking the linked account I am paying the bill with, all of the charges displayed that they had been taken out. However, now I am out over 900 $ ( also included is an overdraft charge on the linked account used to pay the credit bill of XXXX $ ) Now USAA has over 900 $ of mine, hasn't returned my credit limit or my funds that they have TAKEN and has been cleared by my bank. I have no available credit, they will be charging me interest on the remaining balance and no access to funds because they overdrew my checking account at my other bank. Meanwhile, they said they have to hold MY money for 10 days. Whatever the reason, their system triggered this. They have stated there is nothing they can do, which I know is false. The credit limit I have is XXXX . And I have no explanation as to why this is even remotely acceptable. This is theft from a major corporation and there has been no attempt at resolving this. Seeking legal representation to make sure this doesn't happen again to anyone else and seeking all compensatory charges.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

In 2021 I lost my job and had to take utilize my 401k to survive. Although I knew my money was limited my I was still making the minimum payment on all of my credit cards. Out of no where my credit card was closed. Which of course impacted my score. I couldnt make the full balance due but I still paid the minimum.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I have been a PayPal member since XXXX and only use it for occasional sales/purchases on XXXX. I have never violated any of their service rule agreements. Around XX/XX/XXXX, I logged into my PayPal account and read it had been permanently limited. I asked for a reason and possible remedy, but PayPal refused my request. I complained to the XXXX, and despite the efforts of the XXXX, Paypal still refused to provide any details on the limitation or possible remedies. After over a year, PayPal maintains my financial and personal data in their database. I can not delete or change any data. I am seeking help from the CFPB to have PayPal delete my data from their database. They should not be allowed to retain the personal information of people not using their service.
Consumer complaint received 2024-01-25
Product: Credit reporting 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. (MN)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2017-08-10
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)

Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX  XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
Consumer complaint received 2022-10-19
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. (MI)

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating XXXX of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " XXXX, Equifax, XXXX XXXX have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Consumer complaint received 2019-08-24
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)

On XX/XX/XXXX I submitted a letter asking for verification of compliance to accurate reporting of information on my credit report. There are items being reported inaccurate and I wanted verification of the process and reporting. I asked that the following inquiries be verified : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX be check for compliance with reporting. I did not authorize either of these inquiries and they did not have permissible reason to access my file. I received the results stating the " inquires are a factual record " and that was the results of the investigation. Not providing what I asked for in my letter. 
I also asked for compliance proof for the following items being reported inaccurately on my credit report : XXXX # XXXX reporting 2 ( 30 days late ) also no closed date. XXXX XXXX XXXX # XXXX reporting a charge off XX/XX/XXXX after reporting included in bankruptcy the previous results from investigations. BANKRUPTCY CHAPTER XXXX # XXXX XXXX XXXX XXXX XXXX. I forwarded a copy of a screenshot of an eoscar for the account with no results. Also they state the information was received from XXXX XXXX which verified no record and the access to my record has been a freeze since XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUIST FINANCIAL CORPORATION (IL)

I have not received the tax documentation for our 2023 tax filing. 
Truist has disabled the online account, so that I am unable to get the document. 
They are refusing to re-establish access to the account so that I can access the document for our current tax year filing. 
They claim to have mailed it, and present the only option available to me is to mail it again. 
I want to get our documents more timely than that to our accountant. 
It seems unreasonable to disable online access to the documents for this loan within a time frame that includes correct filing of current year taxes.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-10-09
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. (NC)

On XX/XX/XXXX, I mailed letters to the credit bureaus, asking them to investigate errors on my credit report. They are supposed to respond inside of 30 days, but they have not.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Good afternoon, I want to start by saying that I'm not those who complain, but DITECH has no respect for the consumer. When you call the XXXX you can easily be an hour waiting for someone to answer. I'm escalating this situation to you after unsuccessfully trying, for more than two months, to get an answer from this company. 

I received a letter from DITECH dated XX/XX/2018 informing that a new APR was calculated for my mortgage changing XX/XX/XXXX. Based on their explanation the new interest is the addition of the margin 2.2500 % and the LIBOR published that day at the XXXX. According to DITECH, the LIBOR XX/XX/18 was 3.10388 %. However, looking at the site it shows 2.18175 % for the day ( almost a point difference ), 2.36813 % for a week and 3.05275 % for 1 year. Not even close to the 3.10388 % they indicated. 
See the official LIBOR at XXXX XXXX XXXX link. 
XXXX XXXX XXXX XXXX As a result, the APR should NOT be 5.37500 % ( 2.22500+3.10388 and 0.125 rounded up ) as communicated. Instead, it should be 4.43175 % and 4.37500 % after rounded. It is a full point difference. 
For more than two months I have been battling with it. I have sent 5 emails, called more than 8 times ( waiting almost an hour every time I call ), but neither the customer service rep, not the supervisor provides a solution. They understand the Math after checking the XXXX site but the response has always been, " It is under review and someone will get back to you ''. 
I proposed to keep my previous payment until I get a final answer but the supervisor XXXX XXXX batch # XXXX, said the payment won't be accepted therefore my credit will be reported and damaged as a result. I didn't have any other option than paying the new APR. 
I honestly can not understand why DITECH is taking so long. Im also concerned about how a Financial institution can charge whatever they want without supervision and wondering how many others are in the same situation without even noticing. 

Your help is highly appreciated Thanks in advance XXXX XXXX
Consumer complaint received 2018-04-19
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. (FL)

I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my experian and XXXX reports
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an Ashley furniture account for XXXX XXXX  with synchrony bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at synchrony bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- 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 is missing that should be on the report
Company: Experian Information Solutions Inc. (MA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The accounts are being reported currently open and the accounts need to be closed. 
XXXX account number XXXX opened on XX/XX/2022 for the amount {$530.00} XXXX XXXX XXXX  account number XXXX opened on XX/XX/2022 for the amount of {$140.00} The accounts are being reported currently open and need to be closed immediately. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. This account should not be furnished on my consumer report. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 2022-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$1400.00} /
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (FL)

I checked my personal credit report, and I noticed unauthorized inquiry had been made. 

I contacted these creditors, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into the following inquiry on my credit report to determine who authorized the inquiry. 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX   XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XXXX XXXX   XX/XX/XXXX 16.XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 17.XXXX XXXX XXXX   XX/XX/XXXX 18.XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IA)

XXXX XXXX, XXXX has illegally restricted me from using their services. They say first my account triggered an alert, stating Ive supposedly violated their terms of service, but can not seem to prove it to me, stating for security purposes, they cant tell me. Now they say theyre using the regulations against me. They say basically they can do whatever they want, and corporate refuses to contact me back. Ive tried contacting their corporate office, but no avail. They absolutely refuse to contact me back. I would love a call from corporate to explain how they get to make their decisions, and why?
Consumer complaint received 2018-12-07
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. (FL)

I wrote to Experian ; XXXX and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Consumer complaint received 2022-11-30
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. (NV)

For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX. Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting XXXX different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my account.