davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (FL)

I recently pulled my credit report from XXXX AND XXXX AND TRANSUNION, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from XXXX and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( XXXX, XXXX, TRANSUNION ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

I'm disputing State Employees Credit Union credit account # XXXX that's showing on my credit report incorrectly. Showing account is open and account has been close since XX/XX/XXXX, XXXX Credit report is showing a rolling 120 days late which is impacting my credit score and my credit impact. I have contacted State Employee and asked that they remove, and they have not. State Employee credit Union will not confirm the debt. The current amount owed on credit report is XXXX this impact my credit score and credit usage and affecting me getting home finance.
Consumer complaint received 2022-05-16
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. (DC)

On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from Equifax, and confirmation # XXXX from XXXX, XXXX never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( XXXX ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). Equifax, XXXX and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax, XXXX and XXXX failed to Investigate both times according to federal law ( FCRA ). Equifax, XXXX and XXXX haven't conducted personal interviews with my 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. Equifax, XXXX and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand all 8 accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-05-16
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. (DC)

On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( XXXX, XXXX and TransUnion ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from XXXX, and confirmation # XXXX from TransUnion, XXXX never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). XXXX, XXXX and TransUnion failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, XXXX and TransUnion failed to Investigate both times according to federal law ( FCRA ). XXXX, XXXX and TransUnion haven't conducted personal interviews with my 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. XXXX, XXXX and TransUnion are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that XXXX, XXXX and TransUnion furnished to my consumer report fraudulently. I demand all 8 accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NY)

This certified letter to notify you that I believe I have been a victim of identity theft. Please rate the following accounts as " unrated '' until this matter has been resolved.

I am formally requesting the following : 1 ) Please place a fraud alert note on my credit immediately.

2 ) Please notify all companies that have inquired in the past 12 months that identity theft has occurred.

3 ) Please do not authorize credit in my name without calling me first at ( XXXX ) XXXX XXXX for verification. 

4 ) Please send me a complete copy of my credit report as soon as possible so I can check it again for accuracy.

5 ) Please do not release my credit information to any credit issuer in the future without my permission.

I will inform you in writing when the matter has been resolved to remove the fraud alert. Enclosed is a copy of the FTC ( if you have one ).
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2022-10-17
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. (NJ)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-16
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. (TX)

I am requesting CFPB to launch an investigation with Transunion credit reporting agency due to an incorrect public record reporting on my credit file. I have been disputing a XXXX XXXX bankruptcy that is reporting inaccurately. Transunion continues to state it has been verified but will not disclose by who so that I can ask them to do an investigation. Originally Transunion stated it was verified by XXXX XXXX, so I requested that they perform an investigation and upon completion of XXXX investigation they deleted such bankruptcy from their database. I sent the letter from XXXX XXXX to Transunion, and they once again stated it was verified but did not disclose by who. I have spoken with and received correspondence from the courts that is reporting on my credit file, and they also have sent correspondence stating they do not report or verify anything with the credit bureaus. This inaccurate information needs to be deleted ASAP because I am unable to find a place to live. I have sent certified mail, all correspondence from both XXXX and the courts, I have no clue what else they want or need.
Consumer complaint received 2022-05-16
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)

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.
Consumer complaint received 2022-05-16
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 (IL)

My name is XXXX XXXX, and I would like to report Paypal for unfairly preventing me from using my personal starting XX/XX/XXXX and business Paypal on XX/XX/XXXX account and holding my funds according to them for 180 days. I am an upcoming entrepreneur, and my goal is to help liberate clients, friends, and the world from the shackles of poverty. I provide account set up for my client and advice about work/gigs, financial/ crypto platforms, gaming platforms, and XXXX marketing services XXXX However, after providing documents and trying to explain my case, PayPal has continued to limit my account permanently and has vaguely said it is because of the risk associated with the services I provided. The PayPal accounts I am talking about are XXXX and XXXX and respectively have a balance of {$570.00} and {$2900.00}. I would appreciate it if Paypal could kindly allow me access to my account and my funds because it is causing me a lot of anxiety and frustration, and I want this nightmare to end. 

Best Regards XXXX
Consumer complaint received 2022-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX  XXXX XXXX is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report now.!
Consumer complaint received 2019-11-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I've settled this payday loan in 2016 with Cash Central and DFS.

I'm now getting collection calls from a collector that Cash Central can't / won't validate. I've asked the collector to validate the debt and that I settled the debt in 2016 through DFS. 

I've provided all the documentation that I have on my credit report. If Forced I could go back to the Bank and Find the check / Credit card that I settled the debt on. 

This collector won't stop emailing and texting me along with calls. The collector then asked for my address. If they are collector they should have or find that info. 

Please help me to address this collector as I don't see them as being a registered collector in the state of California or the collector that cash central has provided that owns the account.
Consumer complaint received 2019-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (NJ)

Auto loan on my credit report was reported as unpaid even after 1 year of having posession of it ..Company sold it after repo ... they sent documents of XXXX   balance and then soon after their collection/loan department resend another document saying their was a balance and proceeding to report amounts owed as though they didnt already have the car and that I incurred a debt during that time.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2021-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I had {$16000.00} on my saving account. On XXXX XXXX Webster bank added the interest earned and it became {$16000.00}. 
On XXXX XXXX it is showing an unauthorized withdrawal of the full amount {$16000.00} to XXXX XXXX XXXXXXXX XXXX XXXX. 
I have been saving this money for 2 years I cant loose for an unauthorized withdrawal, the bank needs to have a better security system!
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

I have a Chase XXXX XXXX XXXX that is linked to United Airlines. It has a yearly fee of {$95.00}. In exchange for the fee, it promises ( among other things ) 2 United Club one-time passes per year. These are supposed to be distributed automatically on the anniversary of receiving the card. I didn't receive any for this year. I asked for them and after many hours on holds was told that they would eventually be distributed to me. I've never received them. I have paid the fee though.
Consumer complaint received 2018-07-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (FL)

I turned in the XXXX XXXX XXXX under miles and in solid condition. I scheduled the handover with the dealership and the representative looked over the car. I made the payment due and was due for 2 more payments which they told me would be billed. I received a condition report the {$220.00} total was due at {$110.00} each tire. I received a letter dated XX/XX/XXXX, stating this is not a bill, but {$1800.00} was total. Another letter dated XX/XX/XXXX was sent out stating how they calculated what is owned as follows : " we used the proceeds from the sale to determine what amount, if any, you still owe us. '' But the amount was the same as in XX/XX/XXXX letter which was not a bill. I have contested the amounts due as I am being charged for tires that were returned with adequate tread. They forwarded a picture which purports to be of tires, after they claim they sold it and you can't even see anything to document that it is even a tire. I sent in check for 2 months and they return check saying couldn't identify even though name, address and 4 last numbers of lease were included. I have resent a check for the 2 months with complete lease number around XX/XX/XXXX and to date do not see it processed. They have told me 2 different ways of determining what I owe but the amount stays the same. Over the phone they said they sold the car but can not produce the bill to show what proceeds were received. I disputed the amounts due back in XX/XX/XXXX. I dispute that the tires were worn as they detailed, they were returned with adequate tread.