davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX # XXXX ... & XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status codes.
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY ASSOCIATES ( JUNK DEBT BUYER ) PURCHASED AND ILLEGALLY REAGED A FRAUDULENT DEBT XXXX ( ORIGINAL XXXX PERPETRATOR XXXX XXXX IN MY NAME AND REPORTED ON MY CREDIT REPORT TO MALICIOUSLY CAUSE GREAT HARM TO ME. ACCORDING TO PREVIOUS RECORDS OF MY THE ORIGINAL FRAUDULENT ACCOUNT WAS REMOVED FROM MY REPORT MORE THAN FOURS AGO. THE CORRESPONDING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DEEMED AN ADDRESS THAT WAS FRAUDULENTLY USED IN MY NAME WHICH PORTFOLIO RECOVERY ASSOCIATES SUPPLIED TO THE CREDIT BUREAUS WHICH IS ANOTHER VIOLATIONS OF MY RIGHTS ACCORDING TO FCRA AND fair debt collection practices act AS WELL. THE YEAR OF OCCURRENCE AND CLOSURE OF SAID FRAUDULENT ACCOUNT WAS XXXX WHICH PUTS IN QUESTION HOW THIS ACCOUNT REFLECTS A NEWLY START DATE OF XX/XX/XXXX WHICH I ONCE AGAIN REPEAT IS A ILLEGAL RE-AGING OF THE FRAUDULENT ACCOUNT. I DONT OWE THE BS COMPANY ANYTHING
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (WA)

I have had a home mortgage with XXXX XXXX ( Loan servicer is LoanCare ) since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with XXXX XXXX was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call XXXX XXXX and Loancare the servicing company used by XXXX XXXX and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to Transunion, XXXX, and XXXX. 

Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with TransUnion, XX/XX/XXXX, with XXXX, and XX/XX/XXXX with XXXX. Furthermore, XXXX  XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to XXXX but failed to provide any record for the same date on XXXX and TransUnion. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to XXXX but omitted this information from XXXX and Transunion. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a 98 percent payment history for XXXX XXXX while indicating 94 percent for TransUnion AND 93 Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX XXXX XXXX HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I 'm victim identity theft I have disputed this with transunion XXXX for sum of {$250.00} was deleted not mine some one with similar name removed back on XXXX XXXX sum of {$3900.00} wow deleted due too not mine some one with similar name back on transunion has negelected me buy removing paid as agreed loans such as ford acct XXXX sum {$35000.00} removed its positive account opened XXXX XXXX closed XXXX XXXX ally financial opened XXXX XXXX closed XXXX XXXX sum of {$27000.00} they have been called they see it in there archives I have asked for them too re-report it they agreed too put it back on due too typo error in there behalf yet too be re-reported I asked them please put back on my loans with texas XXXX XXXX XXXX loans starting in XXXX XXXX sum of {$32000.00} closed in XXXX XXXX then XXXX XXXX closed in XXXX XXXX sum {$18000.00} then XX/XX/XXXX closed in XXXX XXXX sum of {$25000.00} nothing they will not re-report what they removed with out my consent nor do they care about what there reporting I have for some on reason XXXX inquiries from XX/XX/XXXX too XX/XX/XXXX wow I have begged them too delete these inquiries there hurting me really bad there not mine according too the fcra they must delete everyone them at once due too fraud there wanting police report I sent lawyers report as town I live in do n't do reports as I told them my attorney gave me statement too mail them they ignored it they have done nothing but injure me really bad I hade XXXX fico XX/XX/XXXX know I do n't know there not following the fair credit reporting act please help me thanks
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX
Consumer complaint received 2022-04-09
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. (OK)

The name and birthday connected to my credit account are not my legal name. The name on my report now is XXXX XXXX but my full name is XXXX XXXX XXXX XXXX. My birthday is XX/XX/1989.
Consumer complaint received 2022-03-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I sent capitolone a verification form and they said they have done a complete investigation and they had 15 days to do so verification form sent XXXX XXXX 2023 and not returned take this off of report null and void and if closed were my XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2023-06-21
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. (FL)

I have old items on my credit report that I would like to be updated and I have been reaching out to this company over and over to do so they continue to have old information that I no longer have access to on my report and I would like for the updated.
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Hi, I called today at noon with a question of deposit a check with my former name. The customer rep asked me 6 questions to authenticate my identity, from which I may missed out one or two. The phone hung up then I called again with a similar process, this time, she asked me more questions with no disclosure the purpose of these process. In the end, I spoke to a supervisor for my unsolved question. I spoke to XXXX and verified my account. Then I discovered my account was locked and could not be resumed. The account technician called me back later in the afternoon with 12 questions, and lastly he said I had a security question, which he could not read clearly. He insisted my account remained locked. This is unbelievable - I have my paycheck and stock trading with this account, over 20K assets in there. THIS IS A SCAM. I am looking for cfpb to step in and resume my lose.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have paid different accounts and Transunion has it paid off and XXXX does n't! I have a credit score that is XXXX pts different from one credit company to another! I have collection items that were paid on one credit report and open on others. I have late payments on Trasunion and there on none in XXXX.
Consumer complaint received 2024-03-07
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. (IL)

15 U.S Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION, XXXX AND XXXX.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (SC)

I was sent a letter from Credit Management , LP dated XX/XX/XXXX. This was a letter stating I owe XXXX XXXX ( XXXX ) {XXXX} from XXXX. This is a 5 year old debt they trying to collect on. My state limitation is 3 years. I responded to this letter on XX/XX/XXXX with a validation letter that I mailed to them via Certified U.S. Postal Service. They received this letter from me on XX/XX/XXXX. There was no response from them to valid this debt. I followed up with another validation letter mailed via Certified U.S. Postal Service on XX/XX/XXXX. They received this on XX/XX/XXXX. I received notification from a credit monitoring app that I had a new collection on my report. They placed this debt on my credit without them validating this debt or sending me anything to prove this was my debt. The FCRA gives companies 30 days to respond and as of today I have no received anything.
Consumer complaint received 2021-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I contacted Experian via a Dispute letter regarding XXXX XXXX once in XXXX and Once in XXXX. Experian is reporting XXXX XXXX with an open date of XX/XX/2020. One, I have never opened an account with XXXX XXXX. I have requested Experian to send me documentation with my signature agreeing to terms with XXXX XXXX and they still have not sent any documentation. Two, Experian is reporting a date of last activity of XX/XX/2020. How can there be an opened date of XX/XX/2020 and a last activity date of XX/XX/2020?
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (FL)

XXXX XXXX XXXX has contacted me about having to collect a debt with the amount of {$1100.00} ( I think thats how much ) from PayPal. They said that I stopped using the PayPal account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on PayPal nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the PayPal industry. Please contact me furthermore about the standing investigation of this incident.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MI)

Since XX/XX/ Ive been dealing with chime about them closing my account and not receiving my funds back they asked me to send in every documentation to verify myself which I provided & they still keeping my money.i aint even asked them to send back to the original sender and they have not done so
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed two legitimate disputes ( see attached ) the creditor failed to process, receIved from me full documentary evidence in support of my disputes, repeatedly lied to me about disputes processing and literally delayed timely action as needed for the chargeback. I sent few letters complaining for their failure to dispute two transactions detailed in my letters, however the creditor lacked to respond and spinned me in a runaround. In addition to it, I reached out to the creditor during COVID-19 pandemic, asking for taking my payments and to avoid bad credit reporting in compliance with CARES Act. Creditor did not follow the law, acted very unrpofessional, violated my rights as a consumer.As a borrower/card holder, I establsihed a very good, stable and timely payment history with the creditor for the last few years. Please review the attached records related to my recent communication and attached statements of disputed transactions. I am seeking your kind assistance in bringing this matter to full and satisfactory resolution, since I have troubles in communicating with Capital One corporate office liars. My goal is to keep my account active without delinquences, get all late fees and bad credit reporting reversed/updated and resolution of my two previous disputes filed on time.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Upgrade, Inc. (MO)

My card had the incorrect address on it. When I would call the company to dispute charges I did not make on the card they would tell me they could not verify my account to help me because the address was out of california, and I live in missouri and have never lived in california. I finally got someone to help and they said they saw that I had closed the card and put a lock on the account in XXXX. There are charges from XXXX on the account from XXXX. Also, they will not take my new bank account information because they dont recognize my bank in their system. Therefore, I can not verify account, I can not make payment on the account, and there are two late payments being reported on the account that are not correct. This account is a mess and I can not get any assistance from customer service. One woman I talked to was extremely aggressive and insisted that even though I was able to verify my phone number, my real address, my social security number and birthdate, she would still not discuss or help me with my account because of the incorrect address and because I did not call from my own phone number that they have on file. This has been a nightmare. Also, I have given them permission for my wife to talk to them because I am frequently out of town. They refuse to add my wife to the account.
Consumer complaint received 2022-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/XXXX we received notice that SunTrust ( Now Truist ) did not received our monthly payment. We had changed where the payment was being sent to as our bankruptcy had completed and now we were to send the payments to a different processing center. Our XX/XX/XXXX payment was processed as a total principle payment and not applied to the monthly payment. This has occurred each month since, and we have had to call them each month to move the money to be processed correctly since. They have the payments ahead of the due date. We have asked for this to be correctly processed and not make this a habit that we have to call them to do their job correctly each month. This is now a FIVE month continuation of the same problem. There has been no fix to the process other than after we call them. We have checked to see if the payment is being sent to the correct place and it has been verified each month as being sent to the correct location. We will be calling them again today to fix the XX/XX/XXXX payment.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I loaned a friend money for a mortgage and he paid through XXXX which was tied to my Venmo account. He paid {$4000.00} in total and I tried to transfer the money to my bank account. Venmo froze my account and have permanently deactivated it for violating their user agreement without reason and are holding on to the funds for up to 180 days
Consumer complaint received 2023-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

They dare saying I owe XXXX out of nowhere from a place I dont live the credit is XXXX XXXX and out XXXX XXXX this debt is not mine someone used my info I live at if I sent
Consumer complaint received 2022-09-27
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. (LA)

please remove fraudulent/unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. Or provide proof in writing within 30days