davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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)

Re : Letter to Update Personal Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be in error. Here, as follows, are such items : The following ADDRESSES are being reported incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, FL XXXX, XXXX XXXX  XXXX, FL XXXX XXXX missing part of street name ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX incorrect apartment # ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXXl, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, XXXX, FL XXXX The following EMPLOYMENT information is being reported incorrectly and needs to be removed immediately : The following ALIASES are being reported incorrectly and must be removed immediately : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX The following TELEPHONE NUMBERS are being reported incorrectly and must be removed immediately : XXXX and XXXX By the provisions of the Fair Credit Reporting Act, please have these items removed from my report. Please send an updated copy of my credit report and confirmation of these corrections to the address listed above once completed. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-15
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. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX WAY, XXXX OH XXXX. My SS # XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX # XXXX account is reporting on XXXX, XXXX 30 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-05-15
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: LEXISNEXIS (NY)

RE : You violated the United States Code Law Hello, I am deeply distraught to find out that you have shared my personal information about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX ) with the credit Bureaus ( XXXX XXXX XXXX ). If the credit Bureaus did not obtain this information from you, then I request that you send me a letter stating that you did not share my information with the credit bureaus, and that they did not find out about my bankruptcy ( Chapter XXXX Bankruptcy Case Number : XXXX XXXX from your company. If you shared my information, that is a violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. Also Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. Criminally you are in violation of 18 U.S. Code 1028A - Aggravated identity theft, because you repeatedly share my information with new creditors. This punishment can carry up to 2 years in prison. you are also guilty of FDCPA 8012 furnishing deceptive forms, because the forms you sent to the credit Bureaus are misleading, and I feel misled by your actions. I attached exhibit A as proof that this bankruptcy is appearing on my credit report because of the information your company has illegally supplied.
Consumer complaint received 2022-09-28
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

FIRST XXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

I had lost my wallet in XXXX everything was in there my social my identification card medical card everything and XXXX or XXXX when banks just started to open outta nowhere and large amounts of money will be In the accounts then the accounts will go back to negative and I dont have no clue how they got there and its messing with me as a adult because I cant open a bank account please help me XXXX XXXX XXXX XXXX XXXX chase XXXX XXXX those are all the banks I seen that was opened up in my name
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MUFG AMERICAS HOLDINGS CORPORATION (OR)

MUFG Union Bank Purepoint is mistakenly reporting a late payment in XXXX 2022. Please see attached a transaction history from my bank showing proof of payment. Please recall the late payment asap. Thanks.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

hello, paypal. 

i just need transfer the remain balance to my bank account ending on XXXX XXXX. 
i made couple withdraw due to my limitation was place from the last year. 

My limitation was place on XXXX from XXXX already past 180 days ... .... 
i just need help for enable withdraw option please. 

i just want my money be release please XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE SEE ATTACHMENT FOR THE FOLLOWING XXXX ACCOUNTS TO BE DELETED FROM MY ATTORNEY. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-23
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. (IN)

I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....
Consumer complaint received 2017-06-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Without any notification, requested documentation, explanation or warning my account access was restricted, then this account was closed. Only after it was closed did I receive a letter from USAA stating it would be closed in violation of the consumer protection laws and Regulation Z. After inquiring the reason for this action, I was told they did n't know. The letter stated improper use, to which I requested clarification on as I have not done a single thing with this account from the date of opening. I 've received no response.
Consumer complaint received 2022-04-11
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

I have been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. 
In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX initiated an unauthorized wire transfer of 401 ( k ) funds to JP Morgan Chase. The funds were sent to an incorrect and unauthorized account and now JP Morgan Chase claims that they can not find the wire. 
Both companies are aware of the situation and both companies claim that the other company is at fault. All while the customer ( me ) is trying to track down retirement funds, to no avail. 

XXXX XXXX XXXX XXXX XXXX has offered friendly and helpful customer service, but can not do anything for me such as recall the wire. JP Morgan Chase has presented itself with terrible customer service. Every time I call, I have to restate the story from the beginning and I get transferred to multiple people who have no answers. When sending secure messages via the Chase website, I receive canned responses which offer no resolution. I have sent multiple messages, and even waited for more than 7 weeks for a response.

Furthermore, this unauthorized wire transfer of 401 ( k ) funds has tax implications that I will have to bear unfairly. 

Thank you for reading my complaint. I hope this will resolve the issue.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX and XX/XX/XXXX I requested Equifax, XXXX, XXXX XXXX, and XXXX XXXX to disclose their method of verification on the alleged bankruptcies they were reporting. I supplied each one with a notice from the US Bankruptcy courts stating that they did not verify nor provide such information to the credit reporting bureaus. 

XXXX XXXX then replied to me with the enclosed letter claiming that the bankruptcies were not able to be verified and all three have were removed from my file. The other XXXX credit bureaus have refused to respond to my requests and verify the information. 

This would mean this bankruptcy is by law considered UNVERIFIED. I am requesting each credit bureau remove all three bankruptcies listed in my credit reporting file at once.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WI)

This is in reference to recovering my XXXX XXXX XXXX from BinanceUS ( dba BAM Trading Services ), which is wroth around {$430000.00}!!! It's a very simple recovery process for BinanaceUS support to do, but because BinanceUS support is really really slow, there are a lot of people with the same problem as I and are very desperate right now. I found on XXXX that some people tried opening a complaint through here, so I'm here doing the same, and I hope that if you communicate with them, that they'll move on my support ticket XXXX and recoovery my XXXX XXXX. 

BinanceUS support ticket XXXX On XXXX, I transferred this XXXX XXXX from BinanceUS wallet to another XXXX  exchange XXXX, but forgot to specify MEMO field which would caused it to get deposited into XXXX 's general wallet rather my XXXX wallet. This transaction is visible on the public blockchain : https : XXXX XXXX support was very quick to help me recover it on their side. Basically, the only thing they can do securely is to simply send it back to the original blockchain wallet address, which belongs to BinanceUS. They did it on XXXX, and that transaction is also visible on the public blockchain : https : XXXX XXXX even put the original transaction ID in a memo field to prove to BinanceUS that the funds are mine. 

What this means is that my money is sitting back at BinanceUS, but in a general wallet instead of my personal wallet, now it's just up to BinanceUS to transfer my funds back into my personal wallet. It's a very simple thing to do. BinanceUS appears to have a very understaffed support team. There are a lot of complaints on XXXX and XXXX about this. 

Please contact BAM Trading Services ( BinanceUS ) on my behalf to hopefully push them to recover my funds, I'm getting desperate here.
Consumer complaint received 2024-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hi, I'm writing this statement to report a fraudulent activity that was made through one of my digital wallet cards. I've already contacted the merchant to request further information and received an official email confirming that the charges made on my account under this merchant 's name were used as fraud activity. 
However, after submitting the document to my bank agent, Chase Bank, the Chase investigation team denied my claim. The agent 's explanations were ; 1 ) Because the fraudulent activities were made through Digital Wallet ; XXXX XXXX, they couldn't identify whether someone made the transaction. Because, when the transaction is made through XXXX XXXX, the information that is sent to the bank is actually under my name, not the person who is actually using the card. This is one of the reasons why I contacted the merchant to get a verification or official statement stating that this is a fraudulent activity. 

I've already claimed to the Chase bank but having the same answer. 

There are two fraudulent activities were made with total amount of i ) {$160.00} / Merchant : Hotel at XXXX XXXX XXXX XXXX XXXX XXXX ) {$300.00} / Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information for the investigation. I'd happy to provide any requested documents.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (MD)

I saw on my experian report a dept from Vance & Huffman LLC on XX/XX/XXXX for the amount of {$12000.00}. I wrote to experian requesting for them to verify and send the instrument in how this dept was verified. All they would send back was that it was verified. I mailed a letter XX/XX/XXXX and XX/XX/XXXX. I wrote to the collection agency and they never sent back any documents verifying the debt XXXX and XX/XX/XXXX they ignored my request documentation and they failed to remove from my report. 

I also called and reported to experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they kept saying the dept was verified but never supplied the documents being my signature or showing i personal entered in to a contractual agreement with them. 

My house had a fire in XX/XX/XXXX and my famiiy was moved out of our home for 9 months with all of our personal items being boxed up by a third party company I added the fraud protection to my report after I had several things Pop up on my report that I never applied for or received money.
Consumer complaint received 2022-04-11
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  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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My FICO score dropped drastically for no apparent reason. My FICO scores changed as follows : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 102 points ), XX/XX/XXXX = XXXX. <P/>These FICO scores were obtained free-of-charge through my XXXX account. After some investigation, I found that the FICO score is based on the TransUnion credit score. I checked the TransUnion score on XXXX XXXX and, sure enough, it dropped during the same time period. XXXX XXXX reported the following for my TransUnion scores : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 61 points ), XX/XX/XXXX = XXXX. <P/>I ordered a copy of my TransUnion credit report and can find no reason for the sudden drop in XX/XX/XXXX. I called TranUnion for an explanation but the person that I spoke to ( XXXX ) simply repeated that I would have to go back to the company that reported the negative information. I stated that there IS NO negative information based on your own report. She repeated the same answer several times as we went back and forth with this. I finally asked to speak to a supervisor. After being on hold for approximately five minutes, she came back on the line only to say that all the supervisors are in a meeting and she ould have one call me back. She confirmed my contact information and we ended the call. I have not yet received a call back from a TransUnion supervisor. <P/>I want to know why TransUnion dropped my score so drastically ( subsequently affecting my FICO score ) when there is no derogatory information on my credit report. I worked very hard to get my score where it was and I 'm looking for an explanation. If it is based on some credit behavior of mine, it is most definitely not apparent what that behavior was since there has been NO derogatory behavior on my report in the last five years! <P/>I will provide my full TransUnion credit report ( dated XX/XX/XXXX ) upon request ; I 'm not comfortable submitting it through the web portal.