davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Property inspection fees. unverified Did not request any inspectors or met any inspectors in relation with this group Recent statement has 7 inspection fees {$14.00}. each, total {$98.00} for month of XX/XX/2019 prior issue with this mortgage service provider for {$160.00} of same issue. 
attached photos of account concern.
Consumer complaint received 2019-04-26
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 (TN)

I have two accounts with Capital one XXXX The other account is XXXX These accounts are old and I would like to have them removed. I would like them removed from my credit reports ( all reporting bureaus ).
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (FL)

I sold an item through XXXX XXXX global shipping program. Shortly after it was shipped and tracking was provided - the buyer opened a paypal dispute because she changed her mind. The disputed stated item was not received. This dispute was a violation of ebay policy as well as abuse of the paypal dispute process. The item was delivered and XXXX  is still holding funds because a dispute is open. The buyer is the only person with the power to move forward and is refusing all routes that would effectively close this and release funds. I've contacted the XXXX XXXX police department and advised this is either fraud or XXXX XXXX. XXXX is unable to act due to a dispute and the transaction has been linked back to XXXX XXXX - through a Paypal Mastercard. I've advised the bank on XXXX yet they are unwilling to provide any information or acknowledge possible abuse of their credit tool. Please step in and regulate the bank accordingly as there is evidence of ill behavior related to an international transaction that traces back to this bank. I've read this complaint on a recorded line to XXXX on XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Customer Service Senior Manager ) XXXX
Consumer complaint received 2024-03-04
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)

TransUnion has continued to display known fraudulent accounts on my credit report. I have uploaded the FTC Identity Theft reports to the complaints, but TransUnion still allows these accounts to be reported on my credit profile. Please remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX from my credit report, as these accounts are fraudulent. The FTC Identity Theft reports and other supporting information will attached to this complaint. TransUnion, take this matter seriously, as you are harming my livelihood.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Purchased an Xbox financed by Citizens One in XXXX XXXX. Returned the XXXX after a couple of days. Loan was supposedly closed out. XX/XX/XXXX I received an alert that one of my credit accounts was in derogatory status. Per credit report, account was never closed. Called Citizens One, they claim they told the credit agencies to remove derogatory remark ( because they claim they didnt even know why it was there ). Now all of my credit scores and reports have taken a huge hit over the derogatory account status. Not my fault.
Consumer complaint received 2022-12-30
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-18
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. (PA)

RE : XXXX I am in receipt of a letter dated XX/XX/2023 from XXXX in response to my demand requesting removal of accounting details, transactions and experiences be removed from my consumer reports as well as remarks and comments that are injuring me as a consumer. Pursuant to Federal Law, ( 15 USC 1681 ( a ) ) and experiences are to be excluded from consumer reports and more importantly, proper disclosures are to be provided in a clear and conspicuous manner affording the Consumer opportunity to opt out of said consumer reporting all together. XXXX has not provided me any annual disclosures or opportunities to opt out of reporting or furnishing this information to any of the consumer reporting agencies. I am demanding XXXX provide me with proof they have provided me with any disclosures regarding my consumer right to opt out of their Customer Agreement. I was never given any clear and conspicuous instruction as to how I could exercise that non disclosure option in the first place. XXXX has assumed they have my expressed or implied permission to do so. That is not the case. Corporate policy does not supersede law. Failure to provide me with the proper disclosures is a violation of law and Consent is what makes the law. XXXX does not have my consent to report this information, nor have they provided any proof of authority to do so. A contract founded on a base and unlawful consideration is null. Every consent involves a submission, but a mere submission does not necessarily involve consent. I am in receipt of copies of the loan modification documents containing account information, however, it does not even contain the original source of funds being loaned out. It also does not provide any disclosure or reflect accurate information you are currently reporting to the credit agencies : Equifax, XXXX and XXXX. If XXXX can not provide this, then the debt can not be validated and you are legally and lawfully required to delete the account from my consumer report. Also, provide the contract and signed disclosure where I agreed for my nonpublic, personal information and/or transactions to be furnished on my consumer report. I am again asking for documentation where you provided me the option to Opt-out from such reporting. I have already asked for this information to be removed from my consumer reports ; as it is false and being reported without my consent. XXXX states : " they are reporting the loan correctly '' as evidenced on the first page of your response dated XXXX, XXXX, XXXX. Assumptions are not facts. Pursuant to : 15 USC 6801 ( B ) 3, 15 USC 6802, 15 USC 6803, 17 CFR 248.124, 17 CFR248.6 ( a ) 6, 17 CFR subsection 248.7 you are violating my consumer rights and breaking federal law.
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC Product : Credit Card Balance Owed : {$1200.00} Pay Your Balance Original Debt Amount : {$1200.00} This company keeps sending me emails and letters saying I owe them money I have never had and currently dont have any cards or business with XXXX send a letter as week trying to collect money I dont owe and are stating it was over 10+years ago
Consumer complaint received 2023-07-26
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. (FL)

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2020-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

I was the victim of fraud that caused a delinquent account to appear on my credit report. I corrected the issue and the fraud has been removed from my credit report. 

However, this fraud is continuing to affect my credit score, because Chase decreased all of my credit lines. For example, I had a credit line of over {$30000.00} and it has been decreased to {$5000.00}. 

This is as a result of the fraud, and I need to have that credit decrease decision that was made solely due to fraud reversed. I have never had a late payment or a delinquent account, and I have been a customer for about a decade. 

However, they have no mechanism in place to reverse their decision although they are fully aware of the fraud This is creating a feedback loop, because my high credit utilization is decreasing my credit score. But when I ask to have my credit limits re-instated so that my utilization returns to normal I am told that they refuse to do so because my utilization is too high. But it is their decision, based on fraud -- and they KNOW it to be fraud -- that has made my utilization appear so high. 

It was previously about 3 % across ALL of my credit lines. Now it is over 70 %.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 XXXX
Consumer complaint received 2020-06-07
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: Experian Information Solutions Inc. (PA)

on XXXX XXXX I file dispute to against Experian to investigate incorrect information that was reported to my credit report. Experian has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 8 wrong addresses and a wrong employer. I requested an investigation for these items and I sent a demand to reply letter on XXXX XXXX I never received a response or update regarding the investigation.
Consumer complaint received 2024-04-30
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. (FL)

I recently reviewed a copy of my credit report and these hard Inquiries are fraudulent queries in my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

I sent a message through the Webster Bank XXXX asking what I needed to do to close an account. They said just to transfer the money until it is XXXX and then send a message like I had to close it. I sent a message on XX/XX/XXXX to close the account as the balance was XXXX and the bank didnt do it. There was a recurring charge from an account that XXXX cant close and the bank paid it on XX/XX/XXXX and charged me an overdraft fee. I called them because this shouldnt have happened and they said to pay it and then call back. I requested a transfer from their own website that same day that I called which was XX/XX/XXXX to cover the charges. Then there was ANOTHER overdraft fee on XX/XX/XXXX. Again I called them because this account shouldve been closed and the money was already transferred. They told me they didnt see it and therefore, cant close my account. I again sent another transfer for {$35.00} to cover that second overdraft fee and today I called, asked the representative if she saw that my account was at XXXX and she said yes. So I asked her to close my account and she said I had to go to the center. I told her I live in Virginia and there is no banking center near here, only in New York and previous reps told me I could message or call. Then she said that my balance wasnt XXXX and that I still owed the {$35.00}. I asked to speak to the XXXX by the name of XXXX, who I had already spoken to on the XXXX and she refused. I cant close this account and they keep telling me different things and keep charging me for things when this account shouldve been closed already.
Consumer complaint received 2024-03-04
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. (MI)

IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES XXXX XXXXXXXX ACTT # XXXX -BALANCE {$4800.00} IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX # XXXX BALANCE {$750.00} IS AFRAUDULENT ACCOUNT, XXXX. XXXX XXXX ACCT # XXXX BLANCE {$180.00} IS A FRAUDULENT ACCOUNT, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Consumer complaint received 2023-07-06
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC (TX)

Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. 

With that in mind, I would like to propose to settle this debt for {$210.00}.
Consumer complaint received 2020-12-17
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. (TX)

I HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT EQUIFAX BURUEAU TO DELETE ASAP.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (FL)

My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and XXXX who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21.00}XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}XXXX XXXX XXXXXXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$320.00}.
Consumer complaint received 2023-04-03
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. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXXAll above referenced accounts have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-07
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. (NJ)

All last year I have disputed incorrect information placed on my Experian and XXXX  credit report. XXXX XXXX has placed themselves on my report as me owing a debt to XXXX in the amount of {$1200.00} and stating that the account was opened in XX/XX/XXXX. Experian refuses to provide me with proof of debt validation and refuses to reinvestigate this false information. I have attached proof that my cell phone provider is not XXXX but is XXXX/XXXX whom I have been with since XX/XX/XXXX.