davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX XXXX XXXX
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In XX/XX/2022, I discovered that there was some inquires that I did not authorize. I contacted all 3 credit bureaus to dispute and place a freeze on my account. Transunion did not place freeze on my account, after being informed by phone and mail that I experienced identity theft. I also attached a copy of my FTC complaint that I filed. People are still attempting to run my credit, someone was even able to run my credit fr numerous loans and credit card. I just checked my transunion account and there is no freeze in place. I had to create an account, which I did. After filling out the info and submitted and a note popped up that stated unable to complete request.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681
Consumer complaint received 2022-05-06
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: SYNCHRONY FINANCIAL (NY)

In XXXX of 2019 I came down with the most severe illness I have ever had. I later found out it was covid. I was bed ridden sick for over two weeks. I was not paid during this time and therefore behind on my financials. I made payment arrangements with all creditors. When speaking with PayPal- the agent accepted my offer that I could only make {$20.00} payments until I catch up and in a couple months I could pay back on track. I kept my agreement and paid. Prior to this ordeal I had 100 % on time immaculate payment history not only with PayPal but with all my accounts. Quite some time later- I find out PayPal reported that I missed two payments. This has been hurting my score and perfect payment history. Its showing negative remarks. I disputed with the credit bureaus. PayPal claimed no inaccuracies. So I called PayPal. PayPal looked into it and apologized for the error. They investigated my history and saw where that call took place and that I in fact did establish the payment plan and paid. I have now been fighting this for two years. My credit is hurting severely over just this one issue. Please help me, as I feel cornered by this error!
Consumer complaint received 2017-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

I mailed a check for {$7200.00} and my Bank   XXXX   XXXX    mailed a copy of the check to Bank of America for payment of balance due on my checking account. My payment has n't been credited to my closed checking account with Bank of America.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CT)

I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX listed, never lived in a XXXX XXXX XXXX my current address isXXXX XXXX XXXX, Ct XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (NY)

I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXXXXXX XXXX XXXX XXXX XXXX XXXX One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from this account. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. Within 6 hours of calling, I was told they would dispute or look into the fraud because I never had access to the card, which I did and never told them that. I had told them I did and I had personal info etc hacked and that was fraudulently taking from my account. Net spend treated treated me poorly annd displayed no care or concern to follow government regulations regarding consumer rights and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, Being a victim of identity theft made me feel worse after the way netspend handled it and treated a customer, who is a fraud victim because of theyre negligence.I am filing a complaint because netspend is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.
Consumer complaint received 2024-03-02
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. (NV)

XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/2024 2024
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (FL)

I hired XXXX XXXX to recover two accounts for me. However I called / emailed them prior to them starting the collection process to cancel one of the accounts because I personally had collected the funds. Through numbers emails and phone calls with my " sales manager '' I told them to stop collecting. They failed to do so as the customer called me stating they were still calling him even after he personally told them he had paid me directly. I received an invoice from XXXX which detailed them taking 50 % of the correct account and 50 % from the 2nd account and per their invoice it states that they should be paying me {$180.00} for the collection of account # 1. I have received numerous calls each day and finally asked them to direct all communication through my attorney and provided his name. Today I receive and email stating : I can assure you that we will not cease our efforts to recover the fees due to our office. We will be relentless in our pursuit of this balance. 
Make your payment now to avoid the additional expenses of litigation and derogatory credit reporting. 
They are a deceitful company and owe me money but instead they would rather try to collect a fraudulent invoices.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Please refer to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX and Complaint Number XXXX for reference to the previously reported data spill, identity theft, and fraud leading to the sabotage of my credit report. There was an attempt to rewrite history as the timing of these emails, encounters and correspondence appear to refer to previously reported incidents from the years XXXX - XXXX. On XX/XX/XXXX XXXX XXXX  I received an email from XXXX  ( XXXX ) with the subject line : " Your Rental Application to [ RESIDENCE REDACTED ] ( ReferenceID : XXXX ). '' The XXXX email stated, " Enclosed please find the FCRA ( Fair Credit Reporting Act | Federal Trade Commission ) Adverse Action Letter that pertains to your recent rental application. Thank you. XXXX Consumer Relations. '' The XXXX  email attachment continues to state, " Although we are solely responsible for our rental decision, it was based in whole or in part on information contained in a tenant screening report provided to us by : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ... You also have the right to : * Obtain a free copy of your tenant screening report from XXXX  by contacting them directly within 60 days of receipt of this notice. * Contact XXXX directly to initiate a dispute of any information in your tenant screening report you believe is inaccurate or incomplete. * Obtain a free copy of your credit report directly from Experian, which provided it to XXXX... You may also have additional rights under the credit reporting or consumer protection laws in your state. For more information, please contact your state or local consumer protection agency or state attorney generals office. '' The XXXX email ( as well as other emails received ) yield a level of well-timed denial of fundamental consumer rights with the expectation that consumers are responsible for correcting, protecting, and preventing errors and breaches that occurred at the company. To date, my credit, finances, and records remain severely damaged from the repeated unauthorized inquiries, unauthorized access, identity theft, and fraud stemming from a failure to safeguard information. CFPB Complaint Number XXXX provides evidence of several other companies that also accessed my credit report without my knowledge or consent. This factually incorrect email, attachment, and contents from XXXX confirms there was a severe breach involving my credit report.
Consumer complaint received 2022-05-06
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. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 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 an account without my written instructions
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently went on XXXX and began filling out their online application to get a quote on how much I would be able to receive as a loan with the first time homeowners program. I did NOT submit any of my information and after randomly checking my credit score XXXX, I noticed that my credit score has DECREASED about XXXX points. I looked to see what caused this drastic change and saw that it was based on XXXX banks pulling hard inquiries on my credit without my consent or knowledge. I would like to file a complaint with Transunion and to reverse this action and return my score to its original score if possible. Thank you so much.
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hello! 

There was a fraud on my debit card 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$700.00} each time, which equals up to {$2100.00} in money that was stolen from me and that I haven't received back. I made a claim with my bank ( Wells Fargo ) and they denied it. They stated and sent documentation on why they denied me and they stated : The transactions were made using your card and Personal Identification Number ( PIN ), we found to was made by you or someone who had your permission, please consider your claim closed '' I have never lost my card, never my phone, never given anyone any bank information, so I don't understand how that's possible. I've just filed a police report as well in order to prove that I'm the real victim who's a XXXX XXXX  and desperately need my money back.
Consumer complaint received 2019-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

Hello, I recently was a victim of a chargeback fraud and have received little help from Paypal so far. I have asked multiple times for managers to review my case with no success. I only receive generic responses that are continuously copy and pasted back. I would like someone to review the case. 

I was sent money through friends and family option on Paypal on XX/XX/2018. There were initially 12 transactions total. There were never any goods or services provided. The other person initiated cases within Paypal stating the initial 12 cases were unauthorized. I provided evidence that they were indeed authorized and they meant to send the money with screenshots matching up with the transactions. Paypal ruled in my favor in all of the cases. Roughly 2 weeks later the user repoened the cases again, but with their bank and again stated they were unauthorized. Their bank ultimately came back and ruled in their favor without asking for evidence from myself or even contacting me. 

There were 7 total transactions that were funded with their bank and were allowed to use chargeback on within Paypal. There was evidence submitted to Paypal when they initially ended the cases in my favor showing proof the other person sent the odd and often similar amounts on purpose. They were not accidental. 

Paypal charged my account {$20.00} per chargeback ( 7 total for {$140.00} combined ) and also charged me when the second set of cases were opened a sales fee which they charge for goods transactions. I have repeatedly asked for answers from their support team with no success. They only charge a fee for goods sold transactions which we did not use. These were simply a transfer of money through their friends and family option. 


So in a quick review, I was sent money through Paypal friends and family option with no fees included since there were no goods or services provided. Paypal ended all cases in my favor after receiving the evidence I provided. The other person reopened the cases with their bank and Paypal charged me {$20.00} per chargeback and also added a transaction fee of their own as if goods or services were provided in the transaction. I was the victim of chargeback fraud and even though Paypal sided in my favor on all of the 12 initial cases, they charged me with fees totaling over {$140.00}, took away all the money from those transactions and also will not allow me to take out money from legitimate sales on XXXX where I paid my seller fees accordingly. They are allowing fraud to happen on their site and then charging the people taken advantage of the fees involved. 

Thank you for your time and help, XXXX
Consumer complaint received 2023-03-15
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. (VA)

On XX/XX/2023 via certified mail tracking Transunion is in receipt of a package i sent to include : proof of my identity, proof of my address, FTC Identity theft report no. XXXX, the alleged account details, credit report dated XXXX with fraudulent account listed, credit report dated XXXX with the fraudulent account listed, a written statement that someone stole my identity, and to immediately remove the alleged account that is fraudulent and causing me personal harm. 

On XX/XX/2023 by phone call I followed up because the alleged account is still showing on my credit report. Per 15 USC 1681c-2 Transunion is legally required to remove alleged identity theft accounts within 4 days after receiving written notification by the consumer. I called multiple times which includes more than one occasion I was disconnected while being transferred to a supervisor or also more than one occasion the agent went silent and then disconnected the line. The agents i spoke with are XXXX, XXXX, supervisor XXXX, XXXX, XXXX XXXX, supervisor XXXXXXXX XXXX., XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, supervisor to a supervisor XXXX XXXX. 

Supervisor capacity agent XXXX XXXX says Transunion has the authority to decline or rescind any block and this is also fraudulent activity by Transunion and per 15 USC 1681b-2 Permissible purposes of consumer reports I have *not* given Transunion or any consumer reporting agency written permission to furnish my private information. 

My rights as a consumer are being violated and I request that Transunion comply and remove the alleged account.
Consumer complaint received 2022-05-06
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. (LA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX, has violated my rights. 

XXXX {$2000.00} Date opened XX/XX/2019 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 an account without my written instructions
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX XXXX I run a small XXXX XXXX and unfortunately Covid hit my XXXX hard and 90 % of my clients went on hold ( clients choice ) due to the virus and fear! Do to this I was on XXXX and I had to apply for the PPP loans. I never expected when I started my XXXX for any of this to happen and prior to covid my account was in good standing! I have been charged thousands of dollars in fees! THOUSANDS! Yes they waved some ( {$2200.00} last I counted ) in fees since covid hit hard, but then again Ive paid over {$12000.00} in fees to This date XX/XX/2021. Ive explained my experience and Ive asked for help and I keep getting told they can no longer help me. I am aware I got a lot of help during the pandemic because times were hard, but Im also aware that $ XXXX in fees is absolutely ridiculous! I keep trying to get into the positive and keep it there and they keep applying fees. Each fee puts me further and further behind!! Im a single mom, a small Buisness owner and this past almost 2 years has been hard and I need some Help here! Ive given them over $ XXXX in hard earned money just because I went negative or I had NSF a few times. Im doing my best to catch up, and I cant catch up if they keep adding fees and continuing to put me further behind.
Consumer complaint received 2019-08-29
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. (KY)

Mr. XXXX XXXX XXXX has reported to my account 30days past due I have made payments to my account twice in one month, my account was garnished from student loans that put me behind however when I did pay they would take my checks if my check did not go through they would hold the check and fraudulently forage my account and keep resending it to my bank with out my permission every week until they get there money, also if Im past 30days they post huge envelopes on my door and take pictures of my home, like theyve already sold it, I called to talk with XXXX team they where rude the lady wouldnt give me her name and direct line to contact she also made a state ment ( we are very familiar with cfpb and we are not doing a recommendation to fix ur credit score ) I asked her why wasnt it on my credit score for last month that I was late she said because they report the end of each month but I told her I shouldve gotten it by the XX/XX/XXXX she couldnt answer that it says I went from 60days to 30days which is a ly I should b current I owe  XXXX from XX/XX/2019 current and my account is still reporting negative 30days! Its harassment and fraudulent activity going on with this company and it needs to stop! I want a new mortgage lender I should not have to put up with this company I am paying my hard earned money and I am not satisfied at all with the services
Consumer complaint received 2022-05-06
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.