davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX SYNCB/XXXX ( Bank ) XX/XX/XXXX 2022
Consumer complaint received 2021-07-11
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. (NC)

I called Transunion explained that someone has stolen my identity and have been applying for all kinds of stuff. They added a fraud alert but did not remove the Fradugelent information that I told them about. I have attached the identity theft report with the things listed that should be removed.
Consumer complaint received 2022-07-26
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. (PA)

I reached out to the credit bureau 's ( XXXX, TransUnion, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.
Consumer complaint received 2018-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2018 {$300.00} was sent from our Wells Fargo account through XXXX to a person supposedly named XXXX XXXX, whose email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my wife XXXX XXXX. That transfer occurred about XXXX XXXX   MST. The money was in exchange for 2 XXXX football tickets for XXXX XXXX & XXXX XXXX. The tickets were promised to be sent to my XXXX Account, but never were. 
My wife spoke with Wells Fargo and they said nothing could be done. They did not offer to identify the bank connected to the XXXX XXXX email. 
The tickets were advertised on XXXX XXXX. 
I spoke with customer service at XXXX to no avail ; they said it was Wells Fargos issue and would not identify the bank that was connected to the XXXX XXXX email in their system. I also informed XXXX of the fraudulent advertising. 
Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse us for this complaint. Thank you XXXX XXXX
Consumer complaint received 2022-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

I provide legal services. A payment was sent to me via Paypal and I received notification via my Paypal account that payment had been received by Paypal. I took the necessary steps to confirm the payment and created the invoice for the services on the Paypal site. I then received notification from Paypal that the funds were on hold and would be on hold until XX/XX/2023. It was my understanding that creating the invoice and confirming the payment would result in release of the payment. I spoke to my client who also called Paypal and confirmed the payment. He gave me the number for customer service where he had just spoken to someone. I called this number and the customer service representative told me that the funds were on hold and would remain that way. I am not aware of any prior communication from Paypal that gave me notice that payments would be placed on hold. I note that Paypal immediately deducted their fee. There is no basis for placement of money on hold which is received by Paypal. I would like for an investigation to be conducted of this business practice of holding funds. It is my understanding that this entity is in the practice of funds transfer and should undertake this process without a hold on funds in their possession. If the practice of Paypal is to hold funds this information should be conveyed to Paypal users.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.
Consumer complaint received 2018-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

**THIS IS NOT A DUPLICATE COMPLAINT** This is a SECOND ATTEMPT because this company has failed Federal Trade Commissions guidelines of what constitutes proper debt validation** I have previously sent two requests to validate this alleged debt on XX/XX/2018 and XX/XX/2018 under the Fair Debt Collection Act and all I received was a two statements of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I have contacted XXXX XXXX XXXX XXXX and they do not have any record on file. They are still reporting this alleged collection on my credit report, which is considered a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. THEY HAVE ALSO FAILED to provide me the following and I demand the following immediately based on my rights under FCPDA. What the money THEY say I owe is for : Explain and show me how theycalculated what they say I owe them : Provide me with copies of any papers that show I agreed to pay them what they say I owe : Provide a verification or copy of any judgment if applicable : Show me they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if they do not immediately remove this account from my credit report, they are subject to another {$1000.00} fine, plus punitive damages. I am sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from this company within 15 days followed with additional complaints to the XXXX and the Attorney General of Texas.
Consumer complaint received 2023-03-26
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. (KY)

The credit bureaus keep disrespecting the law.I showed them multiples times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts tht are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus DONT HAVE WRITTEN PERMISSION from me According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation errors A person shall not furnish information relating to a consumer to ANY consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specified information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on ... ..... 

The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

1. Quicken Loans began to prevent me from making payments when the payments due exceeded the amount due on the remaining mortgage balance 2. When I asked them for payoff quotes, they provided them 24 hours later, expiring on the day of receiving them 3. Now, they've committed fraud by reporting me to the credit bureaus for missing a payment that they would not allow me to pay
Consumer complaint received 2021-06-26
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)

Pursuant to 15 USC 1681 a ( 4 ), you are required by federal law there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Its the consumer right to privacy and bankruptcy should not be listed on my credit report as this is a private matter.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX  XXXX XXXX
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This company has more than one account that they are saying is mine. It's original creditor is a XXXX  and I am on a XXXX XXXX XXXX. I don't even think that I was there for all of the alleged claims!
Consumer complaint received 2018-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

Alleged Loan Scam - Loan is VA 100 % property tax exempt but the originator, XXXX XXXX XXXX and the XXXX XXXX XXXX, BOKF/XXXX XXXX XXXX have abused this exemption by escrowing approximately {$6700.00} of my property tax funds. I have never missed a payment yet, XXXX has threatened foreclosure on my loan. I have been trying for over three ( 3 ) years since my closing, XX/XX/2015, to work with them but to no avail. See my attachment to this complaint supporting these accusations. Also, refer to my previous complaint submission ( s ) as follows : Case numbers XXXX and XXXX, which were never satisfactorily solved.
Consumer complaint received 2018-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Amount {$670.00} XXXX XXXX debt ( XXXX ) is trying to have me pay the amount not owed by me. 

I returned the XXXX XXXX XXXX after lease expiry in XX/XX/XXXX to XXXX XXXX, CA and took a new lease from same dealer XXXX XXXX and got a new XXXX XXXX and the excess miles etc was settleed during this and into my monthly payments for this car. XXXX XXXX confirmed this and the XXXX is denying this and threatening me to pay this amount again. 

Please investigate as i already paid this to XXXX XXXX and was settled in XXXX XXXX.
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (CT)

XXXX XXXX XXXX claims I owe {$3400.00} to Truist Bank which I believe to be Suntrust Bank, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with Suntrust closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX XXXX has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. XXXX XXXX XXXX is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NH)

Payment plan set up with consumer in XXXX. 
Payments automatically withdrawn from my bank account for agreed amount. 
Each month the company was reporting my account as delinquent on my credit report. 
When I asked for it to be removed they said no l, that I agreed to a payment plan but the account was delinquent still which defeats the purpose of a payment plan. When I asked for a copy of our conversation of me agreeing to a payment plan which still held my account delinquent ( which no one would agree to ) they refused to send the transcript of the recorded conversation. 
When asked to speak to a supervisor I was told that was not possible and thats they do not have any way to remove anything that went on a credit report. Even though I was making payments and the account was still being flagged as delinquent but they never called, emailed, sent a letter, nothing to tell me the account even with a payment is still delinquent. I dont know how and account is delinquent if a payment is being made.
Consumer complaint received 2018-11-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MI)

Had lease with XXXX XXXX and was one payment behind. Car repossessed with substantial amout of personal belongings left in vehicle. XXXX advised me numerous times, the repo company had not reported it repossessed. I tracked vehicle via XXXX  being driven around XXXX XXXX area. After almost one year, XXXX has not sent one notice regarding repossession, intent to resale, balance owed or inventory of personal belongings. When I call the repossession number I am always asked for contact info for supervisor to return my call however, I have heard from no one.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

I am attempting to extend the temporary lift on my credit freeze ( set to expire XX/XX/XXXX ) so I can close on a house ( XX/XX/XXXX ). 

I have been attempting to lift a credit freeze today ( XX/XX/XXXX ) through the experian website. They do not recognize my address as a valid format, and/or they simply don't have the information they need to process the data. 

The message on their website states " you would like further assistance in removing your Freeze, please contact us at XXXX. '' First of all, that is not a real phone number. Second, calling that number lands me in a recorded message loop wherein no option gets me to a representative, nor does any option allow for a credit lift of any kind. I also attempted to call the numbers on their " contact us '' link and their " customer support. '' When each of those numbers redirected me to the same robot-maze, I XXXX " how to speak to a human at experian '' and tried two additional numbers. Each number bounced me to the same menu. 

I have selected literally every option on the menu. I have not been able to speak to a person, I have not been able to lift a freeze ( or even try to do so ), I have not found anything that can help me. It has hung up on me twice and twice told me to mail a large amount of information to an address " to place a credit freeze '' -- not what I am attempting to do. 

I have a XXXX XXXX in XXXX XXXX. If I can't get this information, how on earth can a less-educated individual? I have managed to lift my freeze at both other agencies relatively simply. I do not like that Experian has control over all of my data and I have no way to contact them about issues. 

I have also filed a complaint with the XXXX.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either