davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

XX/XX/18 ordered {$140.00} from XXXX  XXXX and returned {$140.00}. I used a discount code and was returned a gift card instead of returning the full amount to the card that I used to originally purchase the items. I contacted XXXX XX/XX/18 when noticing I owed {$30.00}. The company assured me the mishap would be cleared up. I called commenity bank and the company did not see the updated information. I called XXXX again and was assured the error would be corrected in 48hrs. I still have not had anything changed on my account and now am receiving notifications that my credit lines have been decreased for a delinquent account. I have contacted bother parts of the company and no longer know what to do to rectify the situation since neither ends seem to be matching up. I have never not paid any of my bills and have paid my card with XXXX off always within the 30 days.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

During coid 19 I missed a few payments on my load. ( XXXX ) XX/XX/2020 the cares act became law. And states if you were not delinquent before this became law then you qualify for protection. Protection from allowing credit bureaus and creditors to report late payments or damage your score I have file multiple disputes with orginal creditor and credit bureau and they choose not to follow the law and remove these. Missed payments after XX/XX/2020 to present need to be removed per cares act and heros act
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNCOAST CREDIT UNION (FL)

I paid off my mortgage with XXXX XXXX XXXX  on XX/XX/2021 and was advised that a satisfaction of mortgage would be submitted to the county of recording XXXX XXXX County FL ) within 60 days as required by state law ( based on my knowledge and review of Florida requirements of mortgagees ). 

I called XXXX XXXX XXXX  on or around XX/XX/2021 to request status of the document as it was nearing the 60 days requirement. I was advised they were backlogged and could not give an ETA on when the document would be submitted, but that it would be completed as soon as possible. As of XX/XX/2021 XXXX XXXX XXXX still has not filed the satisfaction with the county clerk.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted XXXX XXXX XXXX about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, XXXX informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: CoinZoom, Inc. (NJ)

On XX/XX/2022 I made a {$99.00} withdrawal transaction to my bank checking account from my COINZOOM account.The company instead made a {$99.00} deposit to my COINZOOM account from my bank checking account. 
Then on XX/XX/2022 I was charged {$100.00} for an ACH reversed fee when my bank was told of the situation and communicated with COINZOOM for them to correct the {$99.00} withdrawal, to a deposit instead to my bank checking account. 
I checked the rules and did not find this abusive {$100.00} exorbitant fee COINZOOM has charged me, as this is abuse of the customer. thanks for your help.
Consumer complaint received 2021-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a copy of credit report XX/XX/2021 from Transunion I have seen 2 phone number, one of them is not mine. Unknown phone number that I find in my credit report file is XXXX. I didnt give permission to someone else to get information or to do something else in my file under my name. Since couples months I have seen that someone is using my sensitive information to get my background check or to check my credit score. 
Also, from app XXXX  I got dark web alert that means someone used my sensitive information to check my credit scores and more. Please after your information may I know your decision about who is owner of XXXX. 
Thank you in advance!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX Account # XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX The Above-mentioned Accounts 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 a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

On XXXX XXXX, 2021 I received a form letter from Nordstrom stating that it had " blocked '' an account for " security. '' The day it issued the card, it says, {$800.00} was charged to the card, so it blocked it. The charges occurred at two stores fifty miles from my home. There is a Nordstrom store three miles from my home. I wrote a letter to Nordstrom, on XX/XX/XXXX, stating I have no credit card relationship with Nordstrom, never had. I received phone calls from Nordstrom, restated the fact that Nordstrom and I have no legal relationship whatever. I confirmed the statement a second time by letter dated XX/XX/2021. " Nordstrom '' refuses to go away, it keeps sending monthly statements, robo calls, and now states it has reported its claim to a credit agency. I wrote a third letter, dated XX/XX/XXXX, enclosing a copy of my driver license and a copy of the State Bar of California page showing I am licensed to practice law. I repeated that whoever and however Nordstrom issued a card, it did not issue it to me. I demanded all documents which show how it issued the card and what facts it possesses that supports its claim it issued the card to me. " Nordstrom '' has not responded in writing to the letters. I am XXXX, a male, and have never purchased anything in a Nordstrom store. How to make this block of stone stop harassing me? Suing it is not a solution for a XXXX year old man with severe congestive XXXX XXXX.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I have no knowledge of this debt. I wasn't mailed anything in regards to this debt. I tried to call and speak to someone for over an hour this morning. I was unable to speak to anyone. This debt appeared on my credit report this morning without any notice to dispute. Please delete ASAP.
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  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 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

XXXX, Im sending you this link to the Consumer financial protection bureau You need to submit a complaint and let them know that the balance of the mortgage has been paid off and you are entitled to the remainder of money that they owe you plus interest for holding it all this time. 

Tell them that PennyMac wont release the funds until you submit contractor bids but that you dont know what you are going to do with the house yet and the balance of the mortgage is paid off so it is not necessary and it is none of their business
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX ) 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 2021-05-15
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: Bread Financial Holdings, Inc. (FL)

On XX/XX/2021 I have been in pain for 4 days, I finally found a dentist who proposed me to help but the only way I must sign a contract for a credit. I received a treatment plan with 5 visits where it has been clearly defined how they will proceed. After my first, I called them and explained I could not afford the credit bill it was too expensive. They told, they cant reverse the transaction, upon I completely agree to pay the treatment. Next, I reached out to the lender to ask if they could help me with the issue, but they also refused to refund me. I have been charged unjustly for 5 visits, while I only get one. Please I need help with this issue! Thank you
Consumer complaint received 2023-01-12
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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask tha

t these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX  was added to my credit collections. It originally didnt state any in depth info regarding the account it took over. Ive never received notice of this debt. After further research I gathered it was a PayPal related account that they purchased. PayPal was listed on my credit a few years back and fell off before I could dispute it. This isnt my debt.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXBalance : {$0.00}
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Hello. I was the victim of ID Theft. Someone pretending to be from the bank contacted me about my account. The person then requested access to my account to verify my identity. I am XXXX years old, this is my first account and I did not know this was fraud. I provided this person with my account username, password, social security number, birthday to verify my account. The person then used that information to make unauthorized XXXX transactions from my account to other people that I do not know. Before this happened, I had NEVER used XXXX. There were 15 transactions made. I have contacted Chase Bank to help me recover some of my losses to no avail. These transactions were not authorized and done without my knowledge. These same people applied for a PPP loan in my name, committed XXXX XXXX fraud, applied for Unemployment Insurance in Indiana in my name, accessed my email, my XXXX XXXX, my phone, XXXX account, and my XXXX  account. I have filed a police report, reported my social security number stolen, got a new ID, I put a fraud alert on my credit reports, and filed an FTC Complaint. I don't know what else to do. I just want my money back. Please help. 
XX/XX/2021 {$5.00} XX/XX/2021 {$100.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$320.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$400.00} XX/XX/2021 {$1000.00} XX/XX/2021 {$500.00} XX/XX/2021 {$500.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00}
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

A virus popped on the computer on XX/XX/XXXX, we called the number and gave permission to the people to access the computer to fix it. We then realized that we might have been scammed and the following day called the bank and the credit card companies to let them know not to accept any charges. 100 {$400.00} charges to XXXX XXXX were placed on this credit card on XX/XX/XXXX. The other credit card companies and bank were very helpful but this Barcley 's Visa card didn't do anything. We sent a letter to the company on XX/XX/XXXX to explain in writing that the charges were not authorized by us. They have denied our fraud claims.
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 information incorrect
Company: EQUIFAX, INC. (CA)

Because of Corona 19 Pandemic, I have a hardship, I called my mortgage lender XXXX XXXX XXXX XXXX XXXX XXXX and I asked for help on XX/XX/ 2020. I was told that I will be in the forbearance program ( attached documents ), My credit report shows 13 months Mortgage payments late beginning XX/XX/2020. The bank has been pushing me to get my mortgage account current and I am doing my best. None of my family members or friends have late payments on credit report while they were in the forbearance plan. I am requesting that the bank correct the 13 mortgage payments late in my credit report.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have had multiple credit card accounts taken account in my name, rental lease agreements taken out in my name in 2015 in XXXX and XXXX in the city of XXXX, WA. I have had credit cards used in my name for purposes such as XXXX, XXXX, and multiple other companies using my credit card. The charges began in 2015 and have continued to date, even after opening a new checking account with XXXX XXXX XXXX XXXX. I have tried to fight the fraudulent charges but have not been successful and my social security number has been severely compromised. I believe it has been hacked through experian and someone has access to my credit cards and debit cards. I have been rejected from rental applications and jobs because of errors in my credit report.
Consumer complaint received 2022-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

XX/XX/2021 Medical Data Systems {$310.00} I do not even know this company I never received anything on this bill I have tried to get in touch with the credit bureau about this I have not heard anything. and why would they send my personal information to struggle and not to me I do not understand. for whatever reason my insurance never paid it should have been sent to me are noticed me of the charges. I feel like my rights has been it violated the bill was sent in to the credit bureau
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (MT)

I purchased an American Express Pre-paid gift card directly from the American Express website on XX/XX/XXXX. The card indicates on the front it is valid until XX/XX/XXXX. I've had the card in a draw since that time as with the pandemic I have not needed it. I attempted to activate and use the card today and it was denied. I called American Express XXXX XXXX twice and they told me they turned the money over to the Georgia Unclaimed property office. There is no reason they should have done that. I received no notification and the card says right on it that it is still valid until XX/XX/XXXX. The refuse to honor the card balance of {$200.00} and have now hung up on me 3 times.
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX is reporting inaccurate information on my XXXX  file. I have tried to contact both Credence as well as XXXX but have been unsuccessful in my endeavor. My name is XXXX XXXX NOT XXXX XXXX XXXX.
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: Experian Information Solutions 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 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I have a citi Visa card. It was through the XXXX membership promotion and part of the requirements is to sign up a credit card with Citi bank. I no longer owned the XXXX membership and my credit card was forced to be closed due to the promotion to XXXX membership. 
However, I havent paid off on my balance in the card and Citi bank doesnt allow my access to my account. I believe it is my right to have to access if I am still obligated to pay off the balance. 
They claim that they would start sending me a paper statement but if my account is close and I dont have an access to the account, how would I be able to receive a monthly statement. What if it get lost in the mail, whos reasonable for it if I miss a payment? I would not like to have a missed payment or not knowing how much Ive paid off and how much I still owed. If I am still responsible for the account, I should have the access to the account. 
Thanks, XXXX XXXX