davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-04
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ;
Consumer complaint received 2023-07-04
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX, CA XXXX XXXX XX/XX/2023 Dear XXXX, I am writing to dispute the account listed on my credit report with the account number XXXX. I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA : 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC Section 1666B of the FCRA states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I have not authorized the account in question to be listed on my credit report, and I have never been late on any payments. Therefore, I request that you immediately remove this account from my credit report. Please provide me with written confirmation that this account has been removed from my credit report. If you are unable to remove this account, please provide me with the name and address of the creditor so that I may contact them directly. 

Thank you for your prompt attention to this matter! 

Sincerely, XXXX XXXX XXXX References : Fair Credit Reporting Act ( FCRA )
Consumer complaint received 2015-07-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Solomon and Solomon, P.C. (CT)

I have been sent an email from my employer that I have a Writ of Garnishment on my wages. I printed out the information and it does not or have I ever been notified what credit card debt this is from. I thought I needed to be sued first before having my wages garnished. I did not receive a summons of the suit and therefore could not represent myself to defend this issue. The issuing court was the state of Connecticut XXXX court. XXXX ID : XXXX. The debt collector is Solomon and Solomon, PC XXXX XXXX XXXX XXXX XXXX XXXX.Phone number XXXX XXXX XXXX XXXX is the Marshall from the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number : XXXX. The only debt that was in collection was XXXX XXXX for {$5600.00} and that has been over 7 years which is the statue of limitation since XXXX of the credit reporting agency 's dropped it off my credit report thru XXXX XXXX. That debt started back in 2008. The amount they are garnishing from my paycheck is {$7500.00} Have not been contacted before this happened.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (PA)

I am writing to file a complaint against Checkr regarding their mishandling of my background check, which has resulted in significant financial loss for me. My name is XXXX XXXX, and I am a driver for XXXX. I have been unable to work for the past 5 weeks due to the suspension of my background check by Checkr, which has prevented me from driving for XXXX and earning income. The issue began on XX/XX/2024, I went online to start the background check, once I entered my SSN it said my SSN does NOT match their records. Despite providing accurate and consistent information, Checkr has been unable to verify my Social Security Number ( SSN ), which has caused my background check to remain in a suspended state. It's worth noting that I have been successfully driving for XXXX 3 years plus using the same SSN without any issues prior to this incident. As a result of Checkr 's failure to resolve this matter in a timely manner, I have suffered significant financial hardship. I typically earn approximately {$1100.00} per week driving for XXXX, and being unable to work has resulted in a loss of income totaling {$5500.00}.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/19 TransUnion LLC has made it very difficult for me and I would assume many other Americans to make timely purchases by not making available to us the feature on their website ( as promised to us when we signed up for the service ) to " unfreeze '' our credit files online. Without this feature available to consumers. Transunion   requires consumers to send in paperwork ( snail mail ) to their offices and it takes many weeks to get that process completed. By that time in the case of say of an unique antique or used car the item my be lost to another buyer. Time is often of the essence. This is effecting our credit. It is an unfair practice. The other two credit bureaus have no problem identifying me and unfreezing my credit  properly as promised. I expect the same from TransUnion.
Consumer complaint received 2019-10-18
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: Experian Information Solutions Inc. (GA)

In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from XXXX, Experian and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (FL)

On XX/XX/ 2023, I received a credit card in the mail from US Bank with a credit limit of {$25000.00}. It's a card that I never applied for and it was fraudulently opened. I immediately called US Bank and informed them of the issue and they took action to close and delete the card. They informed me that someone had tried to transfer credit card balances of over {$11000.00} to the fraudulent card. The party that opened the card had my correct personal information down to the car that I drive.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

I have a XXXX XXXX XXXX XXXX XXXX XXXX When I signed up for it the fee was stated to be {$450.00}. 

With no notice, the fee has been raised about 30 % to {$590.00}. They also added on a {$170.00} authorized user fee. 

They absolutely did NOT send a notice ( 45 days ahead or otherwise ) of either of these fees before charging me. 

Also, when I went to add an authorized user there was NO notice of there being an additional fee. I went back to check and I see that the interface has now changed and there is a more prominent fee notice in the interface.
Consumer complaint received 2021-11-16
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)

DEROGATORY REPORTING ON CREDIT OF XXXX XXXX, SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT RE : PETAL account # XXXX open date XXXX it appears that derogatory and defamatory information was ledgered to a XXXX XXXX XXXX by XXXX, which has resulted in my being damaged, as such action causes the by way of denial of credit due to the inaccurate information. 

I am challenging the incorrect information with XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account that is not my and the balance is false. The one monthly payment of an account that is completely false, incorrect. The account is false, the date and the amount. I am a victim of identity theft. XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX decided to ignore my demands for Validation. Validation of the debt XX/XX/2021. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the XXXX unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account be verified or removed immediately. 

- XXXX account # XXXX open date XXXX Provide Physical Proof of Verification : Unverified Account CC : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX By : XXXX XXXX XXXX XXXX Party Creditor, Authorized Representative, Attorney-In-Fact in behalf of XXXX XXXX, XXXX XXXX. 
All Rights Reserved XXXX XXXX / XXXX
Consumer complaint received 2021-07-21
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. (NJ)

XXXX is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. XXXX is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider.

PLEASE STOP REPORTING
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (SC)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

CapitalOne would not make any additional attempt if the statement email notification did not get sent. This happened to my business and personal accounts. CapitalOne would just let the account become overdue so they can charge late fees. One would think if the email notification gets returned or undeliverables they at least try to mail a statement or may be a phone call.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I contacted PayPal to submit a complaint about a particular seller. After over 90 minutes of back and forth, PayPal refused to officially chronicle any form of complaint. First, they said the seller had done nothing wrong so they would not note a complaint about the seller. I then accepted this was their policy. However, then I asked to submit a complaint regarding the fact that they refuse to even accept any complaints regarding a seller 's particular transaction practices. This is where the second and most important issue is : they refused to even chronicle a complaint about their own ( PayPal 's ) consumer practices. Even though I was talking to a PayPal agent, they refused to take this feedback or complaint and directed to me to the " feedback '' section of their site which I could not find after searching around their own site for about 20 minutes. Even searching the keyword " feedback '' on their help page did not pull anything up. 

I am submitting this complaint because a financial institution making it extremely difficult, if not impossible, to register complaints is essentially committing an unethical practice since it will be unable to produce any consumer records in the event of a governmental audit. I suspect this is probably why they make submitting complaints about the institution itself so difficult.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX acct # XXXX, XXXX acct # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Consumer complaint received 2021-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (NE)

I contacted money lion on XX/XX/XXXX about a transaction that was not me. I submitted my written statement. Its been 14days and they told me that they just received my notice XX/XX/21. There XXXX full of XXXX
Consumer complaint received 2019-08-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

SP Servicing received a notice from the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX that they would like to do a deed in Lieu of Foreclosure on a property located at XXXX XXXX XXXX XXXX XXXX AZ XXXX. 
Sp Servicing did not want to accept the property and Requested that the Sellers attempt a Short Sale on the property and received their independent BPO on the property. 
On XX/XX/XXXX the home was listed thru XXXX XXXX XXXX XXXX as a Short Sale in the XXXX XXXX AZ and an offer was tendered and accepted on XXXX. 
The offer was submitted to SP Servicing together with other offers and 3 days later SP Servicing rejected the offers & requested the listing be placed for another 7 days to procure other offers. 
12 days later SP Servicing received all of the offers and then requested an addition 7 days for the property to be active in the XXXX. After this 7 day period with all offers in hand SP Servicing rejected the postponement of the Foreclosure due to less than 30 days left before foreclosure date.ThXXXX Investor has their Broker Priced Opinion and the offers tendered were above the asking price and the BPO pricing. SP Servicing manipulated purposely the events that cause this property to be foreclosed and their unfair practices should be scrutinized.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (GA)

On XX/XX/2021 was contacted by The company Current XXXX  in regards to unauthorized access to my current card account. Current advised me that someone was attempting to login in to my account from XXXX, Florida. Due to the fact that I have had no recent transaction nor transfer activity in the state of Florida. Current, wanted to alert me of the attempt. They advised me that the attempted had been blocked and my account was secure. 
On XX/XX/2021 upon receiving transaction notifications from Current. I saw where my direct deposit in the amount of {$410.00} posted to my account and was immediately transferred to an unknown account. I immediately reached out to Current support who initially stated that a dispute had been submitted for my case. On XX/XX/2021 I reached out to Current support for an update regarding my case.Considering, I had never received a confirmation email from the dispute department. Nor, any correspondence regarding the fraud that had taken place on my account I was advised that there was nothing they could do to further assist me. I would have to await for correspondence from the dispute department or pursue the investigation myself. As of today XX/XX/XXXX, I have still not received any updates nor assistance from current. In addition, I have just been made aware of another attempted withdrawal in the amount of {$260.00} at a XXXX XXXX in Minnesota. The transaction was only declined due to insufficient funds. It concerns me that Current has not put fraud preventive steps in place to protect my account after having already been notified of recent fraudulent activity. This is obvious fraud and they are unwilling to assist me an attempt to get my funds back.