davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
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: Global Lending Services LLC (NY)

On XX/XX/2021 XXXX and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX  a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the fair credit reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-21
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. (PA)

I XXXX XXXX consumer, natural person, living person is giving written instructions to Experian to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CO)

My loan was transferred to PNC Bank ( without my knowledge ) on XX/XX/2021. They did not inform me of this until XX/XX/2021. That being said, I contacted my previous mortgage company to get their information and made my XXXX payment ( which was accepted and applied to my mortgage ) in XXXX and ON TIME. I received a collections call on XX/XX/2021 for my XXXX payment. I called the bank as the recorded line instructed me to do. I asked the representative that answered ( XXXX XXXX why I was being called and she said I was getting called by their collections department. I informed her that my payment was not late and after talking to two representatives who both informed me that I was late ( XXXX and XXXX XXXX in making my payment that I was getting called by their collections department ( on my work phone without my consent ), and that I would be assessed a late fee. When I explained to them that what they were doing was against the rules as set by the CFPB they still tried to tell me that I was late, but would not get a late fee unless the payment was not received by the XXXX. They did transfer me to their collections department. The individual I talked to in their collections department understood that I was correct and that what they are doing is not in accordance with Federal Regulations and stated that in accordance to the PNC rules I could NOT put in a cease and desist order stopping them from calling me on my work phone unless I took the action of writing to them. I have never given PNC permission to call me on my work phone or my cell phone. My loan was transferred to them without my consent or knowledge. This is creating a hostile collections environment for me when I am not even late in making my payments. They are trying to embarrass me at work, stress me out and may have even tried to illegally assess a late fee when the payment was not late. I have had many mortgages and have never received a collections call from any of them.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to the CFPB due to not hearing anything back from the bureaus in regards to a account on my credit report! I have asked them to verify for months and send me where this is coming from. I even wrote the creditor. I need help identifying this account to see what it is. This account is affecting my credit report and I want to get this taken care of if this is indeed my account! No response makes me wonder where its coming from and what has been sent to verify it.
Consumer complaint received 2022-03-21
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 XXXX XXXX consumer, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Consumer complaint received 2021-06-14
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-06-15
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. (PA)

I sent a dispute to the consumer credit reporting agencies pointing out to them that i was Never late on any house payments. 

I have pointed out the METRO2 violations which are their industry standards I received a response back from XXXX  and Transunion that the information is accurate which UNTRUE. 

I never received any communications from XXXX XXXX XXXX. They are required to send me a written notice under RESPA if there is any delinquencies, which NEVER HAPPENED. 

if I was late I want to see proof which the lender can not provide to me. 

This is violating my consumer rights and preventing me from having access to low interest rates for a new home and vehicle. 

This company XXXX XXXX XXXX, XXXX  and Transunion MUST correct these purported late payments at this point no matter what at this company due to their gross negligence.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ERC (NY)

Company ERC called at XXXX EST and refused to identify themselves as a debt collector. Refused to identify themselves at all. I asked " what is erc? '' They wouldn't say. I asked " what kind of company is ERC? What do you do? '' Again they refused. I then asked- are you a debt collector? Again they refused. Called from Number XXXX
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I file ( mail ) a dispute with XXXX & Equifax pretending to XXXX XXXX XXXX  on XX/XX/19 explaining that I was a victim of identity theft ( fraud ). Below is the exact wording in my letters. 

" My personal information was used to obtain or try to obtain credit in my name. Please remove this information from my credit report. I am not asking for you to validate or verify with the following companies, reasoning being they will of course validate or verify the info if my personal info has been compromised. These accounts are fraudulent, I have included a copy of the police report filed. ''
Consumer complaint received 2023-12-11
Product: Credit 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: AMERICAN EXPRESS COMPANY (NY)

I have purchased 3 XXXX XXXX XXXX XXXX  from a vendor named XXXX. Because these items arrived too late, I requested for the items to be returned for a full refund. The vendor informed me that I would need to take care of the return by myself. 

I purchased a UPS return label with tracking number XXXX and shipped the items back to vendor. Tracking clearly shows that the items were successfully returned to the vendor. Despite that, the vendor claims that he has not received the merchandise and refused to refund me for the return, which I've made according to their policy. 

I've opened dispute XXXX with Amex but have been unable to get an Amex rep that actually understands the case and evidence and supports me on this dispute.
Consumer complaint received 2019-10-17
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. (IL)

I reviewed my credit report and it shows XXXX XXXX charged off. I also show XXXX XXXX who the account was sold to as paid on my credit report so the same account is reporting on my credit report from XXXX XXXX. If they sold it to XXXX XXXX and it was paid why would they put it back on my credit report as charge off after the account was paid with XXXX? FCRA states that an account can not report on your credit report twice so I asked for it to be removed and they refused to do so.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  keep reporting erroneous information to XXXX and Transunion. I have disputed the error multiple times. XXXX  and Transunion is reporting the info as accurate, although, the account is included in the primary borrowers Chapter XXXX bankruptcy.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (OR)

My Wisconsin Eppicard Child Support Card has been just closed without prior warning. SO it has been since XX/XX/XXXX since I could use my child support card. I keep calling and calling Eppicard customer service, Wisconsin Child Support, and my local county child support agency. No one can issue me a new card except Eppicard and they do not answer. No matter how long I sit on hold. My account is closed so even the automated service hangs up on me.
Consumer complaint received 2019-01-10
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. (FL)

Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX. 
Employment should be : XXXX. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; Information. Research XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-08
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. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$650.00}. This debt is not mine. Removed once and then back on my credit. We lived with room mates, so I have disputed this and asked for proof. No proof given, just credit reporting agency saying it was. Not fair at all.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I sent XXXX letters to XXXX, Equifax and XXXX on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these times i received a letter from XXXX and XXXX that they didn't think the information was from myself even when i sent XXXX  forms of XXXX and still my XXXX don't seem to be getting attention.
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX, 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

This summer I was a victim of employment fraud that involved American Express. I currently am obtaining information from the federal authorities on three continents as to the results of their investigation. The fraud department at American Express has been wonderful in working with me however, in theses changing times the current definition of fraud is insufficient. The card possession rule does serve to protect your customers as well as it used to. My case is a good example of how criminals are exploiting American Expresses procedures with other banks and in my case, XXXX XXXX XXXX. 

Specifically, my injury occurred between the time I submitted the payment and the time the charges came back as reversed/ insufficient funds. I would have expected XXXX XXXX XXXX to know who their account holders were as directed under the US Patriot act for banking. Second, I would have expected that American Express and XXXX XXXX to have alerted me to the fact that this reversal of funds/ insufficient funds in a reasonable amount of time. My experience was 26 days! During that time I saw payments post with clarity and available funds replenish my account.
Consumer complaint received 2022-12-03
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. (NC)

I have reached out to XXXX  on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or Experian and/or XXXX consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by XXXXXXXX XXXX  each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three XXXX XXXX accounts listed below be removed immediately from my credit report with Experian, XXXX and XXXX. XXXX is in direct violation of my rights under FCRA. 

XXXX  account numbers : * XXXX * XXXX * XXXX
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my XXXX credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " BARCLAYS BANK DELAWARE '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact XXXX where the inquires are shown. Then was instructed to make these actions in order to solve this issue.