davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

Hello, On XX/XX/XXXX of 2022, three unauthorized transactions were made on my XXXX XXXX  account. A transfer amount of {$54.00}, {$100.00}, and {$100.00} was taken from my amount which I did not do. It was done through remmesa, XXXX XXXX XXXX with the pickup location being called XXXXXXXX XXXX XXXXXXXX. I have just closed my card as of today XX/XX/XXXX but my bank can not do anything until the money is done pending.
Consumer complaint received 2022-07-12
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. (TX)

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-07-12
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 6. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 7. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices Account XXXX : XXXX As a consumer by law this account must be deleted immediately 8. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2017-11-13
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. (NC)

Equifax is reporting a derogatory mark on my credit report. I contacted the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. ( OFFICE : XXXX TOLL FREE : XXXX ) XXXX, and they said that I was n't liable for this mark and that they were not reporting this to any credit agency. I tried disputing it with Equifax and also opened up a reinvestigation earlier this year that has not been addressed.
Consumer complaint received 2023-03-23
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. (KY)

TransUnion has incorrect personal information on me. They have on file possibly two addresses that are not familiar or false. Also my current address is not on file. My full name is not on file and there may be a fraud alert from XXXX. This i had on file with XXXX but was able to correct without problems. TransUnion is not being as cooperative. TransUnion would not accommodate for my XXXX either. Instead they disconnected the call refusing to correct the information. I also needed to dispute two accounts falsely reported if still on file.
Consumer complaint received 2022-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

I received a delinquent tax notification from my county that my taxes were not paid. Ally Bank asked me to send them a copy, I did so and they said they would make payment and that I wouldn't be liable for the penalty. I see that my tax payment was deducted from my account on XX/XX/2022, but as of today XX/XX/2022, it has not been credited by XXXX XXXX, CA. I spoke to the county last week and they said that they do not have any record of the payment. I have asked Ally to send me a transaction ID or some other proof of the transfer to see if there was some error in the account numbers or something but they keep responding by email that they have made payment and I need to follow-up with the county. I have been trying to get this resolved for 2 weeks now and they are not acknowledging there is a problem.
Consumer complaint received 2022-07-12
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Balance : {$5400.00}, XXXX XXXXXXXX Balance : {$2700.00}, XXXX XXXX XXXX : {$1900.00}, XXXX XXXX XXXX XXXX {$1000.00}, XXXX XXXXXXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$84000.00} " If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I inherited this by my grandfather, the company is Caliber home loans. I am currently behind in my mortgage payments due to covid 19 and have denied every option I have chosen to being my mortgage current besides paying the amount XXXX in full by XXXX XXXX to avoid foreclosure.
Consumer complaint received 2022-07-12
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. (TX)

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (FL)

I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX XXXX : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX AT XXXX ) XXXX Balance : {$4500.00} ; XXXX  XXXX Balance : {$56.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4000.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-11-13
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. (TX)

Experian refuses to remove XXXX XXXX XXXX from credit report. XXXX XXXX XXXX sold our lien during chapter XXXX Bankruptcy to XXXX lending who became XXXX XXXX loans. When XXXX XXXX XXXX sold the loan they sold all rights as the obligator of the loan. At that point the payments were made to the new lien holder. Had we defaulted the new lien holder would have acquired the loan as the new lien holder received the discharge by being the registered party with the trustees office at time of discharge. By law XXXX XXXX XXXX transferred the rights to the lien and discharge just as when XXXX XXXX XXXX obtained XXXX home loans XXXX stopped reporting our good credit with them and as XXXX XXXX loans acquired XXXX lending the information. About XXXX disappeared. When XXXX purchase the liability of the loan XXXX XXXX XXXX was no longer involved in the bankruptcy. XXXX XXXX XXXX need to be removed because two collectors can not lay claim to the same lien amount for the same obligate. When the trustee awarded the discharge it was to the lien holder at the time of discharge. When XXXX XXXX XXXX optioned the bankruptcy court for approval to sell the lien the rendered their right to the Discharge.
Consumer complaint received 2022-07-12
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. (FL)

I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$550.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$56.00} ; XXXX XXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4000.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-12
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 called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX XXXX and hoping that these XXXX XXXX Balance XXXX {$500.00} and XXXX XXXX Balance : {$0.00} Late payment will be updated.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

Citibank is arbitrarily and capriciously denying a credit limit increase to me- even though I have a XXXX score with all three credit bureaus - all balances are paid in full - and I utilize less than 5 % of my available credit limit - and I have excellent payment history with no late or missed payments ever. Citibank is continually pulling wrong credit report information that is inaccurate and this is harming me. I was told at the time of request - an accurate credit report would be pulled- which either was false or there is then no rhyme or reason to why Citibank denied my request.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, multiple withdrawals were made from my checking account XXXX for a total of {$3500.00} without me being aware and I did not make those withdrawals. Again on XX/XX/2022, another unauthorized withdrawal was made for {$500.00} without me being aware and I did not make this withdrawal, On XX/XX/2022, a counterfeit check was made to " XXXX XXXX XXXX '' for {$2000.00}. I did not know who " XXXX XXXX XXXX '' is and it was not my signature on the check. There was another unauthorized withdrawal on XX/XX/2022 for {$500.00} that was not done by me. Returned check # XXXX and # XXXX were also not written by me.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX XXXX Credit Card that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for the erroneous information reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered because of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX Credit Card for the month of XX/XX/2022, be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

On XXXX our Venmo Account was frozen due to suspicious activity ( we were driving from XXXX to XXXX to get our daughter from visiting her grandparents ) we got to Mississippi and discovered it was frozen and we didnt have any money or gas. My mother in law ended up driving our daughter to Mississippi and was able to give us {$20.00} but thats all she had. We were able to get a little gas but now have been stranded in Mississippi because Venmo wont unfreeze our account. They said we have ti wait 6 days. So even though weve verified our identity- send a picture of our license and is holding the license- we verified the charges and changed our passwords- Venmo said they still need 6 days to investigate. Ive called in 16 times- I get the run around and then they hang up and then inundate me with surveys about their service. Apparently the different departments arent allowed to communicate and they dont and the department that deals with freezing accounts doesnt have a phone so you can only email and hope that on day they will respond. When they do respond its with vague articles that dont even relate to the issue This has been the most horrible experience-we are both at risk of losing our jobs because we are stuck here with a little bit of food that we brought with us from Home - XXXX XXXX XXXX XXXX - waiting for Venmo to give us our money so we can get home and then we will be closing the account