davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
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: U.S. BANCORP (GA)

On XX/XX/2018, I submitted a credit application to US Bank to obtain a XXXX XXXX credit card. A credit inquiry was done and I was approved for the credit. On XX/XX/2018, I requested a credit line increase for the card and was advise by their rep. that they would consider the request and contact me soon with a decision. On XX/XX/XXXX, I reviewed my credit report and found that another credit inquiry had been executed by US Bank. This action was taken without my knowledge or consent. I would not have agreed to another hard inquiry on my credit report given that stays there for 2 years. 

On XX/XX/2018, I called the bank to complain and ask that the inquiry be removed. I was told by the rep. that the bank has the freedom to initiate a credit inquiry without a consumers consent if it so chooses. I stated that I believe this action violated my consumer rights and should not be allowed. 

To that end, I am filing this complaint in an effort to have this credit inquiry removed from all my credit reports. Your attention to this matter is appreciated.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 XXXX 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 XXXX 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 XXXX XXXX  and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-04-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (GA)

Ocwen # XXXX was listed on my credit report ( last date reported ) XXXX, XXXX and should not have been due to foreclosure date of XX/XX/XXXX. After 7 years, Ocwen should not have reported this debt and should be removed from my credit report.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts, inquiries and Incorrect Addresses, that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX  XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} XXXX XXXX  XXXX Balance {$0.00} ; Inquiries : XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

I made a deposit of 4 money orders, with {$390.00} each over the counter on XX/XX/XXXX ( Saturday ) at the Regions XXXX XXXX  branch, XXXX GA XXXX. However, on XX/XX/XXXX it was showing one money order was declined and only three were deposited and posted onto my account. I went to the branch, asking for the reason. A lady with manager title gave me a Refer to maker notice and asked me to contact the money order issuer, XXXX XXXX to see whats going on. She refused to start an investigation. 

I spent a lot of time and paid to request a customer trail research document, and it came back saying it was declined because the money order was presented by the same bank more than one time on the same day and it was paid off upon the first attempt. It must have been the clerk who tried to cash it made a mistake. 

I went back to the XXXX XXXX on XX/XX/XXXX. Someone helped to find the image of the declined check was duplicated in the system, which means another money order was not scanned and cashed. 

If the previous manager would pay a little more effort to go through the scanned images on my first visit, I wouldnt have spent so much effort and suffered from the stress of losing my money, and I wouldn't have paid just to prove that it is a fault of some one at the Regions XXXX XXXX branch
Consumer complaint received 2021-06-09
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX there was a hard inquiry in my XXXX  credit report for a credit card from chase business inc that I did not apply for. I called the credit card and they will remove from my credit report. They had all my information which is scary. My personal identity has been compromised.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt. 

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted. 

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX 

Per a letter I received from the Ohio Bankruptcy Court, no  verification was done as the courts do not verify information.
Consumer complaint received 2022-06-14
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. (AL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts, inquiries and Incorrect Addresses, that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX  XXXX Balance {$0.00} ; Inquiries : XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trojan Professional Services, Inc. (CA)

I challenged XXXX and XXXX to remove the below dispute and both did ( see example below from XXXX. However, as of today, it's back on my record. To make matters worse, I attempted to dispute it 5 times via their online site and it didn't work. Then I called them, and when I finally spoke to someone in the XXXX with a heavy accent that was difficult to understand, they hung up on me. So I called them again, and again they hung up on me. Mind you, I was not rude or angry in either case. They blamed it on their " Signal ''. They're a bunch of thieves! 


XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$150.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

Dispute Reason Ownership : I have no knowledge of this account.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, 2020 I deposited to my 360 Checking account with Capital One Bank a {$5000.00} personal check written to me from a friend. The Bank put a four day hold on the funds as is usual. On the fourth day I checked on the account and found another hold on the funds. I was not allowed access to the funds and a note was written on the account instructing me to call the Bank, which I did. Upon calling I was routed the the security department and subjected to questioning about the funds as if I was a criminal. I was asked : Do you know the person who sent this check? Ans : Yes ; Why did she send you this money? Ans : To hold for future use ; How long have you known this person? Ans : Over 20 years ; Why would a friend just send you this amount of money? Ans : To hold for future use ; Before we can release these found we will need to call this person and verify who she is. Ans : NO that is an invasion of privacy. 
When asked why they were doing all of this no satisfactory answer was given. Just because we can will not work. 
The funds for the check have been withdrawn from my friends account and sitting in my account at Capital One. Capital One is benefitting from has these funds and I do not have access to the funds. 
I have been a customer with Capital One for over 15 years. I have a car loan, credit card and personal account with transactions during the month of XXXX for over {$10000.00}. If I was a crook it would have revealed itself by now.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-11
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NC)

Freedom Debt Relief contacted me and told me I had {$13000.00} worth of credit card debt that they would work with creditors and I would pay only {$6500.00} and it would be listed on my credit report as paid in full and closed by customer.As of now I paid FDR {$4500.00} and XXXX XXXX  there sister Company {$6300.00} and there are 8accounts marked negative charge off on my credit report at all 3 credit Agencies ... I need help
Consumer complaint received 2019-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XXXX XXXX, 2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk. 
They now claim that I am filing a complaint as a different person. They have all of my contact info and are knowingly making this claim as a tactic to avoid complying with the law.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have filed multiple disputes with this agency. I have put them on notice multiple times that they are in violation of the privacy act. I need copies of the form SSA-89 with signature authorizing them to access the social security number and information. Not producing this form with authorized signature is aggrevated identity theft. The entity issued this tax identification number has only ONE NAME ( in proper form since your reporting for a living man individual and not a dead man or corporation ), ONE ADDRESS as listed on document attached. All other personal information is incorrect and needs to be removed at once. Your preventing the flow of commerce by incorrectly and causing harm by fraudulently reporting false information. There are multiple names and addresses attached to these fraudulent reports. This is causing much harm and injury to my person. I'm seeking remedy and removal of all items on report due to aggrevated identify theft and fraudulent reporting with no authorization to do so. Effective immediately
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (CA)

Hi I had an apartment with 3 other people in my school and one of them didnt pay rent and we got evicted and I told the caretaker I can pay my part after every one abandoned the place and me. And I told the collection agency that 1. Its 4 names on the contract owe {$8100.00} and I shouldnt be made liable for it and then 2. On the contract it states that we cant be forced to pay interest or any fees except the one listed on the lease. 3. And that I told the caretaker and she said that I was ok and I shouldnt worry. Even with the lease saying 4 names and signature they still harass me to pay {$9100.00} on the document it clearly states no legal fees or interest shall be awarded to either party.