davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-11-16
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. (OH)

Was requesting copies of my credit report from XXXX, XXXX, and TransUnion for XX/XX/XXXX. Usually I request them online from the XXXX website. I have had some problems requesting all three at the same visit from this website so for my most recent visit when I started encountering problems, I submitted a completed printed XXXX XXXX XXXX XXXXXXXX XXXX and sent it to the address on the form for XXXXXXXX XXXX XXXX XXXXXXXX XXXX in XXXX. I received a postcard from TransUnion with a " date issued '' printed on it of XX/XX/XXXX. I received this postcard XX/XX/XXXX. The note states that their records show that I have received my free annual credit report from TransUnion within the past 12 months and that if I'd like to buy and additional credit report for {$11.00} from them, I can to online to disclosure.transunion.com or call them at XXXX. I called their number today to ask why they are sending a postcard telling me I have to purchase my credit report after having received a free one from them in the past year. After talking to the first one individual at this number- I am supposed to be receiving my current TransUnion credit report from them by mail at no cost. But, I was transferred to another representative who really couldn't answer my questions or explain why they are sending out these post cards. I terminated the call when it became apparent it was unlikely I'd get any legitimate explanation of why they are sending out a notice of having to purchase a TransUnion credit report right now after having received a free one within the past year. There appears to be a problem here, since we are supposed to be receiving access to our credit reports for free every 7 days until XX/XX/XXXX. I wanted to make you aware of this in the event other members of the public are also receiving post cards from TransUnion indicating that to obtain more than 1 free credit report a year, they are to pay for it - even though that currently does not apply. I can provide a copy of the post card if you would like although it does contain my TransUnion request file number on it which they use for reference.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Aspen Yo LLC (NJ)

I applied for a home equity loan, and the company noticed on my credit report that my house was/is in foreclosure which isn't true. So I contacted my mortgage company and they verified that my house was never was/is in foreclosure. I asked them to send me in writing that my house was never in foreclosure, but they refused to send it and told me they don't have to comply with my request nor follow any laws cause it's their company policy and that this supersedes any and all laws federal/state. 

By not having this information they are stopping me from getting a home equity loan
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (NY)

Professional Claims Bureau, LLC ( pcb ) keeps sending collection letters demanding I pay them a debt I do not owe. I have sent them written dispute letters asking them to cease all communications with me, since I do not owe this debt and and completely disputed the validity of the debt in its entirety. I sent my written correspondence via XXXX and XXXX XXXX XXXX several times, but they ignore my correspondence and just keep demanding payment. See attached correspondence ( XXXX, XXXX demand letters and XXXX dispute letters ). It is now harassment via the mail, and I want them to cease all communications with me, except for any legal process that I am fully ready to defend.
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (LA)

Dynamic recovery solutions Account # XXXX I received an alert on my credit profile saying I owed XXXX for a doctor bill. 
I never received a bill but on the collection it was said to be submitted XX/XX/2021 the inquiry came around XX/XX/2021 XXXX I also called about the debt and told them I was in a car wreck my lawyer took care of all of it. 
I also asked why I never received a letter about the debt in which the worker said they dont have to send a letter I already knew of the debt. That should b on file because she said everything is recorded for customer assurance purposes. 
I also have medical insurance which I had every since my car wreck, so I know in fact that was a bill for my car wreck. 
After I sent them a letter a week later they responding by offering me a settlement price or to pay it over time. That was the first letter they sent to me. 
XXXX law firm of XXXX Louisiana handled my car accident.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (CA)

I relocated from XXXX to XXXX around XX/XX/2020. I telephoned, and wrote the bank on several occasions to close the account without success. I just received a letter from the bank stating the account is dormant and I will be charged a fee. That's not fair!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted TRANSUNION last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( XXXX and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell TRANSUNION whatever to report on my consumer report under FCRA. Failure for TRANSUNION to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.
Consumer complaint received 2021-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no Response.
Consumer complaint received 2021-04-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
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. (MI)

My car was stolen with my personal information in it. I recently have had so many inquiries on my report and XXXX and equifax have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2019 I made a purchase of tickets on XXXX. One of the payment choices was PayPal, so I chose PayPal and when I was redirected to Paypal I selected the PAYPAL CREDIT option for payment. This option allows you to use a predetermined line of credit to purchase items online. Since I had available credit of XXXX and I was trying to charge XXXX to the line, I knew it would be ok. I followed the prompts and eventually I was returned to the XXXX XXXX site and completed the transaction. About 25 minutes later I realized I had purchased the wrong tickets. SO, I called XXXX XXXX  and was told no refunds but that I could try to resell the tickets on their site. I wondered if I might have some relief from PayPal so I contacted them. When I described the transaction, the rep from PayPal told me that her records said that I did not use Paypal credit to complete the purchase but rather that the purchase was made using my checking account instead. Now it is true that my checking account was the default payment source but I had EXPRESSLY selected PAYPAL CREDIT to be the payment source for the ticket transaction. I pointed out that I felt this was an unauthorized debit against my checking account as I had only intended to charge this purchase. I pointed out that nothing warned me that my checking account was about to be debited. After checking with her support team she reported back that their had been a 'reported glitch that apparently resulted in some people selecting PayPal credit only to have the payment debit another source instead ''. She said that it was because of some kind of merger or transition involving XXXX XXXX. I guess XXXX is the bank that provides the PayPal Credit account. I accepted her explanation but asked what they were going to do about it. She said there was nothing she could do. SO the effect was that PayPal ignored my direction to charge the purchase to the Pay Pal credit account but instead used my checking account to pay for it. Mistakes are made but what has me angry is that there was no effort to solve this problem. I later attempted to purchase another set of tickets using Pay Pal credit, and I was crystal clear about my selection to pay using the Pay Pal Credit account and it definitely did not work the second time either. When I called PayPal support about the second instance, they said there records showed that I selected the bank account for payment. I am absolutely certain that in both cases I had selected Pay Pal credit as the payment source. They simply do not believe me.
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I had a business checking account at US bank. I applied for a merchant processing service through XXXX XXXX XXXX, connected to this bank account. I did not use or activate this merchant processing account. However US bank allowed them to take money from the account. At first it was {$43.00}. I then paid US Bank to block any further charges from this company. The merchant services company then came into the account under a different name and took {$490.00} which overdrew the account by $ XXXX. The bank then added fees on top of fees. The result was that the account was closed and charged off because I would not pay for this unauthorized charge. The bank should never have let such a charge go through when there was almost no balance in the account.
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 — Account status incorrect
Company: Self Financial Inc. (CA)

The company called XXXX XXXX XXXX, a XXXX XXXX entity, marketed a credit builder installment loan to improve my credit. I paid all payments on time and it shows up on my credit as not paid in full with a balance. They also encouraged consumers to get a credit card in connection to this account. When I completed the 12 month program, they closed my accounts. This hurt my credit in two ways : ( 1 ) Closed account status and ( 2 ) incomplete installment payments. I intend on filing a civil complaint against them if not corrected immediately. 

SELF engages in deceptive and unfair credit reporting practices.
Consumer complaint received 2021-04-15
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. (NY)

I contacted the three consumer reporting agencies, Equifax, XXXX, and XXXX and let them know I am a victim of the Equifax data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Thursday XX/XX/2019 I attempted to contact 'Equifax XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'Equifax XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ', not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies Equifax, XXXX, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3  agencies unreachable through online log in at the same time??
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My car was stolen with my personal information in it. I recently have had so many inquiries on my report and transunion and XXXX have failed to assist me ugh getting this fraudulent activity removed. I have emailed multiple letters, I have called and still have received no help
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (GA)

I have received a letter from Sequium Asset Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This company is telling me I owe XXXX money and I have verified TWICE now with XXXX that there is NO OUTSTANDING DEBT! 

Reference # XXXX from XXXX are : XXXX XXXX and now XXXX XXXX Please make the harassment STOP.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I requested a credit increase on my business ( XXXX XXXX XXXX ) credit card with Capital One, only to be denied for what they say was " You have to many inquiries '' they also show my score as a XXXX, but my XXXX score is over XXXX and all of my credit cards have great payment history, this is open racism. They once told me I could get a increase after I had my card for more than 14 months then they said 16 months.
Consumer complaint received 2023-06-03
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. (NC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 

XXXX XXXX XXXX : has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions. 
15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I had several deferred loan modifications with   XXXX   XXXX   XXXX    Between the years of  XXXX  and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In  XXXX  I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Denied Claim Appeals - XXXX XXXX & XXXX XXXX My claim appeals were denied based on the assertion that the transactions were verified using an authentication process with my device and/or confidential information. 

While I understand the importance of security measures in safeguarding transactions, I must express my disappointment with the decision. These claims were filed in XX/XX/2023 and I wish to reiterate once again that I did not authorize the transactions in question, and I firmly believe that they do not align with my typical spending patterns or behavior. As a responsible account holder, I take great care to monitor and protect my financial accounts. However, despite my diligence, unauthorized transactions occurred, leading me to file the claim appeals. It is essential to recognize that fraudulent activity can happen despite stringent security measures, and I rely on Citibank 's support in rectifying such occurrences. I respectfully request a thorough review of my case, taking into account the circumstances surrounding the unauthorized transactions. I remain confident that a reconsideration of the evidence will reveal that these transactions were not authorized by me and warrant reimbursement. Additionally, I am willing to provide any further documentation or information necessary to support my claim.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im 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 https : //www.ftc.gov 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX, XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00}, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/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.