davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$300000.00}.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX end, violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, or report amounts once the account has been closed arbitrarily.

15 USC 1666B : A credit card account under an end consumer credit plan as late for such purpose
Consumer complaint received 2023-03-24
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (FL)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX 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 2023-01-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has 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. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

Experian : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OR)

On XXXX XXXX at XXXX XXXX  someone setup up online access to my acct. minutes later my pin # was changed then at XXXX XXXX  {$2000.00} was withdrawn from my account by XXXX and deposited into a personal checking acct, Non of this was done by me, in fact i had eft this card in my desk drawer and was gone from my home from XXXX, XXXX until XXXX when i tried using card and was unable to first because of changed pin and then because of balance. I contacted US Bank and informed them and started dispute claim. I was told i would be sent forms and i filled them out and sent them immediately back and was told it could take up to 4 weeks. I waited 5 weeks and heard nothing so i called and was informed my claim had been closed because they found nothing suspicious. I was very upset and was told i needed to file a police report before it could be reopened, On XXXX XXXX i filed a police report and then was told i needed to wait for it to be completed and make an apt with sheriffs office, pay {$25.00} and request a copy and it could take up to 4 weeks to receive.On XXXX, XX/XX/XXXX and again on XXXX! XXXX this report was faxed to USBank , I have no way of knowing if they have received because the only thing they will tell me is if they havent and on the first 2 dates they said they didn't? I have done everything they have asked me to do, have spent hours on hold, have requested the documents that they made there first decision on and have never recieved..
Consumer complaint received 2019-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OK)

my paypal account was frozen around XX/XX/XXXX after having the account for years, ive always had high usage, we have a store and we use paypal a lot. People pay us with gift cards and i put them on my paypal and transfer the funds to my bank or to my husband. Paypal told me that some of the cards applied to my account were reported lost or stolen and now my account is frozen with {$3100.00} in it. I believe that my account was hacked as well as there are a few transactions in there that i dont recognize and my XXXX account and XXXX XXXX accounts were also and they told me i was using a VPN ( which i dont have or even know how to use ). I have called them numerous times, messaged them several times and told them what is going on but they still will not release any of my funds. I even agreed to leave {$500.00} in there in case of any charge backs even tho i have a very low charge back rate on my paypal, but i need my money! i have copies of my messages to them trying to resolve the issue however the messages from XX/XX/XXXX have been removed but say i can access them for 90 days i just need to get a hold of them and i did but he told me i would have to reach out to their legal team to get a copy of that one.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Bridgecrest Acceptance Corporation (TN)

I have been told to send my situation to you. The problem is I had to default on an auto loan. Within a week of the finance company, BridgeCrest, reporting to me credit bureaus, I started receiving phone calls from solicitors several times a day. I used an email address for this loan that I only have used for 2 other contacts. I also started receiving spam emails & emails that contain inappropriate content. I have followed all the information to get these things stopped, with no avail. I just know that BridgeCrest released my private information to be used by these companies. Every time I receive a phone call, I do not answer & block the number. They call from a different number. I have over 70 phone numbers blocked and just deleted them in the beginning. I am looking for information to report BridgeCrest and the agency that calls me 2-3 times a day.
Consumer complaint received 2023-03-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/19 I made an error that has now caused my funds deposited on XX/XX/19 to be frozen for 10 days. 

I inadvertently transferred money from one account to another, only problem is I to the to and from backwards. As soon as I hit the OK button I realized what I had done. I called Wells Fargo to see what my options were. 

My options were to put a {$31.00} stop payment on the transfer, which didn't make sense because I don't have {$31.00} to spare. Well the XXXX transfer out of my checking from the other account hit so I called to see if we could do an {$18.00} reversal, it was an error on my part, however ; it happened. 

This error has sense caused my checking account to accrue 6 or more overdrafts which now Wells Fargo put a 10 day hold on a deposit that I depend on to pay my bills, get medications, doctors appointments. 

I have explained to Wells Fargo that I am XXXX, do XXXX to try and offset some of my expenses until Social Security makes their decision. 

I have set a lot of bills to be paid automtically, hence the Overdrafts. Once I received the email that they were holding my funds. I called and explained to them I am XXXX and need those funds for XXXX purposes and Bills. 

Being continually penalized {$32.00} for bills that I have set to pay automatically, while the money is there I find ridiculous. 

They have told me once the hold comes off they can give me partial credit for the overdrafts. That is not going to help someone is XXXX and unable to make a living.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Upon checking my credit report I have noticed to fraudulent hard inquiries. XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, these hard inquiries are result of fraud
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MS)

I have made several attempts to all 3 bureaus to provide verifiable proof ( an original consumer contract with my signature on it ) that XXXX XXXX can place this debt on my credit report and they have not. XXXX and XXXX removed this medical debt but Equifax refused. This medical debt illegibly XXXX dollars which is under which is under XXXX that should not be reporting 2023.
Consumer complaint received 2019-05-10
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

The Onemain company opened XXXX XXXX, 2015 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Consumer complaint received 2024-03-06
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

In 2017, right after the huge data breaches at the credit reporting companies, I put a " freeze '' on all 3 credit bureaus. XXXX, XXXX  and Experian.

I am now trying to refinance and need to " unfreeze '' my credit reports. Simply done for XXXX   and XXXX. Experian is another story. I have tried for 2 weeks to get a person on the phone. I have the original PIN they gave me, and it does NOT work. I have followed the instructions, sending all my personal info, my drivers license and a utility bill through the regular mail. In a million years I would not have chosen to send such sensitive information by mail, let alone all on one page, everything someone would need to steal my identity. Why even here, I'm asked NOT to offer this information. How can a company I haven't employed hold me hostage. How can this be sanctioned? They have an enormous effect on our lives and yet they are immune to any questions or interaction. I have the highest credit rate, over 800 on all three and yet I feel like a criminal. I have been on pins and needles praying my personal information and my identity are secure. As of yet I have not received a single communication from Experian. I have no idea what the status of my request is. I don't understand why the PIN doesn't work, why there is not a chance of getting a person on line but mostly how they get away with it. I have not asked to be on Experian and yet they seem to be in charge of my finances.
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (CA)

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimu

m payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. They believe that they own you and that the client has no Rights! Their customer service is extremely disrespectful and Managers are the worse plus they hang up the phone when you ask for an explanation. They do not know why, they just know that by charging the client, they can keep their job. That is not fair for the client.

I have two cards with them and the other card has a lower balance. Bank of America definitive does not care about the client. My card is more then 10 years and suddenly, they are trying to be difficult. 

I want all the fees that Bank of America has been charging. There is a payment set up and they had fail to help me update my account. When I tried to do it online it does not go thru. Bank of America keeps charging my account highers fees every months because they do not care about the client.
Consumer complaint received 2019-10-04
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. (CA)

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2019-05-10
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. (LA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

The credit card is issued on Synchrony Bank and the card is Walmart.com.

Walmart.com closed the credit account after I submitted a promise to pay on past due balance. 

The credit card company is still reporting to the credit bureau after closing the account and is lowering my credit score by 5 points.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After reviewing a copy of my credit report I noticed some fraudulent inquires on there. I have never applied for credit with any of these places nor do I have any accounts or business with them. Please remove these fraudulent inquires from my credit report.