davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : FCRA Violation - Incorrect Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies.

In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above. 
I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (FL)

Despite XXXX written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX, I purchased an airline ticket through XXXX for a flight to the XXXX. An authorization was placed for the full amount, XXXX through PayPal, reflected in my PayPal balance. 

On XX/XX/XXXX, I canceled the trip. As it was in the 24 hour period, it was canceled and I was told I would be refunded/not charged via XXXX. This was confirmed via email. The authorization hold was instantly released, and my money was reflected to be back in my PayPal. 

On XX/XX/XXXX, after the authorization had already been canceled and the money had been refunded, I noticed a charge in my PayPal account in the full amount of the flight ( which had already been canceled and the authorization revoked. This was a brand new transaction ). I contacted PayPal via chat and was told that this would be refunded. The amounts were for {$370.00} from my PayPal balance and an attempted XXXX from my that did not go through. 

XX/XX/XXXX, my PayPal balance was refunded. 

XX/XX/XXXX, the airline attempted to collect the XXXX again. It was denied from my bank and instead created a negative balance in my PayPal balance of XXXX. Retrieval was attempted through my XXXX XXXX  account three times throughout the following week and I was told this would be the end of it. During this time, every time I attempted to contact PayPal or dispute the transaction that caused the negative balance, I was met with an error page each time that would not allow me to access the page. 

Days later, a payment I had received prior to the incident totaling XXXX posted, bringing down my PayPal negative balance to -XXXX. 

XX/XX/XXXX, XXXX was retrieved from my bank account without warning for this amount that had been unauthorized. 

XX/XX/XXXX, this amount posted, creating a surplus of XXXX in my PayPal account. Again, any attempt to collect on this amount created an error. I was not allowed to touch or access my money, as my methods of withdrawal were denied and my account had been limited, meaning I could not use PayPal to pay online.
Consumer complaint received 2023-07-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (DC)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update/correct these suspicious accounts. I think you have not validated these accounts 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 Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2022-10-26
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. (IL)

I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX post Requested an hard inquiry on me credit report with transunion XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed XXXX was XX/XX/2022.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NV)

Ashley furniture bank card first lowered my credit card amount in XXXX with no notice. Then in XXXX they closed my account without notice based on fraudulent and inaccurate information from XXXX credit reporting. My rights have been violated and now my credit took 2 hits from them in less than 6 months.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MA)

My credit card was abruptly closed without notice. There is a large credit balance on the account. I would like the company to refund the credit balance ; either by sending me a check, or by simply reversing the bill pay payments coming from my external bank account.
Consumer complaint received 2022-11-30
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. (OH)

I'm 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc. (TX)

When I vacated the apartment complex, the Apartment Manager stated to me that they would send me a final statement of what was owed. I never received a final statement or a notification that an amount went into collection. I accessed my credit report and saw that the balance went to a collection agency, Blakely-Witt & Associates. I called Blakely-Witt & Associates to negotiate a payment arrangement and spoke with XXXX XXXX. I am currently an XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX stated that if I wanted to make monthly payment arrangements that I would have to pay half of the balance owed {$600.00} and then make monthly payments moving forward. I explained to Mr. XXXX that I was XXXX XXXX and I could not afford that payment at this time but I could afford was {$100.00} per month, until the debt was paid in full. He would not accept the payments. He told me that I could hold the {$100.00} payments in a savings account and then call back in 6 months. My Financial Counselor, XXXX XXXX, attempted to assist me in informing Mr. XXXX that I was XXXX XXXX Military and verifying if he was refusing the payments and he said Yes, his clients would not accept the monthly payments without having half down first. Mrs. XXXX further explained that I could not afford the half down payment and that if he was refusing my payments of {$100.00} now then she would be forced to file a complaint with the CFPB. Mr. XXXX then replied with " Go ahead, file it ''. Mr. XXXX was very aggressive and unpleasant and was not willing to accept the payments I could afford at this time which was fair and reasonable. The debt would have been paid in 12 months and in plenty of time before my Armed services contract was to expire.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

See attached. Get these panhandling frauds out of my email inbox. XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION (FL)

This company continues to call me for a debt I have no idea about. They call me all day at least 10 times a day starting at XXXX XXXX  and go till about XXXX XXXX. They also call my work and bosses personal cell phone after being told repeatedly not to.
Consumer complaint received 2020-09-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,, Continued,, Issues,, Called Wells Fargo Bank For Personal Loan For Rental Assistance And Ect,, Spoken With Mr XXXX XXXX At XXXX : XXXX,, Banker Teller,, Supervisor,, Still Didn't Help Me With Matter He Give Me Alot Opinions,, But Didn't Help at All,, What Kind Of Banking Business Is This If They Can't Help Loyal Customers At a Time Of Need,,, ( Covid19 ),, This Bank Is Still Messy ,, They Really Do Need The CLEAN ) ) This Bank Up, Quickly,, I'm So Disappointed With This!!!!
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have disputed this negative account with the credit bureaus as well as the direct creditors and they have reported to confirm the account is valid without any proof. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

chase bank called on XX/XX/2023 to tell me that my claim for unauthorized withdrawal of {$4800.00} was declined. The reason that my stolen pin and debit card were used to withdraw through a teller 's window from my checking account on XX/XX/2023. The unauthorized person made XXXX withdrawals on XX/XX/XXXX, first {$1000.00} atm, second {$4800.00} through a teller 's window, third {$200.00} atm and fourth {$200.00} atm. all these withdrawals were made in a matter of minutes. the atm withdrawals were credited to my account but the {$4800.00} was not. The video at the chase branch shows per the bank, a middle aged white person made the unauthorized withdrawal of {$4800.00}. chase bank contact : Chase claim, XXXX XXXX XXXX, XXXX, in XXXX ; tel. XXXX
Consumer complaint received 2023-08-10
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: SUPERIOR CAR CREDIT (IL)

I bought a vehicle from Superior Car Credit XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with Superior Car Credit reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. Superior Car Credit finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. One of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help
Consumer complaint received 2019-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (AZ)

I have a debt collection for an auto loan reporting on my credit that is not mines. I have never opened an auto loan with this company mentioned nor have I cosigned for anyone else. This information is completely false and does not match any addresses that I ever I resided at.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting a judgment on my credit to all the agencies that judgment was discharged in XX/XX/2017 it is illegally fraudulently and on ethically being reported on my credit two years later it needs to be removed and my credit score needs to be adjusted immediately
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Comerica (TX)

I got one offer from Comerica Bank. Access Checking Account with {$200.00} offer. Application # XXXX. I was told to the nearest bank branch and open the account with that offer. I did the same and successfully opened the bank account. 
Everything was all okay. As per the offer, I was suppose to have a direct deposit of {$750.00} 3 times within the 90 days to get this {$200.00} offer. I have already fulfilled those conditions but today I got the email that my application is cancelled and now I need to start all over again?