davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
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: Experian Information Solutions Inc. (AR)

I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2023-04-05
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)

In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has all 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-18
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. (AR)

I am a natural person & I'm a living human being. I have rights under USC 1681. I demand the accounts below to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Transunion written consent. 
I've disputed these inquiries several times. They are fraudulent and weren't authorized by me and I want them removed.
Consumer complaint received 2019-07-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Protection Association, L.P. (OH)

This company has third party disclosed to my father. Embarrassing me to my family. They have also reported to my father 's credit report. They did not verify any info on call and clearly when credit reporting did not either. I will be taking further action.
Consumer complaint received 2018-05-02
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: FACTUAL DATA CORP. (TX)

On XX/XX/XXXX I sent in a complaint to the XXXX on XXXX. On XX/XX/XXXX I received the message from XXXX  by phone that they have not removed the hard inquiry from Factual Data. The representative from XXXX said that Factual Data needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that Factual Data DID in fact notify XXXX to delete the hard inquiry from my credit report ... XXXX is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

See the attached document. 

Despite providing proof of insurance, escrow payments were taken from our account. It took over 6 months to rectify this situation. 

See previous complaint : XXXX which was dismissed as I was not on the account at the time. This has now been corrected.
Consumer complaint received 2021-12-01
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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. Below are the accounts that are reporting on my Credit Reports XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, XXXX, TransUnion, and XXXX to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX 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. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (MA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

Venmo charged a 1.9 % fee plus XXXX cents for a transfer from my kids marching band member because the XXXX ( who is probably not legally old enough to have an account ) incorrectly chose purchasing a service option when they made the transfer. Rather than correcting the problem on their end ( which is ridiculous since theyre the ones pocketing the fee ), Venmo insisted that I must reach out to the kid to untag his transfer.
Consumer complaint received 2019-07-08
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: Perfection Collection (NC)

Perfection Collection, also notated as XXXX was deleted from my XXXX report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

Perfection Collection has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which Perfection Collection was and is in violation.
Consumer complaint received 2019-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2019 I called XXXX and ordered a atm for my bank account from bank of America XXXX said it would arrive in 3 to 5 business days Not arrived as of XX/XX/2019 I ha ve had identity theft and us mail theft and. XXXX fraud I need to know where this card is asap..
Consumer complaint received 2017-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On  XXXX   XXXX     2017  - I went to  Union  Bank in  XXXX   XXXX , CA and wired {$1000.00} to a bank overseas. The company that I sent it to never acknowledged that they received it or gave me credit of it. Wit h in two we eks I contacted the Bank and stated that the company i sent the money to has n't acknowledged it and that I have proof. They checked twice with the sending bank ( B of A ) and then did a trace - every time they checked - I had to call them too see if they had discovered where my money went - each and every time that stated we ca n't get an answer back from the receiving bank.   I then went to the  XXXX   XXXX  branch of  Union  bank - they out a trace on it - same thing - after an unbelievable wait - no one can find the money - the receiving Bank does n't respond - each and every time I have had to call them - they do n't call me. On or about  XXXX   XXXX     2017  I called the Ban k Manager  at the  XXXX   XXXX  branch -  XXXX  - and stated that if I did n't hear from him in a couple if days I wold file a complaint with you. Today he calls me and states that the office of th e President will be looking into it and someone will get back to me. When I asked him what will they be doing it turns out   that they are going to do the same thing all over again for the third time hoping for a different out come - unbelievable stupidly or hiding th eir screw up.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts were properly investigated but how was that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reporting is inaccurate, that is grounds for removal and they also violated my rights under the 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 Section 2 : It also reports consumer reporting agencies can not furnish a account without my written consent.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I closed my chase checking account XXXX because my account security was not respected. I set up a personal password which chase had to verify every time I called in. Needless to say many times the password was not asked and I believe my account was accessed by non authorized persons who knew my social and address. Time and time again Chas lied. I have a case open with them and they wont tell me if Im entitled to the findings in writing. The wont answer the question and keep lying. Please investigate. These are questions that i a entitled to pose and they are required to know, yet they simply say they dont know. I have spoken with the executive team and they are negligent and incompetent. I was told last month that all my calls would be listened to, however, they only listed XXXX XXXX. They keep lying.
Consumer complaint received 2019-07-08
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. (SC)

Hi I was advised that I can reach out to you regarding some things on my credit that are not mine. I went to apply fore. home loan and was told that I was not able to get in the program because of my credit. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. I want those accounts removed from my credit so I can move forward with my life Chapter XXXX Bankruptcy, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  end XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (WA)

In Accordance with FCRA XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 States that 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 written instructions.

15 USC 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 2019-07-08
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)

There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Investment Retrievers, Inc. (CA)

INVESTMENT RETRIEVERSXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXXXXXXThe collection agency above has made an unauthorized hard inquiry in my XXXX credit file on XXXX/XXXX/2015 This is a serious breech of my privacy and causing financial harm to my credit score. I have never done business with this company nor authorized them to pull my credit file. Please stop this company from pulling my credit ever again. 

ThanksXXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-07-08
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. (AE)

I was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was the victim of a work scam. I answered an e-mail sent out through the XXXX XXXX XXXX XXXX XXXX XXXX e-mail, regarding working from home for a professor related to the XXXX program. I answered and accepted the position. On XX/XX/2024, after supposedly being employed and completing an assignment I was given, I received a check for {$1600.00} from my " employer ''. I used mobile deposit to deposit the check into my XXXX savings account and received a confirmation of the transaction from the bank and the funds seemed to be available on XXXX. On the following day, XX/XX/2024 my " employer '' requested that I transfer {$1000.00} of the funds to another employee so that the other employee could use the funds to make a purchase for the department. I attempted to transfer the funds to this other person first on XXXX and then on XXXX and both times the transactions were declined. My employer asked me to then try Zelle. ( I had been following their instructions on what to do ). The transfer of {$1000.00} from my account to the other employee seemed to go through using Zelle. The situation seemed odd to me so I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX  department on XX/XX/2024 ( ticket # XXXX ). Later, that same day the IT department called me and told me that the XXXX e-mail used to communicate with the so called employer/professor was fraudulent. I immediately contacted the XXXX XXXX XXXX XXXX XXXX police department and subsequently the XXXX XXXX XXXX Police department ( report # XXXX ). On the same day, XXXX I also contacted my bank, XXXX, to inform them of the situation. The bank immediately " froze '' my accounts both checking and savings. On XX/XX/2024, the XXXXXXXX XXXX department recommended that I file a report on IC3.gov, internal crime complaint center, which I did. On XX/XX/2024, I was contacted by XXXX and was told that I owed the bank the {$1000.00} that was sent out through Zelle. XXXX said it was my responsibility as the originally deposited check eventually bounced and the funds were not there. I feel like I am being punished twice as a victim and the bank is seemingly free of responsibility for the situation. The " virtual funds '' were transferred multiple times before XXXX determined the check was fraudulent. If XXXX had verified the check sooner or even put a hold on the funds related to the unusual activity the {$1000.00} would not have been released. Zelle could have declined the transaction themselves just as XXXX and XXXX did. If Zelle had done this, the money would never have gone anywhere. I would never have requested the transaction if I knew I didn't have the funds to cover the transaction. I truly feel like the bank, XXXX, and Zelle should share some of the responsibility for the victimization of the consumer by fraud. All of us were taken advantage of. Now a XXXX XXXX who is already short on funds and who was willing to take a job to earn some extra money, is expected to pay back what I don't even have.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CO)

Fortiva closed my account because I exceeded my limit. They sent me notice in the mail, in that notice it stated that I could call and make payment arrangements. When I called the Rep told me that my payment due for XXXX would be {$47.00}. A minimum payment of {$140.00} is showing online and in my statement. I wanted reassurance that if I paid the {$47.00} it would satisfy the XX/XX/XXXXpayment due. He said that only if I make that payment right then and there on the phone that it would. He could not provide any documentation that this was indeed true. I asked if it the payment amount would update online and he said if I tried to pay online I would have to pay the {$140.00} and it would not update to the new arranged amount. My due date is not until the XXXX, and I alway pay online, I simply wanted to pay closer to the due date. The Rep then said it was all still in process and that I needed to pay immediately. Keep in mind I have never been late, and all my payments have been made online. The letter they sent clearly states that I CAN make arrangements, the Rep could neither explain this or did he care to explain how I would ever have documetation of such payment arrangement. I would ask that the phone call be pulled so that CFPB can hear the circles and lies that were being stated by the Rep.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hard Inquiries.... I recently bought and paid cash for 2 cars at two different dealerships ; XXXX XXXX and XXXX XXXX. For whatever reason, they still had to do what they called a SOFT credit check which would not disturb my credit rating. These 2 soft credit checks do not appear on my XXXX report, but they do appear as HARD inquiries on my TransUnion report. They should not show on TransUnion and I would like them removed. Please help. Thank you! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX last 4 digits of SS # : XXXX
Consumer complaint received 2019-07-08
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. (UT)

I HAVE BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET XXXX SAYS NO GOOD PAYMENTS AND TRANSUNION DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.