davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2021-01-29
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2019-08-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a credit dispute with several credit reporting agencies regarding errors on my credit report I have submitted several disputes and sent documentation to the bureaus and requesting them to provide me with documentation showing proof that the negative accounts reporting on my credit report are valid. I submitted a dispute on XX/XX/2019, XX/XX/2019 andXX/XX/2019 to XXXX, Equifax and XXXX. None of the bureaus did a fair and reasonable investigation, instead choosing to do an automated verification through the computer system. 

They are reporting a negative account of {$400.00} and an account of {$250.00} on my credit report and refuse to give me any supporting documentation to prove these debts and this is affecting my ability to obtain credit, get better employment, my financial goals and the ability to start a business. I disputed the accounts directly with the two creditors and one sent me a letter stating they are not obligated to show me proof which is a violation of my FCRA rights.
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance to the fair credit reporting act XXXX  account XXXX XXXX XXXX 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 states a consumer can not furnish an account without my written instruction
Consumer complaint received 2020-01-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I sent detailed complaint letter to CFPB on XX/XX/XXXX and again on XX/XX/XXXX detailing along with my Certificate of Deposit ( COPY ) that USAA Absorbed my. CD held as Collateral in the event I did not pay the balance the Full Balance Due on the use of a Secure Credit Card. I Paid all of the Owed Balance my Credit Score did not fluctuate on the basics of me not paying USAA back on my use of the Credit Card and When I Said Close the Card Account and return my Over XXXX CD back to me USAA Did not Comply with my request and I still have the Certificate ( COPY ) sent to ( CFPB ) ON XX/XX/XXXX. With an address in XXXX XXXX of USAA Savings Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX Date of Notice about the same before time on and of my request to Close use of the CD from XX/XX/XXXX to XX/XX/XXXX this is now XX/XX/XXXX. XXXX XXXX issue date XX/XX/XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX my Phone XXXX.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My Debit card is been compromised multiple times over the month, someone is purchasing with my card even right after I activate my card or right after I use it in some stores/grocery near my house.
Consumer complaint received 2018-03-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debit collector 's name is Portfolio Recovery. They have periodically been contacting me via mail or by phone to collect a debit that is over 18 years olds. They are past the statue of limitations and this debit is not even showing on my credit report any longer. Today I received a call at XXXX, the rep told me i am on a recorded line and asked for me by name. I ask " who is this '' they only told me there name. Then i asked " from who? '' Then they told me from portfolio recovery. They call every few months or so and also send a letter maybe one or twice a year.
Consumer complaint received 2018-03-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

XXXX Money Transfer ( Western Union ) I did a money transfer to XXXX XXXX, after several times, the money never cashed there. During this period the Company XXXX answers my questions, but they never resolved the problem. 

I asked for my money back, and they said only in the same Agency I sent the money. The same Agency in XXXX refused to give me the money back, only another Western Union Agency. I went to the New Agency and they said didnt get the money, and then I went to the original Agency in XXXX and they refused again. During this process I was calling all the time customer service people, but everyone gave me wrong information. 

After waiting, I spoke with a supervisor and he said the same. They need to contact the Accountings department to get my money back : 7 days waiting.
Consumer complaint received 2022-06-10
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CA)

Paypal Synchrony bank claims I had an account with them, a line of credit. When I login to paypal it is not listed, and has not been for a long time. out of nowhere, I recieve a call from a collections agency. I find out the debt originated with paypal synchrony bank. I called them and they said they had a wrong address, and so they charged off the debt. However, I was not notified in writing, email, or phone call that I had an open line of credit, or that I owed money. When I asked paypal about this, they said they didn't know why they didn't try to call or email me. I am signed up for digital statements and they have my phone number.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDMAN SACHS BANK USA (NV)

XXXX XXXX reported me late in the month of XXXX and XXXX when in fact I contacted chase and made both payments over the phone before the due day then after payment was behind chase contacted me and told me that received an erro code when they tried to process the payment. My thoughts are if a company is having a hard time collecting a payment from by bank I would think they would have contacted me sooner with the information thats why I wind up making two payments. this is not my fault. 

Apple Card is still charge me for payments that are not mine and on payments that has been refunded. Then XXXX  reported me late when I was informed that all payments would be paused.
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (MD)

I've explained to the previous debt holder Resident Collect, Inc.. several years ago the debt in question isn't mine ( XXXX XXXX ). Resident Collect continued to send me collection notices. I told them that I never lived in XXXX XXXX XXXX located in North Carolina. I went so far as to file identity theft. 

Today I received the same bill from Innovative Recovery , Inc. from the same address as Resident Collect for the same amount and for the same creditor XXXX XXXX XXXX XXXX 

This collection process has been going on for over 7years XX/XX/2011.
Consumer complaint received 2018-03-11
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. (CA)

I started an investigation to dispute inquiries on my Equifax Credit Report. They initially sent me a confirmation email stated they started the investigation. Two days later, they deleted ALL of my inquiries ( which was exactly what I was expecting ). However, the next day, I called them because they also deleted over 30 of my paid accounts in good standing. The representative told me he would fix the problem and would add all of my accounts back on my report. The following day, I woke up to ALL the inquiries being reinserted back on my report. 

Its been 5 days and they have NOT notified me that they reinserted those inquiries back on my credit file and the reason behind it. If they had just removed ALL of the inquiries, why then AFTER I called because they made a mistake and removed positive accounts, did they reinsert the inquiries??? 

Per the FCRA 611 section B ii- the credit bureau must notify me within 5 days of a reinsertion of an inquiry to my credit report. They did not. I am submitting the proof of email, all deleted inquiries and reinserted inquiries, in addition to the FCRA guidelines.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (TX)

I am submitting this request about the inaccurate account on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX,XX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, are all unauthorized and 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 2019-08-27
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. (NY)

XXXX XXXX acct XXXX I have written to the credit bureaus to investigate a late payment that XXXX XXXX is reporting on my credit reports. Now, to my understanding the credit bureaus and XXXX have an obligation to conduct a complete investigation into this issue and fix any errors. 
XXXX XXXX is reporting a LATE payment of 30 days on my credit report when I was NEVER late on this mortgage. 3 months after closing on my home, XXXX apparently sold this account. I had automatic payments set up from my checking account and have never missed a payment. Looking at my credit report, there is a 30 day late reporting that should never be reporting. Under section 1681i of the fair credit reporting act, I requested this issue fixed and still nothing. I am writing to CFPB to help resolve this issue before I retain council and take this to court. I am suffering financial and reputation harm from this error.
Consumer complaint received 2021-12-06
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXX Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX  XXXX Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (SC)

On XX/XX/year>, I went to login to my Marcus account and got the message- " your account is temporarily locked, call customer support ''. I called the number provided, thinking maybe I just needed to verify some information for security purposes. When I finally got connected, they said my account had been closed! I have a large portion of both my personal and business savings in the account, so was very alarmed at the news. I repeatedly asked why my account was closed and how I would receive my funds? They would not give me a shred of information of why the account had been closed, simply repeating that it was within their right. I asked how I would receive my funds. They said I would receive a check within 7-10 business days and would provide no further details. Despite multiple questions, all I got was " If you don't receive your money within 10 business days, give us a call. '' I asked " within 10 business day of the account closing or 10 business day of my call? '' They stated that it's within 10 business days of my call. So who knows how long my account had been closed. I never received warning or even a notification that it was closed. So apparently they just decided to close a multi-year account and hold my money until I happened to attempt a login and noticed. I can't even check my balances to make sure the amount they send me is correct. Since the the initial encounter, I have called several times and they keep changing the timeline on when I will receive my funds. I also requested my funds to be ACH transferred back to the accounts I initially deposited them to. I emphasized that I didn't want them to mail the majority of my savings in a check format, but they refused and said a check was the only option. I want my money back from this dishonest company! Since it happened to me, I have done research and read many similar scenarios of Marcus holding people 's funds recently.
Consumer complaint received 2021-12-06
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2018-10-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio recovery has contacted me at work threatened sue me for old debt from year 2000. This has passed statue of limitations in CT and any other states. They have been told not to contact me at work they do it anyway. Call me on my cell again XXXX XXXX today about sued me in court. what's so funny is debt was with capital one and they said debt was expired. They we're no longer collect on it and even offered me credit card. Plus I see the state of XXXX has sued them for millions.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (NC)

On XX/XX/23 I left a voicemail requesting that the company verify their name, address, and professional license number before proceeding to discuss a debt. 
The representative who called me back falsely alleged I owed over $ XXXX and refused to provide a professional license number with which I could verify their legal standing to collect debt in North Carolina.
Consumer complaint received 2020-11-22
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. (TX)

I have an account from XXXXXX/XX/XXXX XXXX on my transunion report. I sent a validation letter and didnt getting anything confirming that it was me. I would like this account deleted. It does against the FCRA because they didnt verify the debt. I will attach what was send for validation.