davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
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)

FRAUDULENT NAMES : XXXX XXXX, XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX XXXX NJ XXXX FOR THE ACCOUNTS I HAVE ATTACHMENTS
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (TN)

XX/XX/XXXX I had a chance to review my XXXX credit report via XXXX XXXX.On it I noticed an error. I saw that I had a Jared account on my credit report in which I do but it is not the right account infromation that is on my actually Jareds bill. I disputed several times by certified mail due to this incident and sent it to XXXX. XXXX says its right then says that Jareds has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called XXXX and Jared to correct the account information. My Jareds account number is XXXX. Yet the XXXX account still remains.
Consumer complaint received 2018-10-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMPQUA HOLDINGS CORPORATION (WA)

I recently had a 17 mo. CD mature on XX/XX/XXXX. I received a letter informing me of the maturity date sent XX/XX/XXXX.., I received this letter while I was out of town. after returning I saw the notification of maturity but didn't read further to see the notice of automatic roll over to an 18 mo. CD with a new maturity date of XX/XX/XXXX. Today, 1 day after a grace period ended I was looking over my banking mail and read this information, it took my breath away, I was not aware of the automatic roll over policy and was never verbally told this. I now have an unwanted 18 mo. CD with the amount of {$250000.00} at 0.5 % which I never formally signed up for. I am continuing to try and resolve this with the bank but have had little consideration. They will charge me a XXXX penalty to withdraw, I feel like someone stole my money and I'm being held hostage. I feel this automatic roll over policy is very unethical. I had another CD mature with my Credit Union and when it matured they put it in my money market account so I assumed that was how this was handled. I do have other accounts with Umpqua Bank, XXXX XXXX. WA XXXX so the funds could have been moved there. Hoping you can advise me how best to resolve this issue.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (AZ)

This company ( Sequium Asset Solutions ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$210.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANKERS HEALTHCARE GROUP LLC (NC)

I was approved for a credit card. Received letter and email of credit limit. I was opening it up for my business but they said they needed to check my personal credit. I then receive the card and try to activate it. 

Calls the company several times to find out that they closed it because the person that approved me. Called the company for about a month straight to get answers. Kept getting sent to different departments. I asked for corporate never was. I told them all I want is for them to remove the inquiry on my personal report. I don't want the card because now I believe this is fraud. 

They were suppose to send me a letter explaining till this day. I still haven't received it.
Consumer complaint received 2021-12-09
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 ()

Good day im XXXX XXXX XXXX, XXXX account number XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX city, i've been transact with my customers on XX/XX/2021 amounting XXXX and then he will pay me thru paypal, suddenly paypal send me an email to put on hold with my money for several days. And later on paypal will freeze my money for more than XXXX. My paypal linked my gmail. XXXX XXXX
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have notified Experian Inc, that XXXX XXXX  XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX has opened an account with a balance and monthly payment. This exact account is factually listed as a closed account. This duplicate account also listed that Ive recently made a payment, which I have not. I have disputed this account with Experian Inc twice, and they refuse to remove this account from my credit report.
Consumer complaint received 2018-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I enclose copies of my requests to the collection agency Portfolio Recovery Solutions asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to the three Credit bureaus. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here.
Consumer complaint received 2021-12-09
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: FORD MOTOR CREDIT CO. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. FRD MOTOR XXXX is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( FRD MOTOR XXXX XXXX )
Consumer complaint received 2018-03-05
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)

Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and XXXX removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2018, I added my PayPal business debit card to my XXXX   account. The card was incorrectly classified as a credit card and was subject to a 3 % fee for payments. 

The response from PayPal was, " I'm not sure why the Business Debit MasterCard is labeled as a credit card on XXXX. This card does not have any kind of credit line associated with it. '' However, the response from XXXX  by XXXX XXXX was unreasonable, " Based on the first 6 numbers of the card, Mastercard is classifying it as a credit card. We can not change this as we are not doing this. ''
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (GA)

I received a credit card from Comenity Bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for which I never applied. I contacted Comenity and XXXX XXXX directly on XX/XX/XXXX and reported as fraud and they began an investigation as the account was opened on line and already had a balance of {$300.00}. I also pulled a credit report and it is listed as a new account as well. I placed a freeze on my credit with all three credit bureaus. This new account has resulted in a decrease in my XXXX score. I normally wouldn't be concerned, however, I am in the process of applying for a mortgage. I need this to be corrected asap and for this to be corrected, recorded as fraud and removed at all three credit bureaus. Thank you for your help in resolving this matter. 
XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.
Consumer complaint received 2020-11-05
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. (TN)

I show a bankruptcy on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I have disputed with documents numerous times and this is affecting my credit
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter.

Sincerely XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I closed my account with Wells Fago 3 years ago. I kept having fraud done on my account. I had my card changed 5 times due to this and the last time it happened I went into the branch and went to the counter to take my money out and close my account and had all my information and they wouldn't let me close nor give me my money! But just 10 minutes before some one had taken my money through fraudulent activity. I had to wait to get my money and close my acount.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Im submitting this complaint against PayPal. I am at XXXX  host and was sent {$2400.00} on XX/XX/XXXX to my XXXX PayPal. I tried to have the funds instantly transferred and they needed to verify my identity. I submitted my drivers license along with a scan picture of my face. They then sent a message saying that they were having technical issues. I called they asked me to connect the bank account thats connected to my debit card. I did that. They said it would take 24 hours. Now theyre saying it will take up to 72 hours and they will send me a message to let me know if theyre going to transfer my funds or not. I believe they are illegally holding my funds and Ive called twice and they keep on giving me the runaround.
Consumer complaint received 2018-03-05
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. (GA)

This company has inquiries on my credit report for services that I did not request of them. 
I have never heard of this credit union before nor have I ever gave them permission to pull my credit.
Consumer complaint received 2024-02-26
Product: Credit reporting 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)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX/ XXXX XXXX ) # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (UT)

Requesting more information on the denial as it stated due to prior existing Discover account. I have no knowledge of an existing account or prior account balance that would cause a denial of future products. Therefore, I need clarity and information on this alleged existing account.
Consumer complaint received 2021-12-09
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. (CA)

I CURRENTLY HAVE AN OPEN ACCOUNT WITH THEM IN GOOD STANDING. 
I HAVE NEVER BEEN LATE HOWEVER THEY ARE REPORTING A 30 DAY LATE O TO THE CREDIT BUREAUS BACK IN XXXX OF 2019 I HAVE TRIED MULTIPLR TIME TO GET THIS RESOLVED BUT THERY ARE REFUSING
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

I was told my account would be closed in XXXX never got closed. Was told something different never could get my funds out. Had to go with out many times and can not get my funds out. Had to pay my worker and couldnt do that.
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This is frustrating because I know this would have a negative effect on my report as well as making it harder to deal with credit transactions not to mention it will take more time to do so. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). And obviously, I want it to be taken care of.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (CA)

On XXXX 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 im 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 well 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 caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (SC)

My loan was transferred to a new mortgage servicer ( Planet Home Lending ). I had to get my property taxes revised in XX/XX/XXXX and sent the updated tax bill to my previous lender. In XXXX, the loan was transferred to PHL. I called PHL on XX/XX/XXXX and asked if my property taxes had been paid and if they got the updated tax bill from my previous lender. I was told the taxes were paid and they had gotten the bill. I received an escrow analysis letter in early XXXX and the analysis was based on the incorrect property tax amount and it showed my property taxes had not been paid. I have called XXXX times since the beginning of XXXX and have been told multiple times that they were still working on my requests to have the taxes paid through my escrow balance. I was told on XX/XX/XXXX that my request had been escalated and to call back XX/XX/XXXX for an update. I checked my account and my taxes have not been paid. Im not sure what is the difficulty or the delay, but the longer they wait, the higher the penalties will be and I am NOT paying any penalties because PHL failed to pay the taxes in a timely fashion.
Consumer complaint received 2020-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BlueChip Financial (CA)

I applied for Spot loan and they approved me. They told me to wait up to 3 days and I did So they told me to send in my ID and Pay stub and I did as I was told to do. They told me to wait up to 2 business days and did. I have not received no funds from Spot Loan & I send them a email & NOTHINGG! They scam me for my social and all my personal information.
Consumer complaint received 2021-03-02
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: LD Holdings Group, LLC (AL)

I sent XXXX  a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from Loan depot. They came back and said that didn't have sufficient information to dispute.