davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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. (MD)

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXX- {$630.00} account no : XXXX XXXX. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Consumer complaint received 2018-02-16
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. (DC)

I checked my personal credit report, which I received through my report on XX/XX/18 XXXX XXXX and I noticed a number of unauthorized inquiries on the report and some are duplicates. 
I contacted XXXX XXXX  ( 3X ), XXXX ( 3X ), XXXX ( 3X ), XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 3X ), XXXX XXXX ( 2X ), XXXX ( 2X ), XXXX ( 2x ), XXXX XXXX, XXXX XXXX ( 2X ) XXXX XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit profile. These inquiries should only be appearing once if they are in fact valid. 
I request that you initiate an investigation into all of the above inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my disputes to be valid, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2022-05-01
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. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter as well to XXXX XXXX XXXX mailed certified XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from XXXX XXXX XXXX  are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NV)

I have a over drawn charge from purchase at XXXX  for {$93.00}. So got charge {$34.00} fee. Payment can thought from XXXX of {$21.00} got charge another {$34.00} so before that day was over put the money in for that fee. I still got charged a fee of {$34.00}. I called told she I payed the amount that was charged and she said still get a fee. Because its not all payed off. I told her that wasnt fair. To charged me just because the whole amount not payed off. She that the way there do there fee. I told them that not right to do customer like that.
Consumer complaint received 2018-02-13
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: Bread Financial Holdings, Inc. (FL)

Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.
Consumer complaint received 2020-06-03
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 trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXXXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}
Consumer complaint received 2018-02-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NJ)

I purchased XXXX XXXX XXXX in XX/XX/2013, the car was valued at {$20000.00} before my down payment. I had the car a total of 5 years, towards the beginning of the 5th year the care was repossessed and determined that I still owed {$15000.00}. I spoke with a rep who sent me over a break down of payments. All but 5 payments went to principle only. As of today the car is still repossessed however the bank now sates that I owe {$17000.00}. After speaking to someone to determine why the balance was still so high, she stated that she didn't know. I do not agree that all the money I have paid over the past 5 years should not have gone towards my principle.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-10-19
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. (KS)

I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to transunion and XXXX  and they have not updated XXXX  since XX/XX/2019.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MA)

It has been a week since most customers have been able to access their accounts online. PLEASE PLEASE tak a look at TD Bank 's XXXX feed, or XXXX XXXX XXXX. They refuse to even mention it on their website, continue calling it an intermittent outage when in fact it has been down for a week since they rolled out their new website. Phone calls are placed on hold for over an hour before you have to hang up. They tell you to Direct message them and then do not respond. How can anyone trust the security of this bank when they can not give us access. This is a huge widespread outage that they refuse to recognize and someone needs to step in, force them to roll back their site to a week ago. Please just take a look at the complaints. Should never happen, and their refusal to admit this is serious is reprehensible.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/2020 my uncle had sent 3 payments to my paypal account for my XXXX and XXXX treatments. Not even 1 minute later someone withdrew these funds so I notified paypal and they quickly put the funds back into my account from their own bank. Then after putting the money into my account they blocked my account and said i was no longer able to use PayPal again and my money would be held for 180 days then released. It is past that 180 days, i have contacted Paypal several times and they just say that they have no reason why i can not access my funds because it should have been released. I have told them I am expected to XXXX  less than XXXX month due to my XXXX XXXX being to far gone and they still say no one in the company can give me reason why they havent released my funds. Its like they are just waiting for me to XXXX. I need this money to help pay for my XXXX expenses. If there was an issue from the beginning they would not have used theirXXXX XXXX to return the funds to my account so I dont understand. I have emailed and phoned PayPal several times and they will nit explain it because they all say I should have these funds. Just keep waiting they say. I do not have time to keep waiting I do not know what to do Im sorry but this is difficult enough without fighting for the money that was sent to me to help keep me XXXX a little longer. I shouldnt have to be going through this. My family cant contact them because paypal refuses to speak to them so like I said i feel like they are just waiting for me to XXXX  and that is horrible.
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states 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 30 days so these items should be deleted properly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this entire ordeal has 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 2021-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of fraud. Bank of America is calling it a scam. I requested the documentation they have and used to make their decision many times, it is not forthcoming. I also asked where and to who my funds were sent, so I can file a police report, to no avail. I was a victim of a XXXX transfer, that I did not imitate and was told by customer service that the transfer could not be stopped when I tried. The person who defrauded me answered my phone call, the number that customer service at the bank gave me. For months, since XXXX, Ive been requesting the information that I need to file the police report and the documentation the bank used to arrive at their decision, to no avail. BOA is acting XXXX  and possibly XXXX according to banking regulations.
Consumer complaint received 2021-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX Kohls Department reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (LA)

High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by credit grantor, XXXX saying its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (VT)

Lexis Nexis is reporting that I filed XXXX claims with my insurance carrier between XXXX of 2018 and XXXX of 2018 ( a three-month window ). This information is false, inaccurate, and damaging, and has prevented me from being able to shop various insurance carriers to get competing rates for homeowners coverage. 

I attempted to reach a Lexis Nexis representative yesterday and today. I have navigated through numerous automated prompts and wasted significant time only to be unable to reach any live person or receive any information relevant to my current issue. I also emailed Lexis Nexis but the address to which I sent my inquiry does not appear relevant to the dispute at hand. 

The erroneous report should be corrected immediately.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I have reached out to this company two times with a request for validation and I have yet to receive any correspondence in regards to the alleged collection account on my file. I have been able to resolve every other account, however, they will not respond to any of my debt validation requests. I have reached out to them on the following dates XX/XX/2021, XX/XX/2021.
Consumer complaint received 2022-05-01
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-30
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. (PA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off XXXX XXXX XXXX XXXX {$1800.00} XXXXXXXX  XXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (KY)

Fair Collections and outsourcing agency have sent letter to me attempting to collect a debt that is not owned by me. I have notified them and let them know they are a third party attempting to collect a fraudulent debt. I have sent them a copy of FTC report. I am by no means going to tolerate them bullying me into taking responsibility of debt that is not owed by me. I have told them to seise all communication and attempts to collect debt not owned or I will take legal action against them. This collection agency is in complete violation of Fair Debt Collection Practices Act.
Consumer complaint received 2019-08-28
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. (WA)

XXXX, XXXX and Transunion are willingly and purposefully lowering consumers scores and affecting personal credit files. They have been found guilty many times for this fraudulent behavior. This has to stop. I had perfect credit history for 5 years and they dropped my score by 200 points for no good reason. How is the public sector supposed to pay into the system or finance anything with this corrupt fraudulent activities going on?
Consumer complaint received 2019-10-22
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX**** ; XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX** and XXXX XXXX ( Original Creditor : 12 XXXX  ) XXXX** ;
Consumer complaint received 2021-11-30
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiry has not been given any attention by Transunion Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Transunion XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/2020