davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$410.00} XXXX/XXXX XXXX {$420.00}
Consumer complaint received 2020-07-17
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 have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX
Consumer complaint received 2020-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

My account was frozen and a reason wasnt given. The only form of communication is through a email which also illegal. They have a customer service number but once you call it, it tells you that they are not open for business but are still accepting consumers business. After they froze my account for no reason or notification, once you send an email to them, they tell you it will be resolved after 7 days. There was still no resolution in 7 days as of why i am sending a complaint for deceptive business practices. No one should be handling finances and can not be contacted per FTC.
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I have a transaction made through paypal that's not coming from me. 
I dont know anybody who are living in DE. 
I made a research about the website and its very expensive sunglasses. 

I told Paypal about it and they answer that nothing is wrong with this transaction. 
I need help Seller info XXXX XXXX XXXX XXXX XXXX : XXXX Transaction ID XXXX Invoice ID XXXXXXXX Purchase details XXXX  - XXXX XXXX XXXX XXXX to MY NAME " Address '' XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX United States
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed incorrect addresses and incorrect employer. Listed on my credit report is XXXX company as my employer and I HAVE NEVER worked for XXXX as a XXXX XXXX HOWEVER- I had a roommate who used to work for XXXX XXXX Somehow that employer ended up on my credit report as verified the same month and year XX/XX/18 that we applied for a car loan. I have disputed the information and they refuse to remove it. 

There are several incorrect variations of my address listed on my credit report. I have communicated the incorrect addresses and they will not remove them. 

This incorrect information causes lenders to doubt / deny my applications for credit due to the employer and line of work is not matching and the address not matching. 

IF I NEED TO BRING LEGAL ACTION AGAINST TRANS UNION, I WILL. This incorrect information causes lenders to doubt my applications for credit.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXXe , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago
Consumer complaint received 2015-07-09
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Risecredit, LLC (AL)

RISE Credit of XXXX XXXX, TX ; fraudulently opened an internet account in my name. I did not apply for, nor did I participate in the proceeds of this fraudulently obtained loan. In seeming violation of Federal CIP standards, RISE Credit did not obtain a picture ID nor the copy of any complete, official ID document before they made the loan. This incomplete investigation has now resulted in the fraudulent loan in my name. The driver 's license number they did obtain was not my license number and they failed to obtain the issue date and the expiration date thereof anyway. For all I know, they may have absconded with these funds themselves and are foisting this loan off on me to cover their financing of XXXX or XXXX. 
RISE Credit did not attempt to contact me in writing, concerning this account before they started their " blind '' robo-calls. The email account RISE Credit stated was given in support of this credit application was not my email address and they failed to validate this information prior to disbursing the funds they claim were given to me. RISE Credit evidently relied solely on personal information freely available to anybody through a XXXX or similar search. I had my husband spend over an hour tonight speaking with RISE Credit on my behalf and am now being forced to take time away from my professional practice to " defend '' myself against a fraudulent account opened in my name because of their shoddy CIP practices and incomplete investigation. 
This situation is causing me great angst and anguish, not to mention lost billing from my professional occupation as I now take time to comply with all their unreasonable demands. RISE Credit seems to exhibit an overly cavalier approach to the federally mandated Customer Identification Protocols. I demanded that they close that loan, remove my good name and insure the credit reporting agencies have removed the disreputable name of RISE Credit from my record lest other legitimate entities find that squalid moniker on my good credit record. They have been placed on official notice that this account was obtained by fraudulent means. 
In support of performing the onerous tasks they demand be undertaken by an innocent fraud victim before they acknowledge the obvious, I have requested they immediately remit copies of all credit application data, credit reports obtained, proof of all identification attempts made, all checking account information where the loan funds were disbursed, and all records of their contact with the real applicant. I also requested they provide and explain the relationship of the agents or proxies used to obtain my credit information without my consent or any proof of permissible use, in direct violation of the Fair Credit Reporting act.
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I went into Bank of America to open a checking account, due to having a new job that requires direct deposit. When I attempted to open the account, XXXX of Bank of America at the XXXX location, informed me that I could not open an account due to my social security number had been used to open an account already. The only other information she had provided me with was that the birthdate used for the account was a day off of my birthdate. I have never opened an account at this bank. I have only ever had an account with XXXX XXXX, and that account has been closed for over a year.
Consumer complaint received 2020-07-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (PA)

On XX/XX/XXXX via an online site, I took a payday loan from XXXX in the amount of {$600.00}. This loan was las reported on my credit report on XX/XX/XXXX. On XX/XX/XXXX, this loan has resurfaced on my credit report through Midwest Recovery in the amount of {$1500.00}. I am uncertain but based on my research I am understanding that " it is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. '' I believe this may be the case. But, I am requesting your review of the matter. This account has appeared on my credit report on XX/XX/XXXX. THIS DEBT IS 9-10 YEARS OLD.
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

I made my monthly payment on this car loan. The payment was accepted and cleared. Then later i checked my bank account and the money was returned. I immediately paid the payment again. I tried calling customer service and i couldn't get any agents on the phone. I am not sure why they reported me late on my credit report to the credit bureaus. I also had deferred 3 monthly payments to the end of my loan in XXXX. So its not possible that i could have been late when they were differed to the end of my loan. This is outrageous i am so mad about this late payment hurting my credit reports.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am sending this complaint to all three Credit Bureaus ( XXXX, XXXX, and Transunion ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XX/XX/XXXX ( XX/XX/XXXX ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XX/XX/XXXX complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

There is already a pending complaint regarding this transaction. The bank has assessed me yet another fee on top of the last fee I complained about - which should've never been assessed in the first place. 

See the attached PDF. According to my balance history, when XXXX tried to debit {$64.00} on XX/XX/2018, my balance was XXXX. 

Instead of allowing the debit to occur, the bank rejected it and then assessed a {$38.00} NSF fee. 

I tried to resolve this with the bank directly and they claimed I'd already received two " courtesy '' refund of bank fees.. 

The problem is those fees were caused by a transaction I didn't approve, and subsequently disputed. Thus, those were not " courtesy '' refunds. They were necessary. And when that dispute is completed, I anticipate getting back 2 more {$35.00} overdraft fees from BBVA. 

But regarding this particular complaint, per the attached, you can see the bank assessed yet another {$38.00} NSF fee on top of the first one, which should've never happened in the first place.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XX/XX/XXXX I was notified that there was a hard inquiry from XXXX XXXX on my report. 
I called XXXX  XXXX but they said they could not see this inquiry because there was ANOTHER account under my social, with a different name, that had been sold to collections.

I called transunion and they said they could not help me unless I had an inquiry delete letter from XXXX  XXXX. 

I called XXXX  XXXX back and they told me the same thing again. They could not help me and this is the credit bureau 's job, they don't have time to do this. 

In the meantime, I looked up the application on XXXX XXXX XXXX  website and did see that the application is in process. I got an application number.

I called transunion again and they recommended I file an identity theft report and get a letter from them to send to XXXX  XXXX. 

I am not understand why I was able to pull the application for the new account right from their website but they could not see anything and refused to help. 

I am worried someone I know is using my information and I would like to know how to get more info on this credit inquiry or at least, what state it was done from.
Consumer complaint received 2021-03-01
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. (AZ)

XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Afternoon, My name is XXXX XXXX I am writing this email to report harassment from credit card dept collectors. I have credit cards from Capital one and XXXX XXXX. Unfortunately due to the time we are in with with Pandemic, i have been falling behind on my payments. I still manage to make my payments even tho i make them late. I am currently unemployed. I was laid off from my XXXX position over 8 months ago. I have been receiving tremendous amount of calls day and night from insane amount of different numbers. It is so overwhelming the amount of calls i get in one day, most times up to 5 calls within 10 minutes non stop. I have to leave my phone off though out the day because this is causing me XXXX. I believe i have enough XXXX from dealing with my sickly mother, no work and figuring out which bill i get to pay first with the little we get from unemployment. I can NOT pick a credit card payment over food or electricity bills.These companies are doing this to other people i know as well. I understand it its their job, but there is a limit. I will leave the different numbers below. As well as screen shots of all the calls i get. I hope there is something that i can do and/ or that you guys can do for me to help with these companies. people fall in more depression and anxiety with this pandemic, It is hard enough with these hard times for them to make it worse. I would appreciate it immensely if you would email me back at XXXX. Best regards and thank you. 

Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Unknown callers ( private numbers )
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Im being charged private mortgage insurance even though I have long since brought my loan to value under 80 %. Im being charge {$75.00} a month Ive contacted the company twice about stopping this charge and they have refused. At this point I have over paid {$1500.00}
Consumer complaint received 2023-02-07
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-25
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. (NV)

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.
Consumer complaint received 2020-07-17
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 trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.