davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (NM)

On XX/XX/2018 I went to the XXXX XXXX  and purchased a PayPal prepaid debit card and loaded XXXX  dollars on there. After getting the card I called and tried to activate it. I was transferred to customer service cause they said something was restricted. Once on the phone with customer service she said they she was unable to activate the card. I didn't understand why she couldn't activate a prepaid card cause it's money I put on there. Is this a possible scam? She went on to tell me that there's nothing at all they could do and would send me a check in the mail for the amount I put on the card. She never specified about the restriction or anything. I just want my money back.
Consumer complaint received 2019-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

Tried to submit a little earlier. Had password problems.This is the 2nd time in two months that I have been blocked by someone.I was sending $XXXX  to a friend in XXXX.  Yes I know them and have previously sent small amounts of funds.  Then in XX/XX/2019 I was blocked by someone thru Western Union, XX/XX/XXXXand XX/XX/XXXX counter on international wires.Submitted a complaint to Western Union and CFPB.  CFPB sent me a update on XX/XX/XXXX  Showed that I was not blocked by Western Union.I went to wire $XXXX to XXXX at XXXX XXXX in XXXX XXXX Texas this morning.Read out a refusal code of XXXX XXXX.Could not send funds as needed.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I called XXXX to dispute inquiries that are showing on my report. they are wrong. agent at XXXX told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

XXXX connected me to Quicken Loans after I completed a questionnaire for an Equity Line of Credit. Their system referred me to Quicken Loans in which the latter info page fraudulently states : " Dear XXXX, Good news - You could get as much as {$90000.00} from your home by drawing from the value of your home 's equity. 
A Home Equity Line of Credit is a revolving loan that's tied to a bank account or credit card. The cash is there for you to use when you need it. If you use it to increase the value of your home through repairs or upgrades, it can become a valuable long-term wealth-building tool. 
Here 's what you can expect : Our Partner [ s ] listed above will soon be calling or emailing you in order to give you the expertise and guidance you deserve. Just answer their calls / emails or respond back on your own terms and they will help walk you through the process. You will be on your way to getting money in no time! '' Quicken Loans mortgage agent attempted to entice me to a cash-out refinance and told me Quicken Loans DOES NOT provide equity lines/HELOC.

In closing, five XXXX course provider experts in the education department " wrote the book '' on mortgages, and how important it is not to mislead the public. Quicken Loans continues with their shananigans and I am willing to provide a sworn affadavit. I hold a XXXX  XXXX ( XXXX XXXX ) and will be a solid expert witness should the need arise. Thank you.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report I was surprised to know I am a victim of identity theft and Social Security data breach and I found numerous accounts on my credit report that was not open by me also 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 # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 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 and also according to 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. And 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 XXXXThis 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 my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (GA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$4900.00} XXXX  XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I was a victim of identity theft when I was XXXX  in a XXXX XXXX. I have struggled with XXXX XXXX and when I am XXXX my information is compromised. My information has been compromised in these bureuas security breeches and the they fail to fully validate information and refuse to remove these items from my report, Instead the keep updated the system as open accounts when they have been paid and the file closed
Consumer complaint received 2022-10-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

How many times are you going to let them lie and falsify entrees into the complaint response platform. 

This is not a duplicate! 

This is not a duplicate, this company XXXX XXXX XXXX is breaking the law by falsifying its responses to complaints through the CFPB portal we are using at this moment to file this as I speak.. XXXX XXXX  has made several severe violations in the actions regarding to the violations and to the dispute process.. this is not a duplicate, XXXX XXXX has broken NC laws and Federal laws pertaining to 15CLet it be known to all that XXXX XXXX XXXX have perjured themselves again! ..A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law this complaint today I ask that XXXX XXXX XXXX answer the complaint I filed almost 3 months ago with regard to the damaging letter and quit lying on your responses to the federal government.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (RI)

The company know as " Block '', formally know as " Square '', reported over {$24000.00} of income to the IRS for the tax year of 2021. I have never had any business with this company. It is currently end of XXXX and I have been attempting to resolve this with the company since the beginning of XXXX. I have called them several times and each time they provide the same responses, " we don't see a profile in your name '' and " we'll research and get back to you. '' I have yet to receive any follow up from the company. 

I called again today and they said they would open a case for me, which I was in disbelief this was not done during XXXX of the numerous calls I've made to them in the recent weeks. 

I need the company to provide proof i don't actually have an account with them or used their services so that I can resolve the now {$8000.00} debt I have with the IRS.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (ME)

My town changed its property tax due date frequency from four times a year to two times a year. As a result, Carrington mortgage doubled my monthly property tax withdrawal when no change was necessary.

Ive spoken to Carrington Mortgage three times about this issue since XX/XX/23 when they first overcharged me. In all conversations Carrington Mortgage acknowledged their mistake and promised to adjust the monthly mortgage payments accordingly. As of XX/XX/23, nothing has been done to correct their mistake. Additionally, I have confirmed with the XXXX of XXXX XXXX that my taxes have not changed. 
I am concerned Carrington mortgage has every intention of overcharging me again on XX/XX/23. I am requesting that Carrington Mortgage adjust my mortgage payments back to the original amount and refund the excessive withdrawal made on XX/XX/23 plus interest. Thank you.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I withdrew XXXX in cash but the atm only had XXXX left. It dispensed XXXX and went offline ( physical BoA atm ) Called and opened claim because account showed XXXX withdrawn instead of the XXXX. 

Claim denied and the rep did not notate the account. Reopened claim and it was denied again with no evidence.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (PA)

CREDIT INQUIRY ON MY experian credit report that SBA XXXX XXXX TX recieved an application for an SBA loan due to covid relief. Application # XXXX for {$200000.00}. Spoke with fraud department, they cancelled the application, told me to file a dispute with experian, put freeze on credit, and file this with identitytheft.gov.
Consumer complaint received 2021-03-27
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. (NC)

I was " joint '' on an authorized user on an account that was my husbands. The account was included in his bankruptcy which should mean it is not on my credit because i did not file nor was i the responsible party. Experian refused to remove the inaccurate information
Consumer complaint received 2020-05-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-05-06
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. (NC)

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2024-08-24
Product: Credit reporting 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2019-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I previously notified XXXX XXXX XXXX XXXX on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-10-18
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: Santander Consumer USA Holdings Inc. (MD)

I have dispute all of the information Chrysler Capital has report and for good reason. My latest complaint CFPB Case No : XXXX returned results showing they are reporting false information and targeting me for financial gain. First let me state that Chrysler Capital never sent anything addressed to me about a repossession or sale and as a co-signer I should have been notified. I am attaching what they sent me and would like you to look into their falsifying the papers. First let me start by saying nothing was sent in my name until XX/XX/XXXX after car was sold. The address on first letter is correct but my name they left out the middle XXXX Second letter is a notice of intent of repossession and if you will note date is states XX/XX/XXXX. Address has 4 extra digits and they have XXXX XXXX XXXX next to mine and the street address is being spelled incorrect while falsifying these papers. It also shows Certified mail which I never received or signed for and they refused to provide this evidence. Please read the body of that letter the amounts and dates are not matching what they are saying, Third letter again 4 extra numbers and the address for XXXX is spelled correct but the Drive was left off. Again they state certified mail and I NEVER signed for that fake letter. Next letter date is XX/XX/XXXX and it to was not signed for and that date would have been 2 months after the so called sale. Next notice on XX/XX/XXXX I got regular mail and that address had a mis-spelling on this response but correct spelling on my physical letter I got in the mail. Then letter dated XX/XX/XXXX has street spelled wrong and not 4 extra digits. Last let me point you to the information in blue it shows XXXX XXXX instead of XXXX XXXX XXXX as the others stated. This company has me in fear of my life as they are reporting false information, destroying my credit and I am XXXX and have nothing yet they are targeting me after the fact of their damage. Again I am attaching their response through you. I need this off my records or I may have to go to court. Forwarding this to Chrysler Capital will allow them to change their papers but I have forwarded it to 3 places and printed one out for my safety and placed in a safe.