davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (VA)

I am writing this letter because I reviewed my credit profile, and I am a victim of identity theft and the accounts, inquiries and personal information I listed in attached report I did not authorize or does not belong to me. I have mailed a letter directly to the credit bureau over 30 days ago and I have yet to receive a response. Since I did not receive a response from the credit bureau in accordance with the Fair Credit Reporting Act, I am now reporting my identity theft through the Federal Trade Commission and CFPB which I included my Identity Theft Affidavit.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have contacted Experian several times regarding inquiries that I didnt initiate. I would like for these inquiries to be removed and I would like proof of the inquiries listed below. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

In XXXX, i applied fro and received a " XXXX XXXX '' Barclays Mastercard branded by XXXX XXXX. I have a Ietter from Card Services of Barclays Bank Delaware acknowledging receipt of my application dated XX/XX/XXXX. 

I canceled this account in XXXX. However Barclays subsequently simply changed the account to their own branded account and have been charging me an annual fee of XXXX dollars ( {$39.00} USD ) ever since. This despite the fact that the last physical credit card they sent me carries an expiration date of XX/XX/XXXX printed on the front, remains attached to its issuing paper and has never been activated. 

BarclaycardUS collected latest annual {$39.00} fee by direct withdrawal from my bank checking joint account on XX/XX/XXXX, according to my bank statement. 

I never asked for nor applied fro a Barclaycard account except as described above, and believe that this continued abuse represents the same kind of false and unauthorized account creation seen at XXXX XXXX over the last few years. 

My attempt to pursue this matter directly with BarclaysUS through their website today failed because BarclaysUS does not even recognize my credentials to log on to the site.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (OR)

I called XXXX to place my card as lost. I don't know where my card is and need a replacement. After 1 hour 24 minutes supervisor told me that my address had not been updated and that I would need to call back in 8 days to request replacement card. I advised representative/supervisor I called and updated address over a year and half ago and would like confirmation of our phone call. Supervisor XXXX employ ID XXXX stated he isn't authorized to sent confirmation of anything about card. He then stated he would send information through mail but it would go to old address. He then proceeded to tell me they have no ability to send information or confirmation of transactions to customers. This is unfair business practice of waiting for almost two hours then to be told the original address change never took place and a second call would be needed to replace card. Advised supervisor I need verification of this phone  call to ensure this card is deactivated. He stated he can't send this information. Asked for address : XXXX XXXX  XXXX XXXX, Florida XXXX is address was provided. Customer service through this bank is the worst I've ever experienced. I've requested card to be deactivated and will not use this bank or refer this bank in the future. Unfair business practices to consumers. Refused confirmation of any call or change completed after over an hour on the phone.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Made a dispute with Transunion on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX TransUnion TransUnion Consumer Relations XXXX XXXX   XXXX XXXX, PA XXXX XXXX : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 

I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : XXXX XXXX XXXX  # XXXX This account is not mines XXXX XXXX XXXX   # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy
Consumer complaint received 2022-11-17
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Card was charge off XXXX of XXXX and as of XX/XX/XXXX USAA is still running inquiries into this charged off account. This account was sent to a debt collector ( XXXX ) and when contacted, they stopped all activities and sent the account back to USAAI will have a complaint on them in another filing. 

Pursuant to 15 USC 1692c ( a ) ( b ), 1692e ( 8 ), 1692b, 1681i, i, XXXX XXXX XXXX, beneficiary am being subjected to custom and usage practices of USAA and injury has occurred.

Furthermore, pursuant to 16 CFR 433.1, 433.2 and 433.3, this was supposed to be an open-ended account and USAA failed to notify me of this or perform in this manner since the account inception in XXXX.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (FL)

On XX/XX/ I deposited approximately XXXX XXXX in the Kraken exchange I have had my account for more than 1 year and have completed all of the verification levels. 

My deposit is listed as " on hold '' and my withdrawals are suspended. 

I created a ticket to deal with the problem. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. ''
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC (MI)

Jefferson Capital Systems claims XXXX XXXX phone account in Oklahoma from 2013. 
Ive only lived in Michigan. 
This is past the 7 year time limit for Statue of Limitations as well.
Consumer complaint received 2023-02-15
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. (MI)

There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/2020 I requested a forbearance to my mortgage due to Covid-19 issues, I was granted 90 days ( XXXX-XXXX ). I satisfied my forbearance payments along with current mortgage payments in XXXX and XXXX. On XX/XX/2020 I received notice that my forbearance period had ended, that I was current on all payments and had satisfied terms of forbearance. 

I'm in the middle of refinancing my property which Shellpoint Mortgage holds today. I requested the payoff amount and their showing a debit in the amount of {$6100.00} which should not be there as I'm current. I had a scheduled phone call with XXXX  XXXX on Monday XX/XX/XXXX at XXXX PST where he was to call me. I never heard from him so started to call him unsuccessfully. After many attempts, I did get his voice mail and left a message but have yet to hear back. 

I need this Pay-off corrected so that I can close on my new escrow and per the various people at Shellpoint, XXXX XXXX is the only person that can do this as he's assigned to my mortgage.
Consumer complaint received 2020-09-01
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)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-09-01
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. (NY)

the accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-20
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. (MI)

Transunion was notified on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of these inquiries. Transunion was submitted the dispute and the police report, i also called them on 4 occasions to notify them. They have refused to remove these fraudulent inquiries. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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
Consumer complaint received 2022-04-26
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. (NC)

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, 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates (MD)

XXXX XXXX has two companies on my report under collections looks like for one account. Ive never used XXXX I had a freeze on my credit for over a year after identity theft issue. I never received any notices about this prior to my credit score dropping due to not one but TWO collections for the same thing.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been damaged due to COVID-19 by loosing my employment and still waiting for Unemployment. I contacted my creditors one being XXXX XXXX  to inform them and request assistance. I was given a letter stating two months payments would be waived due to the Pandemic and my situation. I thought XXXX XXXX was here to help consumers during this pandemic but they have done nothing but hurt my credit. I was informed that two months would be waived along with late fee, although I still made payments and managed to pay off some of my accounts, XXXX XXXX reported to the credit reporting agencies XXXX, XXXX and Transunion that the accounts were 2 to 3months late when they had informed me that I didn't have to make any payments for two months and late fees were waived. This reporting has caused more damaged to my credit by having other cards closed and credit limits decreased due to their reporting. It is my understanding that due to the Pandemic ( Cares Act ) creditor are suppose to work with consumers and prevent from damaging their credit and credit reporting agencies should not report anything negative on consumers credit during the Pandemic. XXXX has damaged ones credit but advertise they are here to help consumers.. 

Negative information has been reported to my XXXX XXXX XXXX XXXX XXXX all have caused damaged to my credit. I have never had any late payment history until now.
Consumer complaint received 2020-12-02
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. (TX)

FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. Company failed to give notice or reason why this account is late, then reporting negative things on my account, why is that? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/2018 DEPT OF EDUCATION/XXXX  XXXX {$9100.00} < -- -- Please see attached documents, accounts are NEVER LATE also INACCURATE DATA placed on my report, either XXXX or the Creditor is DAMAGING report! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
Consumer complaint received 2021-08-20
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: TD BANK US HOLDING COMPANY (NY)

I have these accounts that are not mine and i want htem to be removed. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently applied for a mortgage and I have been using Transunion monitoring service for over a year to ensure I was able to. I find out that the credit bureaus use two different methods to report credit. One they use on their consumer portal based on some method they thought up called XXXX XXXX and the other based on FICO that they give to lenders. This has resulted in a 50pt gap in the two scores, with FICO being the lower score.

I feel this is a deceptive and fraudulent practice. If you join a service to monitor and manage credit, then only one method should be used to report to ALL parties. I believe them charging me a fee and giving me erroneous information that does not reflect what they give a lender is a kin to the used car game the XXXX XXXX XXXX plays. 

I believe all three bureaus are playing the same game here and it should be investigated. One method for all parties.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (MA)

Jefferson Capital Systems LLC ( XXXX ) XXXX >>> XXXX XXXX<<< This is a wonderful company That Almost Predatorayl Parks debt on my credit report RANDOMLY. They make No attempt to collect a debt ( my phone numbers up to date as my adress ) They mail nothing and they report " New '' account from 9 years ago that have been taken off my credit.
Consumer complaint received 2021-04-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (GA)

On XX/XX/21 I noticed this company on my credit report. I have no idea of who they are and doesn't have any outstanding debt. I have never received an bill or call regarding this bill. It has caused my credit score to fall.