davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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. (CA)

Beginning in XXXX, I have submitted multiple disputes to all three credit bureaus in regards to incorrect information being reported on my credit report. XXXX, XXXX, and Transunion continue to violate my rights under the FCRA. The following accounts contain erroneous, unfair information that is damaging my credit. 

XXXX : Account type is incorrect across all XXXX bureaus, Date opened is different across all bureaus, Last reported date is different across all three bureaus, Last reported date is different across all bureaus, etc. ( copy of credit report with errors circled enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX : Dates, account number, high credit, and payment history is incorrect/inaccurate. ( copy of credit report showing inaccuracies enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX : Inaccurate information being reported across all three bureaus. ( copy of credit report showing incorrect information enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXXXXXX XXXX Dismissed : Courts do not report nor verify information to credit bureaus. This information was obtained and sold to the credit bureaus without my consent and is a violation of both 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent. 

Furthermore the XXXX was dismissed without adjudication and in the eyes of the law, anything that has been dismissed is no longer valid or deemed to exist and therefore should not be on my credit report. This is a direct violation of the FCRA. The negative erroneous information being reported is effecting my ability to acquire housing and employment. The credit bureaus have refused on multiple occasions to remove this incorrect information claiming to have verified the accounts. how are these accounts being verified when all of the information is inaccurate. According to the FCRA, I have the right to a 100 % accurate and fair credit report. 
As I have included a copy of my credit report with inaccuracies already circled, I demand that these items be deleted immediately or I will be seeking litigation against XXXX, TransUnion, and XXXX for violating the FCRA laws.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I got a charge in my Bank of America debit card for {$190.00} on XX/XX/22 from XXXX XXXX XXXX XXXX I did go on XXXX XXXX chatted with some person to see what credit company had me listed as owing... someone called me and Offered NO help whatsoever- even said I dont know how to help in heavy foreign accent! Im outraged! Im trying to find a number for this company- nothing comes up! Im XXXX and need this {$190.00} put back in my account! So upsetting!
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent a letter for Eqifax and also I have faxed a letter with my id and ssn card photo on the top of the letter and asked to change of my address and removing the wrong address also I asked to remove the hard inquiry that is not belonging to me and I explain for them that is not from me and they didnt remove it also they have my name wrongs. 
Because of the false and wrong reports Equifax caused me a lot of problems and effected on me as a XXXX XXXX and also effected on my Childrens life Equifax preventing me to grow on my financial life thats effected on my family as well. 
The personal statement that Equifax is reporting to any creditor it caused me to not having any credit card or any loan to make my families life easier! Im wondering why??!!!!
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (WI)

+ not refunded XXXX XXXX perks XXXX XXXX XXXX XXXX perks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refund received XX/XX/XXXX XXXX XXXX no product southville XXXX PayPal # 1 XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Seller couldnt refund amount to PayPal right away for whatever reason o They attempted to take out the XXXX out of acct but was rejected because the 2nd transaction from XXXX  made it first to bank o Was charged two {$26.00} over draft fees for XXXX o Bank refunded those on XX/XX/XXXX o They took out XXXX today ( XX/XX/XXXX ) o Bank charged me {$26.00} o Waiting for Paypal Case to refund me the {$680.00} PayPal # 2 XXXX XXXX XXXX XXXX ( REFUND RECEIVED ) o Order for XXXX placed o Did it wrong and hotbox sent refund right away o It was reflected under the refund section and in my paypal balance o I sent this XXXX to my acct o It was never received at bank and no longer reflected in paypal PayPal # XXXX XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Order is legit o Never received laptop o Seller wont confirm shipment or tracking o Catting with seller stated XX/XX/XXXX but nothing has ever been delivered
Consumer complaint received 2021-05-26
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. (MI)

We had to go through a Chapter XXXX bankruptcy in 2020. Since then, all 3 credit reporting agencies have reported my Student Loan ( serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current.

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency ( XXXX  only once ) and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

On XX/XX/2018, I found a debt on my credit for XXXX XXXX XXXX XXXX. The debt was deceptively added and I had no idea it was there. The company that added it did so unlawfully. I called PDQ services ( http : //www.pdqservices.net/ ), asked the rep what the debt was for and she could not tell me. She said they would do an investigation on it. The next day, XX/XX/2018, I called again and the rep told me the debt will be removed and they would be notifying the credit bureaus. I asked again what the debt was for and she could not tell me. I asked for something in writing regarding the debt and the request for removal. She transferred me to a supervisor named XXXX who rudely told me not to callback, she said they will not be sending me anything in writing and hung up on me. I am reporting PDQ servdices for violation.
Consumer complaint received 2020-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX {$1300.00} {$820.00} CHARGE-OFF XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Previous Address : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX APT XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Upon checking my credit report on XX/XX/XXXX, it has come to my attention that XXXX XXXX XXXX has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, Portfolio Recovery Associates, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that Portfolio Recovery Associates accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. Portfolio Recovery Associates, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact Portfolio Recovery Associates since they are the XXXX responsible in reporting the account to the credit reporting agencies. I did call Portfolio Recovery Associates but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXXXXXX  & XXXX  to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that Portfolio send me a notice in writing that they have already fix the problem.
Consumer complaint received 2018-02-28
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. (NY)

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.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (FL)

While having my morning coffee, I checked my credit report. I noticed it appears to be accounts listed on my file Ive never had or open. Ive been a victim for identity theft. Ive sent letters to All Credit Bureaus. My letters seem to be going unnoticed. Ive also sent in a ftc report. Which you will see it attached to this complaint. Its a large amount of inquiries and accounts and address and inaccurate name on my file. 

Name Wrong XXXX XXXX, & XXXX XXXX, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX Dept of Ed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Accounts 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX {$1300.00} 3. XXXX XXXX XXXX 4. XXXX XXXX  Please See Attached Ftc Report!!
Consumer complaint received 2021-01-07
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: Chime Financial Inc (PA)

First when I tried to set up direct deposit with Chime Bank, if denied me because they couldnt verify my identity with my ssn. Next when I moved on tried to create a XXXX  Bank account, the same thing happened, except I got in contact with customer service and verified my identity by sending my birth certificate, ssn, and state ID. It work successfully, but days later randomly my account closed due to not being able to verify my identity. Lastly, recently when I tried verifying my identity on XXXX XXXX, I used my stated ID again it I still had problem with the message if fear of fraudulent activity. Ive been trying to set up a direct deposit for my job with a mobile bank but Im having the same consistent challenge in all of them. I need help please.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank closed EVERY single account i had with them XXXX XXXX XXXX accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The XXXX laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The XXXX  XXXX XXXX XXXX administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1967
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (FL)

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. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 seven years.

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 2022-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (SC)

I contacted discover via certified mail about an alleged debt. They have reported negative information to the credit bureaus and the credit bureaus are saying they have sent in information verifying the debt. 

However, I asked discover for validation of the debt and a copy of my original signed contract ( as allowed by law ). 

I have attached the original letter sent via certified mail and also the signature receipt showing that my letter was received.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (WA)

Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power
Consumer complaint received 2021-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MD)

I am a disabled veteran with 100 % disability rating. Because of this, I was provided a letter stating I was granted property tax exemption from the state of MD. I forwarded that message and letter to Guaranteed Rate and asked for an escrow analysis. I was told it would take about 4 days. Since then a tax payment has been made to XXXX/XXXX  XXXX County tax assessor, which was subsequently returned, due to my tax exempt status. 

That was two weeks ago. Ive talked to numerous customer service agents and almost as many supervisors. These folks have stated its almost complete, check back in two days, and the supervisors computers arent working today. On Tuesday I spoke with a gentleman, that stated he could see everything in the system, recalculated our mortgage t and our escrow refund. He said he was going to send us an email to wrap it all up and get us a tracking number on the check through XXXX. That email never came. I called back again and talked with a lady that was not as helpful. She stated there was nothing in the system indicating we were tax exempt, that an analysis had not been completed, and that even when it was, the payment wouldnt change for two more months. My wife and I waited almost 2 days before calling back again, and were told we would receive a call back after it was " looked into '' by senior management, and again, nothing. 

I have asked numerous questions to which I would get a different answer each time. 

When I have asked to speak to a senior manager since I had gotten so many different stories from different supervisors many of the customer service agents would say they weren't at liberty to disclose that but could submit my info to have a member of management call me back. I said yes. Again, no call came.