davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2019-06-09
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. (CA)

I submitted investigations into these inquiries and details as to verifying these inquiries and I receive no information as to how the investigation was conducted and information confirming these inquiries. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I have previously disputed A XXXX Bankruptcy that is on my LexisNexis Report, and in response, LexisNexis verified the item as accurate, stating that LexisNexis has verified the information with the court or a 3rd party. 

I contacted the court, and their response is attached.

It is clear the Court does not report to LexisNexis or any Credit Bureau for that matter ; therefore, LexisNexis 's initial response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. 

In accordance with the Fair Credit Reporting act. The Bankruptcy listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

And according to 15 USC 1681eb LexisNexis is supposed to ensure this.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

I received an email on XX/XX/XXXX, the due date for my student loan payment, that my account had been placed in administrative forbearance. I did not request a forbearance. The email indicated that the account was placed on administrative forbearance and that no payment was required and no interest would be applied until after XX/XX/XXXX. On XX/XX/XXXX my account was debited for the amount due XX/XX/XXXX, however, my account is listed as past due and the payment is not showing on the Nelnet portal as received. 

I called to speak with Nelnet and they did not know what the issue was or how to resolve it. I was on the phone for an hour and there is no resolution. 

This resulted in an impact to my credit score at a time when I am looking for HELOC loans and this has a negative impact on the eligible interest rates for the loan. Prior to XX/XX/XXXX I was looking at 7 % now rates are 9-10 % because of credit rating impact.
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 Account with The XXXX XXXX XXXX - XXXX has violated my rights. 

XXXX Account with XXXX has violate my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

XXXX Accounts with XXXX XXXX, XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX has violated my rights. 

XXXX Account with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make and consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
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: FC HoldCo LLC (MI)

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX {$800.00} is removed from my Bank of America checking account. The description is " XXXX* XX/XX/XXXX PMNT SENT Visa  XXXX NY ''. The type of transaction is " Debit Card ''. The transaction category is " Cash, Checks & Misc : Other Expenses '' My XXXX app does not show any record of me sending {$800.00}. 

XX/XX/XXXX I file a claim to dispute the charge. 

XX/XX/XXXX A temporary {$800.00} credit is applied to my account by Bank of America. 

XX/XX/XXXX Bank of America deems the transaction non-fraudulent and closes the claim. The temporary {$800.00} credit is removed from my account. They say that the documents detailing their resolution will be mailed to me.
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filled for unemployment for the very first time in my life in XXXX during the pandemic .I was receiving my benefits at first it was around {$8300.00} total I have my bank statements from Bank of America where it shows my ending balance. When it was time for me to do my taxes on XXXX i received my 1099G stating i had received {$16000.00} which i never saw in my Bank account i contacted XXXX and the verified that they indeed transferred all that money but The bank never applied it all to my account the same thing happened in XXXX when i received my 1099G it said i had gotten {$10.00}. bit i only received around {$4000.00} so i don't know what i should do.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

XXXX XXXX XXXX  - I received a email from PAYPAL stating that my account has been Permininalty Suspended without notice or warning. I immediatelyinquired why and received absolutelyno reason. The person on the phone refused to offer any further explanation of why I was terminated. 
XX/XX/XXXX XXXX I received a similaremail from VENMO ( same company as Paypal XXXX Stating that my VENMO Account has been PERMANENTLY Suspended. They too offered no reason and would not answer my request for a explanation, I use both servicesvery casually for giving money to family members or paying for online purchases in an effort to protect my banking information. This type of action should be illegal, they still have my money and offer no easy way of retrievingit. I want a explanation as to why my accounts were flagged and suspended.
Consumer complaint received 2021-11-11
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: FORD MOTOR CREDIT CO. (MN)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-07-25
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: NCC Business Services, Inc. (PA)

I was told by XXXX XXXX XXXX XXXX XXXX in XXXX Florida once this debt was paid off it would come off my credit report, as of this date it still remains on there. It was paid in full in the amount of XXXX on XX/XX/2018. That means it remains on my credit report for 7 years which is ridiculous, it was paid again in full, not settled in full but in full. That decreases my credit score when it comes to even getting car insurance, and 7 years is the going rate for XXXX XXXX in a number of states, I've went through this with another company before, they should not be permitted to do this.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I'm writing because I applied for, and was approved ( XX/XX/2018 ) for a  Chase Slate credit card with a credit limit of {$4000.00}. I received my card in the mail XX/XX/2018. My card offered a 0 % interest for 15 months and offered a balance transfer with the same interest rate. I transferred a balance ( {$1100.00} ) from another card as my first major transaction. I then called Chase and notified them that I would be traveling with my family on vacation to XXXX and XXXX. I used the card for dinning while with my family in XXXX. Once I returned from my vacation, I received a letter from Chase 's Executive Office in the mail dated XX/XX/2018 stating that they are closing my account XX/XX/2018 " because continuing the relationship creates possible repetitional risk to our company. '' I called the phone number listed in the letter ( XXXX ) XXXX, no one could tell me why Chase was closing my account and could not provide me with any additional information. I called the number several times thinking that someone would eventually be able to provide me with a detailed explanation, to no avail. I have checked my credit report with all three bureaus, there is nothing that reads negative on my report. All of my accounts are current and I have no collections, etc. I even tried going into a Chase bank branch, they said they couldn't provide me with any details. I WOULD LIKE TO KEEP MY ACCOUNT OPEN, and would like to build a long-term relationship with Chase. Can you please help me? If there is something that is of concern, I would like to know, so I can address the issue or resolve any problems that I'm not aware of. Thank You!
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Dear Mr. XXXX of XXXX or whoever is reading this email : I am a XXXX year old senior citizen who is not particularly savvy on the computer. When I was ordering a product on XXXX I noticed that if I received an XXXX credit card I would save money. I have been ordering from XXXX for many years using my Chase Visa card. When I was approved for the card, I was not told that the automatic default for payment would be the XXXX credit card on all future orders instead of my usual Visa card. The default payment was changed without my knowing this. I then made several purchases which unknowingly was charged to the XXXX card when I thought it was being charged to my usual visa card. I did not discover that you changed the default payment method until I had placed several orders in XX/XX/XXXX and XX/XX/XXXX. Once I found out that I was paying through the XXXX card for the XX/XX/XXXX order, I immediately asked that the payment be changed to my Visa card. Your company representative failed to tell me that other orders were charged to the XXXX card. I received no notice from your company that a monthly bill was due. I only found out that I was being charged on the XXXX card and that I was charged a late fee when I called Chase Visa on another matter. There was no notice sent to me that I owed money or how much was due or that I would be charged a late fee. I have never been late on a payment my entire life since I always have auto deduct. I couldn't find out how to get auto deduct on the XXXX card. This business practice is at best very deceptive, especially for senior citizens who are not savvy on using the computer. The very least you should do is let people know that if a customer orders an XXXX card they will have to change their payment method back to their usual mode if they don't want to use the XXXX card or they will be charged. You should also inform the customer when the bill due date is and that there will be a late fee. Thank you,
Consumer complaint received 2018-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION (TX)

Around XX/XX/XXXX/XX/XX/2016 BBVA Compass Bank said I owed them around {$19000.00} for a signed promissory note. I asked them multiple times to send me a copy of the signed promissory note and that keep sending me a unsigned copy of a note.

Their is not a signed note because Compass and myself never signed one. See attachment of what they kept sending me. Since then, they wrote off the note as a charge off, turned it over to XXXX XXXX XXXX, and reported on my credit reports that I defaulted on their alleged note. I asked them and continue to ask to show me the signed note, which their is not one. How can someone default on a note that was never agreed to and signed by the 2 parties. Any help would be appreciated.

Thank you.

XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (NJ)

I was in my digital wallet with MetaMask and I selected a currency to buy ; XXXX, then different exchanges came up, Robinhood, XXXX, XXXX and XXXX, etc. I selected Robinhood because it had the highest pay out conversion and I had to set up all my information including two factor authentication and device authorization. Everything went through fine, I had even done a transaction the day before with no issue. This time my funds were stopped in the middle of the transaction and held there since XX/XX/XXXX, saying it was restricted and someone will reach out to me or have my account unrestricted by XX/XX/XXXX then XX/XX/XXXX, then XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX and now they pushed it back again to the XXXX of XX/XX/2024. I continue to contact XXXX support get the run and asked for facial recognition and still no funds. I was also asked to reset my account and still my account is restricted and I cant get my funds.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC. (MS)

EXETER FINANCE LLC 25 POTENTIALLY NEGATIVE MONTHS Balance details 9 % paid off Balance {$12000.00} Balance updated XX/XX/XXXX Original balance {$13000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX CO CO XXXX XXXX CO CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO XXXX XXXX CO CO PAYMENT HISTORY LEGEND Status Account charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$12000.00} Original balance {$13000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX XXXX  Months XXXX sold - Original creditor - Comments- Your statement-
Consumer complaint received 2021-11-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX/XXXX  - Bal : {$0.00} on ( TU XXXX XXXX XXXX and {$2100.00} XXXX/XXXX - Bal XXXX {$0.00} XXXX TU & XXXX XXXX XXXX Bank XXXX XXXX XXXX {$16000.00} ( XXXX & XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Bal XXXX {$2200.00} ( TU & XXXX ) XXXX XXXX  - {$8700.00} XXXX TU, XXXX, XXXX ) XXXX XXXX  XXXX {$2200.00} XXXX XXXX )
Consumer complaint received 2024-05-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANKERS HEALTHCARE GROUP LLC (CA)

Please Note that : THIS IS NOT A COMPLAINT AT ALL. I used CFPB as I promised to be transparent with your company to send you NEW documentation from the FTC with Police Report for your reference to keep under my FILE from BHG. You can close this so-called complaint right away after gathering the attachments. Thank you for your understanding and consideration AS ALWAYS. BHG is the ONE & ONLY GREATEST COMPANY THAT I HAVE ENCOUNTERED SO FAR! KEEP UP THE GOOD WORK AND PROFESSIONALISM!
Consumer complaint received 2018-07-25
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. (DE)

Equifax continues to report fraudulent XXXX XXXX  account on my profile along with the fraudulent address associated with the XXXX XXXX XXXX XXXX, I have relentlessly provided them the needed information to correct it. 

Equifax is the only credit reporting agency reporting this identity theft fraud address as an previous address, I was never associated with this address, remove. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX. It is the address of the person/s who stole my personal information.
Consumer complaint received 2018-07-25
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: WELLS FARGO & COMPANY (MI)

This company, WELLSFARGODEALERSERVICES, did a hard inquiry online to get information. I never authorized them to do this inquiry. Do to their inquiry, my credit score dropped. What can I do to sue them for fraud? This occurred on XX/XX/2018. I was informed through credit karma on XX/XX/2018. The address is XXXX, North Carolina XXXX
Consumer complaint received 2020-12-05
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 (MD)

I have {$9000.00} USD in my PayPal wallet. Since XX/XX/2020 they have locked my account and denied me access to my funds. They sent the following message in XXXX and again about XXXX. 
" You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money.Reference ID : XXXX '' This is theft and I want my money returned to me with interest.