davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 2022-08-25
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: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX  XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Amex XXXXXX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

Amex XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. 

XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Consumer complaint received 2024-02-13
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. (SC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2023-07-20
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: EQUIFAX, INC. (CT)

According to 15 U.S. Code 1681d, as a consumer I did not receive any disclosure about a consumer report being furnished on my behalf from XXXX XXXX  or Equifax. I did not give any verbal or written consent for either of them to share my non-public information and furnish a report when according to 15 U.S.C 1681b they are allowed to furnish a report in accordance with the written instructions of the consumer to whom it relates. I did not even receive disclosure to opt out of a credit check when applying for XXXX  years ago, this is identity theft and and by law these are completely inaccurate and unfair and goes against what the Fair Credit Reporting Act is. Please get them to remove everything as this is indenting theft
Consumer complaint received 2021-07-01
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: TOYOTA MOTOR CREDIT CORPORATION (IN)

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigational results.
Consumer complaint received 2024-02-13
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

yes -- I am not sure if it is legal or not -- -that is why I decided to contact you. Here is what is going on -- -I have a insurance policy with XXXX XXXX they have sent in to all 3 major credit bureaus that I owe them money -- I still have the policy so I called them to ask why do I owe them money and my account is current -- -she said that in 2016 when I renewed my policy that I owed them a past due balance -- -now when I renewed the policy I was not aware of this debt and why they did not say something then -- -- -now I have disputed this account with all 3 credit bureaus and they are saying that the information is correct -- -of course my name and social security is correct because my account is current -- -my question is can they put that on my credit file as a bad debt because that is not a credit card not an installment -- -could you please let me know if an insurance company has that right -- -- also what about the collection companies can anyone just put whatever they want on our credit file -- -also in identity theft of course they have your name and social security number and all of your personal info that does not mean it is me
Consumer complaint received 2024-04-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (AL)

I made arrangements to catch the loan up but had a family situation come up. They called me and my job multiple times everyday even after I had talked to them. I did not know they were calling my work as much as they were calling me until it was addressed by my supervisor. I requested them not to call there anymore. But apparently they still did because it was addressed again by me supervisor and I honestly thought i was going to lose my job because of it. I have asked them to come get the vehicle that I put up for the loan. They harrased me to get the loan calling me all the time talking me into taking it out. I can get dates to back all of this up as well as the emails from my supervisor.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-13
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BAL.OWNED : {$2000.00}, XXXX XXXX XXXX BAL. OWNED : {$5600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (MA)

I received a mortgage statement due XX/XX/XXXX on XX/XX/XXXX and sent it back XX/XX/XXXX. I then got a threatening phone call on XX/XX/XXXX saying they would take legal action against me to collect. 

This follows the treating letters I received in XXXX. 

There excuse is they took over the loan in the new year, but I do not think that gives them the right to use stressful harassing tactics on me when they can not get the statements out in a timely manner.
Consumer complaint received 2024-02-13
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. (OH)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-Investigated
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

I purchased something for about {$230.00} from Best Buy. I was supposed to pay it interest free in 90 days. The first payment was a few days late, but I paid the balance in full. Citibank charged a {$27.00} late fee. I protested but paid the fee. Citibank said they would close the claim. However, they continue to charge {$27.00} each month, a late fee on a late fee on a payment made early. The late charges total {$130.00}. They have reported me to the credit agencies. This is a scam.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX have been reporting information on my credit report without my consent or contractual agreement. I have never entered into any formal arrangement with either entity, and the information they are reporting is inaccurate.
Consumer complaint received 2019-02-27
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. (SC)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX  XXXX XXXX XXXXXXXXXXXXXX XXXX XXXXXXXXXX
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've contacted all three credit bureaus and told them to verify my credit report and they stated everything was accurate. I've done a thorough research myself and found improper inaccurate even after they did their research. I've sent vs certified mail on XX/XX/XXXX and XXXX XXXX about late payments that were paid in full already those dates were XX/XX/XXXX and XX/XX/XXXX. They were paid on time. That's affecting my credit score when I'm still an account holder with this company XXXX XXXX as of today XX/XX/XXXX. 
My Account number is ending XXXX Open date was XX/XX/XXXX. 

In accordance with the Fair Act Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-27
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. (FL)

Equifax refuses to update my credit score to reflect what it was before XXXX falsely reported I was 30 days late. XXXX corrected the information with Equifax, but Equifax refuses to correct my score. They have been provided with the correct information, but refuse to correct my score. This is entirely Equifax 's problem. Equifax needs to correct my score to where it was prior to XXXX issuing the adverse information.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

As of XXXX XXXX I contacted both the company XXXX XXXXXXXX XXXX and Midland credit management I was trying to get information on the account that states i owe {$1000.00} to XXXXXXXX XXXX XXXX But they failed to disclose any information because they sold the account and the information with it as well as personal information to midland credit management. I contacted midland credit management and one of the representatives told me that a transaction was made with the card which i never owned and the transaction took place in XXXX, Fl on XX/XX/XXXX and many more transactions were made during that time as well. Midland credit management representative stated he could not send me a complete list of the transactions even though i requested that list, in my defense i stated i never owned a XXXX XXXX  credit card nor was aware that an account was opened in my name.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

US Bank offered {$300.00} after opening account with a {$5000.00} minimum. Money needs to be in account at least 90 Days. My deposit was made over 120 days ago and havent received the {$300.00} dollars. Ive called customer service three times in the last month about not receiving the {$300.00} with no success.
Consumer complaint received 2023-04-20
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. (KY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

Paypal Account : XXXX Name : XXXX XXXX For no apparent reason, Paypal locked my account for up to 180 days. I called several times to release the balance of {$1600.00}, but the customer service could not help at all. PayPal transfers out the balance of {$1600.00} for " paypal 's damages caused by acceptable use policy violation '' without notifying me before the 180-day period expires. This is a ridiculous and scammy activity!
Consumer complaint received 2024-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/24, I contacted PayPal to advise that I did not receive my entire order from XXXX that was placed on XX/XX/24. The order was missing the dessert that I ordered ( an oreo cheesecake slice ) and I even placed a XXXX complaint as well on XXXX regarding this on the same date also. I tried to get XXXX to correct the issue, but they refused so I was depending on PayPal to correct this grievance since I used their method of payment as payment for the transaction. Paypal provided a temporary credit of {$6.00} and told me that they would complete an investigation. I just received notice today that they have completed the registration and are denying my claim and siding with the seller XXXX. As a result, they are making me repay the {$6.00} that they gave me back as a provisional credit because the merchant provided a confirmation # saying the items were delivered. This was not a thorough investigation as I have proof that I contacted the merchant about my missing order and they denied refunding me which prompted me to contact Paypal in the first place. They gave me no opportunity to refute this decision and as a result I am upset and disappointed as a customer as they did not thoroughly investigate this claim. XXXX was/is trying to make me pay for an item that I did not receive which is fraudulent activity and I was depending on PayPal to properly correct the issue but they did not.