davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNTS ON MY CREDIT REPORT. THESE ILLEGAL ACCOUNTS ARE NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED TRANSUNION ABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THESE ACCOUNTS. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THIS ACCOUNT DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF TRANSUNION CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED STRESS THEY HAVE CAUSED ME
Consumer complaint received 2022-11-19
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-07
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. (TN)

I have submitted evidence showing I am not liable for the debts originally being XXXX for {$2000.00} and {$600.00} that was deleted due to fraud back several months ago and now called XXXX XXXX. All other bureaus saw this and deleted and blocked fraudulent item except for Equifax. I just received results stating that the item belongs to me. I am a victim of identity theft and I am stating that this debt does not belong to me. please block and remove from my credit report. I am providing police report and actual XXXX letter from corporate stating I do not have any account with them. if this item is not deleted and blocked I will be seeking legal action against Equifax and XXXX XXXX.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

I RECENTLY TRIED TO BUY CAR FROM XXXX, I AUTORIZED THEM TO PULL THEM AND XXXX XXXX AUTO FINANCE TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX  XXXX AND 1 FROM XXXX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY EXPERIAN.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX Bank Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Talbot, Adams, & Moore, Inc. (TX)

I believe that the account being re-reported to my credit report had fallen off or paid for by me. I am certain that I paid another debt collection or this same collection agency Talbott Adams and Moore spears the amount of {$260.00}. I called the credit collection agency and they asked for a receipt number which i obviously do n't have becuase it has been XXXX years since i paid for it and it was removed from my credit report. I want challenge the accuracy of the information and verification of this debt from XXXX.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XXXX of last year I transferred XXXX to Wells Fargo from XXXX  XXXX XXXX. On XX/XX/XXXX XXXX  XXXX XXXX closed my account and Wells Fargo did the same and returned the XXXX to XXXX XXXXXXXX XXXX XXXXk XXXX XXXX claims that they have never received the money and that Wells Fargo never sent the money to them, which is false by the documentation that I Have. I need Wells Fargo to verify that the money was indeed returned to XXXX XXXX XXXX.
Consumer complaint received 2022-01-26
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. (MN)

On XX/XX/22 I applied for a home loan and discovered an old debt thats not mine. The status is closed but on my report it shows that there was a balance of {$8000.00}. I contacted XXXX XXXX XXXX and they have no record of me.
Consumer complaint received 2022-01-26
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. (PA)

On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX agreed to remove all loans from consumer credit reports.
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TRANSUNION CONTINUE TO LET INQUIRIES BE SOUGHT ON MY CREDIT WITHOUT MY PERMISSION. THEY DELETED A SERIES OF INQUIRIES AND NOW THERE ARE SEVERAL MORE SHOWING EVEN THOUGH I HAVE SECURITY FREEZES IN PLACE. THESE ARE A LIST OF UNAUTHORIZED INQUIRIES. I HOPE THEY FIND THESE INQUIRIES UNAUTHORIZED AND REMOVED IN A PROMPT MANNER.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

On my existing Equifax credit report there's currently an account-XXXX XXXX XXXX XXXX XXXX that is approaching the 7 year negative retention threshold. I have contacted Equifax on two different occasions and received contradictive information. The account 's date of first delinquency is XX/XX/2015 that said I would like to request early exclusion from this being negatively reported on my file.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A thief reproduced a copy of our Bank of America Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Bank of America is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police report.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted 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
Consumer complaint received 2022-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

I have sent affirm my police report number, a copy of my identity theft report to the ftc, as well as a letter requesting they remove the debt resulting from identity theft. I have requested 8 times in writing that affirm remove this unauthorized debt and report it as such to the credit bureau but they have refused to cooperate with me. XXXX has also refused to blame ck this information
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Pinnacle Credit Services, LLC (CA)

This complaint is for XXXX written dispute sent XXXX/XXXX/XXXX requesting removal of XXXX credit services based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from XXXX  stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof XXXX should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. XXXX is allowing XXXX to violate XXXX laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
Consumer complaint received 2022-11-19
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. (MN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX  ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I closed a credit card account ending in XXXX from Capital One in XX/XX/XXXX. I paid the balance off and received a refund check in the amount of {$2.00}. However, 5-6 months later I received a notice that I had charges on that account. I did not authorize these charges and do not understand why they were there. I have contacted Capital one on several occasions, culminating with a letter dated XX/XX/2017, where I asked them to 1 : Confirm that the account is closed as requested 2 : Remove any fraudulent charges on my account and remove the negative comments on my credit report 3 : Due to the stress of this situation and its impact on my credit score, resulting in me getting denied a credit card with a better rate due to my credit score. I am asking for {$1000.00} for the hardships of this situation. 

Currently I have a balance of {$100.00} and they have notified the credit agencies that I am late on this payment. This should not be happening
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

I was the victim of ( 4 ) unauthorized XXXX payments made from my Chase Bank account to unknown user. My account was hacked and payments were sent without my approval. The amounts that were sent via XXXX payments. 

Date : XX/XX/2022 XXXX amounts : 1. {$250.00} 2. {$250.00} 3. {$880.00} 4. {$490.00} There were no actions taken by my bank ( Chase Bank ) to assist with fraud claim. They simply dismissed the claim and said I was responsible regardless of claim that account had been hacked and payments were not authorized.
Consumer complaint received 2022-11-19
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: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX XXXX is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and Transworld system is reporting XXXX for XXXX XXXX XXXX. 

Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MO)

XXXX XXXX has been in business for over 30 years and we have been a PayPal customer using their payment platform as an option to our customers for many years. We are a small company with XXXX employees. 

In XXXX, PayPal started withholding our funds without notice. Again, there was no notice that they would hold our funds which I am not sure they can legally do. They are holding 62 % of our revenue which is obviously crippling to a small business. With the amount that PayPal makes off of their astronomical fees that they take out of each transaction, this is absolutely appalling. 

PayPal also has a history showing our spikes in sales to prove that these are common and funds have never been held before. I have reached out to PayPal over 8 times in the past 3 weeks. They refuse to transfer me to the department that reviews holds, they continue to deny my review of the account for releasing the hold, and the employees that I have spoken with have continued to tell me that there is nothing that I can do. 

PayPal is holding our monies hostage and are not giving us, the customer, a way to have it released in a timely fashion. It is absolutely horrendous that a large corporation can hold a small company hostage and no one can assist. The unscrupulous practices of PayPal need to be reviewed and they need to be held accountable, not just for us, but for all of their customers who trusted them to act as a company with integrity.
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (NV)

XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector.
Consumer complaint received 2022-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (GA)

Casio Partners sent me an invoice months ago for a medical debt that was responded with a request for validation of the debt ( Provider name, detail of charges insurance billed ) etc ) but did not respond. 
I am a XXXX recipient and there is no record of services billed for the date of service noted in their invoice nor that of my supplementary insurance. This week a collection notice was filed with credit bureaus and alerted by my credit monitoring services. Clearly they have not complied with requirements to validate the debt they have purchased and trying to collect.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

My loan was recently changes from being serviced by XXXX/XXXX. XXXX to a company called Select Portfolio Servicing. 

In XXXX of XXXX I modified my loan with XXXX XXXX and have a 100 % on time payment history. 

I attempted to have PMU removed from my loan, but was notified that due to my payment history it would not be eligible for removal based on payment history until XX/XX/XXXX. 

I requested removal of PMI from my current servicer, SPS, who ahs recently informed me via mail that I am not eligible due to payment history. Note this correspondence was dated XX/XX/XXXX, well after I had made my 24th on time payment that XXXX. 

When I called SPS they stated on the phone they could not verify my payment history and did not have access to it. 

My PMI is eligible for removal, this is a situation I've followed closely for 2 years and their assertions are at best in error and potentially fraudulent. 

I have attached a copy of SPS letter and my payment history as available to me from my bank. 
You can see all my payments are made via the servicers auto-payment program. The payment date in their system is always before the due date and the date shown in the attachment is the posted date to my account which is often different.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

Today i tried to make a global transfer to aNother citi bank account and was told for security reasons i could not. Although i was transferred to the fraud department and they did not see any fraudulent activity and escalated the call to supervisor XXXX XXXX to unblock the account after verifying my account by asking me all the security questions needed she could not tell me why and instead said its for security reasons and told me to try again another day. My money is being held hostage and as a consumer i have a right to access my account and withdraw as i please ESPECIALLY when the fraud department stated my account didnt have any fraud. AT THE VERY LEAST I SHOULD BE GIVEN A REASON WHY
Consumer complaint received 2022-11-19
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: CarMax, Inc. (NY)

On XXXX XXXX. Three companies ran my credit without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX CARMAX  These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes