davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (UT)

I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS. 
I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (OH)

I received a call from the XXXX XXXX of PNC on XX/XX/2023 from XXXX XXXX XXXX stating PNC was closing my account and l would be receiving a check within a few days. On XX/XX/2023 l received an email stating that PNC wants more time and l don't understand what for? XXXX HAVE NOT RECEIVED ANY FORMAL STATEMENT FROM PNC, ONLY THAT THE PERSON WHO PLACED THE HOLD WAS ON VACATION WHICH TOOK A MONTH AGO. SINCE THAT I HAVE RECEIVE A NOTICE TO VACATE FROM MY LANDLORD AND I HAVE NO MONIES FOR FOOD AND BILLS. PNC BANK HAS NO RIGHT TO HOLD/DELAY RETURNING MY FUNDS. PNC HAS CONTINUED TO IGNORE MY REQUEST TO EXPLAIN WHAT HAPPENED AND OR WHO THE INDIVIDUAL RESPONSIBLE FOR PLACING THE HOLD OF THE ACCOUNTS NOT SURE IF YOU CAN ASSIST ME WITH FILING A CIVil COMPLAINT AGAINST PNC FOR DESCRIMINATION, BUT THIS MATTER HAS CAUSED A SEVERE FINANCIAL TOLL.
Consumer complaint received 2022-06-08
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Acct # XXXX and XXXX XXXX XXXX XXXX, have 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
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CT)

Per the attached bonus offer from Chase Bank, opening a Chase Sapphire Checking account and funding it or a linked investment account with at least {$75000.00} will be rewarded with a {$1000.00} bonus. 

On XX/XX/19, I opened a Chase Sapphire checking account and a YouInvest investing account to fulfill the bonus. On XX/XX/19, I funded the linked YouInvest account with at least {$80000.00}. This is in order to fulfill the requirements of the bonus and to avoid monthly maintenance fee associated with the Sapphire account. 

On XX/XX/19, without notice and action on my part, Chase Bank closed my Sapphire account without my consent despite having a linked investment account with enough funds to avoid the monthly maintenance fee. I reached out to XXXX the account services supervisor, which notified me that my bonus offer has been cancelled and rescinded. XXXX offered no resolution to the account closure.
Consumer complaint received 2022-06-09
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)

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TN)

I have been fighting identity theft since the day I turned 18 years of age, and it's almost a nightmare that never stops recurring. Since I was 18 years old I have had all three credit companies flag me for identity theft due to being a victim. I can not file income taxes online because I have to get an IP pin addressed to me every year that goes straight to the IRS headquarters in Texas. XXXX XXXX XXXX has recently placed two collections against me and on my credit report, one of which being for XXXX XXXX in the amount of XXXX $ and the other being XXXX XXXX in the amount of XXXX . Neither of these accounts belong to me nor have they ever been mine, I have been a XXXX XXXX subscriber since I was 18 years of age and have had the same phone number since I was 18 years of age, with no late or past due payments to this very date in time. I'm requesting complete removal and deletion for these two listed accounts as they are both fraud. 

My step-mother has been placed in jail on three different occasions for using my identity before finally getting a credit freeze placed on my account along with the IRS freezing my social and requiring a paper w2 to be mailed in leading to further my struggle in life because I have yet to receive one stimulus check because my identity can not be verified. This is absurd. 

Thank you for your understanding, this is a very hard day and age we live in. I didn't know being a victim of identity theft would haunt me for what seems like forever.
Consumer complaint received 2022-07-31
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. (CA)

I have been violated for almost 2 years, XXXX, Transunion, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a onemain bank. I demand a {$1000.00} violation for XXXX, XXXX, and Transunion for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (TX)

My credit report was pulled, with multiple fraudulent reports from a data breach which included my email, social security, bank account, and card information. Ive called to report fraud to companys as well as I did a police report. They directed me here so hopefully I can get some answers so that these items can be removed.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (FL)

I just learned by XXXX XXXX that I have a new harmful collection data in my Credit Reporting Agencies, and I don't even know that company. 

I never received any previous communication from this company. How come they destroy my credit score when I don't even know what's going on. 
It should be retrieved from all reports immediately. 
I never saw such a thing ; I'm asking myself if It is just discrimination.
Consumer complaint received 2022-08-23
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Almost every day for the last month or so I have been getting repeat calls from this number or blocked numbers. I was able to verify that I do not own any debt with them. The callers are extremely rude and prone to use foul language. I live in XXXX and they are looking for some XXXX from another state. 

Portfolio recovery associates XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-20
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-06-09
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. (NC)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2022-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Changed insurance companies in XX/XX/2022 for my mortgage. XXXX XX/XX/2022. Sent Freedom Mortgage company a notification stating changing insurance companies and not to send payment to XXXX XXXX XXXX XXXX as they were being canceled. Notification to cancel XXXX XXXX XXXX was sent XXXX XX/XX/2022 via my insurance agent. Sent all required paperwork for new insurance company on that same day to Freedom Mortgage. Insurance agent has receipts showing they received it and sent again on XXXX XX/XX/2022, since they never admitted receipt for new insurance company. Mortgage company sent payment of {$5000.00} to canceled insurance company and not to new one. Canceled insurer sent refund check to me. Mortgage company demanded and gave instructions to have all monies be sent back to them and they will pay new insurer. Mortgage company never sent payment of {$2300.00} to new insurer within allotted time of 3 months since initial policy date back in XX/XX/2022. On XXXX XX/XX/2022 XXXX canceled the policy due to nonpayment. On XXXX XX/XX/2022, Freedom Mortgage admitted to their mistake via phone conversation, however, as of XXXX XX/XX/2022 seems unwilling to work or compensate for their error. Can not get new insurance thru same company until after 30 days from cancelation date. New insurance policy with a different company will cost x2 as much as original quote. Their failure to pay has now placed an undue burden on me.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo XX/XX/2022 {$1500.00} My family stayed at a condo in XXXX XXXX, SC for a vacation. None of the facilities, elevator in the house, or heating worked. There were exposed wires in the ceiling where the ceiling fans should have been. We contacted the resort and they refused to give us anything back. 

I disputed the charge through my bank, Wells Fargo. After providing my information and my conversations with the resort, they closed the dispute and did not give me the money back. They did not provide any support or documentation about the dispute. They have also locked me out of viewing any of that information on my account.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (VA)

A check written on a SunTrust Bank Checking account was deposited at XXXX XXXX  after the payee was altered with white-out and changed by the depositor. The check was accepted by XXXX and drawn on the SunTrust account. The fraud was reported by SunTrust to one of the named/authorized parties on the SunTrust account. A fraud case was opened by SunTrust but nothing has happened in over two months and SunTrust has refused to refund the account or provide any details of the progress to the authorized party.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP (OK)

Hello, I just received an email that XXXX is closing all of my account and all of the accounts that also belong to my 5 children. I am on an account with my sister who has a problem with XXXX but she is closing her account and that has nothing to do with me or my 5 kids accounts. My husband and I have had this account for over 20 years and my husband, my kids, and myself should not be punished for something that had nothing to do with us. I was on an account with my sister because she has XXXX XXXX XXXX and I TRY to help her. I don't care about the bank closing her account but my family should not suffer because of her. Especially my children! I have never even heard of something like this! My family has 10 accounts and has never had issues. This is absurd we are being punished for my sisters actions. Her actions did not even happen with the account that I share with her.
Consumer complaint received 2022-10-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXXs account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-09
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. (TX)

Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called Transunion and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if XXXX  purchased XXXX. They sent an update yesterday.
Consumer complaint received 2019-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (NJ)

I wrote various letters to XXXX XXXX over the course of the last year regarding negative remarks posted to my XXXX XXXX and XXXX credit reports. I requested that their office provide me with suitable validation of the alleged debt ( that I was indeed the party who is bound by contractual obligation to pay this debt ). I specifically requested that they send copies of an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. Not only did they not do so, but they claimed that the account belonged to a company called XXXX XXXX. I wrote XXXX XXXX back letting them know that the account is NOT being reported by XXXX XXXX. It is being reported by XXXX XXXX, meaning the following. If XXXX XXXX is admitting that they do not own the account, they do not legally have the right to report anything regarding the account on my credit! I expect that until my reasonable request for validation is met, this account must be deleted from my credit files.
Consumer complaint received 2022-06-09
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXXXXXX, 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 I also have some inquiries on my credit report that I didn't authorized and unaware of.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TN)

Hello USBank, Today, I'm submitting a complaint to the CFPB Portal to dispute many charges and request a new debit card. Most of these are charges I did not do. Current negative balance is $ XXXX, including overdraft fee ( s ). I've attached my ID, SSN Card, and proof of address. This is going to negatively affect my credit report if my account defaults, and I can't afford that. 

I would like these disputed, and a provisional credit rushed INCLUDING THE OVERDRAFT FEES REVERSED. 

Charge ( s ) w/ Dates Being Disputed : XX/XX/XXXX Overdraft Paid Fee {$36.00} times 4. 
XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Returned Fee {$36.00} times 2 XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX Tn {$400.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX Ga ( {$19.00} ) XX/XX/XXXX International Processing Fee XX/XX/XXXX card XXXX ( {$0.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX ( {$2.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( {$150.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX ( XXXX ) Total Disputed Charges w/ Fees : {$940.00}
Consumer complaint received 2022-10-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACQ Holdings, LLC. (IN)

First of all this company will not quit harassing me for payment on loan that i never applied for in the first place, second never recieved, and third they can not provide proof of any of the above. In fact when confronted about this, they stated that they deposited the loan into XXXX XXXX XXXX. Which I'm sorry we all know that's fradualant talk in the first place weather it be on their part, or the ignoramus that took that down as being a bank and issued a loan for someone in my names fraudulently. I can assure you that no such loan for the disclosed amount was ever deposited into my account and I can and will provide proof of that. Either way they have no means of accessing my account in any way. This harassment has got to stop.