davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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 n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (FL)

hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to XXXX  asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (FL)

A company called XXXX is calling and texting family members because we share the same last name and that is harassment and embarrassing. They are threatening to contact my employer as well. A guy named XXXX called from XXXX. 

After the call I received this text. 

This message is solely for XXXX XXXX. This is XXXX trying to verify your location. Call our office directly at XXXX regarding your documents received. While calling back reference ID # XXXX. This is an attempt to collect a debt, any information obtained is used for that purpose.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

After many months of trying to get PayPal to send me my balance of {$50.00}. with no success, I called on XX/XX/XXXX. After a long cue I was able to speak with an offshore agent only to increase my frustration. I asked for a Supervisor numerous times before another long hold. After more than 45 minutes, I learned that although I have been a verified member since XXXX, PayPal policy will not allow them to send a check to my address of record because it is a po box XXXX 
In 14 years they had no problem taking money from my credit card with the billing address to the po box XXXX My account has always used this po box XXXX 

XX/XX/XXXX PayPal insisted on a home address ( as a victim of a violent crime mine is protected ). They asked for my drivers license. It also has my po box listed. They asked for a bank account, or a debit card. 
1. I tried to add a debit card numerous times to facilitate receiving my {$50.00} credit balance. Their system would not accept it. Each time prompting me to try again later - 2. I explained this to the supervisor who walked me through the steps- again their system would not accept my valid debit card. I asked him to please send me my money. He declined. He insisted on more personal information. 
3. I dont trust PayPal with my bank account based on all the complaints against PayPal .

4. I asked to close out my account- not add to their data base.

5. The Supervisor said I can not close my account with a credit balance.

6. They refuse to transfer my {$50.00} to my Visa credit card.

7. PayPal created a catch 22 situation to their benefit and consumer/ my detriment.

They refuse to release my funds and refuse to close my account and remove my credit card from my PayPal account.

Can you assist?

Can you request my account credit balance of {$50.00} be sent to CFPB?

Thank you,
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I just started a new insurance policy for USAA for both my home and auto. They provided me a quote for XXXX price at beginning in order to get my business. Afterwards they raised the rates for my auto and homeowners insurance. I have been in the phone with them for an hour now and I have been given a total of XXXX excuses as to why I was being overcharged on my auto insurance XXXX. Being penalized for my wifes sons accident who is not on the policy. 
XXXX. An at fault accident back in XXXX which should be the cause but according to policy it is not XXXX. An accident at fault back in XXXX which meets the 7 year statute of limitations for Oregon. 
XXXX. A ticket for riding a motorcycle without the endorsement which was a fix a ticket and I met the requirements to have removed. I switched from XXXX to USAA and XXXX did not charge me for that ticket and did not even mention it when I switched from XXXX to them. 



USAA appears to making up their own rules and overcharging me for a non applicable violation. When I investigated I was passed around to XXXX different departments who all gave me separate answers. So which one is it actually and why are they able to overcharge me for something that other companies did not even mention. 
The same standards should apply to every individual applicant for all insurance companies and the fact that this company claims to be the best for veterans I have yet to see that. Bait and switch is the tactic used to gain my business and the lack of direct support and clarity on this issue is what I am writing about and to inform the public of the reprehensible behavior and treatment of their staple clientele.
Consumer complaint received 2022-09-08
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. (OH)

In Accordance with the fair credit reporting act XXXX  XXXX, XXXX XXXX XXXX bank, XXXX bank, XXXX XXXX, and 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MN)

This is about Barclay bank XXXX XXXX XXXX XXXX XXXX de, XXXX. I canceled a credit card I had with them on XXXX XXXX. Balance was XXXX XX/XX/XXXX they sent me an email saying I owed XXXX. I called rep said a charge was put on the card for XXXX on XX/XX/XXXX. the other charges were late fees. I asked why I didn't receive a statement/bill in XXXX and I would have paid it. Couldn't get no answer. I asked for and never did receive a statement. I didn't know I owed this even. The phone number on the email was XXXX, the phone number I looked up and called because I thought the email was a scam was XXXX. This rep told me it wasn't a scam. Another number XXXX XXXX XXXX came up Barclays bank called my home 6 times a day 6 days a week, if I answered they never said anything so I stopped answering. What I thin happened was they did a 6 month audit, found the charge and sent me an email saying I owed this money trying to get me to pay 6 months back late fees that I should not have had to pay. The last email I got said if I didn't pay XXXX by XX/XX/XXXX they were going to charge off the account to a collection agency and try to have them get me to pay. I didn't want my credit hurt any more so I paid it in full XX/XX/XXXX, I feel XXXX was stolen from me and I should have only had to pay XXXX if I owed that and if i would have received a statement in XX/XX/XXXX i would have paid it. I think Barclays bank has a very poor way of treating customers and doing business.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (FL)

Experian is still inaccurately reporting bad data, and its been confirmed with the entity/credit card Co. that they do not show any missed payments. Still, Experian continues to show them as late causing major financial issues. This credit card company continues to say it is an Experian issue and not theirs.
Consumer complaint received 2022-07-29
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. (AZ)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$250.00}
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

On XXXX and XX/XX/2022 I sent a letter to Experian regarding two accounts they are reporting inaccurately. They are reporting the payment status wrong. Payment status should be current payment status and they have completely inaccurate status. 
XXXX is closed and paid in full - they payment status should read- PAID AS AGREED. 
XXXX XXXX is current and they are reporting a delinquent payment status- should read " paid or current ''. 

They have not communicated that an investigation has even started in over 60 days. 

Ive included both letters I wrote to them as well as my credit report for both accounts with the inaccurate info highlighted.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$250.00}
Consumer complaint received 2022-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2024-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account Identity Theft Dear XXXX, I am writing to formally dispute a fraudulent account reported by XXXX XXXX XXXX XXXX on my credit report. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX ( XXXXExperian ) Account Type : Open account ( Collection ) Date Opened : XX/XX/XXXX Balance : {$510.00} I believe this account is fraudulent and does not belong to me. I did not authorize this account, and I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and the removal of this fraudulent account from my credit report. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft, which I am including as supporting documentation. 
Please find attached copies of the following documents : 1. FTC Identity Theft Report. 
I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation. 
Thank you for your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-12-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

This collection company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently, I have constantly been harassed by phone calls, spam emails and additional accounts with various balances for one collection company.
Consumer complaint received 2022-10-13
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2022-11-30
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. (MO)

This is NOT a duplicate letter or a copy ...... THIS IS NOT A DUPLICATE or a COPY I am a real person trying to get answers on these fraudulent accounts. 

I sent a letter to XXXX and Trans Union on XX/XX/2022. However its been over 30 days and NOTHING. ( please help me ) .Is not making sense. They did not send my investigation back. When i checked out the laws it states Procedure in case of disputed accuracy.If the completeness of accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consume, and the consumer NOTIFIES the agency directly, or INDIRECTLY through a reseller, of such disputes, the agency shall, FREE OF CHARGE, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed info, or delete the item from the file according to paragraph five, before the 30 day period?
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit Management is sending letters to me and they claim that i owe them XXXX XXXX According to the information provided by them i was resident in California and opened a bank account with an address from California- but IT WAS NOT ME, i never lived in California, i have never even been in that state in my life. I lived in XXXX, XXXX  XXXX and XXXX  states only ( I live in XXXX state for about the past XXXX  years ). I did not own the bank account that they claim that i owned. I have no clue how and when my personal information was stolen, it seems that someone stole my ssn, opened a bank account under my name by providing an address from California, again i have never lived or been in CA. I did not open the bank account that they claim that i owned and did not borrow any money from anyone