davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2023-02-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2
 
DID NOT REQUEST THSE INQURIES
Consumer complaint received 2023-01-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-05-28
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NC)

The company transworlds systems inc/XXXX has reported derogatory account 3 times on my credit in the same month. I called them and told them they could not report 3 times in one month on my credit, and they said they had no control over it because it was an automated system, which means they know what they are doing is wrong but are blaming it on the a computer program to say its not their fault. Yet the program is controlled by them, which is means they have direct control of when and how many times it reports. I am fine with the one time but they then lied to me saying it wont hurt my credit yet they are reporting 3 times which directly does effect my credit.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}
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: Experian Information Solutions Inc. (NC)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on the XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-150 ) days late on partial account numbers XXXX and XXXX. Experian is reporting incorrectly that I am ( 150 ) days late on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

After moving from a previous apartment in XX/XX/2021, I called XXXX to disconnect my service as it was no longer needed. Over the phone, XXXX agreed to disconnect the service. They did not and continued to bill me for internet service even though I no longer lived in the apartment. They then sent me to collections XX/XX/2021 for a balance that I didn't owe.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago. This is causing me further financial harm and leaving me with little recourse I may have to get an attorney involved. I had send an email to XXXX XXXX XXXX XXXX hopefully I will get some response.
Consumer complaint received 2020-05-27
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I currently have my credit frozen with all 3 major agencies ( TransUnion, XXXX, and XXXX ) but am needing to temporarily lift the freeze to apply for a line of credit. When logging into TransUnion, it forced me to create a new password which I did but the status of my freeze on their website says " UNKNOWN '' and to contact an agent at the phone number provided. I called and was hung up on by their robot answering machine 3 times, finally reached an agent that also hung up on me, then got in contact via text just to be told they can't help me because my login information ( that I just changed ) was incorrect. I changed my password again and got the same error message. When I change my password, the site redirects you to your home page but then when I log out and attempt to log back in, it says my information is incorrect. I have not been able to successfully reset a password, reach an agent, or check the status of my freeze for hours now.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

On XXXX XX/XX/XXXX, I purchased XXXX NetSpend prepaid cards at a XXXX XXXX and paid for them at checkout, as well as pre-loading {$40.00} on each one ( totaling {$240.00} ). 

I did not understand that they are not gift cards, that they have fees I consider unreasonable, and that they would require identity verification before the recipient could use them. When I got home, I discovered these problems, and decided not to give them as gifts and just return them and get my money back. However, XXXX XXXX not accept the return, saying they could not get the pre-loaded money back. 

On XXXX XX/XX/XXXX, I called XXXX to ask if I could return the cards. They said I could not because they can not get the pre-loaded money back. 

I proceeded to try to activate the cards through netspend.com/activate, as printed on the sticker on the card. I was able to activate XXXX card, and the {$40.00} showed up in my account. However, I could not activate the remaining XXXX cards, or otherwise transfer the funds I had preloaded on those cards to my account. 

I then called NetSpend support and explained that I was trying to get my money back on these XXXX cards. The phone call lasted XXXX minutes and ended with instructions to activate the cards through their website, which I had already tried and still wasn't working. 

On XXXX XX/XX/XXXX, I again contacted NetSpend through their Secure Email function on NetSpend 's website while signed into my account, explaining the situation, and asking for the funds to be returned. I again was provided with instructions that did not help. I replied explaining that the provided instructions did not resolve the issue, and NetSpend offered no solution, simply telling me that for security reasons, I would have to call in to resolve the issue. 

NetSpend is denying me access to the funds I pre-loaded, and I want my funds returned. I do not want the cards.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Santander Consumer USA Holdings Inc. (TX)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-12
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. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights. 


XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX Account XXXX XXXX. Validate Account XXXX XXXX  Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

This loan company has giving me the run around about helping me with Modification from the beginning, I got divorced and the court assigned the home to me, I got behind on payments because my exhusband refused to help me in good terms, I had totake him to court to obtain help and that took months and i was told by the loan company apply for modification, I have send 3 applications and they keep denying it, every time they give me a different reason, just today again they told me because of a modification back on 2011, if that is the reason why they didn't see that at the beginning when I fist applied, I am not on the Loan but I am the person paying and living in the property, I did explained my situation that when I first got behind a payment my ex husband didn't want to speak to them about any kind of assistance, he told me that he didn't want nothing to do with the house and I was on my own, he refused to speak to them, The loan company told me that he was the only one that can request help, my foreclosure is suspended now because of the Corona Virus but after this passes I still need the help, can you please help, thank you
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from XXXX XXXX so I can be approved to but me a home this year. 
However, the original creditor is CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2022 I was reached out to via XXXX XXXX by a XXXX XXXX. She said that she liked my profile picture that I had for XXXX, and would like to use it for inspiration for a mural that she is doing for a business. She told me that she would compensate me for using my picture. I saw that we had a XXXX friend ( who I know personally ) in common, and decided to go with it. She emailed me a check for {$3500.00}, and I cashed this check through the mobile deposit my bank has on its app. After I cashed the check, XXXX XXXX began demanding that I send money to XXXX different people ( XXXX XXXX and XXXX XXXX ) for their art supplies. I questioned XXXX XXXX about this, and she continued to demand about me sending money to these people for the monetary value of {$1000.00} each, and the rest of the money I would be able to keep. I still questioned her about it, since she claimed to be a business woman, and she began to threaten me. She told me that she would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I gave in and transfered a total of {$2000.00} ( {$1000.00} to XXXX XXXX and {$1000.00} to XXXX XXXX ) through XXXX and PayPal. 
The next day, XX/XX/XXXX, my bank contacted me and I told them what had happened. They told me that since I transferred money, I XXXX not be able to get any money back. They did give me a XXXX credit for the PayPal transaction. I contacted local police, and reported on reportfraud.ftc.gov. The check of {$3500.00} bounced back, and I was left with {$2000.00} less in my bank account. XXXX business days later, my bank sent me a document that the report that they made for fraud was declined. 
I have been receiving emails and messages from various people that have been still threatening.