davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (AZ)

Long term user of a Paypal account and Business Debit Card. Recently, my son paid his rent to our family via " friends and family '' of {$500.00} on XX/XX/2022. The money came into my Paypal account minus a fee of {$14.00}. I immediately refunded the {$500.00} payment to him which should have reversed the transaction and the Paypal fee of {$14.00}. 

Instead, they took {$500.00} from my corporate bank account to pay back my son and that took 10 days for him to get the money back into his bank account. 

I have spent over XXXX hours trying to get this fee refunded. 4 days ago, a Paypal representative said he would refund it. He lied, no such credit back to my debit Paypal account or bank took place. 

Today, I called again, after all, messaging for 12 days resulted in nobody at the other end responding. ( a joke and probably intentional so people give up ) I don't give up, ever. I warned Paypal I would turn them in today since the phone chat went badly and the supervisor on the line said the policy changed the day the transaction took place which was XX/XX/XXXX. She said no more friends and family will be allowed at XXXX fee " into '' a business account. 

She lied. I am attaching the email document that clearly states this policy was to be implemented in the future, which is XX/XX/2022! 

I think companies that lie openly need to be investigated by a major audit of all transactions when they are fraudulently taking hard-earned money in illegal fees and doing so against state lines. 

I encourage you to personally investigate them on a wide basis to uncover other transactions similar to mine in fraudulent activity and illegal fees taken.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

In early XX/XX/XXXX, I received a letter in the mail from TD Bank. The letter showed that an account had been made in my name using my social security number and address. My name was spelled wrong. I use TD for my checking and credit card account so I was surprised because I use paperless statements. The account showed that on XX/XX/XXXX, the IRS deposited the 3rd stimulus check of {$1400.00} to this account. Two days later, someone drained the account at a TD ATM and left {$12.00}. I immediately called TD Bank and went to the local branch after understanding what had happened. They closed the account and gave me identity theft materials. I have called several times to their fraud department and they are saying there is nothing they can do. I have submitted all necessary documents to the IRS, who are completing a payment trace. The IRS can tell me where the funds went but because they have been taken, I doubt I will ever get any of them back. TD failed in their security as clearly, this was a fraudulent account. Instead of resolving the issue and giving back the {$1400.00}, they are acting as if it is my fault and there is nothing they can do to help.
Consumer complaint received 2022-11-03
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. (MI)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have co-signed loans through Navient for attending XXXX XXXX XXXX. A family member co-signed. The University marketed the school as an institution with unique degrees and promoted a " XXXX '' influence for job placement. XXXX frame. 
I have graduated with a degree but no support with career placement. The fields are extremely competitive, and opportunities are few. Navient at no time offered an incomebased payment plan. Deferment and forbearance are their game. It is reprehensible that this entity of our government is allowed to continue these financial practices. There are as you are aware, substantial complaints and lawsuits with Navient. I am saddled with a debt that can never be paid off as the interest has accumulated. Please assist! Please intervene!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC (KY)

XX/XX/XXXX until as recently as XX/XX/XXXX He keeps calling saying I owe a medical bill that XXXX didn't pay from XXXX. I have never had XXXX insurance. I worked for the XXXX and have had and have currently XXXX XXXX XXXX XXXX XXXX He said it is for a small amount of {$110.00} but will settle for {$75.00}. There could be no way this is my bill because I have to show driver license and my insurance card to my doctor and they take a picture to keep on file. The number is XXXX Capital Link Management, He said if I don't pay they will report it to the credit bureau.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Date Credit card was open XX/XX/2022 I made my first purchase for {$170.00} XXXX XXXX, XXXX XX/XX/2022 I called to pay the balance off, spoke with a representative, who I ask, what method of payment can I used, representative said bank information only ( PULL THE CALL ) capital one restored amount available back to {$200.00}. 
I made another purchase, this time {$100.00}. 
Received a letter from Capital One stating : XXXX XXXX XXXX payment return on XX/XX/2022 due to invalid account number I have been established for 6 years with my bank never this problem. 
XXXX  manger XXXX XXXX on XXXX XXXX who place an investigation case number XXXX XXXX said someone will contact me with the result. I did not receive a response. 
I call back s/w XXXX ID XXXX XXXX who said that I gave the 2 sets of bank information number very interest call he kept contradicting his opinion on the matter ( pull the call ) I could not understand why my bank information was invalid I call my bank, the XXXX said account show no electronic payment ( I have the letter head from the bank ) I called capital one to receive some clarity and spoke to a Representative who couldnt tell me no more than what I am telling her? ( Pull the call ) account invalid. 
I told the representative that I want to clear the balance I use XXXXXXXX XXXX XXXX information. amount XXXX on XXXX XXXX THAT payment was return XX/XX/2022 no transaction code I spoke to a supervisor XXXX ID # B XXXX on XXXX XXXX ; I asked her if we could do a conference call with XXXX ( pull the call ). She said yes so thats how WE found out that XXXX XXXX only allows electronic payments for Direct Deposit. 
supervisor looks up different location for capital one, XXXX XXXX XXXX made a payment of {$50.00} that day on XXXX XXXX Payment billing cycle is due XX/XX/2022, Capital one close the account XXXX XXXX Capital, one has me as fraud after speaking to numerous representative and supervisor ( no one care ) STEAL, why would I call in trying to make payment on account? 
a representative took the wrong account number down and she caused my account to be closed. 
No one will listen to me and trying to receive assistance from Capital one is impossible. 
Capital one does not care about their customer Me. 
Capital one close my account on XXXX XXXX XX/XX/2022 place my account collection place on my credit report. 
payment not due until XX/XX/2022
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I have disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( XXXX XXXX XXXX XXXX XXXX in which I have included a letter stating that and XXXX  also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have disputed an entry on my credit report with XXXX XXXX concerning XXXX Bankruptcy and the only response I receive is verified information so how is it verified information if the courts do not report to the ( 3 ) Credit Reporting Agencies in which I have included a letter stating that and XXXX also has stated they do not report to the credit reporting agencies it is also included so if the information is not verified from the original creditor how is it verified information? 
I have asked for validation of notice of how and from whom this information was verified with and no response the only letter I receive back is verified information which is not verified cause the original creditor does not report to the credit reporting agencies.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Dear CFPB, In XXXX through XX/XX/XXXX Select Portfolio Servicing ( SPS ) approved me for COVID-19 Forbearance Plans ( *with no impact and no negative credit reporting to my credit file ) of which I rmade all of the payments. 

SPS then approved me for a COVID-19 Permanent Modification ( {$1500.00} per month ) in XX/XX/XXXX, which was also under conditions that the COVID-19 Permanent Modification would not negatively impact my credit. 
SPS Representatives informed me on their website, by telephone and written correspondence that my account would be reported as current and there would not be any negative impact to my Credit File/Credit Score for being approved for SPS 's XXXX Forbearance and Loan Modification Plans. 

As of today, XX/XX/XXXX, I have remained current and have never been late on any of my mortgage payments On XX/XX/XXXX, I received a Credit Alert from XXXX that indicated SPS Flagged my Credit File as a Loan Modification. By " Flagging '' my mortgage as a Loan Modification, SPS has caused negative impact and negative credit reporting to be placed in my Credit File. 

As a result, SPS has not honored their stated/agreed upon conditions that the COVID-19 Forbearance Plans and COVID-19 Loan Modification would not have any impact to and would not negatively impact my Credit File/Score. 

As of XX/XX/XXXX, my Experian Dispute Results on my Credit File reflect SPS listing my Principle Balance as {$190000.00}. This is incorrect as my Outstanding Principle Balance on my SPS Statement reflects the correct balance as {$190000.00} ( see uploaded attachment ). 

Please note that I DO NOT have PMI and my mortgage payment of {$1500.00} includes property taxes, escrow and Home Owner 's Insurance. It may be possible that SPS is not properly and/or inaccurately distributing and not taking into account my mortgage payments since Late XXXX through XXXX of XXXX to include property Taxes, Escrow, and Home Owner 's These are SPS 's error to correct and not mine. My Credit File/Credit Report should not be negatively impacted because of SPS not keeping their conditions by placing negative information on my Credit File/Credit Report, along with errors, inaccuracies, and incorrect information reported by SPS. 

Additionally, I have made several complaints with the CFPB against SPS in the recent past of XXXX and in XXXX for inaccurate credit reporting ( inaccurate balances ) and related issues that have negatively impacted my Credit File/Credit Report, but were subsequently corrected by SPS. 

Thank you for your help. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-10
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. (CA)

The letter below was mailed out to Experian on XX/XX/XXXX. They never mailed anything to me, however on their Experian website in their dispute center they entered information on XX/XX/XXXX stating the account in question has been verified. There is no way they did a proper investigation into this matter. 

Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian Just to be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, What are your investigation procedures for this account? I need a full investigation done and a full report. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

I am tracking all letters and waiting.
Consumer complaint received 2022-06-16
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. (VA)

On XX/XX/2022 I Sent A Dispute To Equifax About Accounts Account Number : XXXX Account Number : XXXX Account Number : XXXX I never Received Any Response i Then Sent A Demand To Comply Letter On XX/XX/2022 I Never Received And Response And Then I Sent A 3rd Letter Letting Them Know They Broke The Law By Refusing To Investigate These " Alleged '' Accounts Equifax Also Faile To Update The Remarks On My Credit Report As " Disputed '' So This Means Equifax Did Not File Any Dispute On My Behalf Which Is A FCRA Violation Equifax Has Been Causing Me Mental Anguish By Refusing To Investigate These Alleged Accounts I Want Proof That These Accounts Are In Fact Mine Further More I Never Gave Equifax Written Instructions To Furnish Any Information About Me I Plan To Seek Litigation {$1000.00} Per Violation If They Do Not Make This Right And Remove These Accounts It Has Been Over 90 Days And I Have Not Recived Any Valid Proof Of These Accounts Meaning A Contract Bearing My Signature I Do Not Want Statements I Want My Name On A Contract WIth These Companys And I Do Not Want A E-Oscar Response I Want A Human To Respond
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OR)

Debt was fraudulently reported to credit agency, and can not be verified. The company reporting the debt claims they obtained it in XXXX, based on a " previous debt '' originated in XXXX. The company has made no attempt to collect, but has reported this fraudulent debt to XXXX, who then has taken action against my credit. I have never owed debt to the original creditor XXXX XXXX XXXX XXXX ), and this debt is the result of identity theft or fraudulent reporting practices.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.