davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (PA)

I have submitted multiple disputes with Transunion via Transunion direct dispute online regarding incorrectly reporting late payments for a XXXX account. The reinvestigations per Transunion were said to be confirmed by XXXX to be reported accurately. I have since submitted disputes with proof including statements from my bank and statements/emails directly from XXXX admitting they had inaccurately reported lates to the bureaus, without any success. Additionally, on XX/XX/XXXX I submitted a complaint through the CFPB, with no success. Transunion wont even reconsider my dispute, with the proof. I have attached proof from the company themselves stating they inaccurately reported a 30 day late XX/XX/XXXX, a 60 day late XX/XX/XXXX and a 90 day late XX/XX/XXXX. This needs to be updated as its affecting my credit and negatively impacting my current creditors willingness to extend and/or keep my credit lines open! Ive already had lines decreased because of consistent inaccurate reporting! I have also disputed with XXXX  and XXXX, both of which currently reflect the account as current with no negative information or lates reporting.
Consumer complaint received 2020-06-23
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. (NY)

I have several items on my credit that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX {$300.00} XXXX {$680.00} XXXX {$2800.00}
Consumer complaint received 2020-11-27
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc. (VA)

Vital Recovery contacted me in XX/XX/2020 about a payday loan on behalf of XXXX XXXX for {$1300.00}. We agreed to a pay off settlement of {$550.00} to be paid in 3 monthly installments. My first payment of {$180.00} was completed XX/XX/2020, My second payment was scheduled fore XX/XX/2020 but due to a financial hardship I called Vital Recovery and moved my payment to XX/XX/2020, which XXXX XXXX agreed to. Both payments were successful. However, I was notified my Virginia Unemployment that my extended benefit would end XX/XX/2020. I called Vital Recovery to move my last payment of {$180.00} from XX/XX/2020 to XX/XX/2020. XXXX stated since I moved my last payment and this would be a second time to move my payment they would not be able to honor the settlement agreement. She stated that I would have to pay the full balance. I explained that I do not have a job and would not be able to pay. I just wanted to move the payment of {$180.00} to the end of XX/XX/2020. XXXX stated that her manager stated they could not set up any payments for anything else but the full balance. I am not working and not sure when I will be working again. I mentioned that I would not be able to pay anything until maybe tax time but it would not be guarantee. She noted that she would make a note that I would pay it during tax time.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I called Chase Business Card customer service because I was interested in doing a balance transfer from my personal to my business credit card. When I called, I asked if this is something that I would be able to do immediately upon approval and the answer was yes. To double-check, I read the pricing terms and conditions, in there it stated that it could be done based on creditworthiness. 

I was approved for the credit card and wanted to start the balance transfer process. To my surprise, I was told that the balance transfer opinion was no longer available. I found this very shocking as I was just told by someone else that this would be okay. Chase Bank 's reasoning behind this was that I didn't receive a promotion at random to do a balance transfer. I felt completely misled, as I was told something different. From then on, I was told there was nothing that they could do to help me. I went into a branch for assistance and to file a complaint I have not heard back from anyone. 

If I had known that this would happen, I would have never applied for the credit. This was very unfair to be misled, especially since I was told that everything was okay before I submitted my application. I do not want this to happen to anyone
Consumer complaint received 2023-02-27
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. (WA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-11-27
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: AFNI INC. (NY)

There are 2 fraudulent collection accounts on my credit. XXXX XXXX AND AFNI. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
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: EQUIFAX, INC. (FL)

I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (OH)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-07
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. (OK)

Yes all three credit reporting companies have a low low credit score for me... the problem is I have alot of paid off debt with little to no missed payments ... I recently applied for credit with a company and they responded to me with a question asking me why my credit scores are so low that I have a lot of paid off debt and that he has never seen someone with the amount of paid off debt have such a low score ... I was told that I should seek assistance with the problem because it's causing me a lot of damages
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: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX  I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$44.00}
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I called on XXXX XXXX 2023 they didnt resolve it.I indicated that I had no contract with any of these companies.It was told to that it was disputed two times and came back in there favor.
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions (FL)

THE DEBIT COLLECTOR HAS BEEN NOTIFIED SEVERAL TIMES THAT I DO NOT OWE FOR THIS DEBIT AND THAT IT HAS BEEN PAID OFF. INSTEAD, THEY CHOOSE TO IGNORE THE FACTS AND REPORT TO XXXX THAT I STILL OWE THE DEBIT. THIS SITUATION WAS ALSO DEALT WITH EARLIER THROUGH THE XXXX AND THE SETTLEMENT THAT THE DEBIT COLLECTOR WOULD HALT ALL ATTEMPTS TO COLLECT AN INVALID ACCOUNT AND REMOVE ALL INFORMATION FROM THE CREDIT BUREAUS. I WAS ALSO NOTIFIED BY THE BUSINESS OFFICE OF THE PHYSICIAN THROUGH THE DEBIT COLLECTOR THAT THE ACCOUNT WAS WIPED CLEAN AND NO DOLLAR AMOUNT WAS OWED. SINCE I HAVE BEEN CALLED BY THIS COLLECTOR AND THE PHYSICIAN 'S BUSINESS OFFICE SEVERAL TIMES.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CT)

Hi, I was mislead by a XXXX XXXX in my local area. They advertise on their website a XXXX monthly membership and I was never provided with a physical or digital contract. They have several complaints against them in the form of online reviews about their deceptive and unreasonable tactics that force people to stay in contracts against their will and their customer service refused to respond to me until I threatened to go to the XXXX. They refuse to cancel my membership though they falsely advertised a XXXX monthly plan and there was no contract provided to me stating this was an annual contract that also has hidden fees ( some customers paid XXXX in hidden fees, I was charged XXXX so the amount seems arbitrary ) .Many customers and myself believe these tactics may warrant further investigation into possible fraud. I have attached the contract they say I am allegedly obligated to, which was printed and populated with my information, but never signed or presented to me at the time of registration. They deliberately make it virtually impossible to cancel, requiring certified mail within exactly XXXX  months of initial registration- in which case they will charge for XXXX calendar months. If this is not sent in that exact time frame they sign you up for another XXXX months. The sentiment online with over XXXX XXXX XXXX is that this company is fradulent and intentionally coerces people into continuing payment to them long after no longer using their services. I lost my debit card in XXXX and sent an email to cancel my membership and got no response to customer service. They sent a collections for XXXX ( XXXX x XXXX XXXX  a month should be XXXX ) and refuse to cancel my plan. I want my membership cancelled and I do not feel like I should be required to pay that amount because I sent an email to customer service about cancellation and was never informed of the terms and I have not used the services since XXXX XXXX XXXX. Many customers have had this experience and have been coerced and XXXX XXXX  into paying these hidden fees and forced into never ending monthly payment by this XXXX Their website does not list these terms anywhere digitally and the contract is never presented in person either. 

They have XXXX XXXX star XXXX  reviews and XXXX complaints in the last XXXX years and have aXXXX XXXX XXXX 
XXXX XXXX XXXX On top of my personal resolution, I think this company may warrant a fraud investigation. There are multiple reports of them intentionally not cancelling memberships and lying and providing to give information to customers about the terms of membership.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

This complaint involves EVERY person who has loans through XXXX. XXXX is making a tremendous amount of extra money, and it is costing ALL borrowers. With XXXX 's payment system, if you are scheduled to have a monthly payment, the payment is always delayed 1-2 days, sometimes even up to 5 days if it occurs prior to a weekend with a holiday. This delay in processing a regular, recurring payment to student loans allows the interest to continue to accumulate over those next couple days. 
So this may be a common practice. My mortgage company does the same. However, this same practice occurs even when trying to make an unscheduled, 1-time payment, as if you were trying to pay down a loan. For example, if you have a smaller loan, of say {$2000.00} you have been saving money on and would like to pay it off, you can not simply select the loan of $ XXXX and pay it off at that amount. You have to request a payoff amount, which would be the {$2000.00} plus the interest it builds over the course of 2-3 days. That may amount to the price of a XXXX coffee for one person 's $ XXXX loan. But if you consider how many clients, the amount of student loans there are in the U.S. and consider the amount of time ( in years ) borrows take to pay off their loans, the amount of extra money XXXX makes on this lag-time interest is incalculable. If I want to make an extra payment on a credit card, my house, or a car, in order to pay it off early, those extra payments are deducted off my principle immediately. This is not so with XXXX. Once an extra payment is made to the principle, that balance continues to grow over the course of 2-3 days and then the payment is processed. 
XXXX is making a tremendous amount of money off borrowers due to this.
Consumer complaint received 2023-02-27
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)

My credit report contains a significant number of unauthorized requests, as well as reporting of fraudulent accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following items off of my Credit File the sooner the better : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. PLeas eacomply with the Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.