davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account : XXXX XXXX XXXX Account # XXXX There are several inaccuracies listed on this account as follows : The Date of last activity is showing 3 different dates no way this is accurately reporting, The date of last payment is showing 2 different dates Close date does not match Last day of activity The presence of multiple dates for these fields is misleading and fails to meet the FCRAs accuracy standard ( 15 U.S.C. 1681e ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

On Tuesday XX/XX/XXXX I received the first phone message from Trans World Systems Inc., ( these are calls to my home number, that I do not answer, allowing calls to go to voicemail. ). The message was from XXXX XXXX at XXXX. I returned the call, XXXX XXXX was not available, they asked for my phone number and was told that I do not have an account with them. They must have dialed the wrong number. After receiving a call on XX/XX/XXXX I spoke with XXXX XXXX XXXX explaining that this is not my debt, please do not call again. I was told that my number would be removed. On Wednesday XX/XX/XXXX. I was called twice at XXXX XXXX and XXXX. I returned the call, explained previous conversations, and was told they were calling for a XXXX XXXX. I again said that there was no XXXX XXXX living here and to please remove my number. This same conversation was repeated again on Thursday XX/XX/XXXX.at XXXX XXXX, Saturday XX/XX/XXXX. at XXXX XXXX., Sunday XX/XX/XXXX. at XXXX XXXX., Monday XX/XX/XXXX.at XXXX XXXX. On Monday XX/XX/XXXX at XXXX XXXX.I again asked to have my number removed from their calling list. I was then given the names of two other people on their call list. I repeated to please remove my number and also asked for an alternate number to call if I received more calls.I then called XXXX at XXXX XXXX. and was assured that my number would be removed and I would not receive any more calls after 24 hours. Tuesday XX/XX/XXXX I received a message to call them giving me a ID code number of XXXX.Again calling on Wednesday XX/XX/XXXX. at XXXX XXXX. and this morning at about XXXX XXXX, I just deleted the message without bothering to return the call. At XXXX XXXX.I received another message .Every time that I call them and ask to speak to XXXX XXXX XXXX which is who I am supposed to talk to, they say he is unavailable. I explain that perhaps XXXX XXXX is not getting the message that he needs to stop calling me. I am not returning their calls, it is pointless to keep going through the same song and dance on a daily, sometimes several times daily with them. This is total harassment considering that we have had this same conversation so many times and have repeatedly requested they remove my number and stop calling me. Trans World Systems Inc. 
XXXX. XXXX XXXX XXXX DE XXXX XXXX.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CA)

Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business.
Consumer complaint received 2018-01-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

Freedom mortgage took over my mortgage on XX/XX/XXXX. They tried to give immediate relief but they said I needed more income. Then they said that I should fill out a loss mitigation packet. I filled out packet onXX/XX/XXXX and sent it over night. I spoke with someone on XX/XX/XXXX and set up a payment for XX/XX/XXXX for XXXX. But as we continued to talk he said he could n't set up another payment because of the letter that went out. He also said that any other payment should be western union. I told him that after the payment of XXXX on XX/XX/XXXX I could pay 2 payments on XX/XX/XXXX and another payment of XXXX at the end of the month XX/XX/XXXX.That would be a total of XXXX. He told me i should be fine he was going to try and extend the date of the letter fromXX/XX/XXXX to XX/XX/XXXX. But after the talk with the customer care dept. I mailed off the loss mitigation packet and went to my mailbox to open the letter from freedom mortgage. It 's a demand letter for all past due payments for XXXX no later XX/XX/XXXXand if payment in full is not made they will require full payment of the entire loan. So with all of the money I have coming in profit sharing and my pay checks to get back on track Freedom mortgage is going to take my home. I would like to believe that they are going to help but after all of the negative reviews from this company I believe that they will just take whatever I give them and if it 's not the total amount byXX/XX/XXXX they will keep it and sell my home. I was working with XXXX but they sold my mortgage to Freedom Mortgage. I have worked so hard to get my home at this point I feel as if my only option is to file bankruptcy. This is not what I want to do but letters speak louder than a Customer  service representative saying I should be fine over the phone.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (FL)

filed a complaint via BBB on XXXX/XXXX/XXXX compang replied that they would be providing validation of debt on XXXX/XXXX/XXXX but as of today XXXX/XXXX/XXXX nothing has been received and collection is still on credit reports
Consumer complaint received 2018-03-02
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. (CA)

I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX  XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XX/XX/XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report and noticed that some inaccurate accounts reporting. I submitted a dispute, and nothing has been resolved. I contacted the companies to request these inaccuracies be removed and did not get any response. I requested that these companies provide me proof that these accounts belong to me but no response. I've been working on this issue starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax Credit reporting has made the ONLINE process fo disputing incorrect reporting from our credit reports extremely complicated. I as well as friends and family, some of the same household are getting security questions that are " supposedly '' on our credit reports that are not actually on there. If we select " none of the above '' to the questions, we are being referred to mail in our dispute which takes several weeks or make the consumer less likely to proceed with filing the dispute. 

The problem is that we ARE able to access the same Equifax credit reporting if we use a 3rd party site, even by using XXXX or XXXX who actually displays the CORRECT security questions. We have also verified from the reports that the questions Equifax is asking are not on our Equifax reports. But we are not able to dispute as it has to be done directly thru Equifax. We are not experiencing any problem with disputes from XXXX OR XXXX. We have tried at different times to dispute with Equifax but they continue to display misleading security questions with records that are not even showing on our credit reports. We do understand that some of the questions are " trick '' questions. However, NONE of the 4 questions listed are on our reports, and when we select " None of the above '' it refers us to mail in our dispute. No one has the time to mail in a dispute and wait several weeks for a response on something that is extremely urgent in the first place.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

I am getting repeated threatening phone calls ( legal action calls ) for another person. 
I do n't answer the calls because the number is an " unknown or no caller I d available ''. 
They leave messages telling whoever they are calling that she or her attorney needs to contact them immediately. The same person does not always call. They leave a number XXXX and an extension #. Their name is XXXX  or something like that. 
They must be calling anyone with a similar last name and phishing for the person they are calling about. In any event, their practices are unethical and disgusting. 
Please stop this activity.
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (GA)

BB & T does not accurately post/report my payments. My mother in law makes a payment at the beginning of the month, I make a second payment to cover the mortgage by the XXXX of the month. BB & T has reported to the credit bureaus that i have been late forXX/XX/XXXXand XX/XX/XXXX -- that is incorrect and has impacted my credit score by a 100 points.

I spoke to a representative and was told that because I make 2 payments BBT, BBT software does not record the second payment and my account is put into a late status. I find this disturbing, as I make my payments with in the 30 days, yet, I am being reported as being late. I should not be penalized, because BB & T software does not accurately reflect my second payment. I am meeting my commitment of paying within the 30 days.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (TX)

I sent XXXX XXXX XXXX XXXX and Experian a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Consumer complaint received 2018-01-18
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. (TX)

I sent XXXX XXXX XXXX TransUnion, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (GA)

I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. 

Thank you! 

XXXX XXXX
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

I applied and was approved for the American Express Business Gold Rewards Card on XXXX/XXXX/XXXX. The offer at the time of application was XXXX American Express Membership rewards if I spent {$5000.00} within the first 3 months. I used the card to make purchases that met the threshold and was awarded the points on XXXX/XXXX/XXXX. After the points were awarded, I need to make a return of a purchase. American Express then removed the XXXX points from my account on XXXX/XXXX/XXXX. Per the original agreement I still had until XXXX/XXXX/XXXX to meet the minimum spend of {$5000.00} which I did on XXXX/XXXX/XXXX and posted to account prior to XXXX/XXXX/XXXX. I have spoken to customer service several times since meeting the minimum spend, each time with no resolution and only told to wait. I have now waited 2 months without resolution. I have met the terms of the agreement and should be given the XXXX points I earned.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (CA)

I request your help in enforcing your action against XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX, Case File No. XXXX. 

I recently began the process of buying a home, as part of a background check it was discovered that there is a judgement against me by Chase Bank through XXXX County Superior Court Case No. XXXX dated XXXX/XXXX/XXXX in the amount of {$3600.00} I was shocked to find this judgement because I was never served a Summons and was totally unaware of any legal action against me. 
XXXX Court records show that Chase Bank submitted a Proof of Service Summons and  Complaint saying that on XX/XX/XXXX they served me at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, this is not possible because I moved from this residence in XX/XX/XXXX 

So, I began looking into this and found your action against Chase Bank. 

The action ( Case File No. XXXX ) which addresses all Chase Bank credit accounts in Collections litigation, etc. that were pending anytime between XXXX XXXX XXXX and XXXX XXXX XXXX, clearly states that Chase Bank was involved in exactly the type of activity I have found myself a victim of. 

Please see paragraph 76 c. of your order of XXXX/XXXX/XXXX. 

I request your help in demanding that Chase Bank immediately take any and all necessary steps to remove this judgement from the court records. 

I have attached all XXXX County Superior Court records I could find. and ask you to also refer to your action against Chase Bank as listed above. 

thank you, XXXX XXXX
Consumer complaint received 2024-10-29
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. (PA)

I recently reviewed my credit report and noticed an account needing accurate reporting. I have two late payments on an account that I was paid on time. The consumer report agency needs to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ), I am now requesting you investigate this account and update this payment to pay on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-29
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)

According to law 15 USC 1681/1681S-2/1681 ( 5 ) 1681c ( b ), according to XXXX XXXX Transunion in XXXX XXXX XXXXXXXX is supposed to ensure maximum accuracy Please delete these inquiries ( ASAP ) 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 2024-10-30
Product: Credit reporting 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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, CA XXXX Dispute of Unauthorized Hard Inquiries and Identity Theft Dear TransUnion This letter formally disputes seven hard inquiries on my TransUnion credit report that I did not authorize. Here is a list of all seven inquiries and dates [ 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 XX/XX/XXXX ] this list of credit card applications, loan applications, etc., or describe the inconsistencies ; I have not applied for any credit or loans with these dates. I believe these inquiries are fraudulent and constitute identity theft. 

I have attached copy identity theft report ]. These documents demonstrate a lack of authorization on my part for these inquiries. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-01-18
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. (PA)

after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.