davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received Transunions response to a previous dispute dated XX/XX/2019 which state that the accounts where either updated or verified. DEPT OF VETERANS AFFAIRS # XXXX .... DEPT OF VETERANS AFFAIRS # XXXX .... On Monday, XX/XX/2019, at XXXX EST, I contacted Transunion via recorded phone call and requested the method of verification, for the listed accounts above. I requested that I be made available to the information in writing, in which Transunion verified/updated. I requested : The persons name they verified the dispute with and also any and all documentation used to verify/update the dispute. I asked that the information be mailed to me within the allotted time designated by the FCRA. After not receiving the information requested, I made an additional phone call to Transunion and spoke with a Representative, via another recorded phone call on Monday, XX/XX/2019 @ XXXX EST. I informed the rep. that I had previously requested the method of verification via phone, be mailed to me. Exercising my rights under the FCRA. I informed the rep that Transunion is currently in violation of the FCRA fair credit reporting act, as I have not been provided the infomation that I requested. I was told that I could request the information from the creditor. And I again quoted the laws of FCRA. As stated in FCRA 611 ( a ) ( 7 ) you must provide the information for the following accounts no later than 15 days after receiving this request. In accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This was not a request for a reinvestigation of the previous dispute. Several times, I was asked if I wanted to open a dispute and I told her several times that I did not want to open a dispute at this time ; that I called to express my concerns why the information requested had not been provided, as stated by law. I explained that I told the the previous representative this was not a reinvestigation but rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 
I do have proof of the conversations with Transunion, as the company states that the calls may be monitored, and in the state of NC, only one person has to give consent for a conversation to be recorded. I too have a recording of this conversation and can provide proof.
Consumer complaint received 2022-08-11
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: CITIBANK, N.A. (VA)

I over paid my Macy 's payment due in XX/XX/2022. Therefore, I should not have had a payment for XXXX XXXXThey reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022. In fact instead of being delinquent, Macy 's customer care stated I had a store credit of XXXX. 
Macy 's is reporting me inaccurately and has refused to change the account status. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the alleged missed payment. 

The account has been paid in Full for Macy 's Store Charge Card with Macy 's owing me money.
Consumer complaint received 2019-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2019 I sold 2 of XXXX XXXX XXXX XXXX season tickets for {$700.00} to a game I could not attend to, XXXX XXXX. I agreed to use PayPal to guarantee a safe and secure transaction. Having used PayPal many times before I was confident in getting paid. A Paypal request was made to XXXX. Several hours after the money was deposited in my account from XXXX I electronically transferred the tickets directly from my account to XXXX. The XXXX XXXX XXXX confirmed that they were down loaded from that email address. A week after the game was played I get a notice from PayPal stating that XXXX is disputing the transaction stating it was an " unauthorized " transaction. The tickets were transferred and downloaded to the same account as the PayPal payment was received. PayPal should make good on this transaction under their sellers protection policy. XXXX XXXX phone is XXXX XXXX XXXX which has restrictions on and I can't call back. This was a scam that PayPal was a part of. 

PayPal Case ID XXXX
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CT)

Round Point Mortgage keeps charging us the wrong amount for our town taxes, they are stating the town is at fault. Our local town clerk has all of the documentation they have send the correct tax information year over year. They raised our mortgage said we where not paying enough into our escrow account, then said we are paying to much lowered our mortgage and gave us an escrow refund check, now again they are saying we under payed and have raised our monthly payment over {$300.00} a month. They also stated our PMI was falling off in XXXX now they are telling us XXXX even thought they have documentation our the previous customer service person stating it should be falling off in XXXX. Our mortgage this year went from XXXX to XXXX which we can not afford to pay they offered to spread out the shortage over 24 months to help lower the payment. My concern is whats going to happen next year? They overcharged us thousands for taxes one year even though the town mill rate proved we would not need to pay that much in tax, will they falsely raise our taxes again next year? We will no longer be able to afford our mortgage. With the increase this year we can barely make payments already. what are our options we need help. 

thank you XXXX XXXX
Consumer complaint received 2019-02-27
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. (WI)

I have called on sereveral occasion, s credit one would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XXXX of 2018, XXXX XXXX and XXXX all of 2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX  and broke the law. We filed XXXX of 2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of people.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT WORLD SERVICES, INC. (LA)

XXXX CREDIT REPORT COLLECTION ACCOUNT : CREDIT WORLD SERVICE XXXX {$110.00} XXXX XXXX XXXX, KS XXXX THIS IS MY 2ND ATTEMP AN DISPUTING THIS ACCOUNT, I NEVER RECEIVED A THE PROPER NOTICE/ LETTER FROM CREDIT WORLD SERVICE COLLECTION AGENCY.THIS ACCORDING TO " THE CARES ACT '' THEY ARE NOT TO REPORTING TO COLLECTION AGENCY WITHOUT PROPER NOTICE. ALSO ACCORDING TO THE CFPB MUST ISSUE EMERGENCY GUIDANCE ON DEBT COLLECTION DURING THE PANDEMIC " REQUIRE NOTICE BEFORE CREDIT REPORTING '' COLLECTORS SHOULD PROVIDE CONSUMERS WITH NOTICE ABOUT ALLEGED DEBTS BEFORE " PARKING '' THEM ON A CONSUMER 'S CREDIT REPORT. THIS WAS DURING THE " PANDEMIC '' I LOST MY JOB DOING THAT TIME
Consumer complaint received 2019-02-27
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: I.Q. DATA INTERNATIONAL, INC. (MI)

My wife & I are currently homeless. We are trying to find an apartment, a home, a mobile home.. anything.. but they all run a credit check.. As of XX/XX/XXXX a judgement has shown up from an eviction that happened 5-6 years ago. My wife went in my place to court regarding the eviction. She spoke with the judge & the attorney representing the apartment complex.. my wife explained our situation.. I was having a mental breakdown.. their attorney informed my wife if we were moved out within 10 days they would not file a judgement for the reminder of the lease. We were out before the 10 days was up.. 
Now there is a judgement on my credit file.. I have Never Ever been served. 

On XX/XX/XXXX at approximately XXXX EST I called the original creditor who said, call this number, I called that number & spoke with a woman who said I needed to call so & so at this number.. 5 calls later, 8 total, I was told to call their debt collection agency.. 
I called IQ Data International to set up a payment plan, but when I asked the female debt collector about the balance due, she said that she couldnt provide the balance information unless I gave her my bank account information and set up automatic withdrawals. After several minutes of going round & round, I explained that I know the laws regarding debt collection, seeing as I was a debt collector for 15 years. 
I finally got the balance of {$2600.00} but the original judgment on my credit report says {$2200.00}. The debt collector couldn't explain the discrepancies in the amount. 
When I suggested alternative methods of payment, the debt collector was rude and said that company only accepts payments on " its '' terms. 

When I asked to speak to a supervisor, the debt collector told me that she was the supervisor and then threatened to mark my account as refused to pay, and threatened to take legal action against me! I explained I love in SSI & you can't garnish that. She claimed she can garnish anything, watch her!! 

When I said that I was willing to make a payment, but wasnt comfortable sharing my bank account information & would feel more comfortable mailing in a money order the debt collector hung up on me!!! 

IQ Data Internationalviolated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by threatening to take legal action without actually intending to do so ; and by employing false and deceptive means to collect a debt. IQ Data International violated my rights under the Fair Debt Collection  Practices Act. 

I am in the process of figuring out how to file subsequent claims with the Michigan Attorney General, the FTC, the CFPB, the XXXX XXXX XXXX & any other agencies that I can file a complaint with.
Consumer complaint received 2022-08-11
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. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX  and I received no reply.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was XXXX in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXXr/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

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 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing.
Consumer complaint received 2022-08-11
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

XXXX5 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (GA)

Unauthorized Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on Equifax XXXX 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
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Transunion & XXXX is reporting inaccurate Information from XXXX XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

When you log into your account there is a " virtual card '' feature to get a virtual card number to use in certain situations where you might not want to give your actual physical card number due to fraud concerns. The only way to access this virtual card is through a phone number which if Iam not home I cant get access to the virtual card. 

There use to be an option to have the security code e-mailed to you, I need that feature back or I am being discriminated against for not having a cell phone. I can not use this feature unless I am home. 

I opened a ticket XXXX but they never responded
Consumer complaint received 2022-08-11
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. (SC)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

To whom it may concern, I am writing to request information about the account XXXX XXXX BANK on my credit reports EQUIFAX, XXXX, XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.