davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CU with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

I applied for a Discover It credit card and it was initially declined, but after providing additional documents it was approved and a card was sent to me. After receiving it and trying to activate Discover stated I had to send them my tax returns before I can activate it. I refused to send them my tax returns since I already sent them enough information for a low end credit card. Even though I couldn't activate the card, they reported my account opened to the credit bureaus. If I wasn't qualified for the card they should have never approved me. 

Here are the dates : XX/XX/XXXX : Applied for card XXXX : Asked to upload bank statements, SSN Card, and confirm address, which I did and called in and they stated I was approved. 
XXXX : Started getting emails from XXXX to sign an IRS consent form 4506-T 9/9 : Received an email saying I was approved XX/XX/XXXX : Received the card and tried to activate it and was told I couldn't unless I provided my tax returns, Discover stated my account was opened and they will close it if I don't provided my tax returns. 
XX/XX/XXXX : I started getting notices from the credit bureaus that Discover opened the account. 
XX/XX/XXXX : Received an email from Discover saying my account was closed. 

If I didn't qualify for the account Discover should have never opened the account. It's horrible practice to open an account and even before I can activate it demand more information. This hurts my credit since it shows as a short term account. 

I would like Discover to activate the card or remove the account from the credit bureaus.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (CO)

I have already contacted you guys about this and its not resovled and the business is with holding court sealed documents that i provied them with showing i was incarcerated during the time of this account i was incarcerated on 2 separate cases and i served 2 separate sentences for both cases and i provide the business with both documents of this and you guys just let them close the account well its not mine i want it removed off my credit report its not mine so i dont want it closed so its a negative report on my credit yes i may make mistakes but i pay my bills when i have them but this is just not right ive never in my life been to a speedy cash my wife works at money tree here in Colorado if i wanted a pay day loan thats were i would have went so there not removing it and its not mine. My wife works for a pay day loan place and she said by law when a person gets a loan they should have finger printed documents from the person receving the loan well they need to provide these documents because those finger prints will have the proof that its not me ive been a victim of theft someone has stole my identity and i want this removed not closed i want it removed off my credit or i will have to hire a lawer to handle both of these companies that are letting people use my name in theft which is also a crime in it self and i will not let thus go on this is not my account please contact this company and have it removed from my credit not closed because closed is stating its still mine and it shows up on my credit this is not my account its some stealing my identity and it should be removed all the way off my credit report i have court sealed documentes that i will provide you with that shows i was incarcerated during the time this account was opened and ask the companys which are envoled in this act of crime against me and have them remove this completely off my credit report not just close it because its not mine i should not have a debt on my credit if it is not mine i want it removed.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I ordered a bedroom set from Kohls. I received everything but the dresser that for some reason never shipped. I have contacted Kohls repeatedly to get a refund for the item. They have opened multiple tickets to investigate and keep coming back saying yes you never received it, we will issue a refund. I am told anywhere from 2-7 days and I never get it. I have made multiple phone calls as well as emails communications over this issue. I called again today and was told they will not issue a credit until the third party vendor they used says why they didn't ship it. I don't care why they didn't, they didn't and I want the money back. The items was XXXX. During one of the calls I told them I still need a dresser so they placed a 2nd order for the item again at XXXX. I did receive the 2nd one and was told at that point I would get the credit back for the 1st about the same time I got the 2nd dresser. Again this has been going on since XX/XX/XXXX and as of today there is still no refund. Here are the dates I have called, I believe there are a couple more early in the process but honestly didn't think I needed to be to tracking that closing. 
XXXX, XXXX. Email communications are from XXXX thru XXXX.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DC)

I am receiving debt collection calls every day from PayPal Credit to pay a debt that I incurred when making a {$3000.00} charitable donation through PayPal. The donation was intentionally made on XX/XX/2017 and was not fraudulent. However, I have been disputing the nearly {$500.00} in finance charges and fees that accrued during a 6-month XXXX percent interest period and that continue to accrue while I work towards a resolution. The current balance is XXXX. I have spoken with PayPal Credit 's disputes department and, as suggested by the disputes department, written a letter to PayPal Credit to try to resolve this. Their responded by email and said that their review was completed, but offered no other explanation. In reviewing my balance since then, no finance charges have been removed and new finance charges and fees have accrued. 

I am disputing this because I never intended to use PayPal Credit to make the donation. As is always my intent, I intended to use the credit in my PayPal balance. I presume that I may have accidentally used PayPal Credit since there is hardly a distinction on the PayPal app between the two.  They use almost the same logo and " PayPal Credit '' sounds exactly like it is a credit on my PayPal balance. 
This is the first and only time that I have ever used " PayPal Credit ''. After asking about my history with this line of credit they informed me that they used to be called " XXXX XXXX XXXXr '' and that I opened the account at a time when they were still using the name " XXXX XXXX XXXX  ''. At some point, they switched their name to " PayPal Credit '' and kept my account open, which explains why I did not even know that I had a line of credit with PayPal Credit. 

I suspect that part of the reason why they changed their name and logo to mimic that of PayPal the service was so that they could mislead customers into using PayPal Credit thinking that they were actually using a credit on their PayPal account.
Consumer complaint received 2018-10-02
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. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2018-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: West Central Texas Collection Bureau (TX)

West central Texas collection insists on reporting to XXXX that I have an open account with them that is on a chapter XXXX wage earner plan. This is not true. I filed chapter XXXX and the account should show closed with a XXXX  balance. I contacted them and they refused to correct the information on my XXXX   report.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have been working with the reporting agencies for months now trying to have public record information deleted from my personal credit reports but with no luck. However, based on the information that I have found per the NCAP it states

two things required : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. After reviewing my 3 CRA records this information is not listed on the public record that is attached to my file. I am requesting that this public record..ie : bankruptcy information be deleted from all 3 CRA accounts ASAP per my right based on the NCAP law.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (KY)

I received a wage garnishment notice, but this was the first I had heard about it. The company had my wrong address the whole time. I contacted them to stop the garnishment and set up payments once I found out what was going on and they refused to work with me, even though they had the wrong address the whole time.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Approximately XXXX weeks ago I contacted TransUnion to remove a non-mailable addresses from my credit report, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), and as of today they have not provided any assistance in the matter.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I need to emphasize that this issue is not a simple mistake. The inaccuracies on my credit report have been deeply troubling and continue to negatively impact my life in ways that are hard to describe. These are difficult times, and the stress from these errors is overwhelming.
Consumer complaint received 2024-09-13
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. (MI)

This company XXXX BANK in violation of the FCRA 1605b, is continuously reporting unverified, invalid debt to my alleged consumer credit reports. This company along with its associated account ( s ) are listed in a notarized FTC identity theft report, to which they are now obliged by Federal law to block any further reporting of the alleged information to.
Consumer complaint received 2024-11-05
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. (TN)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.