davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
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. (CA)

XXXX XXXX XXXX Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I contacted Experian to dispute an entry showing a balance due on my credit report with XXXX XXXX Bank. I have settled this account through a collection agency, and I provided Experian with a copy of my receipt. However, provided me with an updated copy of my credit report which still shows that this account has an outstanding balance due, when it should reflect that it was a settled account with nothing due.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (VA)

I submitted an overpayment of {$4600.00} to Chase MileagePlus due to a BillPay error. The overpayment posted on XXXX XXXX 2015. Subsequent to the overpayment, I contacted the Customer Service number associated with Chase MileagePlus on XXXX XXXX and asked that the credit on the account be refunded to me. On XXXX XXXX, Chase MileagePlus issued a check to arrive within 7 - 10 business days. After 5 business days had elapsed, I contacted Chase to determine the status of my return of excess funds. I was told to wait the full XXXX business days before contacting Chase again. On XXXX XXXX, I contacted Chase MileagePlus Customer Care again to determine the status of the refund check. At this point, the Chase Customer Service representative I spoke with advised me that the check should have arrived within a few days of issue due to the proximity between their check printing office in the XXXX and XXXX. The Chase representative advised me that a Stop Payment should be placed on the check and the refund could then be processed via EFT within a couple of business days. On XXXX XXXX, I contacted Chase Payment Services to determine the status of the Stop Payment and was told that it would take 7-10 business days for the Stop Payment to be processed before a XXXX refund check could be issued. I advised the Chase Customer Care staff that this is unacceptable and asked what other solutions existed. The account manager XXXX XXXX advised me that no other solutions were available despite being advised of the conflicting guidance of multiple customer service representatives I spoke with. As I am sure the CFPB is aware, JP Morgan Chase has multiple options at its disposal to rectify this situation, which it is choosing not to deploy despite taking in excess of 30 days to refund a {$4000.00} overpayment. Most Americans would not be able to juggle such a balance in transit without considerable cost and hardship. This type of behavior is unacceptable on a number of different levels for customers who are attempting to maintain clean, solid credit histories and are asked to provide payments on-time regardless of mail service issues. Yet, credit card companies such as Chase do not hold themselves to these same standards.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-02-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MA)

I am a victim of Id theft and I sent two requests certified mail to equifax to do a security freeze. I mailed them twice the police report, utility bill, social security card and drivers license. I received confirmation of the certified mail. They did not respond to either of my requests for a security freeze. I called them XXXX/XXXX/15. I talked to 3 different people. The first one told me NO they wo n't do the freeze, I have to pay XXXX. The second one said I had a lock on my file, which I do n't recall placing and said I had to pay XXXX to lift the lock. Then they would place a freeze. I talked to a third person who again refused to do the security freeze and when I told them I was a vicitm and I sent my documents and provided the dates on the certified mail, they said they did n't have them. They said I had to send a third time and I could fax. This is very concerning as I sent highly sensitive personal information. I faxed it although I was very hesitant to do so. I sent these letters back on XXXX XXXX and they signed for it on XXXX XXXX ( 2015 ) and I sent it again XXXX XXXX. I 'm now concerned other fraudulent accounts may have been opened due to their lack of integrity and service issues. I want them to freeze my credit and send me updated report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear TransUnion, I am writing to formally dispute the accuracy of the information reported on my credit report regarding an account with XXXX XXXX  ( XXXX XXXX ). The account number ends in XXXX, and it was opened on XX/XX/2020, and closed on XX/XX/2020. Below are specific errors I would like investigated and corrected : Double Reporting & Sale of Account : The account is reported as charged off with a balance of {$0.00} but still shows a high balance of {$990.00}. The report also indicates that the account was purchased by another lender. Reporting the same debt twice violates my rights under the Fair Credit Reporting Act ( FCRA ), Section 605. 

Inaccurate Remarks & Balance : The remarks indicate both " unpaid balance charged off '' and " purchased by another lender, '' which can lead to confusion in interpreting this account status. I request that TransUnion verify these remarks for accuracy and clarity, particularly because the balance is listed as {$0.00}, but the high balance indicates a previous balance of {$990.00}. The inconsistent information should be corrected to prevent further damage to my creditworthiness. 

Dispute of Credit Limit Impact : The original credit limit on this account was {$500.00}, but the high balance reached {$990.00} before the charge-off. I request that this discrepancy be reviewed and updated to reflect more accurate information regarding the accounts credit usage and closure process. 

Please review this account thoroughly and remove this account from my credit profile if information if found inaccurate. If the information is verified as correct, I request that you provide me with the documentation used to verify the charge-off, balance, and transfer of this account to a new lender. 

I appreciate your time and prompt attention to this matter. Please respond within the XXXX investigation period as mandated by law.
Consumer complaint received 2015-12-13
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XXXX, XXXX I received a gift debit card for {$200.00}. When I went to use the gift card on XXXX XXXX, XXXX the account was closed. When I contacted Bank of American on XXXX XXXX, XXXX ( at approximately XXXX, via phone ) I was told the card had expired XXXX XXXX and the remaining balance ( actually the entire balance of {$200.00} ) was the " fee '' for closing the account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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. 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!
Consumer complaint received 2016-01-26
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MO)

did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. 

We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. 

Until we receive the report, collection procedures will continue and you will be held responsible for the loan. 

If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. 

CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/year> I made a payment to Bank of America- XXXX XXXX credit card, I inadvertently made a payment to the incorrect credit card. I realized the error and contacted Bank of American on XX/XX/year> requesting the return of the funds. They said the funds had been transferred and I should contact XXXX XXXX, by bank that the payment was generated from. XXXX XXXX  indicated they have no record of receiving these funds back. 
I called BoA again, they said it takes XXXX days. On XX/XX/XXXX, I received a letter stating the funds had been returned. The funds were not returned. I called back and they said that it could take up to 30 days. On XX/XX/XXXX, I called back BoA said it could take up to XXXX business days. It has now been more than XXXX business days, and they can not tell me where the funds are.
Consumer complaint received 2016-01-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (VT)

I have purchased several ebay gift cards over the course of the past two months through paypal digital gifts. These gift cards are supposed to be usable at ebay, unfortunately when I go to check out I get a message saying " Something went wrong. Please try to check out again. '' error XXXX. Everytime I make another attempt it gives me the same error. I have called ebay, they tell me it 's paypal, paypal tells me it 's ebay. Then ebay tells me it 's a security issue and ca n't provide me with any further information, then they tell me their executive department will get back to me and that never happened. I 'm at a loss of what to do. No one at either Ebay or paypal seems to know what the real issue is or why their own gift cards will not work ... At one point they even sent me to Ebay XXXX? I do n't live in XXXX I live in the U.S. It would be one thing if they could tell me the issue and give me options, however they refuse to do anything and the problem persists today.. Any other normal business would address this issue, however Ebay has a monopoly over this market, and forces everyone to use Paypal even if your using their gift cards?
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (LA)

while doing a debt settlement with XXXX, we settled several Chase cards, there were XXXX left and XXXX tried to contact and settle, with no notice to myself or XXXX XXXX, Chase did a charge off. Same with XXXX, XXXX tried to settle with them as well. Chase and XXXX did not give notice of charge off. If they sent notice, I did not get it but I sure got from chase and XXXX the XXXX showing a charge off and I had to add the balance as income, had to add to my taxes. I feel because we tried to settle, they should not show on my credit score as owing monies because I had to claim as income and pay taxes. I even tried to call them and stayed on the phone for XXXX hr, never got a call back. When checking my credit, you can see where chase settled several accounts. I feel that since they settled other accounts they should not have charged anything off. I feel like I am now a victim because they did not want to work with us, not even a call back to XXXX. XXXX has been great and they too were not happy with their professionalism. I can only wonder who else has gone thru this with Chase and XXXX!
Consumer complaint received 2015-05-27
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AES/PHEAA (OH)

THIS IS ANOTHER STUDENT LOAN ACCOUNT THAT I HAVE DISPUTED WITH THE CREDIT BUREAUS AS BEING INACCURATE. I CONTACTED THIS COMPANY REQUESTING VALIDATION OF THE ACCOUNT, THE DEBT AND THE NEGATIVE INFORMATION THEY HAVE REPORTED ON MY FILE. I NEVER RECEIVED A RESPONSE FROM THE COMPANY AS TO WHY THEY ARE CONTINUOUSLY REPORTING NEGATIVE INFORMATION. THEY ARE REPORTING MY ACCOUNTS AS IN BANKRUPTCY WHEN IN FACT THESE ACCOUNTS ARE NOT IN BANKRUPTCY, THEY ARE CONSOLIDATED WITH ANOTHER LENDER AND ARE CURRENT. BY LAW THIS COMPANY IS SUPPOSED TO RESPOND TO MY REQUEST TO VALIDATE THIER CLAIM REGARDING THIS ACCOUNT AS WELL AS PROVIDE ME WITH AN OPPORTUNITY TO DISPUTE THE NEGATIVE ACCOUNT. I WOULD ALSO LIKE TO KNOW WHAT COMPETENT EVIDENCE THEY ARE PROVIDING TO THE CREDIT BUREAUS WHEN I DISPUTED THIER ACCOUNT AND THE NEGATIVE INFORMATION THEY ARE REPORTING.
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi Yesterday ( XXXX XXXX 2015 ) I went to XXXX XXXX in XXXX, XXXX to enquire about leasing car. I informed them in advance that my credit score is around XXXX-XXXX but do not have long history so i dont want u to tun the credit check. The manager ( Name XXXX ) confidently told me that this will be only soft check so no impact on my score. Now I see that they did hard check which is absolutely wrong. I asked them multiple to make sure that I dont want this but they said no problem, no need to worry. Same thing happened with when I came to XXXX first time & XXXX XXXX manager gave me wrong information, tried to sell his credit card .... this is really not acceptable. I do pay all bills, rent in time, no defaults and still suffering with this. I hope u will sove my problem. 

Creditor -- XXXX Creditor Contact Details XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint because experian has fail to provide me with the documents that their company has on file to verify the accounts i disputed. Being that they have gone past the 30 day mark and can not verify these account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information that can not be verified. '' that i have disputed. Please resolve this matter as soon as possible
Consumer complaint received 2024-10-09
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
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. (MS)

Fraudulent accounts have been attributed to my credit file that are NOT mine and I have NO knowledge of these accounts nor have I received any goods or services from these accounts and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (MN)

Called a friend of mine who I also regulatory commission services from, using information from a third party they are affiliated with. This person also happens to be a friend, but is not listed as a contact on my account what so ever. The only way they could have gotten her phone number, would be to use a third Party they are affiliated with, to see who I have sent money to, and called their contact number on their account. 
They clearly stated they where calling from a Credit company and looking for me. This alerted them to the fact I have debt, and I 'm behind in it. 

I have NOT used their payment method to pay this client, I have always paid using the third party they are affiliated with, direct from my bank account. Even if I had, they still should not be calling a XXXX party, in another state, there would be XXXX expectation I would be at their house, or picking up phone calls from their personal phone.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Its outrageous that accounts in litigation are still on my credit report, damaging my XXXX XXXX due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.