davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
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)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list  on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-05-06
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: Experian Information Solutions Inc. (TX)

I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX, XXXX, and Experian ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX   on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B,  the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that XXXX will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to EXPERIAN AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the FCRA.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (KY)

On XX/XX/year>, I completed an online purchase and financing for a truck through Carvana. I was approved, paid my money, scheduled to have my vehicle delivered on XX/XX/year>, I had a question, so I called carvana after the order was placed, the representative told me that my loan could not be approved and my money could not be refunded to me. I asked why it showed that I was approved and I was able to order the vehicle and the representative responded to me that that was just the way Carvana system is, I told her I wanted my money refunded. She said I would have to call my bank and have a stop payment put on it. I immediately went in and canceled the transaction. Put a stop payment on the deposit and the shipping fee. The deposit was $ {$3600.00} and the shipping fee was XXXX high immediately then called my bank and put a stop payment on those ACH is unfortunately the ACH for XXXX came in under a different name not completely Carvana so the ACH went through Carvana has no way of contacting now every time I try to call I get disconnected and they are refusing to give my {$690.00} back
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I received a letter ( XX/XX/19 ) from WFFinancial Svcs. informing me that they are issuing me a CC with a {$5000.00} + cap. I loath WF  and would never apply to them for a CC. 
I tried calling Only one phone # for WFFinancial Svs. In XXXX XXXX, SD and call is never picked up ; continuous elevator music. There is no contact info in the letter for which to contact them. I did track down the issuing offices in XXXX XXXX. 
I do NOT want credit cards listed as mine. It reflects poorly on my credit, not withstanding that someone may have applied in my name/ stole my identity.
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX PayPal put a hold on our account. There was no prior notification, I just logged in the hold was there. There was around XXXX  in the account that I needed to transfer over into our business account. These funds were partially to be used for payroll on XX/XX/XXXX. I ended up borrowing to meet my payroll as these funds were not made available until after that date. I complained to the XXXX and to PayPal and explained that they were failing in their fiduciary responsibilities as a payment processor for our business. We have used PayPal for our business since XXXX. We have had XXXX chargebacks in all of that time. Both times were to XXXX a XXXX management company. They pay their invoice with a virtual card and we refund them XXXX XXXX of the invoice ( before sales tax ). A different employee processed the payment and forgot to process the refund. I finally got access to those funds from XXXX and we have been working on finding a different processor. We actually have XXXX, but were not going to make the switch until a later date. 

Today, XX/XX/XXXX I logged on and my account is again flagged and again I am being asked to provide information on my business. I just did this XXXX months ago and now my money is held up by them. If you go to their XXXX page, you'll see numerous complaints about having the same problems. It seems as if PayPal is randomly holding business money. I called and spoke to a manager who said they couldn't do anything and the only way to receive my funds was to send the requested information. They are requesting invoices for certain charges, which is an simple matter. However, they also want receipts for each item on the invoice ( we are an automotive repair shop ). On one invoice I couldn't send all receipts for items billed because they only allow XXXX uploads and I had more than that.

I again have payroll next XXXX and can not access my funds. 
I have had scam invoices sent to my business and PayPal says they are aware and can't remove it, but they can keep me from accessing my own funds for days, without explanation. The manager I spoke with said they understood my frustration since its only been XXXX months, but they could not override and allow me access I had to provide the requested information. 

It is frustrating to say the least that this company says they support small businesses, yet make it more difficult to access funds our business has already earned! These funds were paid to MY shop for work we have done. PayPal is simply the processor who gets a percentage of those payments for processing the cards for us, yet they keep doing this.
Consumer complaint received 2019-05-08
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. (GA)

Transunion is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 31 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-18
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

I use chase credit card. They have an option to setup interest payment plans and sometimes they allow XXXX interest plans. 

These are deceptive because one plan allows for one item to be delayed with no interest penalty but when trying to do this again that a second item would face interest charges. Now that both are pending items that I would have preferred to cancel these plans but I could not do so on mobile or by phone call such that its deceptive in nature and they only way to end this would be to just simply pay off the statement. I disagree because even if I pay off the statement that it still shows as if I agreed to credit established plan thus I wasnt able to cancel it while pending. 

Deceptive marketing and interest free versus interest single item payment plans should be separate.
Consumer complaint received 2023-11-08
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. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION, # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-02-12
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXXXXXX XXXX/Account Number : XXXX
Consumer complaint received 2019-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Citibank made a stop payment {$110.00} check number XXXX paid to XXXX. 
XXXX discontinue my service ( cable tv / internet / phone ) on XX/XX/2019. 

I never made or requested stop payment on this particular check. Looks like someone is or has control on my account. i went to bank branch XXXX XXXX XXXX XXXX nye XXXX i talked to XXXX XXXX-XXXX she just gave me a run around so i requested to talked to the branch manager- XXXX XXXX . they told me he is busy and told me they will just just him to call me up. He never called up. I tried several times and try to reach him XXXX XXXX XXXX. no luck. i requested an investigation thru XXXX. 

this is dangerous having someone controlling my account ... 
citibank people lied to me several times ... they like running a fraud schemes. 
this should be investigated.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NE)

I applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX ( 14 months ago ). I am fully eligible and simply waiting for my loans to be forgiven. 

In XXXX of XXXX, I was informed by Aidvantage ( my assigned loan servicer ) that I needed to resume payments in XXXX. I checked the status of my PSLF application with XXXX online and it said it was a duplicate application and had been rejected ( erroneously, as I had never submitted anything of any nature to XXXX before XXXX of XXXX ). 

I then attempted to reach XXXX. I needed to take a full day off of work in order to successfully reach them. They told me my application was still actively pending but they could not take any action on it until Aidvantage transferred my loans to XXXX. I was told there was nothing I needed to do to facilitate this process, as this was a process between Aidvantage and XXXX, but I could contact Aidvantage to urge them to transfer my loans. I asked the XXXX representative if I could receive administrative forbearance while my PSLF application is pending, and they informed me that I would need to make that request with Aidvantage, as that is where my loans are currently managed. 

Last month, I made my first entirely unnecessary payment with Aidvantage as I had no other choice. Today, I called Aidvantage at the number provided on their website ( XXXX ). I navigated the Aidvantage automated phone menu and requested to speak with a representative after verifying my identity. I waited on hold for approximately one hour before the phone began ringing and then an automated message told me that the Aidvantage number I had called was no longer in service and that I must hang up and dial the correct number of XXXX same number I had been on hold with for the previous hour! 

Whether this is a legitimate glitch in the phone system or a deliberate act to terminate phone calls from borrowers, the outcome remains the same : it is entirely impossible to access a customer service representative to make the request that my loans be transferred so they can be forgiven as they should have been more than a year ago without any further action on my part. 

Because I have no way of speaking to anyone at Aidvantage regarding my loans, I am seeking the CFPBs assistance in doing so. I have been very patient and accommodating throughout this process, but after 14 months, it is clear that without outside intervention, my loans will not be transferred from Aidvantage to XXXX and my application for Public Service Loan Forgiveness will never be processed. I do not wish to continue indefinitely making payments on loans I no longer owe. I greatly appreciate your assistance in this matter.
Consumer complaint received 2024-10-09
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. (CA)

Regarding XXXXXXXX XXXX Tradeline ending in account number XXXX. XXXX factual dispute to Transunion. XXXX sent method of verification to Transunion XXXX XXXX sent method of verification follow-up to Transunion. XXXX Replied back with updated & verified status. XXXX another round 1 dispute to Transunion. XXXX sent another round 2 dispute to Transunion XXXX XXXX sent another round 3 to Transunion XXXX XXXX sent another and final round 4 dispute to Transunion XXXX
Consumer complaint received 2024-10-18
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.