davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
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. (AR)

This is my third notice of the XXXX XXXX XXXX  XXXX XXXX # XXXX inaccurate information. 15 U.S. Code 181 I, credit reporting is required to conduct a reasonable reinvestigation. I have asked for the reinvestigation and there was nothing done about the inaccuracy on the account. I have attached proof of the inaccurate information.
Consumer complaint received 2023-12-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CCF Intermediate Holdings LLC (CA)

On XX/XX/2023 I was contacted by a man named XXXX who left a message stating he was a private courier attempting to deliver documents needing my signature. He left a reference number for me to call. Upon calling the number indicated and giving the representative the number referenced they asked me to verify my personal sensitive information. This concerned me and I began asking the representative what the issue/call was about I asked if someone was attempting to sue me and the representative named XXXX XXXX told me not to worry about the man who called earlier and left a message regarding the delivery of sensitive documents. Only after my sensitive information was disclosed did the representative XXXX XXXX explain that they were a debt collector called XXXX. I had never seen this company in any of my 3 credit reports. I was very ill with XXXX at the time I had the discussion about the debt in question. I was told the debt was for {$1200.00} which included fees but they were willing to settle for {$750.00}. I explained I thought this debt had been paid and in conclusion by the end of the conversation XXXX XXXX had convinced me to pay {$310.00} as half the payment of the settlement with a 2nd payment to be deducted in XXXX and she had me sign something via text message link. After I hung up from my phone call I felt disturbed and then very concerned that it could be a scam due to the methods used to collect on a XXXX XXXX XXXX debt because at no time was I informed at the very beginning what the call was concerning. Had they left a voicemail explaining who they were and what the call was concerning from the very beginning my approach would have been an informed one. Instead, I was bated into divulging sensitive information and possibly having a very negative impact on my credit if this situation had restarted the clock on debt I may or may not owe. Shortly after my phone call with XXXX XXXX I contacted my bank and explained what had happened and that I was concerned it may be fraud due to the methods used to collect payment, they agreed and filed a claim with the merchant. I also filed a fraud complaint with my local sheriffs department as well. My bank opened an investigation and reversed the charges as they agreed it appeared suspicious. I am currently seeking legal counsel to advise me of my rights based on what I have experienced as Im not sure how this incident is going to affect me currently.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. These inquiries includes ; XXXX ( Finance ), XXXX XXXX ( FINANCE ), XXXX XXXX ( BANK ), 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 2023-02-26
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. (MO)

I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for XXXX loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

In PayPal 's response to my previous complaint, they claim to have correctly debited my PayPal account. This is absurd and PayPal is acting illegally to defund me. No additional refund has been posted to my account. Additionally, after speaking with a PayPal representative yesterday, she stated PayPal would conduct a further investigation into this issue. Yet, the CFPB response from PayPal stated the case was closed against me. 

On XX/XX/23, a {$220.00} purchase was made online from XXXX through my PayPal account using my XXXX credit card. I returned this purchase within the refund terms and conditions of XXXX and was provided a refund on XXXX Credit Card for {$220.00} ( the full amount ) in XXXX separate refund transactions : {$25.00} and {$190.00}. On XX/XX/23, I received an email from PayPal indicating that {$220.00} was being debited from my PayPal account " Because you received duplicate refunds for the same transaction, we have debited {$220.00} USD from your PayPal account. '' As noted above, I only received XXXX refund for {$220.00}. On a side note, I wasn't even aware a Dispute was logged with PayPal, let alone that anything was being investigated. PayPal 's Dispute ID : XXXX I attempted contacting/calling PayPal on XX/XX/23 at XXXX, was left on hold for almost an hour and was ultimately unable to resolve the issue. Essentially what PayPal is arguing is 1 ) I bought the item, 2 ) I returned the item, 3 ) I received one refund, 4 ) now I'm being charged for the item that was returned and I received one refund for. Make sense? This issue reeks of fraudulent business practices on the part of PayPal. I will say this, I see no reason to use PayPal in the future for any transactions.
Consumer complaint received 2024-09-18
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. (MD)

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX It has also violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information other than records of convictions of crimes which antedate the report by more than seven years. According to 15 USC 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX Contents of complaint : this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of Identity Theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charged-off/closed credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX. This account has resulted in fraudulent activity appearing on my consumer FICO credit report. I have attached the copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned closed/charged-off account. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This account was a result of Identity Theft and Fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MI)

PNC Bank sent multiple notifications via USPS stating they were closing multiple accounts, where my name was listed, by XX/XX/XXXX. Two of these accounts are long established business accounts ( opened since 2007 ), while the other two are personal/family members accounts that have been open for at least 20 years. We have reached out to PNC Bank several times both to our local branch and via the toll-free number provided in the letters. All individuals I spoke with stated they were unable to or unwilling to provide any information to the accounts closing. They were also unable to direct us to anyone who could give us any reason for the accounts closing. The combined total in the accounts is approximately {$130000.00}. There have been no unusual transactions made in any of these accounts. The type of account activity has pretty much remained the same since they were opened. 
Please advise what you can do as I would like a detailed explanation for the decision to abruptly close my accounts. 
Please note the only contact between the bank and myself was via these generic letters with no personal contact information supplied.
Consumer complaint received 2024-07-19
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-21
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. ()

CFPB, I'm writing to you today, in regards to my student loans, including misinformation, mishandling, and misleading of the situation from my loan provider, Aidvantage. In XXXX, I paid off my full student loans, {$16000.00} from XXXX XXXX. When the XXXX student refund relief came around, about XXXX time, where it was meant to help with those affected by covid without expecting reinstatement of student loans, my wife and I assessed our situation, in XXXX, after being affected by covid and decided the refund would help in many towards the current events at hand. We had talked to the DOE, XXXX, and after being transferred to them, Aidvantage, between XXXX and XXXX. All of them told me the loans weren't to be paid back as this was to help towards covid relief. Through the whole time dealing with AidVantage, not once had they managed to tell me the loans would be reinstated and they had constantly led me to believe the student loan refund was a refund with no reinstatement, even after I asked multiple times if it would have to be paid back. After about a year of enquiring about the refund, we had received it, in XXXX, i believe around XXXX time, and after paying towards the intended expenses, we had gotten a letter, in XXXX XXXX, stating that my student loans had been reinstated. When initially enquiring about the refund, I was reassured that they wouldn't have to be paid back or reinstated and there was never any notice of a change in the refund act. I've talked to the department of education, ombudsman, my loan provider, and none of them are helping me. They've only told me at first it wasn't supposed to be paid back, but then it changed, and this was after we had gotten the refund and paid our expenses. We now have a 9 month old child, we pay a mortgage, we want to go through XXXX a second time for our XXXX  child and we have the loans on hold for under a year while trying to figure out how we won't struggle under these loans, but we cant find any viable solution. I'm messaging under the situation that the proper questions were asked multiple times, and multiple times, Aidvantage had told me the loans wouldn't have to be paid back, but after receiving the refund and paying for expenses, Aidvantage went against what they originally told me and reinstated the loans, without warning, a letter, or information about it during any other calls, while I was calloing to process the refund with Aidvantage. Is there any way my student loans can be forgiven. I've tried every other solution and looked at financial plans we can do, and none of them seem like they'll work. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute inaccurate information contained in my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). According to this statute, my consumer report should not include information solely related to transactions or experiences between myself ( the consumer ) and your company ( the person making the report ). 

My concern pertains to the payment history and the late payments listed on my consumer report. These entries negatively impact my credit score and are considered part of the transactions and experiences between your company and me. As such, they should not be included in my consumer report. 

Furthermore, I request that you provide me with a written explanation of the reasonable procedures you have adopted to ensure compliance with 15 USC 1666 ( b ). This statute requires that each periodic statement be mailed to the consumer no later than 21 days before the payment due date. Additionally, please include all the information mandated by Section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information I am requesting. If you do not provide this information within the allotted time, it will be assumed that you can not verify the late payments on the dates specified above and lack reasonable procedures to ensure the accuracy of my account. Consequently, I will request that you remove the late payments from my account and consumer report with the following consumer reporting agencies : XXXX, XXXX, and TransUnion ( or all that apply ), and update the account to positive ( paid as agreed ). The account in question is : XXXX  XXXX : XXXX Please forward any changes to my account to the address below. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

Dear Sir/Madam, I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). 

The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/2022. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. Equifax should investigate the issue and fix the glitches as soon as possible. Thank you! 

Regards, XXXX
Consumer complaint received 2024-07-22
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. (DC)

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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 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 2024-09-12
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.