davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I specifically listed the accounts and informed them of the violations they are committing against my consumer report. It has been over 60 days since my initial dispute letters were sent, and none of the credit bureaus have provided a response. Copies of all correspondence sent are attached for your reference. 

These companies have violated FCRA 623 ( a ) ( b ) by failing to mark the disputed accounts as such.

Additionally, FCRA 605 ( c ) has been violated as the reporting period has continued despite the last activity on these accounts being incorrectly reported. This should reflect the actual date of the last payment made.

Moreover, this company has repeatedly failed to validate the collection account, thereby violating FDCPA 809 ( b ) according to FTC guidelines. 

I request that these inaccuracies be promptly corrected, as they are adversely affecting my credit standing and rights under federal law.
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

XX/XX/year>, contacted PayPal, after there had been fraud activity on XXXX of the cards linked to the account. Since my account is permanently suspended, they told me I am unable to remove any cards linked on the account.
Consumer complaint received 2024-06-21
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. (IL)

I am disputing these accounts and requesting an investigation since they are incorrectly reported on my credit file. According to the Fair Credit Report Act, I am entitled to {$1000.00} for each erroneous entry. Additionally, FCRA 605B mandates reporting any inaccuracies in a consumer 's report.
Consumer complaint received 2024-09-01
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-01
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed that I have an account that I do not know about, and it being reported and effecting my credit score negativity. I have collection of {$1300.00} as of XX/XX/year> and I was unaware of, and the account was open on XXXX consumer reporting agencies need to report all information with complete accuracy. This account that has been created without my knowledge. I have attached a copy of my report to this complaint on the amount and dates that are shown above. I am also requesting you investigate and provide verifiable proof with records showing that I had knowledge of this account. If this information can not be verified, I demand this account to be removed and updated on my credit report immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

I have a XXXX credit card which is housed with TD Bank. I canceled my cell phone insurance with XXXX that was {$11.00} per month. I have better insurance with XXXX so canceled it with XXXX. I called XXXX on TWO separate occasions to cancel the charge and they said they would reverse the charge. My final attempt was on XX/XX/2022. I called and spoke to a female who was QUITE RUDE and spoke very condescendingly to me. She had the nerve to tell me, " Why are you calling here when you should be out celebrating ( XXXX ). I responded that I do not celebrate. After about three attempts on the same call to cancel the service and refund the charge she finally agreed after speaking to a Supervisor. She was quite pleasant after speaking to her supervisor and said my account would XXXX refunded any late fee would also be refunded. At this point they lowered my credit limit so I also instructed them that once the account was at zero to CLOSE my account as they breached our contract and they did no do as they said in refunding me the fee. They failed to perform on their end. This negative mark on my credit report has dropped my score AS WELL AS caused XXXX XXXX to lower my credit limit by approximately {$20000.00}. THIS IS UNACCEPTABLE AND WAS AVOIDABLE ON THEIR PART.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report That has already been removed. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2019-06-26
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)

This issue is an existing problem which XXXX, and Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX   XXXX, XXXX XXXX, DEPTEDXXXX   XXXX, DEPTEDXXXX XXXX,
Consumer complaint received 2024-06-21
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. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Unknown Collection XXXX
Consumer complaint received 2024-06-21
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : IXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (TX)

I received my first letter stating I needed to pay amount due {$92.00} for a medical bill around XXXX. I have letter to upload. On XXXX I paid entire balance in full. I will upload credit card statement. Then earlier this week I receive collection notice from PFC Professional Finance Company stating  I owe {$0.00} Principal balance but I owe {$0.00} cents for interest. XXXX cents. I said XXXX  cents. 
Back of letter also states " As of the date of this letter, you owe the amount indicated under the amount due on the front side of this notice. Because interest charged on account from the date the account was placed on collections ( which was {$0.00} balance ), the amount due will increase daily because interest charges will continue to accrue. If you would like the most current information concerning your balance prior to paying the account please call XXXX '' nowhere have I seen anything about interest on any paper work until this collection notice. The paper the sent me with envelope cost more than XXXX cents. I feel PFC is breaking FDCPA guidelines for threatening me with daily additional interest. How can charge interest on a {$0.00} balance. Medical billing do not charge interest.
Consumer complaint received 2024-06-21
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. (FL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-06-21
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics
Consumer complaint received 2024-06-21
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. (CA)

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These erroneous entries have severely impacted my life, causing significant stress and anxiety. I want to emphasize that I never authorized or consented to this information being associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

FTC Report Number XXXX Transunion Credit reports REFUSE TO MARK XXXX XXXX DEBT PAID in full that has been paid. I speak to a lady by the name of XXXX at the phone number XXXX. after speaking with me over the phone XX/XX/24, XXXX  contacts her call center XXXX name XXXX . I finally get to the bottom of this debt. After speaking to the XXXX. XXXX at the XXXX XXXX XXXX. 
XXXX at XXXX XXXX. XXXX tells me over the phone that he can see in the system that the debt shows satisfactory. Now I have been disputing what TU has on my credit file once again because I KNOW I HAVE PAID THIS DEBT! 

I have tried to get TU  to post debt paid XXXX  times frankly, a grand total of over XXXX times NO Exaggerations, TU still refuses to make this debt from the XXXX  from XXXX  to paid in full! Please contract this XXXX by the name of XXXX at the XXXX XXXX. Call center. 
This XXXX man promised that he would email me a letter stating that the debt I owed was listed as XXXX on the XXXX XXXX. company 's end so I could post the letter of the debt showing PAID to TU and the XXXX, your agency. I guess this XXXX thought that this is some kind of joke and its not ... this is the phone number I spoke to this XXXX guy at XXXX XXXX. Call center XXXX XXXX XXXX was the XXXX. XXXX transferred me too. XXXX XXXX today on XX/XX/24. at the XXXX XXXX. 

XXXX XXXX found the paid debt in the XXXX XXXXXXXX XXXX system under my Drivers License number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Driver 's License Document in the attachment.
Consumer complaint received 2024-06-21
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. (OR)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (IL)

Navient A XXXX Nightmare After the high-pressure recruiting calls and promises of XXXX XXXX I enrolled in the XXXX XXXX program in XX/XX/XXXX. 
The program tuition was {$21000.00}. I was able to get federal student loans but XXXX then wanted {$5800.00} cash for the remaining amount. I did not have the cash, so they told me about a XXXX XXXX XXXX. I took out the XXXX XXXX XXXX for {$5800.00} through Sallie Mae. And then, they gave me a pink sheet titled Need Money? Sallie Mae offers a loan program for students that need money. I was then introduced to the XXXX XXXX  loans that exceeded the cost of tuition and I took out 2 XXXX XXXX Loans both for {$5200.00} each. 
Currently I owe {$18000.00} to Sallie Mae/Navient for the 3 private student loans that they continue to bill for. I ended up consolidating my federal loans with XXXX. 
My husband and I unfortunately had to file XXXX  XXXX Bankruptcy on XX/XX/XXXX XXXX XX/XX/XXXX in the XXXX XXXX XXXX Illinois ; Sallie Mae was listed along with other creditors. 
My husband became ill shortly after the bankruptcy discharge and was diagnosed with XXXX XXXX in XX/XX/XXXX. After two XXXX at XXXX XXXX and living in XXXX away from our kids for treatment he passed away two days before XXXX XX/XX/XXXX. 
At XXXX I found myself a widower with XXXX girls and a mountain of debt again. I have continued to make payments to Navient because they kept calling and harassing. In and out of forbearance, payment reduction, interest only and have not made any progress. 
I feel like someone has been jabbing a fork in me now and turning it as hard as they can. Navient has done so much damage in so many ways through these years. Simply put, Navient preyed on me for several years. They threatened so I paid what I could. My husband died of XXXX, and I had XXXX girls to take care of and I was working as much as I could. I am emotionally drained by them. Every loan that I have applied for, the interest rate has been based on my credit. Navient has ruined my credit because they said I owed this money and come to find out it should have been discharged in XXXX. I recently had to co-sign on my youngest daughters student loan and her interest rate was high because of my credit due to Navient reporting my delinquency. 
Navient has continued to make collection attempts on my private loans that were discharged. Currently I am on a program with Navient where they automatically take out of my checking account monthly. They will no longer be receiving any payments from me again and need to cease collections immediately.