davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/year> I bought online a copy of XXXX XXXX software and when I loaded it into my home computer, it was stuck and after that a representative of a company named XXXX. contacted me, introduced as a service company for XXXX software and offered to load a version of XXXX software which would valid in XXXX years and he would charge me {$290.00} including XXXX software update. At the end, I paid him {$290.00} via PayPal which would pull money out from my XXXX personal checking account. On the same day of XX/XX/year>, a debit of {$290.00} has been pulled out from my XXXX account. 
I had a trouble shortly after that with the software so I called XXXX Customer Service and I was surprised that a XXXX representative informed me that XXXX. is not an official representative of XXXX and perhaps a scammer. I called my XXXX bank to inform and ask for help, at the same time I sent a dispute to XXXX. about the suspected service. On XX/XX/year> XXXX. company agreed to refund me and sent {$290.00} back to PayPal and it appeared on my XXXX account on XX/XX/year>. Also, on the same day of XX/XX/year>, I received a momentary loan {$290.00} from XXXX bank ( XXXX same amounts noted on different ways ). On XX/XX/year>, XXXX bank pulled back {$290.00} which they let me borrowed. 
The problem is that on XX/XX/year>, PayPal asked me to load an amount of {$290.00} as a top-up money and on XX/XX/year>, I innocently loaded {$290.00} ( believing that I still have {$5.00} reward money in my account to be {$290.00} exactly ). 
PayPal later claimed that they have returned the amount {$290.00} TWICE into my Chase account and USED THIS AS A REASON TO NULLIFY MY ACCOUNT AN AMOUNT OF {$290.00} ( {$290.00} from my Debit Card and {$5.00} I had as a reward ). I checked with my XXXX bank transactions and found out they returned only ONCE.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

I have a collections amount of {$6500.00} on my credit bureau reports listed as under collections from Jefferson Capital, and I do not recognize this debt, which showed up unexpectedly to me. I searched back in my communications and only found an old email from them attempting to communicate the debt, and have received no further communications from them about this either by mail or phone. I attempted to dispute this account through credit bureaus twice and was told there was no change to the account. I would like to receive debt verification for this account and would like to see documentation that this debt belongs to me and they are legally in possession of the debt.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I requested a copy of my credit reports and saw an incorrect payment history on an XXXX auto loan. I tried to contact XXXX regarding this incorrect payment history, but I found that XXXX is no longer in business. I contacted the credit bureaus and I ask them to investigate and correct the payment history, but Transunion and XXXX came back to me saying the information had been verified, I then requested how the information was verified, and my request was ignored, by both bureaus. It is the law that they provide detailed method of verification, but my request was ignored. 
XXXX XXXX bank was purchased by XXXXXXXX XXXX and XXXX was verifying the credit information under the XXXX account on my credit bureau. My account was opened and paid off under XXXX and not XXXX and it is not accurate information on my credit report to have XXXX reporting information on the behalf of a bank that no longer exist. The bank that is reporting the information is not the bank where the account originated or who was paid the payments. I do not believe it is correct to have one bank verifying information and reporting for a defunct bank under another name. I'm legally intitled to have a 100 % accurate credit report and since the original creditor can not verify the information The bureaus must correct my payment history since they can't verify with the original creditor.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Have been charged a $ XXXX monthly maintenance fee for the past XXXX months. When I upgraded my account XXXX  years ago due to a high balance, I was told if my account dropped below the minimum amount, I would lose the benefits associated but there would be no fees. 
When I called I was told that their policy changed in XX/XX/year>, and they would start charging fees. I was told they likely sent an email about this but there would have been no acknowledgement. 
I asked them to refund the past XXXX  months fees and get the account switched to one without a monthly maintenance fee. 
The rep/supervisor said they could remove the last XXXX months fees but could not refund the other XXXX due to system limitations. 
I asked if this was a matter of policy or simply a limitation of their software and they said its not a policy thing its just that the system wont let them, and it is what it is I explained this was not a satisfactory explanation for why I am being charged a monetary fee and they are unwilling to refund it, and she responded that it isnt that she is unwilling to, the system just wont let her. I then asked to speak to someone who has the ability to do so, and she said no one can. I asked again to clarify, that no one who works for the bank has the authority to do so and she said they did not. 
This fee was never something I agreed to, and when I enrolled in this account I specifically asked about fees, and was assured I would not be charged any, and my account would automatically switch to a lower tier.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Subject : Incorrect Reporting of Forgiven Student Loan Balance - Violation of XXXX U.S.C. XXXX ( a ) Complaint XXXX : XXXX. XXXX XXXX. XXXX XXXX. TransUnion Complainant : XXXX XXXX XXXX Email : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and TransUnion for their continued inaccurate reporting of my student loan balance. Despite my student loans being forgiven, these agencies are still reporting a balance of upwards of {$17000.00} on my credit reports. 

This incorrect reporting is in clear violation of 15 U.S.C. 1125 ( a ), which addreses false and misleading representations in commerce. The persistent inclusion of a forgiven debt on my credit report is not only false but also detrimental to my financil standing and creditworthiness. 

Details of the Complaint : -Name : XXXX XXXX XXXX XXXX : XXXX -Inacurate Balance Reported : Approximately {$17000.00} - Type of Account : Student Loans - **Date of Forgiveness : XXXX XXXX Nature of the Complaint : XXXX. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
XXXX. XXXX : Reporting a balance of {$17000.00} on forgiven student loans. 
XXXX. TransUnion : Reporting a balance of {$17000.00} on forgiven student loans. 

I have made multiple attempts to contact these agencies to correct the error, yet the false information remains on my credit report. This situation has caused me significant distress and has impacted my ability to secure new credit and financial opportunities. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX, XXXX, and TransUnion correct my credit report to accurately reflect the forgiven status of my student loans. Furthermore, I seek any necessary action against these agencies for their violation of federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: Experian Information Solutions Inc. (IL)

Experian just lied and stated that the information was correct and validated by the us Bankruptcy courts which in turn is not to be true Ive continually tried over and over to have them properly investigate and remove this item under 15 U.S. 1681A2B
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I REVIEWED RECENTLY MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, EXPERIAN AND XXXX. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX XXXX XXXX  - XXXX Update the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX XXXX Please remove from my report. 
This inquiry is not authorized : XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 

STILL REPORTING IN EXPERIAN Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX XXXX XXXXXXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX XXXXXXXX Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX  XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX XXXX XXXXXXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXXXXXX - XXXX Please remove from my report. 
These inquiries were not authorized XXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report.
Consumer complaint received 2024-04-16
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. (NV)

I REVIEWED RECENTLY MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, XXXX AND TRANSUNION. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXXXXXX XXXX XXXX - XXXX Update the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX XXXXXXXX Please remove from my report. 
This inquiry is not authorized : XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Account status is not correct : XXXXXXXX XXXX  XXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX  XXXX Please remove from my report. 

STILL REPORTING IN TRANSUNION Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXXXXXX XXXX XXXXXXXX - XXXXUpdate the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX - XXXX Please remove from my report. 
These inquiries were not authorized XXXX XXXX  XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-16
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. (NV)

I REVIEWED RECENTLY MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY EQUIFAX, XXXX AND XXXX. 

STILL REPORTING IN EQUIFAX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX OF XXXX - XXXX Update the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
CAP XXXX - XXXX Please remove from my report. 
This inquiry is not authorized : XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX OF XXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXXXXXX - XXXX Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX SERENE AV, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX OF XXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX - XXXX Please remove from my report. 
These inquiries were not authorized : CAPITAL XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

I HAVE PERSISTENTLY CONTESTED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AS OF NOW. 


XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Experian : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

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 : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-03-19
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. (NV)

I HAVE PERSISTENTLY CONTESTED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AS OF NOW. 


XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX TransUnion : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-03-19
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. (NV)

I HAVE PERSISTENTLY CONTESTED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AS OF NOW. 


Equifax : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX : REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX - XXXX