davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (FL)

Approximately XXXX months ago, I took my cat to the vet because he was very sick. He ended up passing away after approximately {$3000.00} in vet bills. My vet said I could take out a loan through a company they use, and when I showed them my phone to ensure I was using the correct application, they mistakenly told me it was the correct site. I didn't find out until a few minutes later, Max Lend was not the company they use. I did not think anything of it, as I I was sure it was a loan shark or a predatory company, but I figured I would just pay it off within the next month and just chalk it up to a mistake. I didn't think the interest rate would be as high as it ended up being, I would be paying more than double with my actual loan was to begin with, and they would make ridiculous rules to make it more difficult for me to pay it off faster. I attempted to make extra payments, but always had issues online and by phone. One of the issues is that it would not allow me to use a different bank account number to pay. So I transferred money from that account to the one registered with Max Lend but the issues continued. Then they would not allow me to make a payment sooner than 2 weeks out so I could pay the loan off faster, but they only had the option of paying more on my due date. I attempted to just add another payment to my already scheduled due date, and the website advised if I chose this option, the amount needed to be minimum {$500.00} on top of the XXXX being withdrawn. When I attempted to make a solo payment, the website would not allow me to do so because I already had a payment set up for my next payday. When I attempted to pay interest only, the website stated I could only make a {$500.00} minimum payment towards interest and would not accept any lower payment -- except for today, after speaking with the representative I tried again and this was the first day I could actually make an interest payment ( I did not complete the process and click submit because I did not want to make any payment, so I'm not sure that it would actually go through ) XXXX I made a complaint online and received a phone call from XXXX of their employees, who refused to work with me. They stated I could pay {$1400.00} and pay off the loan. I told them that was ridiculous as I had already paid {$2100.00} for a loan of {$1500.00} that I took out less than 3 months ago. I offered to pay {$400.00} and be done with the loan, and he stated I had to pay {$1100.00}. I am upset because this was completely by accident because of the vet technician 's error, in fact they even refunded me some of my vet bill because of the mistake. But I certainly was not expecting this high of an interest rate and didn't expect them to make it impossible for me to make any kind of payments to try to pay it off faster.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WA)

Hello, I paid off my student loans in full prior to edfinancial transferring to a new website. The old website reflected that all of my payments were complete and loan balances were XXXX. Now on the new website, I'm showing a balance of {$7500.00} and they have lost all of the information on the payments I have previously made. 

On XXXX all of the loans were somehow showing that no payment was required until XXXX  but they still had the outstanding balance. I reached out to them on XXXX  to let them know the error and on XXXX  the only response I received was a message on my account telling me that payments are now due next month. Instead of communicating with me the reason for the error, they expedited the timeline in which these payments are due.
Consumer complaint received 2024-05-21
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. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (NM)

Diversified adjustment service contacted me on behalf of XXXX. Advising that I owe a balance in excess of {$XXXX} dollars. I advised the rep that under the advisement of a XXXX representative that If I return the equipment that I would only be responsible for the service charges. I submitted all relevant information regarding this claim including return labels with tracking. XXXX via diversified adjustment service advised me that they denied my dispute. They said that even though I returned the equipment that I will still be responsible to pay the full price for each Piece of equipment. However they did not charge me for XXXX of XXXX items returned.
Consumer complaint received 2024-05-22
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accountsare 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (TN)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (CA)

Claim # XXXX Date : XX/XX/XXXX Payment amount : {$660.00} check number : XXXX To : XXXX XXXX XXXX XXXX XXXX Payment amount : {$840.00} check number : XXXX To : XXXX XXXX XXXX Total : {$1500.00} XXXX, XXXX XXXX XXXX, holder of checking account number XXXX at Chase Bank, am the owner of an XXXX  company in XXXX, and that is why I made 2 payments for invoices referring to films distributed by my company in XXXX, one was to XXXX XXXX and the other to XXXX XXXX. I made these payments through my personal account, as I don't have a business account here in USA. 

On XX/XX/XXXX I made these 2 payments by ACH at Chase online bank, and payments were sent by XXXX ACH checks. In the end of XXXX I asked if they received the amounts and both XXXX and XXXX claim they have not received. I opened this claim on XX/XX/XXXX, and since then I have sent the requested forms by fax through the Chase branch near my home, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but every time I called them to confirm, I was informed that they didn't receive it. 

Them in XX/XX/XXXX, I sent by mail all the documentation I had regarding the XXXX payments. The track number is XXXX. 

I've sent them : - Copy of both checks, which does not show the recipient of the amount, note that XXXX does not even have a XXXX XXXX account. 
- Copy of the e-mail, where the recipients claim not to have received the checks.

- Copy of the Wire Transfers, which I had to make the payment again.

- Copy of invoices. 

I followed the tracking and after seeing that the documentation arrived there, I called to confirm. Chase said it received it and would review and send a response. 

On XX/XX/XXXX I receive a letter saying that they could not recover my funds and that they were closing my claim again. 

I kindly ask you to review the case with the Chase, with all the evidence sent. If it was these companies that deposited the checks, I want proof that really proves it, so that I can recover the amount I overpaid. In the proof of payment provided on the Chase website, it is not clear and does not even mention the name of the account holder from whom these amounts were received. 

All I am asking is a clarification, and if the check takers weren't who they were meant to be, I want my money back. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

My Ulta Credit card statement showed {$100.00} due by XXXX XXXX. I paid the entire balance on XX/XX/year>, and I have not made any additional purchases. 

I am currently at my home in XXXX and didnt want to worry about making payments while I was out of the country. Suddenly, I got an alert this account was paid 30 days late. There should not have been any payments due since I paid the account balance in full prior to the due date. This is nonsense and caused my credit score to drop XXXX points!! 

While I don't think there should have been any payment due, I just paid the {$30.00} that Ulta indicated was past due so it would be updated to current.
Consumer complaint received 2024-02-16
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: JPMORGAN CHASE & CO. (GA)

I got an alert for a credit inquiry on my credit report from JPMCB CARD SERVIES and I have no clue what it is. The last credit card I applied for was a XXXX XXXX card
Consumer complaint received 2024-05-22
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. (NC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-22
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. (NJ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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


Account Name : XXXX Inquiries : XXXX XXXX - XXXX
Consumer complaint received 2024-05-22
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (TN)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-21
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. (MD)

On XX/XX/2024 a collection as added to XXXX XXXX profile from XXXX XXXX XXXX. I sent a certified letter to XXXX to validate this date. On my credit report it stated that it was for XXXX XXXX. I never had a contract or agreement with XXXX XXXX. I requested that it should be proven or removed withing 15 days. There was no response. 

The collection account from [ XXXX XXXX XXXX ] appearing on my XXXX credit report is inaccurate and not associated with any debt that I owe. Specifically In accordance with 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.

Improper Use of Credit Report : I believe that [ XXXX XXXX XXXX  ] has accessed and used my credit report without a permissible purpose. This unauthorized access is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Impact on Credit Report : This erroneous collection account is severely affecting my credit score and financial reputation. It may result in denied credit applications and less favorable financial terms I request that the CFPB investigate this matter and take appropriate action to : Have the incorrect collection account removed from my XXXX credit report. 
Ensure that [ XXXX XXXX XXXX ] ceases all collection activities related to this account.
Consumer complaint received 2024-05-22
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)

I recently obtained a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This inaccuracy is damaging my credit report, and I request that you correct them immediately. 
I assume 30 days is a reasonable timeframe for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals you contacted. 
I insist that you stop reporting this account as late on my credit report immediately. Failure to comply with this request may result in legal action against your agency. The disputed information is as follow : XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-04
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 found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

An incorrect address is listed on my credit report and I want it removed immediately. That address is XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. 
I want this address deleted from my credit report immediately.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA is incorrectly and unlawfully reporting a closed account with bad payment history out of retaliation and malice.This is preventing me from obtaining mortgages, apartmenrs, credit cards and loans. This is a violation of the FCRA. USAA agreed to pay for delete for the old account. This has been paid and closed for over a year.
Consumer complaint received 2023-12-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CO)

My student loans were serviced by EdFinancial for a long time but were transferred to XXXX last winter. The last reported data to the credit bureaus from EdFinancial was XX/XX/2023. Because my loans were transferred to XXXX and then forgiven, I have no student loan balances ( {$0.00} ) with any servicer. However, I am still unable to get the EdFinancial erroneous balances off of my credit report, and they have not provided a letter as requested stating that I have no loan balances. I disputed all three credit reports and the EdFinancial balances were not removed. I know many people have had this issue with EdFinancial, and I have yet to find anyone who has successfully resolved this issue. Please help. 
The loans are listed on the credit reports as follows : EDFINANCIAL SERVICES L {$28000.00} EDFINANCIAL SERVICES L {$15000.00}
Consumer complaint received 2024-05-22
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}