davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-20
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: Uplift, Inc (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may verify if this is actually an account that belongs to me
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/XXXX, I received communication from XXXX by XXXX that my preferences had changed. I tried logging into my account to check to make sure everything was alright, but it said I was locked out. 

I called their customer service to unlock my account, during which I provided multiple methods of identification. However, they said that both my phone number and my state of driver 's license did not meet the security requirements to verify my account. 

They said that they would get back to me in XXXX to XXXX business days. The kicker is that I opened this account only XXXX week ago -- and now do not have access to a significant amount of money that I deposited with them. 

I am scared, and so incredibly frustrated, as I feel that XXXX by XXXX is holding my money XXXX without any way of getting it back.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/year>, I was scammed and I experienced Identity Thelf through my PayPal account. I was told XXXX had hacked my account of {$6000.00} and {$2000.00} had already been spent. 
I spoke with XXXX XXXX ( representative for Pay Pal ). He stated " his company would investigate this matter and he would get back to me '' .The problem is he never got in touch or followed up with me and it's now XX/XX/year>. 
I was told a loan was taken out in my name in XXXX and other states accessing my Social Security Number, address and phone number. I contacted my bank first and told my checking account was safe. 
This is poor company practices with PayPal. I was told a freeze would be placed on my PayPal account. 
I was trying to pay a local bill when this PayPal screen popped up and once I put my information in is when I was hacked/ Identity Thelf. This is a nightmare! 
On XX/XX/year> XXXX XXXX found suspicious activity in their computers and learned a cybercriminal was able to see and take copies of some data as well as medical record numbers, doctors, diagnosis, medicines, test results, images, care and treatment. Other personal data ( such as Social Security numbers, driver 's license or state ID Numbers may have been complimined.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NC)

I asked the company for a validation of debt that i never received. This debt is not mines, I never did any business with the original creditor, I never lived there, I never signed a lease with this company I'm a victim of identity thef with this account this account is not mine.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (CA)

I sent money to XXXX for my family members living support, I sent {$110.00} to XXXX at XX/XX/year>, but they can't receive the money, I called the Sigue for full refund, but I did not get my refund.
Consumer complaint received 2024-05-14
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. (NC)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (NC)

AAFES/MILITARY STAR and the credit reporting agencies has violated multiple laws that pertaining to my right to fair and accurate reporting. 15 U.S.C 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( AAFES/MILITARY STAR ) making the report. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) states that a person ( AAFES/MILITARY STAR ) shall not furnish any information relating to a consumer ( myself ) to any credit reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. By AAFES/MILITARY STAR reporting on their transactions between themselves and I this would automatically make the the report inaccurate. Yet XXXX, XXXX, and XXXX continue to report this on my credit report. Before the account was sent to collections the account was a " Charge-Off ''. The IRS defines a " Charge-Off '' as a certificate of indebtedness and that it is considered Gross or Ordinary income. Income is not to be reported on the consumer report. Because the account was " Charged-Off '' that means that AAFES/MILITARY STAR submitted a 1099-C with the IRS but failed to provide myself with the 1099-C for tax purposes. I have reached out to AAFES/MILITARY STAR to remedy the situation and expected the matter to be handled with good faith, but I have been met with no response
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CA)

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across XXXX and XXXX. They ( UPSTART ) received that letter with certified returned receipt on XX/XX/XXXX. I received an email on XX/XX/XXXX XXXX Their response was a " canned '' response that " This account has been transferred to XXXX XXXX XXXX of XX/XX/XXXX, and they are the new servicer of the loan. '' A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-09-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Halsted Financial Services, LLC. (AZ)

In XX/XX/year>, I was contacted and told that I needed to pay or there would be court action. So I paid them one payment. Then my financial situation was worsened because of a car accident. I pay them XXXX payment in XXXX, but because my financial situation, I could not pay this month. I wrote a letter to email them but could not find a good email for them I then did research, other people also heard from them but was not sure about who they were and their status. I dont understand why they dont have an email. They can email me with a no return email, but XXXX cant email them. So before i send anything else I want to know if they are legit. The research shows thay do not and I dont want to send anymore money expecially in my financial situation.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been trying to log in to my account with Transunion to put a credit freeze on and am unable to contact them. I can not log in and they say my log in information, user name and/or password, is incorrect. I have tried to change my password and am not able to do that either. I have tried multiple times to call their phone number, XXXX, to get help with my log in and am not able to get through. The phone number is the XXXX on their website. They claim they are having website problems and I need to try again later and on the phone I am kept in a loop waiting for an agent to take my call. I tried press option XXXX to have them call me back and that did not work either. When I press XXXX to stay on the line they play an incredibly loud and piercing sound that is deafening and hurts my hearing. I eventually have to hang up before I go XXXX. They need to contact me and provide me with assistance to change my password so I can log in and they also need to put a freeze on my account. I am placing a freeze because my information has been compromised twice recently. Other consumers need to be made aware that Transunion is a poor credit bureau, I can't even get my free credit bureau report from them.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect balance, incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a double complaint. Transunion constantly locks me out of my account even though I am signing in with the correct information and on the same device ( s ) I need to dispute the inaccurate information on my credit report and can not do so because I can not log in. The company continues to fail to provide the services and is incorrectly reporting information.
Consumer complaint received 2024-07-01
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. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio (MI)

Finally, please note that although the account was sold to a third-party servicer, we are not affiliated with them nor their practices ; we also do not engage in abusive collection practices. We are also not affiliated with Huffman and Vance, the party mentioned in your complaint filed with the XXXX XXXX XXXX As you have no further financial obligation to XXXX XXXX, XXXX, and we deleted the tradeline associated with your account and as this is all we can do we deem this matter closed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TN)

Someone has stolen my identity and was able to open an account in my name and I only found out through my credit monitoring service. When I tried to call I was given limited information but was advised account was closed and a couple months later was notified that someone is still trying to use my information to open another account.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

on XX/XX/XXXX I accidentally made a payment to a FORMER mortgage company. I recognized the mistake and wanted to cancel online, but was not given the option. I called Chase the very next day, while the payment was still " in process '' and asked them not to send. They said they wouldn't, yet did anyway a few hours later. The bank that it was sent to does not exist ( they were bought in XXXX by XXXX, then XXXX  was bought in XXXX by XXXX ). Chase refuses to show me proof that someone cashed it, and keep telling me to contact the merchant that it was sent to though the merchant DOESN'T exist. They won't provide me with a routing number ( they said it's auto generated and XXXX  out ). I have also asked for proof that it was accepted, which they also will not provide. It is for {$2500.00} and they refuse to refund and continually tell me to contact the merchant it was sent to.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I was told I had a {$0.00} dollar amount as per the fact that I was both in school and not making enough for the {$350.00} default plan. I received NO NOTICE when I suddenly told I owed $ XXXX dollars a month. There is no website access from Mohela. They won't let me email, call, or login to my account. So I can I verify these payments, amounts, or even if it's my account they're charging?
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-05-14
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. (TX)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Account numberXXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-26
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: EQUIFAX, INC. (OH)

Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY
Consumer complaint received 2024-07-01
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-26
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. (OH)

Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX  BANKRUPTCY
Consumer complaint received 2023-09-12
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. (PA)

I kindly request XXXX XXXX XXXX account with a monthly payment of XXXX be removed from my credit report.Currently, this account is undergoing arbitration proceedings as there are several issues surrounding this account, and it is essential that each bureau continues to be in compliance with the law and that all reasonable efforts are made to verify the accuracy of the information before permitting its reporting. In accordance with the Privacy Act of 1974, as well as the the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), which underscores the critical need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. XXXX and XXXX are recognized as consumer reporting agencies, while I, as the consumer, retain the fundamental right to protect my personal information. 

This right is reinforced by 15 USC 6801, which establishes the congressional policy that every financial institution maintains an ongoing obligation to uphold the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.