davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-11-13
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)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (OH)

Starting the third week in XXXX my escrow balance is {$1800.00} and my principal balance is {$1200.00}, Shellpoint Mortgage will not allow me to used escrow balance to pay off my loan, so I would go online a complain every week since XX/XX/XXXX, but each week Shellpoint Mortgage send me a letter saying, " We are working to gather the requested information and will forward it to you as soon as possible. '' I have received three letters but no answer to my question. I called to talk to a manager on XX/XX/ and was told someone would call me back, still waiting. During the conversation on XX/XX/ I was told to make my monthly payment of {$1500.00} ( {$430.00} is my T @ I ) but I kept trying to explain that my escrow account is larger than my principal balance. Now Shellpoint has now added a late fee but refuses to answer my question, also ; each month Shellpoint would send me a monthly statement/coupon to make my next payment, after I made my XXXX payment Shellpoint has not send me my XXXX statement/coupon to make my XXXX payment.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I have been using PayPal for a few years to receive refunds for small purchases I make for my family members. In addition I used payPal for small online purchases, generally less than {$200.00}. I have a valid credit card linked to the account. I also have a positive balance of {$2900.00}. in the PayPal account. 
On or around XX/XX/XXXX  I went to PayPal to pay for a purchase from XXXX XXXX XXXX  for the amount of {$1.00}, when I discovered that my funds were not available and PayPal had a banned on the account that I could no longer use their services, which is fine, and that they would hold my funds for 180 days, which is not fine unless they provide a valid reason for the hold. 
They claim that I am a high risk client, but do not provide a reason for that.
Consumer complaint received 2023-10-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MI)

Sallie Mae is contacting me up to 12 times a day. Contacting family and friends to try to get information about me, telling them that I gave them their contact information. ( Which never happened ) I have several people calling me asking why I gave their information out.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (TX)

My complaint is against Equifax, on XX/XX/2020, I noticed my credit score has drop 8 pts., between XX/XX/2020 - XX/XX/2020. Between XX/XX/2020 - XX/XX/2020 my overall payments decreased, my XXXX XXXX account decreased {$1000.00} and my XXXX XXXX XXXX  decreased {$9.00}, with no late or missed payments during that time period, if anything my credit score should have increase. Equifax can not tell me how this happen. I wish Equifax can resolve this issue, if not I will file a civil suit law against Equifax, because my score continue to drop for no reason, I lost my home loan because of this mistake or computer error.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

My fidelity rewards visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, my rights. 

15 U.S.C 1681 section 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 a account without my written instructions
Consumer complaint received 2018-05-11
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. (CA)

XXXX # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX   # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Transunion TU # XXXX XX/XX/XXXX sent, response recieved, XXXX  XX/XX/XXXX, no changes TU # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes TU # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is reporting to my credit profile as charge off or other derogatory. this account was paid in full, It should not be reporting as a charge off or derogatory this account was paid and settled, I have tried on many occasions to have the status updated. 
Also, there are addresses reporting that I never lived at these addresses. 
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
Consumer complaint received 2021-08-26
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: LEXISNEXIS (NJ)

I have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and XXXX, I was told that the information has been verified by a third party company called LexisNexis. 

I then contacted LexisNexis on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and XXXX. on XX/XX/2021, LexisNexis sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my LexisNexis report. 

I contacted XXXX  and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that LexisNexis was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that LexisNexis was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( LexisNexis ) is either continuing to sell this misinformation about me, or XXXX  and XXXX  are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( LexisNexis ). 

I expect to have this incorrect public record removed from my XXXX  and XXXX  credit report ASAP.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I made a purchase via Paypal and purchased item from a online vendor at XX/XX/2023 where the vendor portend to be an US vendor ( paid shipping cost XXXX ). Then, the item came after 2 weeks which is completely different from description. I tried to solve issue with the vendor directly but the vendor refused to provide a feasible solution. The vendor want me to either ship the item back to XXXX at my own cost or get a refund for 10-20 %. Then, I have no choice but to escalate to paypal on XX/XX/2023. The response I received from Paypal is that I need to ship the item to XXXX at my own cost which is close to the amount of my total purchase. Either way, I will loose the total amount. To seek help, I also called paypal to explain the situation and seek help on paypal online community and I write my story there. 
XXXX XXXX XXXXXXXX # XXXX Surprisingly, after I posted my story on community, paypal banned my community account the very next day. 
But if you check the paypal buyer protection policy listed on their website. Paypal protects buyer if the item received is completely different.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation (PA)

On XX/XX/2023 I made a ( 5x ) amount of my minimum payment amount to the XXXX XXXX  XXXX from One Main Financial. My payment was rejected for reasons unknown. On XX/XX/XXXX or XX/XX/XXXX I reviewed my XXXX XXXX XXXX and noticed a failed payment, made necessary corrections to rectify this issue with a successful payment of the same amount. This second payment was successful. 

The following into the work week of XX/XX/2023 I noticed my XXXX card was locked due to " suspicious or fraudulent activity '' because the payment was reversed. I called the company and requested what has to be done to correct this issue ; the representative said send in a current bank account statement, current drivers license, or current ID card with social security card, to verify my identity which was all action needed to remove the block. Upon sending my drivers license and social security card, with my bank account number used tk make the payment, my account is still blocked unless I release bank account statements as well. Per policy the block should be lifted and removed in accordance with actions being fulfilled that were needed to do so. The credit card company does not need to see my personal bank account statements. As long as payment was successful and are continued as such, personal account statements should not be required, as per company policy to remove such blockages. 

I've attached the promise to pay, the agreement on amount to pay, the non charge of returned payment fee meaning a penalty was not assessed for returned payment thus a returned payment blockage wasn't necessary if the company deemed the fee unnecessary. If no fees were asked for returned or denied payments, why is there a blockage on my account and my credit card, denying me access to the usage of my account unless I give permission for the credit card company to view my personal banking statements even after successful payment.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This was cancelled debt and is accurately being reported per 15 usc 1681e ( b ). I filed a dispute and it is still reporting to all three bureaus. 

XXXX XXXX Credit card
Consumer complaint received 2023-10-19
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. (WI)

I was a victim of identity theft, I provided the proof and paperwork TransUnion required and TransUnion make changes to my credit report based on their factual findings regarding this incident. 

Claim 1. ) There was a child support obligation claimed, which was removed because it was found by transunion not to be accurate or supported by the provided evidence. Some period later perhaps a year TransUnion placed the same child support obligation back on my credit report. Items on a credit report must be absolutely accurate, TransUnion made a factual finding that the same information was inaccurate and removed it they can not now place the same account back on my credit report. 

Claim 2. ) It is my information and belief that my credit report has been commingled with another credit report. The evidence I have to that fact is attached hereto. Essentially, I pay for report directly from TransUnion The product I purchased was " credit monitoring '' My username for this credit monitoring account is " XXXX '' I have attached screen prints from this account. It is painfully obvious that this is not my account it has a credit score of 4 when I pull up my account on myFICO My actual TransUnion report is provided screen prints will be included. It is very clear from all the evidence that they have commingled my file with someone else 's file. In an effort to get to the bottom of the situation I called TransUnion and the TransUnion rep asked me what my social security number was, and mentioned that it did not match with the social security number displayed on their screen. They have actually denied me directly access to my credit report, I had to go through another website in order to get a copy of my credit report thus having to pay twice. Therefore not only is this child support obligation not mine and should be removed from my credit report they have mixed in elements of some other person 's credit report with mine. 

Claim 3 ) I have a right to privacy but they are constantly and specifically abridging that right by commingling my information with that of someone else on another report entirely and ruining my credit and furthermore not providing me with the report that they are legally required to provide.
Consumer complaint received 2023-10-19
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. (TX)

I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (PA)

I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schreiber Law LLC (MA)

Just prior to XX/XX/2021 my husband and I refinanced our mortgage and arranged to pay off some outstanding debt. One of these was a XXXX XXXX XXXX  account. This was paid off by XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, a law firm retained by the bank we were borrowing from. A letter closing the account was sent to XXXX XXXX as well as a check for {$600.00}. The check was cashed and returned as paid to XXXX XXXX. Since then XXXX XXXX XXXX turned this paid debt over for collection to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX who has retained Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX. XXXX NH XXXX to collect this paid debt. I have made numerous phone calls and provided copies of a letter closing the account and copies of the payment check and record of deposit to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Schreiber Law with no success toward resolution and in fact receipt of a most uncooperative and evasive response. 
Account number available upon request.