davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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)

All 3 credit companies have been notify several times that they are reporting Late accounts that were fraudulently charge I have notified the creditors and credit companies to remove these accounts from my credit profile I have also sent a letter to the credit card company Initiating my permissible purpose rite under the fair debt collection practice act to stop reporting late payment and to remove the credit reporting of those particular accounts please instructed credit companies to update my credit report accurately and remove all late and collection payments thank you.
Consumer complaint received 2023-01-20
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)

I have loan with XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This account is in violation not reporting! 00 % accurate it list the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 15 USC 1681e ( b )
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and XXXX XXXX XXXX. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, 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. (PA)

I recently saw ( 3 ) three inquiries on my XXXX XXXX XXXX reports all from CHASE CARD exactly ( 2 ) two months apart supposedly in 2017. I was puzzled as I had not requested any applications via chase nor do I own any chase credit card, or affiliate. I have not owned a credit card in almost 6 years. 
Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017 I found out shortly that during the inquiries, chase bank had been hacked in early 2017 and reported it to consumers later that year. 

I called chase early around XXXX of this year The fraud department informed me that the inquiries were done by me on XXXX, etc. There is no documentation with my signature of application for any of these. 

I did not initiate inquiries from chase. Chase has no legitimate business with me nor do I with Chase. I have never had a product from Chase and/or an  account. 

I truly believe that my information was exposed from Chase 's breech and every 2 months someone was attempting to open a line before they stopped after the third time. 

Chase would not remove these bogus and stolen inquiries. I would like Chase bank with whom I have no business with to remove these ( 3 ) three inquiries from my credit reports.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

Hi I was approved for American Express credit card and I got my credit card in the mail on XX/XX/2018 and I needed a ride for lyft and my credit card didnt go through so I called American Express and they told they needed some documents from me and I fax it to them and had it notarized and also fax in my ID and I never heard back from them and I called them and they told me it will take 72 hours for them to call me and they never called and told me I have to wait another 72 hours and I did a balance transfer to pay off my other credit cards and they told me there no records of balance transfers and I will upset and told me give it another 48 hours to reflect on there systems and I need to have my credits cards paid off so I wont be in debt ... .. and American Express ask for my phone number in name and I told them I change it because I didnt like XXXX and I want a better service and I gave them this number XXXX and they said its a bad number ... ..
Consumer complaint received 2023-04-24
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. (WA)

My XXXX-branded credit card was moved from XXXXXXXX XXXX to  XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I had trouble understanding how my FSA.gov account showed that I had paid over {$15000.00} towards the original amount borrowed which is approximately {$30000.00}, and mohelas website shows that I still owe more than my original amount borrowed. They do not have a record of my loan documents to show how they have calculated the amounts that I owe. When I called and asked for a payment history of my loan I was told they could provide that information but it would have to be approved by a supervisor and take a few days. When the information was uploaded to my account it was just a report of each loan amount, the date it was taken out, how much interest is/was charged and what is still owed. I still have no record from my loan servicer of where the $ XXXX I have paid has gone towards. Additionally I was sent an email on XX/XX/XXXX stating Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX and your account will not be considered delinquent. Be on the lookout for your next billing statement and on XX/XX/XXXX I received an email stating Information is current as of XX/XX/XXXX Your Student Loan Payment is Due XX/XX/XXXX Current Due : {$440.00} Past Due : {$440.00} Total Due : {$890.00} So I received no paperless notification regarding my bill due which stated on XX/XX/XXXX I was not delinquent and XXXX days later I was a whole payment delinquent? Ive tried to call countless times and request information that no one seems to be able to provide and I have no idea where my {$15000.00} went if I have no payment history record to show other than the brief information on FSA.gov. I havent asked my original loan servicer to sell my loans from one company to the next and now I am the one having to put the puzzle pieces together.
Consumer complaint received 2023-04-24
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX  XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$7500.00} XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (OH)

On XX/XX/24 I deposited checks in the amount of {$23000.00}. 

On XX/XX/24 I signed a domestic wire that was successfully processed on XX/XX/24. 

On XX/XX/24 my online banking showed AVAILABLE BALANCE of {$23000.00}. 

On XX/XX/24 at XXXX XXXX  I received an email from PNC Bank stating that my AVAILABLE BALANCE is {$23000.00}. 

On XX/XX/24 I signed a domestic wire transfer, and the bank teller called me after I signed and informed me that the funds were being verified and came back as unavailable and my account will be on hold until XX/XX/24. 

On XX/XX/24 I called XXXX and spoke with a representative who contacted the Loss Aversion Department XXXX and I was told that the funds would be frozen until XX/XX/24 and that there was nothing he could do. 

On XX/XX/24 I spoke with an Executive Agent and was told that the funds were not verified and cleared before they were updated into my available balance and therefore my account will be on hold while PNC Bank works with their SERVICE PARTNERS until XX/XX/24. 

On XX/XX/24 I called again to XXXX XXXX  and was transferred to XXXX. My PNC account was transferred to the EXCHANGE for RISK Department because my money was used by PNC Bank to purchase a DERIVATIVE INSTRUMENT and therefore the domestic wire transfer that I signed on XX/XX/24 was not successfully processed. 

On XX/XX/24 the Exchange for Risk Department transferred me to XXXX. 
My PNC account was transferred to the LOSS AVERSION Department to calculate the risks PNC would have to take for purchasing a derivative instrument with my funds against my consent. 

On XX/XX/24 the Loss Aversion Department transferred me to the Fraud Department. After verifying that the checks that I deposited via branch teller on XX/XX/24 were from the same employer as the checks that posted to my account previously on XX/XX/24 via branch teller, my account was then transferred back to the executive department to have the hold removed by XX/XX/24. 

As of XX/XX/24 the hold has not been removed from my account even though the deadline to remove the hold was XX/XX/24.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I mailed a certified letter requesting to remove unauthorized inquiries reporting on my credit report. It is affecting my score and the credit bureau have not removed them. These unauthorized credit error. Please assist in removing and fixing this error. Listed below are the unauthozized inquiries
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$7500.00} XX/XX/XXXX
Consumer complaint received 2023-09-16
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. (GA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation that was placed on my PayPal account ( email address : XXXX ). I strongly believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

I would like to clarify that I have not violated any PayPal policies, nor have I engaged in any fraudulent activities or activities that would warrant the permanent limitation of my account. I have always used my PayPal account in accordance with the terms and conditions outlined by PayPal, and have been a loyal customer for a considerable period of time. 

Therefore, I respectfully request that PayPal re-investigates my case and provides a detailed explanation as to why my account was permanently limited. I am confident that upon re-investigation, you will find that I have not violated any policies or engaged in any activities that warrant the permanent limitation of my account. 

Furthermore, I request that my account be restored to full functionality if the investigation reveals that there was a mistake made in limiting my account. I rely on PayPal for various transactions and it has caused me great inconvenience and financial loss since the limitation was placed on my account. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (MN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX & Zip : XXXX, TX XXXX Re : Identity Theft Complaint ( Remove Inaccurate Inquiries ) Receiver : Chex Systems , Inc. 

Address : XXXX XXXX XXXX City, State, Zip Code : XXXX, MN XXXX Attn : Consumer Relations Consumer ID : XXXX To whom it may concern, My credit consumer report withholds inaccurate information communicated from Chex Systems provided by their client XXXX. These transactions were initiated without my permission. I did not consent to any of these inaccuracies and have filed a complaint of the violation. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX has already been made aware of these inaccuracies. On behalf of their client, I am upholding Chex Systems to the same standard of the law. These inaccuracies are a violation of my consumer rights to privacy, and a violation of the reporting agencys unfair reporting of inquiries that I did not consent to. 

The inquiries listed below should be removed IMMEDIATELY, as they are inaccurate, and violations of my right to privacy and the Fair Credit Reporting Act : ChexSystems Date Creditor Name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX The above, inaccurate inquiries should be removed from my consumer report immediately. 



Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (VA)

I saw an account on my credit report page from AFFIRM INC . I was told it was a loan from XXXX. I have never taken out a loan from Affirm Inc to travel. This is a fraudulent account that wasn't mine. The loan open dates is XX/XX/2017 and the amount shows is XXXX. This is not my loan or account and I want it removed from my credit report.
Consumer complaint received 2023-02-19
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: OLIPHANT FINANCIAL, LLC (LA)

I began receiving collection letters and calls from Oliphant Financial LLC stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for Oliphant Financial LLC. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from XXXX XXXX XXXX. On XXXX/XXXX/23, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and Oliphant Financial as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.