davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX On XX/XX/XXXX I called XXXX XXXX XXXX ( XXXX  ) whom my car loan is financed. I informed them I was paying the car on XX/XX/XXXX as I had an emergency expense come up. I was forced at that time to pay {$100.00} as a good faith payment. On XX/XX/XXXX I paid the remaining XXXX which was less than XXXX  days. XXXX  REPORTED ME MORE XXXX  days late on my car payment that month lowering it school and making me ineligible for a mortgage. 

I called the company on XX/XX/XXXX to alert them of this issue and I was told they had mail me a dispute form. This form never arrived to my current mailing address. 

I respectfully request XXXX  immediately correct their error as Ive been damaged by their reporting misinformation.
Consumer complaint received 2024-04-10
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)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2024-02-20
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 (TX)

On XX/XX/XXXX, XXXX found out my PayPal account had been permanently restricted keeping me from getting my XXXX Funds and cash balance out of the account. I have not violated anything in the terms and agreement so at this point my funds are no longer theirs to hold. I have nothing in previous transaction that will explain a legal right for PayPal to hold these funds for any longer. I am having a financial crisis because of this action from PayPal. I will end up in the streets because these funds are being withheld from me. PayPal chose to close my account they no longer have the right to hold my funds. I called several times and on one occasion was lied to about no supervisor because they are all of equal authority. Yet I called again and was told they needed to speak with a supervisor. Remind you now these are recorded conversations. I was told the wallet was getting accessed from XXXX I don't know anyone in XXXX so this was another lie. I feel as fast as they restricted the account they can restore it long enough to get all my funds out immediately. I called on XX/XX/XXXX @ XXXXXXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX. 
The amounts of funds are {$1400.00} XXXX {$160.00} I know there is a way to give me access long enough to get these funds out since they closed my account of their own decision. I give them to XX/XX/XXXX for this to be completed. I will also be filing a small claims lawsuit should they feel they can legally hold my money still which has caused a serious financial hardship. 
To resolve this I will need immediate access to my funds. I look forward to PayPal reply ASAP them informing me to receive all my funds immediately. 
I will expect my funds released immediately or I can get in touch with several other organizations that can get this resolved. I'll for sure let the Texas XXXX know about this. XX/XX/XXXX Sincerely, XXXX XXXX
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX
Consumer complaint received 2018-11-14
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. (CA)

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX  and after reviewing my credit reports provided by the XXXX, Equifax and XXXX, account, XXXX/XXXX XXXX is still being reported inaccurately and was never properly verified or investigated. Per XXXX  report dated XX/XX/2018, payment status reported me as current, was past due 150 days. Then on credit report dated XX/XX/2018 after requesting a proper investigation to verify accuracy of account, they report, again that I was current, was past due 150 days. Then on XX/XX/2018, XXXX reports, I am current, was past due 180 days. Which one is it? How they report that an item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, on ( 3 ) separate months? Nor is there an account balance being reported according to Equifax. These CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore I request deletion of this account. Please see attached proof of the data being provided by these CRA 's that are NOT accurate!
Consumer complaint received 2024-04-10
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. (GA)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my accounts. Regrettably, this marks the many formal request for the resolution of this pressing issue. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved and continue to adversely impact my financial well-being. These unauthorized activities not only jeopardize my financial stability but also erode my trust in your organization 's ability to safeguard my accounts. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my accounts and providing me with confirmation of their removal. Additionally, I request a comprehensive investigation into the root cause of these unauthorized transactions to prevent similar incidents from occurring in the future. 

The presence of these fraudulent transactions on my accounts has caused significant distress and inconvenience, and it is imperative that they are addressed without further delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (IA)

i am filing this complaint against both Jefferson capital System and XXXX XXXX XXXX XXXX. it appears that JCS has went into my Transunion consumer file w/o written permission 15 u.s.c 1681 b and logged that i owe them as a collection {$730.00} ( via a XXXX  account ) of which JCS has never contacted me in regard to this false debt claim, not by letter, telephone, email, or any other form of communication. in direct violation of 15 u.s.c sec. 1692 g, f b and a. again there has been no communication whatsoever regarding this debt claim, immetiately dropping my score 49 points.i do not have nor have i ever had a contract with JCS. i personally this is done in retailation to a court action that i was successful against them last year. they know my address, my phone number, my email and yet no contact what sover regarding this new filing placed on my consumer report. this denying myself the opurtunity to have them validate this collection claim. yet another violation of 15 u.s.c this is also a cease and desist demand to JCS who has knowingly and willingly violate numerous rights under 15 u.s.c not to mention transunions vefication method is flawed or JCS flat out lied to them either way my credit dropped XXXX  points with no notice or aportunity to challenge this XXXX debt.
Consumer complaint received 2018-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX
Consumer complaint received 2018-11-14
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: Experian Information Solutions Inc. (NV)

I review my credit report and I notice two hard inquiries that are fraudulent, please remove these two fraudulent hard inquiries from my credit report. XXXX XXXX/XXXX XXXX XX/XX/2018 and XXXX/XXXX XXXX XX/XX/2018
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC. (TX)

Caine and wiener in which there is no lawful contract with the company has continued to contact after a cease and desist and will not produce the claim they have against the account the account holder or the original wet signature contract between both parties. This company obtained my private information without consent and authorization and now us unlawful reporting a account to damage the credit worthiness of the principal surety
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

I have not owed XXXX any money in over 10 years all of a sudden a debt is reported in the amount of $ XXXX on my credit report with a company called Jefferson Capital Systems XXXX I have never heard of the collection agency.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Never received a notification of monthly statement or the statement itself for XX/XX/XXXX, as a result payment was late by one day. I was charged a late fee of {$30.00} on XX/XX/XXXX. Full Balance was paid off on XX/XX/XXXX. Request a refund of late fee on XX/XX/XXXX. Was credited a partially only {$15.00}. I asked to have the full {$30.00} credited but the bank cited new cfpb regulations as the reason they are only crediting {$15.00}. I am requesting a full refund of the {$30.00} late fee credited to my account.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Rocket Mortgage, LLC (KY)

I applied for a loan online received a call stating that I was approved for X amount of dollars gave them all my information regarding my bank account routing number loan number etc. have yet to receive funds have already had my identity stolen multiple times they say there with Quicken loan yet when I called them they answer the phone and when I start discussing where my money is they hang up on me the phone number is XXXX XXXX XXXX. Every time I call they hang up on me
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-02-28
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)

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DPT EDXXXX : # XXXX, XXXX XXXX : # XXXX*, DPT EDXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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, has violated 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

This company completed a charge-off which is debt that has been discharged and they took a tax write-on XX/XX/2022. After contacting the IRS they explained that it was illegal that that they were reporting this information to my credit report trying and still trying to collect when this transaction has a charged-off status. This is called tax fraud by the IRS. I requested that they remove this item from my credit report and send me my COMPLETED copy of the 1099-C so I can audit it to ensure you they comply. They violated the FCRA 15 USC 1681eb and they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations against the company. Then they did not credit my account from the dividend payment that they made off of my treasury coupon via the Electronic Funds Transfer Act and I would like you to do so promptly.
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/2017 I saw that I haven't applied for a chase card. I call up the company to tell them that it was mistaken identity but never took it off my credit report. They told me that this will stay on my credit report. I have no idea about this account, can you please take this off!
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Equifax added and XXXX XXXX XXXX account to my report that I have no knowledge of at all. It is reporting on XXXX as XXXX XXXX as a closed account which isn't mine also. Please remove these account and negative items from my credit file as I have no knowledge whatsoever of these items.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I attended cXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX During that time I had XXXX and XXXX loans. Im consolidated them with XXXX XXXX sometime between XXXX. They were bought out by XXXX. From XXXX, I worked for several non profits. Unfortunately I didnt understand the PSLF process until it started getting a lot of press during XXXX XXXX XXXX. In XX/XX/2022 I applied and was approved after the required consolidation into an XXXX plan manage by XXXX. The rest of my loan, around {$3600.00} was forgiven. I made years of payments to XXXX over the required XXXX PSLF. And I made some payments during the pandemic which I wasnt required to. XXXX told me I would get a reimbursement check from the federal government but I havent. XXXX says they have no responsibility. XXXX says XXXX not eligible for reimbursement because i consolidated too late in the process of making XXXX payments. But part of the XXXX waiver program that ended in XX/XX/2022, was that you wouldnt be penalized for consolidating late, you would be eligible for XXXX even though you didnt have the right type of loan when you made your XXXX payments, youd have your balance forgiven if it was under a certain threshold, and youd get reimbursed your overpayments! So Im writing to you to request assistance in obtaining my reimbursement which is approximately XXXX years worth of payments. Thank you in advance for your assistance. I need to know what agency is supposed to reimburse me and assistance in advocating that I receive it. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXXXXXX  I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX  to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends in XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (IN)

I has a credit card with XXXX which suddenly went out of business and canceled my credit card. I have no balance. My credit card went down XXXX pts. I did not cancel the card. There is no longer a store. Why should I be penalized?