davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (NV)

This is my 20th 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 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (PA)

So first of all, your generalized questions did not fit my situation, the credit card company ( XXXX ) has done absolutely nothing wrong and been very helpful. The problem is with PayPal. 
My mother and I share a credit card. I used it to make a payment on a purchase at a XXXX XXXX, XXXX XXXX XXXX ( phone number- XXXX ). 
Because the name that appeared on the statement was XXXX XXXX XXXX, my mother thought this was some sort of dating site trying to scam us. She called XXXX and reported suspicious activity. I got home from work a short time later, we talked, she learned what happened, and immediately called XXXX back. This occurred in such a short time frame, XXXX had not even cancelled the transaction yet, and allowed it to go through. End of issue. ( PayPal Invoice Number : XXXX ) ( XXXX ID # : XXXX ) PayPal has now kept my approximately {$2600.00} for 10 days now for absolutely no reason. Every time I call them, they claim they are waiting on the seller, or XXXX, or both. I have reached out to both the seller and XXXX XXXX Services ( phone number : XXXX ) several times. Both are unaware of any action they are required to take, both have requested PayPal call them and left PayPal numbers and messages several times, and both have been ignored. No one, including XXXX, understands why or how PayPal is allowed to just keep my money as long as they want, and no one seems to be able to explain to me when they will give my money back. They say they are waiting for the conclusion of an investigation by XXXX, but XXXX has confirmed several times that there is no investigation, and was no fraud. I dont know how to get my money back, I dont understand why they think they are entitled to keep it, I dont understand any of this and I need help. Thank you. XXXX XXXX, XXXX
Consumer complaint received 2023-11-17
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. (NJ)

They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on my credit report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This is XXXX XXXX XXXX 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 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I deposited money inside the bank never went or touch the ATM. But they said I withdraw {$800.00} in which I never had {$800.00} at the time. I deposited {$400.00} inside with the teller.
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (GA)

On XX/XX/XXXX TD Auto finance ran my credit with out my authorization and it hit my credit score hard. I have reached out to TD Auto finance by mail about this issue twice and there was no responses from TD Auto Finance I mailed out dispute letters on XX/XX/XXXX and XX/XX/XXXX. The phone number that is reported on the credit report for this company is disconnected. I had to XXXX the company number and reach out to them and left several voicemail and no one contacted me back about this matter. I have giving them plenty of time to get this issue resolved. And I just want to have this inquiry taken off my credit report.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

The card that I held was a Caesars Rewards VISA Card by Comenity Bank. 

In XXXX of 2023, there was a hotel charge that appeared twice on my bill. I attempted to dispute that charge through my credit card company, which they were happy to take on with me. They said it would probably take a few months, which was fine. 

This is not a card that I use that often, so it has never carried a balance. 

After the first month of it being investigated, I noticed that there were interest charges that appeared on my bill. I had autopay enabled on my account, so it should have automatically deducted any amount that was due. 

When I called to inquire about it, the rep that I spoke to ( XXXX ) let me know that any interest that accrued while the investigation was ongoing would be 100 % removed at the end, and that I was not responsible for it. 

By the time the investigation ended, after several calls and emails with the bank, they informed me that the interest charges were valid, even though their rep had told me something entirely differently, and they could have taken my payments at any point under our initial agreement. 

Now, the total interest is not much ( $ XXXX $ XXXX $ XXXX {$3.00} ) {$9.00} - because the one charge that was pending while all of this was going on was not much, and it has been paid and my account with them has been canceled.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion is reporting inquiries on my credit report that is inaccurate account information. Informed Transunion numerous of times regarding inaccurate information and credit report. Provided company with proof of account being paid in full and closed. Transunion still refuses to remove inaccurate information
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Debt collection letters were recieved at previous address when I was living at new address. Once I became aware of the letters, I sent debt validation letters to Portfolio Recovery Assocaites attempting to verify the debt requiring 1. Verification of the amount owed, including a comprehensive breakdown of the principal balance, interest, fees, and any other charges applied to the account. 

2. Copies of any agreements or contracts signed by me, which establish my liability for the debt in question. 

3. Proof of your authorization to collect this debt, including documents demonstrating that Portfolio Recovery Associates , LLC has the legal right to pursue collection activities in the state of Florida. 

4. Verification that the statute of limitations on this debt has not expired. In Florida, the statute of limitations for most types of debts is five years. Therefore, please provide documentation indicating that the alleged debt is still within the legal timeframe for collection. 

5. Information about the original creditor, including their contact information and the nature of the original debt. 

These letters were sent on XX/XX/year> and no response was provided and have yet to rerspond or provide the required information as of XX/XX/year>.
Consumer complaint received 2023-11-28
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. (PA)

I am following the rules that your company states I must follow however, I am a victim of either identity theft or an accuracy on these credit reports and although I monitor my credit often I have been reaching out to TransUnion now for the past 6 to 9 months to please get these off of my credit report I am finally doing a consumer financial protection bureau report, because Trans Union is one of the only credit bureaus that will not help you remove inquiries in a proper and professional manner, even if they know that the inquiries are not yours, even if they know that the inquiries were illegally unprofessionally and improperly placed on your consumer report and even if they know, did you did not apply for this product TransUnion still gives no leeway and getting these inquiries taken off of the report like the other credit bureaus do. 
Right now I am battling TransUnion and I have disputed these inquiries starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number four is questionable because I dont know if I actually have a card that is attached to this account or not and I have tried to reach out to the company and to my cards but of course nobody wants to help so I have not been able to verify this court or if it is attached to any account that I have, but I almost positive that it is not, and it is the last inquiry on TransUnion that I need immediately removed 4..XX/XX/XXXX XXXX ALL OF THE OTHER INQUIRIES, I BELIEVE OUR MIND, AND OR ATTACHED TO CREDIT ACCOUNTS THAT I HAVE OR HAVE APPLIED, FOR I HAVE NEVER REPLIED TO ANY OF THESE COMPANIES LISTED ABOVE, AND I DO NOT WANT THEM FRAUDULENTLY OR IMPROPERLY ON MY CREDIT REPORT. 
WE ARE IN VIOLATION OF CODE 1681B2 AND CODE 1681 C2 ALSO 15 US CODE 1681 EB AND ALSO US 15 CODE 1681 a2 Why any of these credit reporting agencies or any of your companies think it is OK to be in violation of these codes knowing that some of us as consumers know our rights and no our laws and I am telling you that Im going to keep writing and keep bothering and keep putting forth these professional rules, and guidelines we were supposed to adhere to until something is not about this. I should not be battling one reporting agency for for inquiries that were taken off in a matter of 15 minutes by the other two credit bureaus because they knew they were fraudulent in notof mind doing. 

So once again, without giving out any personal information, I want these inquiries immediately removed from my personal consumer report with TransUnion. They are violating me and keeping me from maintaining proper and ethical credit decisions and monitoring, and I continue to monitor my credit and I will and this is the second attempt to reach out to TransUnion, where they have failed to get back to me in a timely manner I will not let there be a third
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yours Sincerely XXXX, XXXX
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ME)

I had scheduled payments to pay off my balance within the promotional period and due to issues with setting up my account on their website, difficulty navigating their payments page, and ultimately a typo made out of human error, I was charged a {$30.00} returned payment fee. My initial payment on the balance on XX/XX/XXXX processed correctly. Additional payments I had set up used a saved account number ( for the same account ) that I did not figure out how to save until the second payment I had scheduled ( which then carried onto payments scheduled through XX/XX/XXXX ). My original intention was to set up autopay but I could not access it on their website. I do not feel this penalization is fair and was not notified of the issues until today ( XX/XX/XXXX ) when I received a call for a due payment which I had thought to have already been paid. Additionally, the phone representative informed me that this fee would have accrued interest while paying off my promotional balance and I requested that this have payment allocated to it first to negate additional interest fees. Lastly, the phone representative informed me that he could not assist me to rectify the issue with the future scheduled payments I had used the same incorrectly typed account number on and told me I would have to login via computer ( not possible on the mobile website ) to cancel the payments. He was able to help me set up autopay going forward but said if I didn't cancel the previously scheduled payments each one would accrue the same {$30.00} late fee and he had no way to help intervene over the phone.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VT)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
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. (AZ)

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

Below are the negative account/accounts impacting my credit DEPT OF EDXXXX XXXX {$120000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$1100.00} XX/XX/XXXX XXXX  XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX
Consumer complaint received 2023-05-07
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (NJ)

I was sent a letter from a collection agency that I owed XXXX XXXX XXXX {$600.00} on a XXXX XXXX dollar credit limit they said that I owed {$600.00} after I was making payments every month and my credit report is horrible because they lied
Consumer complaint received 2023-12-18
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: Cascade CISS Holdings, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.