davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : My only request is that you delete that bankruptcy from my report for the following reasons : According to 15 USC 1681 ( a ) ( 4 ), 15 USC 1692 ( a ), and 15 USC 1681 ( b ) ( 2 ) You have used an abused practice to violate my ( the consumer ) right to privacy by reporting to an agency ( ies ) or third party, a public record which you were not given permission purpose to report or furnish and that report was not furnished due to a response to the order of a court, written instructions from me ( the consumer to whom it relates ) and/or any other reason within 15 USC 1681 ( b ) ( 2 ). Neither have you provided an investigative consumer report that proves you have not used public information to report or furnish my ( the consumer ) information to other reporting agencies or third parties. Lastly, you furnished that report that was not used or helpful for obtaining credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under 15 USC 1681 ( b ) This letter is my final communication in regarding the unlawful entry of a bankruptcy through XXXX XXXX XXXX ARKANSAS At his time take action and delete your unlawful entry ( XXXX ) from my ( the consumer ) report. Failure to delete satisfactorily within XXXX  days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Right to privacy XXXX. ) Permission Purpose XXXX. ) Investigative Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AR XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have written three times and called Experian, explaining they are reporting an account that has been transferred and should show as close. In stand, they are reporting the account twice. I have given them documentation of my total student loans and they still have not corrected the report. 

I have written three-letter and each time the information has not changed. The two accounts have the same information. My only option at this point is to file a suit against Experian for publishing a false credit report under my name FAILURE to COMPLIANCE with REPORTING LAWS, certainly, the METRO 2 Data Formatted Reporting Regulatory Standards although the XXXX XXXX XXXX is DESCRIBED as being a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting to create an accurate report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

According to section [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these inquiries Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these fraudulent inquiries.Please help me delete these illegal inquiries from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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: Experian Information Solutions Inc. (OH)

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 anxiety, 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 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi bank closed my account while I was traveling after a week of it being open. I made no abnormal transactions and put in XXXX. They are withholding the money from me and I need it now. They gave me no prior notice and I had to sit on hold to figure this out.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

I am on XXXX and there are no limits or amount of money that can be in an account as with the {$2000.00} limit for SSI. From XXXX to XXXX I had in my checking account {$5700.00} with no transactions or withdrawal or even further deposits as I no longer had access to my card or phone with banking information until recently again after doing video verification with Georgia XXXXXXXX XXXXt that made my license and state ID compliant and updated address. I have never had confirmed by SSI in Washington DC any bank garnishments against my account and you will find this by looking at my statements uploaded as well in PDF. Chime tells me that SSI had to of reversed payments although statements don't show any deductions only past deposits.My monthly deposits over the years adds up to the amounts that were in my account until XX/XX/XXXX where it shows the bank did adjustment not by SSA Department of Treasury as when deposits were made. Chime is satisfied by saying that SSA must have taken the funds that they expect me to just walk away from my XXXX money that I have been receiving since XXXX but with XXXX XXXX XXXX  which I had been banking and had car insurance with since XXXX. I am now going with XXXX XXXX XXXX for any future direct deposits and want my money put back in my account for {$5700.00} so when my new XXXX XXXX  card arrives by Tuesday I can transfer my total including what is in my account now of {$1700.00} plus the {$6000.00} to XXXX XXXX  which has been as easy unlike with chime with XXXX so I know I won't run across this again with new bank.
Consumer complaint received 2023-12-22
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)

This is my other 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 items XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023.
Consumer complaint received 2024-04-17
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score .In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. XXXX XXXX XXXXXXXX, account number-XXXX
Consumer complaint received 2023-12-22
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. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have been through lots of undue torture between you ( XXXX and XXXX ). Here I am, a law-abiding tenant who doesn't have a history of late payment being put under undue pressure just because I had the effrontery to stand up to a management staff and in retaliation was told to start parking my vehicle outside the premises. 

As such, I was incurring towing fees, which made me break my lease and since XXXX knew they could hide the lease agreement to perpetuate their evil act, I was charged the lease termination fee. They took me to collections and I didn't make a fuss about it and tried to work with you ( Genesis ). 

You sent me an email claiming I may qualify for a 25 % deduction, which made me reach out to reason with you and since we didn't come to an agreement, I went about my way. I got the same notification again and reached back out and you insulted me by saying I should get off your phone if I can't pay you {$3300.00} or so, which made me go off on the guy called XXXX. 

To my amazement, someone named XXXX reached out to me via text saying I qualified for significant savings, it would expire soon and that's when I reached out for this final negotiation. 

XXXX agreed to a payment of {$2200.00} as my final payment so I thought, only for you to turn around to claim that the {$2200.00} is a single clean-up for me and the balance belongs to my husband. I, unfortunately, don't recall that verbiage as that may have been your plan all along with your boss to ensnare yourselves ( not me ). You XXXX, didn't send me the invoice receipt of my payment and the communication to advise me of the cleanup of my credit record as promised, more so, you started dodging my calls as you never called back despite what I was told by your colleagues you would severally. 

You were deceptive in how you collected this debt from me. You blatantly lied to me. There was no mention of my husband going to pay another portion until I made the payment of {$2200.00} which means you used trickery on me. 
I would like for you to provide all communications including telephone records to prove what we had agreed upon as that is the only evidence I have right now to prove my case.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit file today and saw items that were investigated by TransUnion and removed reappear on my credit file. ( Account XXXX : XXXX XXXX XXXX {$430.00} ) ( Account XXXX : XXXX XXXX XXXX {$510.00} ) ( Account XXXX : XXXX {$250.00} ) ( Account XXXX : Capital XXXX -Deleted as a collection but showing as a charge off reporting late payments, and ( XXXX XXXX ) This is inaccurate information. These were investigated by both XXXX and XXXX, and they came back with the same result. I have had to go back and forth with TransUnion as if I am bothering them for trying to get help on this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Transunion. I have been very ill this past few years and going through this back and forth with TransUnion is taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CO)

CitiBank recently closed my accounts because I accidentally clicked the wrong payment account when I paid it ( they closed both accounts even though the accident was only on one of them ). This was an extra payment, so I had not been late even one time in years.

I had been paying my amounts down with money left over at the end of the month.

When they closed my accounts, I panicked and opened new credit card accounts knowing that the closed accounts would harm my credit.

Now, they admit it was a mistake but can not restore my accounts because I opened those new accounts, which I would not have done had they not closed my accounts in the first place! 

Now, this is going to destroy my credit which I have been trying to rebuild after my divorce.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NJ)

On XX/XX/XXXX, my phone was stolen and the individual had sent himself {$3200.00} from my PayPal account to his. Due to my phone being stolen & not having direct access to my PayPal app account. I didnt not realize funds were taken out of my account until XX/XX/XXXX. I tried to reach out and solve it personally but was unsuccessful. I wasnt able to get back in my PayPal app account until XX/XX/XXXX where PayPal told me to request it from his account. They were waiting to hear back from this person but was unsuccessful. I made a dispute on the XXXX but on the XXXX it was denied due to the transaction being made from my personal phone that was stolen from me. Once I clarified that my phone was stolen an appeal was made and they asked me to file a report with IC3. This report was made that same day. They made an appeal but I still have not received the money back that was stolen from me.
Consumer complaint received 2024-03-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Stewart Information Services (MD)

My father passed away in XX/XX/XXXX. I inherited his home. 
After his death, during COVID, I took out a loan from XXXX XXXX. In XXXX, I thought I sold the home for the equity to XXXX. That's not what happened. The Massachusetts AG found XXXX engaged in deceptive and fraudulent practices last XXXX. 

In short, on my settlement statement, they listed the purchase price as {$440000.00}. However, they also listed approximately {$410000.00} in " fees. '' Stewart Title performed the underwriting for the transaction. They failed to escrow ANY money. 

XXXX XXXX filed a claim against the title insurance ( that I was encouraged to buy by XXXX ), and Stewart Title, in turn, filed a claim against me for their failure to withhold the money. 

Today, Stewart filed a Bank Garnishment against my employer, the State of Maryland, and me to recover the fraudulent claim. XXXX XXXX Circuit Court XXXX XXXX. XXXX I filed a counterclaim in XXXX, but Stewart Title failed to answer the complaint. I asked the Court for a default, and the court has yet to respond. 

I don't believe the attorneys who filed the complaint received authorization from Stewart Title to do so. I believe they thought they could collect an easy debt. 

The attorneys who filed the complaint are : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The more you dig into the case, the more you can see why Stewart Title failed to answer. The notary who signed the purchase deed for XXXX XXXX lives in Florida. The representative for XXXX XXXX lives in Washington State, and the representative for XXXX lives in New York. 

Maryland is not a reciprocal state with Florida for Title Insurance Producers. This means that the notary must have the State 's permission before notarizing loan documents. Stewart Title is aware of this and this is why they failed to answer the counterclaim.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (IN)

XXXX and XXXXXXXX XXXX XXXX both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after XXXX XXXX XXXX they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after XXXX XXXX XXXX in a roll of someone XXXX XXXX and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XX/XX/XXXX Senior Rep at XXXX name XXXX claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (WA)

On XX/XX/year> my account was credited with a {$390.00} payment reversal and a seperate {$39.00} payment reversal fee. I asked for information on the exact payment it pertained to, but they didn't know and said it was likely from a check. I didn't deposit any checks. I asked how I can get a copy of the check, and they said I'd have to get ahold of the branch. I asked what branch, and they didn't know.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: eToro USA LLC (TX)

I deposited money into their account XXXX, my investment had been up since then. I tried to withdraw it to my bank, I am not able to. They kept telling me to wait, but it had been three weeks now. I am frustrated and worried if anything will be solved. 

Please help me as soon as possible, and get the solution that I needed. 

Thank you very much!
Consumer complaint received 2024-04-17
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX CARD Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :