davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion is reporting inaccurate and incomplete information in my credit report. The following information do not belong to me : XXXX. XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2023-06-10
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$21000.00}, XXXX  XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$780.00}
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

The public record information Bankruptcy Chapter XXXX Discharged, XX/XX/2020 listed on my Experian credit report is inaccurate information. The United States District Court-District of Minnesota  Bankruptcy Court informed me that they do not report bankruptcy cases to Experian, XXXX, XXXX XXXX or any credit reporting agencies, and they did not report the bankruptcy chapter XXXX discharged, XX/XX/2020 public record thats currently listed on my Experian credit report.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

My wife has been incapacitated by a ruptured brain aneurysm and I have paid off her Capital One credit cards, of which she had three. As I am now her guardian per a recent court decision, I have sent all necessary paperwork to Capital One. 

They continue to refuse to close the accounts on the grounds that they do not have her signature. My wife is unable to sign any paperwork. This is a change from Capital Ones original position that they needed the court paperwork listing me as guardian, which I provided. 

They continue to charge monthly rates on cards I have spent four months trying to cancel, I need this resolved immediately.
Consumer complaint received 2021-01-02
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. (MN)

The following information listed on my Experian credit report is inaccurate, fraudulent and not my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The XXXX XXXX XXXX  account was fraudulent and not my account and the XXXX XXXX XXXX  credit inquiry is fraudulent and not my credit inquiry.
Consumer complaint received 2021-01-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (DE)

Transworld is reporting medical records to credit bureaus ( XXXX  XXXX  XXXX  ) I found out onXXXX20 that the accounts have not been in there office for a couple of months but they are still reporting them to the credit bureaus as of the have them. I called and ask them to be removed from all of 3 credit bureaus they told me that they couldnt unless the original creditor ask them to but they down have the collection in there office any more. I asked why are they reporting the collections to the credit bureaus if they no longer have the debt they informed me its because the original creditor has to tell them to stop. I told them under the fcra guidelines they are reporting false misrepresentation under 15 USC Section 1692E. I called the credit bureaus to have them pull it off my credit reports because thats misinformation they told me they cant ... .. when I know they can.
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (CO)

Sent me an email about ten year old debt and threaten to sue me Being up to date on your finances helps give you peace of mind. 
XXXX XXXX, we are writing to tell you about an important matter that should be resolved. It's possible that you weren't aware of your outstanding balance of {$89.00}, originally owed to XXXX. 

Learn about your options to resolve this. 

This was originally a check written to the XXXX. The check was presented for payment but dishonored by the bank. Orion Portfolio Services , LLC purchased this debt and has hired our company, XXXX to collect the balance due of {$89.00}. The balance due includes the face amount of the check, {$64.00}, plus a returned check fee of {$25.00}. 

Account Information Current Creditor : Orion Portfolio Services , LLC Original Creditor : XXXX Original Check Number : XXXX Check Amount : {$64.00} Returned Check Fee : {$25.00} Balance : {$89.00}
Consumer complaint received 2020-12-31
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX - Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...
Consumer complaint received 2017-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL INC (KS)

In  1986 i atte nded   XXXX   XXXX   XXXX   in  XXXX  kansas. I applied for  XXXX  pail grants to be applied to my goverment student loans believe to be a ffel. I was approved for all grant. I compleated both modules  XXXX   XXXX   XXXX    and   XXXX   XXXX   XXXX   XXXX   Because of a problem in the financial aid department with an representative that defrauded or bused clients funds. I Never recived my pail grants. I never found out the out come of that except that the school closed down and no longer exists. Now the DOE is garnisheeing my checks for payment on those student loans.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX is reporting two accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX XXXX  {$1300.00} and XXXX XXXXXXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A XXXX transfer was debited from my account, after XXXX hours the recipient did not receive the money. I phoned BofA, and they said that there was a XXXX outage. What is XXXX doing with my money? There have been many problems with XXXX. Chalk this up to another one. Is there a class action suit filed against them? 

Thank you
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

he credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps the agencies took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification - Description of reinvestigation procedure
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-09
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. (FL)

As reporting on my credit reports showing both dates on XX/XX/2021 from two companies : XXXX XXXX XXXX XXXX XXXX are both unauthorized & did not receive consent from me. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days & I am a victim of identity theft. Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal deletion of the consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts immediately!
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-06-08
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/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
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX please 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 2020-12-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-31
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. (NY)

there is a fraud account on my report experian refuses to remove it XXXX XXXX says it has nothing with them i submitted a police report and they still refuse one person said at one point in time it was disputed in a way that was understood to be that i have admitted to the amount owed i never did such a thing i disputed it as fraud from the start now its holding me up in my life i would first go with u next move is civil auction
Consumer complaint received 2020-12-31
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (AL)

was contacted by letter in the mail on XX/XX/XXXX, the letter was dated XX/XX/XXXX. This letter is from a company called XXXX XXXX located out of XXXX XXXX, MN. This company seems to be a collection agency and they are trying to collect funds from a company called Paypal Account. They say I owe a debt of $ XXXX this was created in XX/XX/XXXX. I have never had a Paypal account and when I notified the company the first time they wanted me to verify my social security number I would not give it to them and the rep on the other line got very hostile with me. I informed them that they could discuss this debt with my attorney and that I have never had a Paypal account. I am XXXX years old and I use a bank not Paypal to pay my debts. The young lad I spoke with was very rude so I ended the conversation with her. The date I contacted them was XX/XX/XXXX upon receiving the letter about XXXX in the afternoon CST. I decided to call back on XX/XX/XXXX, and I received assistance from this young man, I told him that I did not feel comfortable giving my information such as my social security number and he told me that was fine, he then began to tell me about the debt so I asked him if he had an email connected to this debt since it was a Paypal account, he gave me an email of XXXX, I have never heard of this email and it does not seem to be something in English, I informed him that they had the wrong person and that I needed to dispute this debt. He informed me that he would file a dispute and if I had any information that would be helpful in the filing of the dispute to send it to XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX or XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX. I feel like whomever this XXXX person is they are running a scam and giving debt to people that do not owe anything trying to threaten in paying. Please help me solve this problem.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NY)

I have a line of credit, /credit card with Wells Fargo . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the representation/customer service went to review the summary of charges, they found that for {$3300.00} from XXXX XXXXXXXX XXXX XXXXXXXX was charged on my card which I did not authorize on XX/XX/2023. ( Several days after it was noted that my card was lost which was XX/XX/2023. Wells Fargo initially went through with my fraud claim, but later rejected it. This is the first time I seen a XXXX XXXX XXXX XXXX charge with my Wells Fargo account. I have never made CC charges with the XXXX XXXX XXXX XXXX merchant in the past. The unauthorized fraud charge of {$3300.00} from XXXX XXXX XXXX XXXX is still on my Wells Fargo CC account.
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I just applied for a mortgage refinance and was told that my capital one credit is currently reporting us 60 days late!. This is NOT true. We paid off this credit card back in XXXX. I am not sure how it is possible for them to be reporting us owing any money at all let a lone 60+ days late. I am outraged. This has dropped our credit scores over 60 points!