davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously filed a complaint on this, however Transunion did not respond to my issue, instead they made up their own issue and responded to that. So, here is my complaint again, hopefully they will be forced to respond to my issue this time. 

Transunion will NOT supply a free credit report. I paid them for a couple of months to try and get them to remove a couple of fraudulent things from my credit report ( the other 2 credit agencies had done it without a problem ). After those 2 months, they finally removed one, but refused to remove the other one. So, I stopped paying them. Then when I went to get my free credit report, they had hidden it behind a paywall. I chatted with the representatives, and they just confirmed that I must pay to get a credit report. My credit is marked as good on both of the other two services, but this one has it as terrible and refuses to do investigations. And now they are not even providing the services they are required to. Transunion should not be allowed to have an effect on anyone 's records.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

MY CITIBANK CHECKING & SAVINGS ACCOUNT WAS CLOSED FOR UNKNOWN REASON ON XX/XX/2020. THEY ARE HOLDING OVER {$1300.00} OF MINE. THEY SAID I HAVE TO WAIT UNTIL INVESTIGATION IS OVER WHICH CAN TAKE UP TO 60 DAYS AND I NEED MY MONEY ITS COVID19. THEY EVEN SAID I CANT RETRIEVE IT FROM A BRANCH WHICH I NEVER HEARD OF SUCH POLICY BEFORE. AND I HAD NO FRAUD ACTIVITY GOING WHATSOVER. MY SBA LOAN FUNDS WERE ALSO SENT AND IS JUST SITTING THERE. PLEASE HELP
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AL)

Vehicle is in my husband name. My husband passed last year, XX/XX/XXXX. I was told I could do XXXX things. 
1. Surrender 2. Pay off 3. Keep making payments During this time of my husband death, I was dealing with sickness of XXXX and was not able to work due to my husband being sick with XXXX and taking care of him and I was sick trying to take care of me. I asked if it was anything they could do about payments been late. I was told no and to Surrender Vehicle. I was told in XXXX that the vehicle would be repossessed for non payment. I reminded the representative that I was told if I Surrender the vehicle, I would not get a repo against me. I told them that I Surrendered the vehicle in XXXX and no one came and picked it up. I again called back late XXXX and asked why they had not picked it up and as long as it been sitting, they could have worked something out with me. As of XX/XX/XXXX the car is still sitting in the yard.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TN)

I have already paid this card off twice. This company makes it hard to even make the payments, because it was through Ulta, and theres always an issue online, which is the only way you can pay it. This account was closed out after I paid this off the first time. I paid it off again because it was reopened and I was tired of my credit score being ruined and tried to fix it, again. They closed the account once more. Then they sold it to the debt collection agency that likes to harass me now. They didnt give them the full history of my transactions or payments and this current company is still asking me for money. When I have asked for statements in the past, they only send me a couple months worth, despite the card being open for multiple years. I have bank statements proving all the payments I made and it was accepted, so why is this still being continually opened in my credit report? Why are you still trying to get more money from with with only a few months worth of transactions. Thats not all of them. All the evidence shows up under their reviews online. Im single mother who is also a XXXX XXXX survivor. Im currently in XXXX  full time and its sick that this company prays on people like me. This company has made my already traumatic life even more traumatic because I cant do anything with my credit score being ruined.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

There was a fraudulent activity made on XX/XX/2021 with my PayPal Key. However, PayPal keep declining my claims about the fraud charge. 

Firstly, When I first found the fraud activities, I immediately deleted the compromised PayPal Key. However, the transaction still went through. Then for some reason, the transaction got split into 2 charges. So I filed 2 claims against those 2 fraud charges. The first one got approved, but the second one got denied. Since those two charges were coming from the same transaction, there should be no reason for PayPal to deny the second claim. I appealed the decision of the second case but my appeal was denied again. 

Secondly, the default payment card in my PayPal Key was linked to one of my credit card. However PayPal charged my checking account which I never authorize them to do so!!
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CO)

The credit card from Comenity BankXXXX was opened around XX/XX/2023 and a purchase was made for {$1600.00}. XXXX credit identity service contacted the bank on XX/XX/2023 and the bank closed the account. My remaining question is that about this same time, my social security number showed up at a different address than my address. The bogus address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX. The credit card seems to be resolved, but I'm very concerned about my SSN having this new address.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CT)

Comenity Capital Bank, dispute over credit card billing -- their reference no. XXXX  XXXX Comenity Bank, purchased my credit card account in XXXX XX/XX/XXXX from XXXX  XXXX XXXX. Comenity immediately bill me, for charges I'd paid earlier to XXXX. 

We took issue with the charges in XXXX, and after XXXX hours, were told someone would return to us within 90 days. We continued to get billed from Comity with late charges. 

After several hours over numerous phone calls, Recently last wee, I was advised by Comenity Bank to send in papers that show that we paid XXXX the amounts that they now claim are owed. The one exception was a bill for {$140.00}, from Comity which we paid as well, and enclosed proof of payment. 

My recent letter to Comenity stated : " You will note that the charges you listed on your bill, are all found on the previous final bill from XXXX, credit card VISA, XXXX, which we paid in the amount of {$250.00}, as shown in an attachment, leaving a balance of XXXX amount owed XXXX. 
We are lead to believe that you did not in fact receive from XXXX  our account information well past the date we paid XXXX on the account listed in the attached XXXX  bill. 
We also enclose a letter from you dated XX/XX/XXXX, indicated you owed us {$6.00}, which acknowledges someone in your organization reviewed the account and concluded that you owed us money not the other way around. However you have been charging us late fees since we contested this with your agent in XX/XX/XXXX. We ask that you refund all amounts of late payment that you have billed us in connection with this account ad there were no late payments. 
According to our records we owe Comity nothing at this time. Please correct your accounts. In the event you dispute this amount please forward our recorded telephone calls, so we can deal with this matter from the same set of facts. "
Consumer complaint received 2018-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX XXXX XXXX in XX/XX/XXXX. I took out both federal and private loans in order to finance my XXXX. I had a series of unfortunate life circumstances occur : i ) I was diagnosed with XXXX ii ) my apartment in XXXX was completely destroyed in a gas fire on XX/XX/XXXX ( two people XXXX  and three buildings were destroyed due to gross negligence of my landlord, a contractor, XXXX XXXX, and the City of NY ). I also lost my job between these two events. I reached out to Navient ( then XXXX XXXX ) looking for options and they immediately pointed me towards forbearance without any discussion of an XXXXncome Driven Repayment plan. I have been unable to pay my loans and do not believe they have been acting ethically with they way they have treated my loans and have I also don't trust their accounting. They have failed to produce any detailed documentation related to loan calculations. 

I understand that the CFPB has sued Navient. I would like to be included in this suit as there is total alignment with what the CFPB claims and what happened to me.
Consumer complaint received 2023-05-17
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. (GA)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (AR)

Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor is the phone number tied to that account deeming it fraudulent. 

Also they have inaccurately tagged my credit profile as having 2 late payments with XXXX XXXX when I in fact do not have late payments on this account
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-23
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, I Purchased a pre-paid vacation tour for {$1900.00} with a company called we are XXXX. In XX/XX/2022 this company ( we are XXXX ) closed down and did not refund the money. I never received the service for my XXXX XXXX XXXX requested a dispute with the Bank of America because of the fraud. Bank of America will not refund the money and pursue the company who created the fraud. I would like the Bank of America to refund my credit card {$1900.00}, as the service I purchased was not delivered. 
Thank you.
Consumer complaint received 2023-04-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA edd prepaid they playing games wit my funds it took them two years to pay me out one claim thats not right at all XXXX $ in XXXX $ in a few more that I wrote down
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

They never send me any notification I think they don't have my address they have a Texas address. I never live in Texas, I call them when I found out in my credit report and they denied to take it off, they can not proof it is my debt because it is not. And they put it in credit report.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-05-17
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)

Requesting Equifax to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXXI have been XXXX XXXX  customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, Equifax, XXXX and XXXX is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customersXXXX XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.
Consumer complaint received 2023-05-17
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. (MI)

I contacted XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, and Center of Excellence about fraudulent accounts that does not belong to me, multiple times. And they have yet to remove these fraudulent items from my credit report. I have filed a report with the police agency and FTC. All the accounts that needs to removed are as follows XXXX XXXX  XXXX XX/XX/XXXX {$720.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX {$350.00}.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: G&P Enterprises, LLC (CA)

XXXX XXXX XXXX hired by XXXX company named XXXX XXXX XXXX has foreclosure pending as we speak to foreclose today XX/XX/2018 Homeowners are elderly people XXXX company/XXXX XXXX going bankrupt so they foreclose on homeowners to gain their property These companies are fraudulent
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL 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 XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX XXXX