davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AR)

On on XX/XX/2023, I made purchased for a web site template from XXXX of XXXX marketplace sellers. XXXX XXXX is an XXXX based company. I purchased XXXX XXXX ( the XXXX seller ) XXXX XXXX XXXX XXXX  html website template ( Exhibit A ). I made the purchase to design to custom design XXXX of my brands website. I have been a customer of XXXX XXXX for over a decade. Rarely, I have experienced any issues with their sellers. 

From XXXX XXXX through the XXXX XX/XX/2023, I made attempts to contact XXXX XXXX regarding several issues that I was experiencing with their Manifesto Creative Portfolio Template. On XXXX XX/XX/2023, I received an email from XXXX studios redirecting me to report any issues with their digital products directly to XXXX ( Exhibit B ). It is worth noting that I also purchased a paid dedicated support with XXXX studios through XXXX XXXX. On XXXX XX/XX/2023 at XXXX XXXX, XXXX studios replied to my support ticket. XXXX allege that I had sent them to wrong URL in the support ticket ( Exhibit C ). I replied back immediately that I did NOT. This was the first only response that I received from XXXX studios. Nearly a month has passed and XXXX studios stopped responding to my support tickets. I had escalate my issues with XXXX seller directly with XXXX XXXX. From XXXX XX/XX/2023 to the present, I made numerous times resolve my issues XXXX XXXX directly with no results. Its been nearly XXXX months and I had to escalate this issue with Paypal ( Exhibit XXXX ). As of this date, XX/XX/2023, Paypal has yet taken action.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-04
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

1. XX/XX/23 I attempted to book a {$320.00} stay at XXXX XXXX XXXX XXXX, UT for XXXX XXXX XXXX on Citi XXXX , using a Citi Custom Cash Card ending in XXXX. 
2. The page did not load. I immediately received an email from Citibank saying the charge wasnt processed due to " incorrect card information '' which made me believe that the transaction was declined. 
3. I closed the Citi XXXX page and made a different booking using a Citi Premium Card ending in XXXX at the same hotel for the same dates. This booking was successful ( {$290.00}, Booking ID XXXX ). 
4. On Citi XXXX portal, I discovered that the {$320.00} transaction that Citibank said they had issues processing went through and resulted in Booking ID XXXX. 
5. XXXX I reached out to Citi XXXX to request cancellation/refund of Booking ID XXXX. Citi XXXX said the hotel needed to submit the request on the booking extranet or email the approval of the refund to Citi XXXX. 
6. The hotel staff doesnt use the booking extranet so they sent emails approving the cancellation and refund to two emails Citi XXXX provided, XXXX and XXXX, on XX/XX/23 and XX/XX/23. The hotel canceled the booking for me in their system but couldnt refund me as the money was with Citi XXXX. 
7. XXXX I followed up with Citi XXXX until one agent called me on XX/XX/23 and acknowledged the receipt of the refund approval email from the hotel. Later another agent denied the claim and said Citi XXXX never received any approval, nor did the hotel respond to their emails/calls. 
8. The hotel denied receiving any emails/calls from Citi. 
9. Citi XXXX refused to validate the contact info of the hotel after I pointed out that the incorrect contact info might be on file. Citi XXXX insisted that they could only issue the refund after receiving approval from the hotel, to which the hotel has complied twice by sending emails. 
10. As of XX/XX/23, I still havent received the refund. 

See the attachment uploaded for the full timeline and all supporting documents.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

I requested my current mortgage servicer, Nation Star, to remove our PMI insurance. They refuse to remove the PMI. XXXX weeks ago I completed paperwork to request the removal, but according to my loan docs it was supposed to be automatically removed on XXXX/XXXX/2015.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My loans are serviced by Mohela. I had already planned for repayment to resume and had set up auto debit. I received a letter last week stating my loans had been put in administrative forbearance, which I did not request, as this harms me as interest will continue to accrue. I want to resume payment immediately as I am working toward my XXXX payments for forgiveness under PSLF.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$28000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

On XX/XX/XXXX I spoke with a representative to change repayment plans from SAVE to extended graduated repayment plan. I was told this was put in the system and would take up to XXXX business days to be reflected on my account. It's now XX/XX/XXXX, my payment is due XX/XX/23. The payment due is for the save plan which I wanted to change due to the new repayment plan savings. My payment should be {$250.00} not {$340.00}. I can not get a rep on the phone, because they are so overwhelmed with calls, to see why the change is not happening. What am I supposed to do? They are too busy to take calls, but speaking to them is the only to make a change on the account! I need the repayment plan change before the due date! I can not afford my current payment.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

I was charged interest on what Discover is claiming was a " cash advance ''. There is no history of a cash advance in any statement that I have. After speaking with a representative, they admitted that it wasn't a cash advance, but interest charged on a balanbce transfer offer that expired. I spoke with someone at their company before the offer expired and verified that my payments would be applied to the offer to pay it off in time, which they conveniently do not have any record of. They have also continuously charged me interest on this amount and have no applied any of my my monthly payments to this amount, which has resulted in over {$140.00} in interest fees that they refuse to reimburse.
Consumer complaint received 2023-08-02
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. (GA)

I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report investigation.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed XXXX {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$430.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (CA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I only asked for trial, not for paid membership. Please cancel my membership ASAP and refund charges as I did not ask for it to be charged. Provide me with receipt of payment, and now, cancellation ASAP. Experian IdentityWorks Customer # : XXXX ( XXXX XXXX ). {$31.00} is the amount and do not charge my any more! 
Please follow up! 

Send to : Experian IdentityWorks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Customer # : XXXX ) PLEASE REFUND ME AND SEND ME A LETTER BY EMAIL AND USPS MAIL.
Consumer complaint received 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting act, 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
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

Care credit is ripping us off. Our minimum monthly payment is XXXX we pay XXXX-150.00 per month. The bill went up XXXX in interest and we haven't used the card in over a year. They refuse to work with us were struggling and when I asked if our balance would ever go down they replied you can pay it in full. So no matter what I'm paying it doesn't matter. I wish you will look into this. I don't think this is even legal.
Consumer complaint received 2023-08-15
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. ()

I want to dispute everything on my files everything that I had on my folders from years ago it really does stick with you, so what Im trying to do is to clean up my file weather I have to dispute. Theres things on my file that need to be cleaned up. It doesnt need to be on my file Im trying to clean up my credit and this is the only way I know how to go about it so please if theres anything you can do on your end, I would appreciate it. If theres any other information I need to submit or anything please let me know and Ill submit it ASAP. Thank you very much. I just want my life back Im XXXX XXXX XXXX and cant do nothing. Ive been married for 32 years and cant do a XXXX thing. I cant take this its either this or XXXX XXXX but ones Got ta give. Thank you.
Consumer complaint received 2024-04-05
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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with PORTFOLIO RECOV ASSOC that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX JOINT  ACCOUNT  with XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX and XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I noticed back XX/XX/2023 that XXXX was on my credit report and I call the company and I was told they didn't send that to the creditors such as XXXX, Equifax and XXXX they said I would have to contact the creditors and I did and they failed to remove it after the FTC letter was sent to them. I also noticed that XXXX was added to my credit report and it is not a credit card company I had spoken with the company and let them know that my account had been hacked and they didn't do anything to remove this from my credit reports and they have been sending threatening text messages to my cellphone saying if I don't pay the money it will be legal actions taken and that my wages will be garnish so this definitely needs to be removed because it was hacked and they know about it. I have also requested that XXXX XXXX be removed Equifax fail to remove it from my credit report after I have sent in FTC letters and proof that it wasn't my account because I didn't have service with the company because I had moved from that location so the new tenants were using services in my name.
Consumer complaint received 2022-05-31
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions