davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
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: GOLDMAN SACHS BANK USA (PA)

I launched a dispute with a vendor, XXXX XXXX XXXX to be exact, in the amount of {$42.00} on XX/XX/2021 due to shipping issues with the order. After seeking a refund directly from the Company, I withdrew my dispute on XX/XX/2021. The Company acted in good faith and agreed to the dispute, which was still active on XX/XX/2021. On their end, they were able to agree to the dispute, thus notifying my bank that the {$42.00} in dispute should be returned as a credit to me. However, Goldman Sachs customer service misrepresented the status of this dispute on four overall occasions. Beginning on Friday XX/XX/XXXX, two different representatives told me unequivocally that the dispute was still active and I must wait 90 days. As the dispute was still active ( even though it was withdrawn two days prior ), that was how XXXX XXXX was able to agree to the standing dispute, which should have resulted in {$42.00} being returned to me as a credit/refund. Since then, I have escalated to issue through XXXX and filed a formal report against them for alleged mishandling and miscommunication about this entire situation beginning on XX/XX/2021. They continue to string me along with false reassurances that they will hopefully resolve the issue. 

I have given them approximately a week to hopefully follow-through on my behalf, but it seems they have entirely dropped my case. As a consumer, I resorted to filing this report as a means of preserving my consumer rights, and giving me a sense of security that they will have to eventually respond and resolve the issue.
Consumer complaint received 2021-03-18
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. (IA)

TransUnion/XXXX  has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. TransUnion/XXXX has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.
Consumer complaint received 2023-06-14
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. (CA)

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00}.
Consumer complaint received 2022-10-19
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. (NY)

I have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.
Consumer complaint received 2023-08-19
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: AMERICAN EXPRESS COMPANY (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2. A consumer reporting agency can not furnish an account late for any purpose.
Consumer complaint received 2023-06-20
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. (NJ)

Problem is with the Credit Bureaus XXXX Equifax stated that CFPB are only ones who define the process and Equifax only followed CPBP policies ) Issue .... 
- My mortgage loan was transferred to another company - This reflected in a drop in my credit score ( XXXX points ), and I can't see how that is my fault! 

- Tried to submit a dispute, but Equifax said they couldn't do that because they couldn't see my score- I tried to understand ; they can't my score in all cases ; but if it were a delay in my payments or too many credit checks I could submit a dispute, so how was this different? How did their inability to see my scores have any weight on when they could or could not submit a dispute on my behalf? 
That is when they said if I wasn't convinced I should contact CFPB as they decided the process How can I resolve this please? 

Question .... as seen in snapshots, balance decreased? account closed? I would have thought those would add points not reduce them? : (
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is 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 2023-06-01
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. (TX)

Pursuant to the FCRA, the account below has violated my protected consumer rights provided by the federal state under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have a right to privacy. 15 USC 1681 Section 604 A section 2 further states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given any such permissions or authorization to furnish the above account on any of my credit reports. Being the litigious consumer that I am, I am confident that we can have this item removed before any court suit documents need to be filed.
Consumer complaint received 2023-06-20
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. (LA)

XXXX XXXX XXXX in XXXX Louisiana Fraudulently ran my credit more than authorized without approval. And furnished illegal 3rd party non public Transactions and Experiences 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my Consumer Reports and noticed that I had an account that was paid off and closed, but instead it is reflecting only closed with no payoff information or balance update. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate for discrepancies in pay off date and ending balance as well as improper reporting procedure. If proof can't be provided I demand this account be deleted off my credit report. Thanks
Consumer complaint received 2023-06-01
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. (CT)

My name is 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 2023-08-19
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: Atlanticus Services Corporation (CT)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

I bought my XXXX XXXX XXXX from us auto sales! Westlake has now taken over from what I understand. I called Westlake to send me the documents for the transfer. They told me they don't have it. As well as the extra warranty I purchased is no longer good, and they have been shutting off my car even though my payments have been made! I have no proof that my loan is with them. They never called me to let me know the new terms and conditions with this new company!!
Consumer complaint received 2023-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (PA)

XXXX XXXX XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within 30 calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXXXXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXXXXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

it is showing on Transunion report that I have a derogatory account with is not mine, That information was opened on XX/XX/XXXX, I did not even had a credit history in that time, not even a social security nor a ITIN number, this information is fraudulent and I already call to the bank to check the information, now its remarked again. 
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT TTACHED Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted TRANSUNION and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

TransUnion Credit Report Check your credit report for signs of theft, fraud, or error. 

Updated : XX/XX/XXXX Back to Credit Summary Accounts With a Negative Pay Status LENDER TYPE BALANCE XXXX  XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Account Details Account Type Secured credit card Responsibility Individual Credit Limit {$300.00} Credit Used 0 % Available Credit {$300.00} Highest Balance {$400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX Remarks Payment after charge off/collection. Settled - less than full balance.
Consumer complaint received 2021-03-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Company is Transunion : I filed a dispute about an collection agency, XXXX XXXX, on XX/XX/21. This company violated my consumer rights by not contacting me to let me know about the debt in order to follow the proper steps to dispute the debt with them because I do not owe XXXX anything. They just simply filed on my credit. I have read reviews on the company and they practice unethically. 

I also filed a dispute about a late payment from XXXX XXXX as well. The company was merging at the time with XXXX XXXX XXXX. Due to them not sending me up to date information to where I would send my payment, I was not able to send it in and they told me that they would reverse the late payment. 

It appears that Transunion did not do any research into my claims.
Consumer complaint received 2023-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (WI)

I informed Wisely aka ADP aka XXXX XXXX XXXX XXXX was draining account. 

The wisely card was used for XXXX. 

Wisely aka ADP aka XXXX XXXX XXXX said they sent a card XX/XX/2023 which was never sent or recieved ( Mail Fraud by financial business automatic XXXX to XXXX mil penalty ) I fought XXXX to unlock card, they will argue they opted resolutions but I couldnt at the time due to no cellular service as ADP ( wisely locked my account with XXXX ) I had {$7.00} left after I fought with ADP and waa told 3 hours and we are closing your account for rude behavior on ADP 's clause 13? which I had no clue existed or had access to contract/ those clauses ( fraud there too ) XXXX XXXX XXXX XXXX XXXX XXXX claim my {$7.00} XXXX leftover check was sent around XX/XX/2023 but claims returned ( USPS note from worker states otherwise, double mail fraud on ADP and now XXXX XXXX ) Federal Crimes are Federal Crimes .
Consumer complaint received 2023-06-01
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. (TN)

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 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 2023-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I need my information from my student loans that were transferred to this new servicer.. They have not contacted me with any information regarding, the borrower debt relief refund on my federal student loans. i have updated many files online to the nelnet to help my case, and information to keep my contact information up to date.
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (MA)

Hi CRA, XXXX, Equifax and XXXX ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!!

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status.

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXXXXXX XXXX XXXX # XXXX delete now!!!
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company (GA)

Purchased a home using Guild Mortgage in XX/XX/XXXX. Payments were scheduled to be around $ XXXX for the payment. All payments have been made on time and correctly. In XX/XX/XXXX, payments to Guild Mortgage increased to $ XXXX for which they were on time as well. In looking at my receipts, they are {$600.00} short on the payments applied. Was informed from speaking with a representative at Guild that no negative reporting is showing to be sent to the credit bureaus. After several months, reduced payments back to around $ XXXX until the property was sold in XXXX. Unable to access the bank account that payments were made from as I have changed banks since. 
Examples included show payments being close to the $ XXXX ( Market Fluctuation )
Consumer complaint received 2023-06-01
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. (AR)

I found out that there are some accounts continue to report on my credit report despite i've already requested this matter, Behind of that, I am asking for your help to correct these accounts on my file. I've also send my previous letter to the 2 credit bureaus such as XXXX and Transunion but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be corrected. 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. These following accounts please investigate and have these corrected : XXXX XXXX XXXX XXXX Balance : {$390.00} Opened XXXX XXXX, XXXX : DEPT OF EDXXXX XXXX  Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Balance : {$440.00} Opened XXXX XXXX, XXXX.