davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-24
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)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Lender failed to eliminate PMI after mortgage LTV fell below 80 % XX/XX/XXXX. I spoke with lender on XX/XX/XXXX and they indicated the PMI will be removed going forward. I was provided the reference number XXXX at that time. I was continued to be charged PMI until the loan was paid off on XX/XX/XXXX. Attached is the value page of the appraisal this lender performed and the statement for the month which LTV fell below 20 %, using the lender 's own appraisal amount.
Consumer complaint received 2022-12-07
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 XXXX 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 finish a account without my written instructions.

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 purpose.
Consumer complaint received 2020-03-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Credit Services (IN)

General Credit Services has been collecting on behalf of XXXX XXXX for the last 2 years on a medical debt that was miscoded in the system. They have yet to correct the issue and continue to hound/persistently collect for a debt not owed. When speaking with the insurance company, the routine tests that were performed were considered covered without a deductible, yet XXXX 's billing and General Credit Services care little about that and continue to collect this information. I received a notice on my credit report that General Credit Services had placed this as a collections account on XX/XX/2020, after multiple harassing letters and a phone call that suggested that they would sue me if they did not receive payment. Not only has General Credit Services and XXXX violated the FDCPA, but they have also violated the FCRA while knowing this amount was in dispute.
Consumer complaint received 2023-06-04
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: Block, Inc. (NY)

XX/XX/2023, XXXX made a payment of {$200.00} to me through Cash App. When I went to cash out Cash App offered a debit card. I thought it would be nice to add to my business. I got the card, and went to check the availability. It says I have XXXX XXXX XXXX XXXX dollars. I checked my other bank account, and nothing was deposited. I checked the Cash App account, and it says XXXX made the payment, but it isn't in the account to use. No info on where it went. I tried reaching out to Cash App, but they don't have customer service. It's a bot that tells you it'll get someone, and I've been waiting for over 30 minutes. I tried getting the bots attention, but it isn't responding.
Consumer complaint received 2023-08-24
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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. (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 : 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
Consumer complaint received 2023-08-24
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-07
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX
Consumer complaint received 2024-04-03
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)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called XXXX XXXX and they told me disputes are placed on Transunion and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The XXXX Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-25
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: Affirm Holdings, Inc (PA)

Affirm reported that I owe a loan balance of {$4600.00} of original. I made payments although I disputed that I this is a rip off and the amount is wrong. I keep making multiple payments and Affirm is not reducing the balance owed. They keep taking my payment and not updating XXXX with the correct amount. The amount paid already should be paid full. I provided XXXX with the data that this account was already paid and they continue to allow Affirm to report inaccurate data.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-18
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. (NJ)

I originally took out student loans with XXXX XXXX for my 4 years at XXXX, XX/XX/XXXX-XX/XX/XXXX. After graduating XXXX XXXX became XXXX. Because I was not able to make payments due to financial hardship they gave my loans to a debt collector, XXXX XXXX. Starting in XX/XX/XXXX, once I had a stable job, I was able to set up a payment plan where I paid XXXX a month until I would be able to come up with a lump sum of XXXX to settle my loans. To date I've made XXXX in payments to XXXX XXXX. Despite this, XXXX has reported my account as delinquent every month and I have not been able to raise my credit. I've contacted XXXX about this multiple times, most recently XX/XX/XXXX and they keep informing me they no longer have my loan and transfer me to various debt collectors who also say they do not have my loan and transfer me back to XXXX. XXXX XXXX has informed me that my account is in good standing with them, and they do not know why XXXX keeps reporting me. My credit report says all of my XXXX accounts are closed, so I do not understand why they continue to be reported as delinquent. I have filed a dispute with Transunion and I am waiting to hear back. I just want to make sure that this situation is investigated thoroughly because at this point I feel like I throwing away money and any effort made to improve my credit has been futile. I'm sure you understand my frustration in this matter and I'd appreciate any information you can provide. Thank you, I look forward to hearing from you.
Consumer complaint received 2015-06-30
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (CA)

I purchased XXXX reloadit packs, now I am unable to access the money on either card. The customer service of both reloadit and blackhawk are not providing any resolution. 
Reloadit is telling me to go buy a PAyPower card and then they can transfer it. The problem is I have to pay another set up fee, maintenance fee, and transfer fee if I do that. 
Both customer service are telling me they can escalate the issue which will take 1-3 business days to get a response. I feel like I am being taken advantage of.
Consumer complaint received 2023-08-24
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. (KY)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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: Experian Information Solutions Inc. (NJ)

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 2023-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings (CA)

I owed XXXX XXXX {$2500.00} i reached out to them to pay it and they stated to reach out to the IQ Data collection I paid the amount owed however they are stating this case was sent to their lawyers and we owed them lawyer fees and interest total {$1700.00}. He stated we also have a court hearing which we never received got very aggressive in the phone call and stated what are you gon na do about it! I informed him its a good thing this was all being recorded since he was being very unprofessional. He also stated that they will be garnishing our wages soon if we didnt pay the amount owed.
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OH)

I wanted to purchase my lease car from XXXX XXXX XXXX. I went to my bank Chase, and took out a loan for the vehicle to include the pay off amount and sales tax - this was through Chase Auto Finance. I was quickly assigned the loan and started making payments, but Chase did not send the check to pay off the car until it was past due, even though they told me they had everything. Now they have sent the check to pay off the loan but will not send the sales tax amount of XXXX - I keep calling and sitting on the phone with them in conference with XXXX and they agree that they will send the check. Then they do not and I receive a call from XXXX saying they can not transfer the title. I do not know what else to do. I have ask several times and the tax amount is included in the loan I am paying on.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

XX/XX/XXXX : transaction occurred on my Wells Fargo debit card for the amount of {$2400.00} XX/XX/XXXX : Wells Fargo detected suspicious activity and started declining future transactions XX/XX/XXXX : I called Wells Fargo after checking transactions to confirm that indeed some of the pending transactions were not recognized by me XX/XX/XXXX : Wells Fargo submitted a claim on my behalf to further investigate XX/XX/XXXX : Wells Fargo sends notification via regular mail ( I was out of town so did not see this letter until I got back home on XX/XX/XXXX ) to inform me that there was no evidence of a processing error and determined the transaction to be authorized and claim closed. 
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX - received same standard message via email on all of these dates informing me that Wells Fargo was still looking into the claim I submitted and that they would let me know what was determined after research was complete. 

XX/XX/XXXX : I called Wells Fargo to follow up on this claim. They said they no longer had rights to dispute the claim and that they could tell the physical card was used for this transaction and that my only option was to work with the merchant. 

I am 100 % sure I did not intentionally make any purchase for such a significant amount on that day or any close day prior to that. The transaction details are not enough to be able to identify or contact the merchant to try and dispute with them. Wells Fargo is not able to provide any additional help or fraud protection for this claim. It is a significant amount of money that was charged and that I don't recognize. I need help to find other ways of resolving this.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.