davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (GA)

XX/XX/2023 I received an email about a purchase made through Afterpay US Services , LLC ( " Afterpay '' ). The purchase was for a membership with XXXX XXXX XXXX XXXX XXXX in the amount of {$60.00}. I called in and spoke with XXXX, he informed me that the charge wouldn't be reversed. I made a purchase XX/XX/2023, and paid in full by XX/XX/2023. XXXX informed me that when I made the purchase it automatically signs me up for a membership when i put in my email. I informed XXXX, it never told me or gave me the option if I want to sign up for it. I informed him that this is deceptive practices and I do not consent to the charges. XXXX from XXXX XXXX XXXX did not remove the fraudulent charge and I am reaching out for assistance in this matter.
Consumer complaint received 2023-07-13
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. (FL)

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX  without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX  and attempted XXXX  multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. 

I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Partners Financial Services Inc (IL)

Source of problem : INACCURATE LATE PAYMENT DRAFT INFRACTION Reasonings : XXXX only reporting late payment History ( XXXX, XXXX shows no such history ) 2. Inaccurate late payment History ( Paid from XXXX paid last XX/XX/2023 ) 3. Inaccurate debt owed ( XXXX ) True debt owed ( XXXX ) USD
Consumer complaint received 2023-09-08
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. (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-08-09
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. (LA)

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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

For XXXX weeks now, with documented proof, XXXX has been manipulating my credit score, showing the available credit from XXXX to XXXX back and forth repeatedly, dropping my XXXX XXXX significantly, additionally they are mis representing my current credit score purposely in retaliation for me making complaints about incorrect information on my report, they continue to keep accounts on the report that have been proven as fraud, I had fraud protection with them when these accounts opened and they refuse to satisfy the contractual obligations in regards to the fraud, XXXX card, was opened via online portal using my information, I sent a police report and had fraud alert added on my file and they still attribute the account to me, they have no signature with my name and nothing proving the debt is mine XXXX XXXX XXXX XXXX XXXX I challenged this on my credit and my credit score remained the same throughout the investigation, furthermore, I asked for the contract and received a copy of it with a signature that said " XXXX XXXX '' I have repeatedly denied this being my auto loan, as it belonged to an ex girlfriend, I did not sign a contract or agree to a contract yet it remains on my credit report. 
XXXX. XXXX credit card, I had I card that was secured which I paid XXXX dollars for to build credit, they lied and manipulated my credit score repeatedly, I paid the card off and never received my XXXX dollars back, I closed the account in XXXX and it still shows up on my credit report with late payments into XXXX, I brought the bureaus up to speed on this and they refused to make any changes, I challenge companies information and the records stayed on my credit report.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Round 1*** My 1st case was decided in my favor after reporting 2 unauthorized transactions, but I was never reimbursed for the fraudulent funds transfer. 
( ( Case : XXXX ) ) Transaction ID : XXXX Amount : {$100.00} Transaction Date : XX/XX/2023 Transaction ID : XXXX Amount : {$1200.00} Transaction Date : XX/XX/2023 I then contacted PayPal 's support team via Phone and was told they were having " technical issues '' and apologized about me not being refunded. An agent explained the reason I might of not been reimbursed yet is because the system may have not added the transactions to the unauthorized transaction claim. ( How is that even possible? ) The agent then asked me for permission to and I quote " ..initiate a new claim to get your funds back to you. '' I said absolutely, I will put it in writing and I sent it via email with the agents initials attached. 

Round 2*** A new unauthorized transaction claim was filed on my behalf. ( ( Case : XXXX ) ) This case was later closed NOT in my favor. Here 's the case response : " Case status : Closed Thank you for reporting this case. After our review, we found that certain transactions weren't unauthorized and hence couldn't be covered by PayPal Purchase Protection. '' I would like to appeal this decision. I would also like to add that I am looking into contacting the CFPB, XXXX, Attorney Advice, as well XXXX. 

I ask that you remedy this situation as soon as you can. 

Thank you, XXXX
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

I submitted a dispute and letter requesting to validate this debt to CACI on XX/XX/23 and have not received the requested response to my dispute. I filed a complaint to CFPB also on XX/XX/23 against CACI, and in their response the company stated I had an open dispute with them. It is over 30 days and I am requesting that they delete this collection account from all 3 credit bureaus as they have not provided validation.
Consumer complaint received 2023-06-12
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'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 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Upgrade, Inc. (MO)

Someone opened a credit card in my name for {$450.00}. The payments for this loan were coming out of my account. Upgrade agrees that it is a fraud account but will not return my payments. Upgrade took six payments of {$34.00} out of my account. I have called twice about a refund and all they tell me is that they have escalated my claim.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NY)

I have a direct express Mastercard that my social security goes on. On XX/XX/XXXX I had 4 an unauthorized transactions go through on my card. One transaction was for {$170.00} another transaction was for {$210.00} both of those transactions were made by XXXX   XXXX. Then there were two transactions both for {$65.00} and those were from XXXX XXXX, this resulted in {$520.00} being taken out of my account. I called Direct Express to dispute this transaction. I was put on hold for an hour and 45 minutes! At which time I could spend no more time waiting so I hung up and I tried again a few minutes later and heard " I'm sorry all agents are busy please try your call again later ''. I have just had {$520.00} taken out of my account, I'm put on hold for 15 mins before speaking to an agent and after relating the reason for my call am put on hold a second time for an hour and a half! Now I'm broke ( XXXX in my ) & have bills to pay yet
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Summary * American Express ( AMEX ) made false and fraud advertising. 

Issue * My AMEX XXXX XXXX welcome offer was first confirmed then denied after I met the eligible purchases within first 6 months of Card Membership. 


What happened * AMEX XXXX XXXX XXXX offer ( XXXX membership point + {XXXX statement credit ) was double confirmed with AMEX official agent before I activated the credit card. 
* When I spend above {$XXXX} eligible purchases on the card within first 6 months of card membership, I tried to check again for my welcome offer deal. 
* Another agent said my welcome offer was denied. 
* I tried to contact Amex from online chat twice and give XXXX phone calls to address this issue, but there is no proactive response from Amex so far. 
* Amex made false and fraud advertising.
Consumer complaint received 2023-06-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC (CA)

I am having an issue with the Roundpoint Mortgage company Roundpoint Mortgage is well-known as a fraulent mortgage company. 
They have received tons of negative reviews for the past few months. 
XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My loan was transferred from XXXX XXXX to Roundpoint Mortgage in XXXX and I don't owe any money to them. 

This morning, I received a letter from Roundpoint Mortgage stating that " We are trying to collect a debt that you owe to XXXX XXXX ''. 
You had a loan owed to XXXX XXXX  with account number XXXX on the date you last made a payment on the loan. 

As of XX/XX/2023, you owed '' {$390000.00} Between XX/XX/2023 and today You were charged this amount in interest : {$200.00} Total amount of this debt now : {$390000.00} __________________________________ I reached out to a customer representative and she did not know anything about this letter and she did not know what she was doing. 

1.

Where does this amount come from? They are theatening our customers with a fraudulent amount that they just made up.

2. 
XXXX + XXXX does not equal to XXXX They could not even figure out a simple math.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-13
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. (MD)

TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Subject : Dispute and Request for Correction of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear TransUnion Consumer Relations, I am writing to address significant errors on my credit report pertaining to the XXXX XXXX XXXX and XXXX XXXX XXXX accounts. These errors have resulted in misleading and inaccurate information on my credit profile, thereby damaging my credit history and financial reputation. 
Firstly, the XXXX XXXX XXXX account is incorrectly reported as " Open '' when it should be designated as " Charged Off. '' This misreporting violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) ( 2 ) ( A ) and 623 ( a ) ( 2 ) ( A ). I demand the immediate removal of the XXXX XXXX XXXX account from my credit report to rectify this violation and restore the accuracy of my credit history. 
Additionally, the XXXX XXXX XXXX account is erroneously reported as " Deleted '' rather than reflecting its accurate status as " Closed. '' This incorrect reporting misrepresents my financial standing and violates the FCRA 's requirement for accurate and complete credit information. I request that TransUnion promptly correct this error and accurately report the XXXX XXXX XXXX account as " Closed '' on my credit report. 
I kindly request that TransUnion takes the following actions without delay : XXXX. Remove the XXXX XXXX XXXX account from my credit report entirely, as it has been falsely reported as " XXXX '' instead of the accurate designation of " Charged Off. '' XXXX. Rectify the reporting of the XXXX XXXX XXXX account, accurately reflecting its status as " Closed '' on my credit report. 
XXXX. Provide a written explanation of the steps taken to rectify these reporting errors and prevent such inaccuracies in the future. 
XXXX. Ensure that my credit report reflects an accurate representation of my financial history, with no misleading or false information. 
These errors have had a detrimental impact on my credit profile, impeding my financial prospects and causing undue distress. I expect a written response from TransUnion within 30 days of receiving this letter, confirming the removal of the XXXX XXXX XXXX account and the correction of the XXXX XXXX XXXX account on my credit report. 
Failure to address these disputes promptly and satisfactorily will leave me no choice but to seek legal remedies to rectify the violation of my rights as a consumer and ensure the accuracy of my credit information. 
Thank you for your immediate attention to this matter. I trust that TransUnion will act swiftly to correct these reporting errors and restore the accuracy and integrity of my credit report. 
Sincerely, XXXX
Consumer complaint received 2023-09-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IN)

I checked my credit report and saw a collections from national credit systems and didnt know what that was saying I lived in a apartment in Arizona and owed XXXX. I never lived in Arizona I have lived in XXXX and Wisconsin my whole life so I called to straighten things out there were getting aggressive telling me I did stay there and Im telling her like maam i have never moved that far before. Shes telling me they have proof I asked to see it and nothing.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

XXXX continues to not follow the court orders regarding the case XXXX vs XXXX. XXXX does advise me that my student loans have been discharged, however, they refuse to take the information off my credit reports. 

Additionally, I have not yet received my loan refunds.
Consumer complaint received 2023-09-08
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.