davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (SC)

I mail out dispute letters to all three credit bureaus and none of them corrected the information. 
XXXX XXXX XXXX XXXX receives a XXXX dollar payments every month, this is what the company agreed too. And every month they report my account late/derogatory XXXX XXXX XXXX XXXX has this account listed as open but charged off with a balance of XXXX XXXX ) the addresses listed on my with the credit bureau should be XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX All others I would like removed. 
XXXX XXXX XXXX is listed twice along with XXXX XXXX and XXXX XXXX. I disputed these as well and I was told that it was fribilous. 
An according to my rights with fcra I have the right to privacy and the right to have only verified and accurate information on my reports
Consumer complaint received 2023-05-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Collection Service Inc. (MN)

I sent a debt verification letter to METRO COLLECTION SVC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number ( XXXX ) XXXX and have not received a response in over 30 days. The vehicle was repossessed but no information has been given about the debt. They are continuing to accumulate monthly interest with no proof of debt record. I sent the letter on XX/XX/2023 2023
Consumer complaint received 2023-01-14
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. (MA)

Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2023-01-15
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. (TX)

The company says that they can do whatever they want and that they dont have to follow the law or do they have to listen to the FCRA and that they dont mind paying XXXX dollars. They told me they are above the FCRA.
Consumer complaint received 2023-01-26
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. (PA)

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.
Consumer complaint received 2023-01-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

I saw a new dentist at XXXX XXXX on XX/XX/ in XXXX Colorado for a simple teeth cleaning - preventative care 100 % covered by my XXXX XXXX insurance. I provided my dental insurance information with XXXX XXXX XXXX Colorado XXXX XXXX XXXX ID XXXX. The office manger there has repeated the correct information over the phone twice or more monthly and promises they will file a claim and not try to collect from me. However, to date, they have not filed any kind of a claim with XXXX XXXX nor provided proof of service and medical records so that I can file the claim myself. 

Both I and XXXX XXXX have repeatedly reached out together via phone ( through XXXX XXXX 3-way call ) and secure XXXX XXXX email system to get them to file the claim or provide proof of service. Per XXXX XXXX 's contract with XXXX XXXX, they can not send a patient to collections without first submitting a claim. However, they have sent me to collections. ( copy attached ). 

No matter what we do, neither the collection agency nor the Dentist will stop. They even send nasty text messages that I can not opt-out of. 

If they can not provide proof of service and medial records they can not send me to collections, so is what they are doing illegal? How can it be stopped? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
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. (LA)

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH  XXXX  AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I have updated my info with Equifax and the score that they are reporting to me is almost a XXXX points different than when my credit union ran my credit for auto loan. I do n't understand why the information is so different from what I have on my report that I got in the mail. Equifax is giving me XXXX report but when someone else run it for credit I am being denied for having so many delinquent accounts that I have gotten paid off or updated. The denial letter I got said I had numerous public records when I do not. I want to report Equifax for not reporting accurate information.
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/ In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2017-05-10
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. (LA)

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and   XXXX   has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS   XXXX   RESPONIABLY TO REMOVE THIS
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

After reviewing my credit report dated  X/XX/2017    and   XXXX     I noticed that  Capital One w as reporting information incorrectly. On   XXXX   XXXX    Capital o  ne  reported that my pass due amount was {$160.00} as of   XXXX   XXXX     and on   XXXX   XXXX   they reported as passed due {$190.00} as of   XXXX   XXXX    . This is less than  XXXX  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows th at Cap  ital One ha s falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law section  37-20-110. I have attached copies of recent payments made to Capital One and the reports that were received.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (FL)

I have been banking with  BB & T for a number of years. I was recently charged over {$200.00} for overdraft fee 's because the bank continues to clear charges when there is not enough money in my account to cover the new charge instead of declining my attempted charge. BB & T charges {$35.00} per over draft and some of these recent charges were on purchases of less the {$10.00 }. They have never suggested a solution! I feel this is very unfair - the bank should decline my purchase instead of paying it if there is not enough cash in my account to cover. They will not refund their charges they are very uncaring, its just the way it is. If I carried large daily cash balances would they treat me like an untouchable, "  XXXX  No ''! It appears to be a wonderful source of free money to them. I would pay less of in penalties using a loan shark. I have been charged {$35.00} on an overdraft of {$2.00}. There should be a percentage limit or dollar amount based on the amount of the overdraft.
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE (MD)

Good afternoon there Madam, Sir I have complained about western union XXXX XXXX when I send money to XXXX for my family western union stealing my money and give less to my family all the time and we have give us inconvenience situations and I want to complain and appreciate your help with this case and need further help thanks
Consumer complaint received 2023-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MN)

In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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 2022-10-22
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. (VA)

I am very aware that often times experian consumer complaints are often time avoided or filed as a possible XXXX party. i am in fact who i say i am and please CFPB make sure that experian does their job on filing and the processing ofI have submitted my FTC report to Experian more than XXXX time. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough that experian has failed to honor my rights as i have asserted them on more than XXXX occasion. I have contacted experian via phone as well mail with several attempts. i have proof via usps that shows that experian has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX account XXXX are violation my rights, XXXX XXXX are violating my rights, XXXX are in violation of my rights. which shows that the companies named in this complaint as well as experian are all violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( XXXX, XXXX and experian ). I have in fact been a victim of the XXXX security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and their hiccups. i have made numerous attempts to get Experian to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have experian do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization this complaint. 

Also experian is reporting inaccurate and incomplete information on the XXXX XXXX XXXX XXXX account that is reporting negative information of late payments as well as the XXXX XXXX XXXX XXXX  account on my credit report that is reporting negative information of late payments. i the consumer never received a notice of negative information from either capital one/bass pro nor from XXXX & XXXX XXXX XXXX these XXXX banks or creditors are reporting late payments on my credit report. pursuant to us code 15 us 1681s-2 via paragraph ( 7 ) furnishing this information the financial institution was to provide a notice of such furnishing of negative information, in writing, to the customer. a late payment is negative information, this negative information has caused me to miss in my life and i have suffered tremendously from it.
Consumer complaint received 2017-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc. (NV)

For over a month, I have been getting calls from a XXXX XXXX XXXX XXXX XXXX number at work. The first time I picked up the phone but there was no answer. Then they called two more times that first week. Being annoyed, I took down the number and did a search on it. Various call checking sites had the number listed as spam ( i.e. XXXX, XXXX, XXXX, etc. ). They also gave the company name : Franklin Collection Services which I did not have before since there was no answer on the line nor did they ever leave a message. For a while, I ignored the calls as the call checking sites advised but the calls kept coming. It was then that I started reporting the numbers to the FTC. After reporting four with the XXXX prefix, I got another one starting with XXXX just last week ( X/X/17 ). I have also filed a complaint with my Attorney General ( X/X/17 ).
Consumer complaint received 2022-11-23
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)

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

Last week I received a call from a collection agency for a debt they said I had with XXXX XXXX XXXX from XXXX. Because I did n't know if this was a scam or not, I told them to send me something in writing. On XXXX XXXX I received a bill from USCB America requesting {$450.00}. I was able to confirm with my current HMO XXXX that I was not under XXXX in XXXX and XXXX. I believe I was under XXXX during this time, but I do n't have any records related to an outstanding invoice or any XXXX correspondence. If the bill was for XXXX and I stayed with XXXX through XXXX, any outstanding bills would have been paid. I would like the CFPB to help me with this request as I do not believe it is valid. There is no proof of an outstanding debt and most of all, why did it take so long for them to contact me if it is valid?
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc. (NY)

I called this company called avant. 
Avant customer service is HORRIBLE! 
One thing they cant assist me because they dont speak XXXX? Ok first of all how I am supposed to communicate with them. I translated this through XXXX translate to write this review. I only speak XXXX. So they refuse to help me. They are HORRIBLE people. And on top of that they hung up on my daughter as she tried to assist me. 
How can a agency not provide the appropriate help when calling. What kind of credit card is this. Please never ever get this card. I never actually received card in mail its been 3 weeks no resolution no help now what. I will not pay no annual fee for what a dare that was NOT received
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Subject : Complaint against PayPal Dear CFPB, I am writing to complain against PayPal for limiting my account and holding my funds without a valid reason. 

On XX/XX/, I received a notification that my PayPal account had been limited. PayPal claimed this was for security reasons, but did not provide any further information or explanation. I have attempted to contact PayPal to request more information and to have my account reinstated, but have not received a satisfactory response. 

I believe that PayPal has engaged in unfair and deceptive practices by limiting my account and holding my funds without a valid reason. I request that the CFPB investigate this matter and take appropriate action to help me retrieve my funds and reinstate my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX Account numberXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account numberXXXX  XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX
Consumer complaint received 2024-03-27
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00}
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.