davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (NC)

Transunion has been notified on this fraudulent account and the account holder. The account was removed but reinserted back on the account 30 days later.. 

XXXX XXXX XXXX XXXX : {$6400.00}. 
Police report is on file! 

My name is XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

I was supposed to receive a new corporate travel credit card, a Visa card through US Bank, in the mail and it was accidentally sent to my old address ( address I lived at 5 years ago ). Somehow the card was intercepted or stolen. The person who stole this card must have also looked up information about me, because they called in to activate the card and set up a PIN number, using the last four digits of my social security number. On XX/XX/21 at XXXX, they then went to a US Bank at XXXX XXXX XXXX , XXXX XXXX , XXXX, and attempted a cash advance of {$1000.00}. That was blocked. They then tried a cash advance of {$500.00} and it was successful. Apparently they also called into the credit card company pretending to be me and tried to get the card unblocked. On the morning of XX/XX/21 I received an email from my corporate finance office that they received an email from US Bank that there was suspected fraudulent activity on my account. I immediately called in, we cancelled that card, they updated my address, and they sent me a new card. I also ask that each time I call in they ask for another identifying information this person wouldn't know, such as my employee number. Because they told me that this person may have personal information on me, I also immediately put a freeze on all my credit reports so that they would not open an account in my name. I have also changed passwords on all my other accounts, and have been monitoring them regularly. So far there has been no other suspicious activity on any other account. A few weeks later, I got a letter from US Bank denying my fraud claim, and holding me responsible for the {$500.00} cash advance. They have told me I have no recourse. I would like to add that I have never used this card for a cash advance, I only use this card for corporate travel which I have not done in over 1.5 years. I also don't use this card in my hometown, except for maybe rides to the airport, as it is a corporate travel card. I have no pattern of this type of use, although the claim rejection letter said that their decision was based on the location and pattern of use.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XXXX XXXX 2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a XXXX name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Consumer complaint received 2021-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

hello, the problem is with Paypal i was seller on it after 2 months i got limited and receive message told me to wait 180 days before i can withdraw my money XXXX USD, but before the period given by paypal XX/XX/XXXX transferred the fund to him self on XXXX XX/XX/XXXX, my funds now XXXX without any notification or email when he did that. 
check the captures & the trensfer doument.
Consumer complaint received 2021-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I recently applied for Public Service Loan Forgiveness program with XXXX  XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX  and XXXX XXXX  XXXX from XXXX XXXX. After reviewing my credit report XXXX  XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX  XXXX  and they are not taking my issue seriously.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Around XX/XX/2018, got approved for a loan of XXXX. Due to extremities of hardship and paying way more than. I was loaned, I could not keep letting this burden me no longer. The loan is in collection. And I refuse to pay anything in collection. It does not help to pay it off because it will still show the loan as a debt collection. 

So it will neither make my credit report nor score go up if I did paid due to this being a personal internet loan that has no real impact on increasing your credit score and report like a credit card does.
Consumer complaint received 2021-02-04
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 (NC)

On XX/XX/2020, I tried to redeem my American Express membership rewards points for a flight reservation through the American Express travel portal but the points redemption didn't go through. Upon chatting with a representative, I was advised that my membership rewards account has been flagged for review when I tried to redeem my points and that this process can take 6-8 weeks.

It's been 8 weeks and my account is still under review, I'm not able to use my points. It's worth noting that I didn't receive any signup bonus that needs to be reviewed to determine my eligibility.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ERC (FL)

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXXXXXXEnhanced RecoveryXXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. There furnishing deceptive forms. Enhanced RecoveryXXXX has committed a crime. Its discrimination
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

Payment was made to previous loan servicer by mistake. A payment of {$1600.00} was electronically made  to Loancare  and should have been made to   XXXX   XXXX       The loan servicing was transferred to  XXXX  on  XX/XX/XXXX . The payment was sent from  XXXX  (  XXXX   XXXX   XXXX   XXXX   of  Maryland  )  Loan #  XXXX . Amount {$1600.00}  1.  I realized I made a mistake a called Loancare on  XX/XX/XXXX  2. Emailed Documentation of mistake  XX/XX/XXXX  3. Called to inquire on status  XX/XX/XXXX  -Told me that someone would call from cash office by Wednesday - NO CALL  4.  Called  XX/XX/XXXX  (  59 minu tes on phone e ) r epresentative spent time researched documentation and making sure cash office had information and details.    5. C alled  XX/XX/XXXX  explained problem and (   XXXX   XXXX    )  told me that she would call me back that day - NO CALL 6. Called  XX/XX/XXXX  told that that I was very upset because no one would check on the status of this issue. Representative said she we have the cash office call me. then hung up!     This is a lot of money to me I am concerned that  may  not have enough money to pay my mortgage this month.
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (FL)

on XX/XX/2020 I wrote all three bureaus pertaining to a whole bunch of mess on my credit reports that I know is inaccurate and some of it I did not do and have no clue how it got there. The bureaus have ignored me on purpose because they do not want to investigate my troubles because they know this stuff is wrong. I want this stuff looked into right now and answered swiftly with all of those items deleted as they are not mine. They already screwed me with the Equifax data breach and let my info get into the hands of some crooks and now they are just ignoring me. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me..
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Messerli & Kramer P.A. (ND)

I have tried numerous times to talk to someone at XXXX XXXX about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency Messerli & Kramer PA. I had set up payments with them on behalf of XXXX XXXX to resolve this debt and it was paid in full. Messerli & Kramer said they notified XXXX that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX  balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

Chase Auto is reporting me late on XX/XX/XXXX and that is inaccurate. I recently checked my credit file and noticed this late reporting on my credit. I was really confused because I had talked to them because I needed to trade in my car. The girl I spoke to about the manner let me know that the payment for the month of XXXX did not need to be paid. She explained that it would be transferred to the new loan and that's when I would make my payment. I did as she told me to and made my first payment on the new loan in XXXX thinking that covered XXXX payment as I was told. Well, I look on my credit and noticed that they were reporting a XXXX late?!? Had I known that would've happened I would have just paid the account but I was specifically advised not to and I got reprimanded for doing something your employee advised? This is not my fault and this must be fixed. Also, under the federal mandate and CARE act you are not allowed to file negative notations on credit during this pandemic.Please remove the late from my credit file.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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 has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that 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 the records of convictions of crime 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. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Consumer complaint received 2024-11-19
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. (NY)

i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically,
Consumer complaint received 2021-02-05
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. (TX)

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Everest Receivable Services Inc. (MD)

On Monday, XX/XX/21 at XXXX XXXX I received a call from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( XXXX ) - a debt collector. XXXX XXXX called me on a landline number ( XXXX ) XXXX that I do not use for business purposes. I provided XXXX XXXX my cell phone number and explained to him that I was working from home and on a conference call. XXXX XXXX responded that he didn't care and wanted to talk to me about a debt I owed to XXXX Credit Card Services. He explained that XXXX had closed my account and sold it off to his company. We agreed to speak later in the afternoon. I did explain to him that I was also on a work-related deadline. 

On Tuesday, XX/XX/21 at XXXX XXXX, XXXX XXXX called me on my landline phone. When I stated to him not to contact me on the landline number he replied " I don't care. I have you know. You owe this company money. You are a liar and a deadbeat ''. I stated to him his statement was disrespectful and harassing and asked him to stop. He refused and continued to call me a liar and a deadbeat. XXXX XXXX continued by stating " I am not worried about how you feel, I want the money you owe us, or I will ruin your credit score ''. At which time I expressed my concerns over his abusive, threatening, and harassing language and ended the conversation.
Consumer complaint received 2024-03-01
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. (IL)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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 2024-11-19
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. (NJ)

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 
XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under XXXX XXXX Code XXXX permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I kindly ask for your utmost attention and urgency in addressing this dispute, as the incorrect information on my credit report is adversely affecting my financial well-being. I request that you provide me with a written response detailing the results of your investigation, along with a corrected credit report reflecting the removal of the disputed entries. 
Thank you in advance for your cooperation, understanding, and prompt resolution of this matter. Should you require any additional information or documentation, please feel free to contact me at the above-mentioned contact details.
Consumer complaint received 2023-01-01
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. (NY)

XXXX is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( XXXX  ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX 0n XXXX website and system is saying already in dispute.not me!!!!!