davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I opened a Personal PayPal account on on XX/XX/2023 and linked all my personal back information was also linked to PayPal. On XX/XX/2023 I received a email from PayPal stating the following. 

( You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. ) PayPal ( Ref ID - XXXX ) This automated email was sent exactly after a sale of {$19.00} USD from XXXX XXXX XX/XX/2023 XXXX . I would like to have the personal PayPal account reinstated and the release of my funds of {$19.00} USD PayPal is holding the funds and has no authority to do so. Please have them investigate this & correct this issue with them limiting my account as well as allow me to have access to the XXXX USD funds
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (FL)

XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
-XXXX  account number XXXX XXXX XXXX XXXX account number XXXX -XXXX  account number XXXX -XXXX  account number XXXX -XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

XX/XX/2023 reviewed my credit report for accuracy and reporting and seen they were multiple accounts with inaccurate reporting, Ive sent the credit bureaus multiple letters ( XX/XX/XXXX, XX/XX/XXXX ) requesting to fix improper reportings, or have it removed, Ive received multiple letters regarding issues were fixed and accurate but I am still having issues because account accuracy still shows improper and have requested multiple verifications for investigation, and have not yet received, or seen change.i seek immediate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (DC)

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 2021-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service (NY)

XXXX XXXX XXXX posted a debt to collections sometime in XXXX. I received a bill from XXXX randomly in XXXX, with a service date from a year before in XXXX. I had health insurance at the time of this service and when I spoke to my health insurance they told me that they negotiate with medical providers and I do not have to worry or pay for bills sent to me. I called XXXX to tell me this and they said they will make a note on my account. Then I didn't get anything else from XXXX and thought this bill was resolved. Next thing I know there is a debt collection on my credit report. The debt collector " PMichaelMK '' never once reached out to me to tell me that I owe and never gave me a chance to dispute, or become aware that they placed a medical debt on my credit report. It has been sitting on my credit report for years and they have not ONCE contacted me about this debt. XXXX also handled this medical billing poorly.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
15 U.S. Code 1681n
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2023 I sent a dispute letter along with a Consumer Disclosure Report from XXXX XXXX dated XX/XX/2023. The report from XXXX XXXX does not show a bankruptcy ever filed by myself. I was told by a gentleman by the name of XXXX that XXXX XXXX is the company who reported the bankruptcy. If that is the case then TransUnion is reporting false information on my credit file. I will attached the report from XXXX XXXX to prove my claims. If the incorrect bankruptcy is not removed immediately, I will pursue legal proceedings. 
TU File # XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-06-21
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)

XX/XX/2022 {$45000.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any XXXX such debt, in fact therefor exists XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond to me.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond to me.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from XXXX that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX. 

I reached out to XXXX and TransUnion. XXXX was corrected. TransUnion has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on Friday XX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

I notified on XX/XX/XXXX that my Federal Student Loans were forgiven as of XX/XX/XXXX. I received a letter from MOHLEA that the Biden- Harris Administration forgave my loans, contacted the credit bureaus before the end of XXXX XXXX 

I reached out to XXXX and XXXX. XXXX was corrected. XXXX has corrected, XXXX is still working on it. I sent letter yesterday with all documentation that should arrive on XXXX XXXXXX/XX/XXXX. Just got my updated 3 bureau scores and my Student loan is still affecting my credit scores. Even though it was forgiven as of XX/XX/XXXX. 

I inquired to credit bureaus as to how my credit scores were higher with a balance of {$350000.00} on XX/XX/XXXX. My present scores are lower and my debt is now only {$5800.00}. 

My credit report reads : Excellent on all aspects. Except - The remaining balance on your mortgage or non-mortgage installment loans is relatively high. 51 % listed by XXXX. 

The Biden-Harris Administration gave credit to the loan and forgiveness date was 18 months ago on XX/XX/XXXX. 

Credit Bureaus tell consumers we are using to much credit or not using enough. I use my cards and pay them off in full when the bill is due. Why is it held against me? 

Why if my loan is forgiven, is it still showing payments on my credit report up to and including XX/XX/XXXX?
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX 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 have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ensuring punctuality in payment has been a constant practice on this account, with no instances of overdue payments. Yet, I am perplexed by the presence of late payment remarks in my account records. Referring to 15 USC 1666b - Billing Error, I expect appropriate rectifications.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Theses are the unidentified inquires that where found on my account. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX  {$5700.00} USDCurrent balance {$620.00} USD Available credit {$0.00} USD due XX/XX/XXXX This is correct, they are still showing XXXX owed and will not update it timely fashion. 
XXXX XXXX  I am applying for a Refinance and paying more as they refuse to update the credit with the bureaus.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (KS)

Initiated a {$4400.00} balance transfer on XX/XX/XXXX. Stated 0 % until XX/XX/XXXX. Paid a fee of {$220.00}. I received the account statement today showing the entire balance transfer amount and fee are due now. I called to ask why the promotion rate was removed. I was told that in the disclosure it states you can not use the card for purchases after the transfer. I advised the representative that was not shown in the disclosure I read. I asked to remove the balance transfer fee as it was no longer being honored. He tried and the request was declined. I asked him to submit feedback to his supervisor that the disclosure did not clearly state that the card could not be used for purchases. I expressed my discontent with the fact he couldn't help at all. I was misled and not informed of the full disclosure when I initiated the transfer. I don't want this to happen to anyone else.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$630.00} on the XXXX XXXX  XXXX original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX is claiming I ordered a sofa and that I confirmed delivery. I have attached a copy of the receipt they sent me alleging the signature on the delivery receipt is mine. The signature on the receipt does NOT belong to me and I never authorized and/or accepted this item. Nothing from XXXX was delivered to my address. This collection/charge-off is being reported in error and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-04-21
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. (TX)

Experian shows a lack of credit history when applying for credit. This is incorrect for the other two XXXX and XXXX show a credit score via XXXX XXXX over the last two years! 
My credit history includes the XXXXXXXX XXXX XXXX account, which opened around XX/XX/XXXX and closed on XX/XX/XXXX, for over {$6000.00} Current revolving XXXX XXXXXXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX, with a credit limit of {$7800.00}. 
I attempted to open a charge account at XXXX XXXX and was " denied. '' I received a response from Experian stating that I do not have a credit history!
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

My partner and I were traveling in XXXX. On XX/XX/XXXX we were XXXX and robbed in our XXXX XXXX. Numerous items were stolen, including my phone and wallet, XXXX  Drivers License, etc. They managed to get into my phone and create a XXXX account with my TD Bank account. They created XXXX transfers totaling {$2500.00}. We were passed out from whatever they drugged us with for 14 hours. Once we came through we noticed the missing items. We called the police and were sent in an XXXX  to a nearby XXXX. We also filed a police report, which we provided to TD Bank. Once I got access to my emails I saw the transfers. The email confirmations provided an email and a phone number to reach out if it was fraudulent. I immediately reached out to TD Bank via email and by phone, this was on XX/XX/XXXX. I explained all and in my mind all was being taken cared of. My money was still in my account for up to 2 days in pending status. They still managed to let my money be transferred out. I reached out to them via emails that they provided with an update and eventually received bounce backs stating the e-mails were not valid.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (RI)

I applied for a CitiBank credit card after receiving a mail promotion that stated purchase transactions would be interest free for 18 months. I have been using the card and went to review my statement and saw the the promotion is only 12 months long. I called Citi on XX/XX/20 when I noticed to clarify this and was told nothing could be done. I requested that they send me a copy of the mailed promotion that led me to apply for the card and they said they could only send me the terms and conditions of the card.