davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate this accounts. Account name : XXXX : Account numberXXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being XXXX day delinquent. It can not be reported that I was XXXX days delinquent without XXXX or XXXX day prior late payments. 

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.

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 the information is inaccurate.

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Previously I established an investigation of some accounts with erroneous information and after reviewing your response I received that some accounts are still incorrect, with a verified status. Please correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/year> I paid my XXXX mortgage payment with a cashier 's check for the full monthly payment at the Truist branch location in XXXX, MD on XXXX XXXX. Their receipt shows a post date ( PD ) of XX/XX/year> and a check date of XX/XX/year> ( CD ). Regardless, today, XX/XX/year>, I received a phone call from Truist Collections to make arrangements for my late mortgage payment. The gentleman explained to me any time after the XXXX of the month they can put the account in collections. 
I paid with a cashier 's check ; there should be no delay. Their account statement says payments received after the XXXX will be hit with a late fee. There is no way this should be in collections. It appears as though they are intentionally trying to put people in collections.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NV)

XX/XX/2022 {$990.00} Spring Oaks Capital LLC Company never reached out. I never received any letters. I saw this on my Credit Report when trying to get an apartment. I don't know where this came from
Consumer complaint received 2021-01-11
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. (GA)

I have attached all my letters sent to the company along with their response after lying about an investigation which is a violation of FCRA. According to FCRA 611 ( 1 ) ( a ) ( 1 ), you have 30 days to complete an investigation and within these same 30 days you MUST update the DATE LAST REPORTED to signify that you indeed completed an investigation. The date last reported still reflects XX/XX/XXXX. How is this possible if you just did an investigation on XX/XX/XXXX? I pulled a copy of my report on XX/XX/XXXX and it reflects XX/XX/XXXX as the DATE LAST REPORTED as well under adverse accounts.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Currently have XXXX active personal loans with Pentagon Federal Credit Union, I call to make payments over the phone. 

Call center representatives of the creditor have repeatedly provided me with incorrect due dates for payments that are weeks or months in the future, leaving me to believe my account will remain in good standing and will not accrue any late fees. 

Pentagon Federal Credit Union has repeatedly charged me late fees, reported my account as late to the credit boroughs and will not respond to repeated emails, letters or inquires concerning the matter. 

Customer associates have also failed to fully process payments and have admitted to their mistakes. 


The most recent payment on XX/XX/year> a call center representative informed me that my accounts Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is obviously inaccurate information, I would like the creditor to refund late fees charged to my account and reverse late payments. 

Funds were drafted from my banking account as payments yet fees are still charged and account are still reported as late.
Consumer complaint received 2024-04-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OH)

On XX/XX/XXXX I bought 2 XXXX XXXX pre paid debit cards. Each for {$150.00}, total XXXX dollars from my local XXXX. I have tried one of those cards. I went to XXXX XXXX as listed on my card. checked on that card. Input pin #. Site stated the card was active and had a balance of {$150.00}. Tried to use it unable. Waited more than 24 hrs. Tried again still unable. Today I Went to the site again and it shows a transaction on XX/XX/XXXX for {$150.00} which I did not do. Balance of {$0.00}. I went to check the balance of the 2nd card and after putting in the card info the site the site stated it was not working to come back later. I expect I have lost all {$300.00}. 
Customer service on the card is just automatic response unable to contact a live person.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (TN)

I reached out to XXXX XXXX XXXX about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

XX/XX/2024 my Paypal account got hacked and it happened about XXXX minutes before Paypal closed. I called and someone unsuccessfully tried to help me secure my account. I got locked out of my account and had to call again on XX/XX/2024 and the person on that called said that the person did it wrong. She filed a dispute about the unauthorized transactions. I never heard anything back and she said I should see my money back in 10 days. I never seen any of my money. I called today on XX/XX/2024 and they pretty much said that the person on the XX/XX/XXXX also filed the dispute wrong and it is too late for the dispute. My account shows that on XX/XX/2024 someone by the name of " XXXX XXXX '' was sent {$1.00} and {$100.00}. I do not know this person and I never sent it. PayPal refuses to help me get this money back. Also, shows that on XX/XX/2024 that there were unauthorized transactions to a company called " XXXX '' for two transactions of {$1.00} and {$58.00}. Customer service put a dispute against this transaction when I stated that I was responsible for transferring the money, which I wasn't there were clear emails when the hacker changed my email and phone number, twice. The first time I called Paypal the hackers were in my account trying to drain it. Customer service failed to secure my account. When I called them again customer service failed to report of the correct fraud activity making it look like it wasn't fraud I am missing {$160.00} that I have no guarantee to ever see back.
Consumer complaint received 2021-01-07
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. (NY)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TX)

I have been actively trying to withdraw my funds from this company for over XXXX months. They have requested bank ownership, identity, and statements from me. No request has been denied and all information matches exactly what they've asked for. They have first restricted my account and then frozen it with no contact and no instruction on how to receive my money ( over {$11000.00} ). No customer support has been received and instead stock email after stock email with no resolution.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XX/XX/year> I opened a account with Citibank. The teller informed me I would receive my debit card in a week, XXXX weeks went past. I went to deposit my second payroll cheand to find out why I haven't received my debit card. A week went by and I then was informed my account would be closed because of fraud. I asked would my fund be returned to me and I was told yes, that a check would be mail to me. I received a statement in XXXX for the amount of {$1200.00}. I received a check in the amount of {$6.00}. When I went to the bank to find out what was going on I was then told my check couldn't be verified and to check with my employer. My employer informed my the check was deposited and cashed. I was by the bank that they couldn't provide me any information to why the account was closed and to verify the checks I deposited.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

In accordance with the fair credit reporting act. The list of accounts below have 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 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 c ( 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 and crimes, which antedates the report by 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 cost to believe that the right Solution Delete these accounts
Consumer complaint received 2021-01-07
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. It has been well over 30 days!
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way
Consumer complaint received 2024-03-25
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. (FL)

To whom this may concern, after checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these inquiries reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. Starting XXXX  days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the inquiries from my consumer report without prejudice.
Consumer complaint received 2023-03-03
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} I sent a request to validate them last time but they are still erroneously reported on my file This was already included in my prior COMPLAINT, and I'm including it again.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I've had a Paypal account for about XXXX  years. For the last XXXX or XXXX, my spouse and I have used XXXX XXXX  debit cards in when in XXXX because their foreign transaction fees have traditionally been lower. We have a house and business in XXXX. 

Last Thursday, I made an XXXX   to my Paypal checking account of {$500.00} USD. This is a transaction I usually do twice per month, so I've completed this same transaction literally over XXXX times in the last XXXX  years. 

This time Paypal didn't receive the money, and I only found out when my spouse tried to use their XXXX  debit card to pay for our XXXXXXXX XXXX XXXX, a couple XXXX dollars, and there were insufficient funds. This was the XXXX of XXXX. The money was supposed to be deposited by my main bank XXXX XXXX XXXXXXXX on the XXXX, so realizing a problem I called them. 

Their untrained phone agent " XXXX '' proceeded to tell me that it was because I recently upgraded my account from a personal account to a business account even though this was false. He then proceeded to cancel my business account and both of our debit cards without asking or explaining the consequences of what he was doing, then he hung up on me. 

I saw the cancelled cards notification come into my email so I called back and asked to speak with a supervisor. The supervisor informed me that the first rep I spoke with did in fact cancel my account, and that there was no possibility or putting it back or even having a business account again, which means that we're now limited to XXXX debit card. 

Paypal doesn't train their phone agents. They don't know why things break and are so poorly trained that they just do more damage. After XXXX  years of using Paypal, they nuked our account and we are forced to look for an alternate account now. No one apparently knows why they stopped accepting our XXXX, or why any of this happened. This means they're dangerous and can not be relied upon. We are now looking at XXXX, a XXXX XXXX XXXX account or some other alternative because Paypal obviously cares nothing for its clients.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (LA)

n accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX XXXX  inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions