davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (OH)

A friend wanted to help me out financially and transferred money to me through PayPal. This has happened before. He knew that it needed to be clear that it was not for goods and services, but the button for friends and family was inconspicuous so he just added a not that said " gift. '' Paypal too over XXXX dollars as a fee, and would not budge, even though it was notated as a gift. Then I though I could just reverse it and explain to my friend that he had done it wrong, and to do it again, but the refund was not seen as a reversal, so they have sent a withdrawal request to my bank for the entire amount, which I do not have, then refused to cancel that transaction. They do not care that it was not for goods and services, and will not do anything to help.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc (TX)

XXXX XXXX, XXXX XXXX is just lying to the Oversight Committee Fidelity National Title sold my property that was pending under court jurisdiction. Fidelity National Title was sent a demand letter by my former attorney XXXX XXXX. I filed my complaint with CFPB XXXX and nothing has been done. I am being threaten by Fidelity National Title that if I do not sign a release of lien they are going to file a declaratory judgement against me. 
My property had a XXXX XXXX filed by my attorney in court on XXXX XXXX, XXXX. On XXXX Fidelity National Title sold my property for {$580000.00}. 
CFPB has not communicated with me concerning this matter. I received a letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX # XXXX sustained and refused my " due process ''. The Probate Court denied my attorney to present the mortgage fraud documents the heirs ' affidavits & Fidelity National Title used to commit the mortgage fraud. 
Since, my original complaint CFPB has changed directors. Which is another tactics being used to stonewall this complaint. This property was under court jurisdiction in pending litigation when Fidelity National Title lacked due diligence.
Consumer complaint received 2024-05-30
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. (OK)

Pursuant to 12 CFR 1026.13 - Billing Error Resolution- I have disputed the account. Pursuant to 15 U.S. Code 1666b ( a ) Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. Until then the company can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Pursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute. Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). Pursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract which includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence. I the affiant have reason to believe and do so believe the company has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX - ; XXXX XXXX XXXX Balance XXXX {$690.00}
Consumer complaint received 2023-10-06
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. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX TO ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2019 ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$540.00} ; XXXX XXXX Original Creditor : 07 XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : 09 XXXX TOWNHOMES ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Consumer complaint received 2023-09-19
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. (OK)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Submitted complaint XXXX XXXX " Logged in to place a temporary thaw earlier in XX/XX/year>- this had no issue, nor any previous time logging in to temporarily thaw my credit. On XX/XX/year> I logged in and was shown that my account was suspended and I had to contact them through social media or a phone number. The phone number went to an off-shore call center where they asked for the entirety of my personal information including last 4 of social and birthdate, and then they were able to remove the account suspension but could not give a clear reason for why my account was suspended. This seems like a major issue as not everyone will have luck contacting a company through XXXX formerly XXXX, and it doesn't really make sense for us to need to give some random, untraceable off-shore call center employee all of our sensitive personal data, just to reverse an arbitrary, undefined, unclear account suspension, in order to unfreeze credit. '' In response, the company gave a generic response " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. '' which does not even remotely relate to my original issue. The response in question indicated a dispute of information- which was not at all the point of my complaint, which focused on how TransUnion irresponsibly suspended my account for no reason and required me to provide an absurdly extensive amount of personal data to an offshore resource to unlock the account.
Consumer complaint received 2023-10-06
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. (AR)

I am writing to formally file a complaint regarding my persistent and unsuccessful attempts to have late open accounts corrected on my credit report with Credit Bureaus. These inaccuracies have had a significant adverse impact on my financial well-being and creditworthiness. 

I first noticed these discrepancies on my credit report dated, and since then, I have made multiple attempts to have these inaccuracies corrected. I have communicated with your agency on the following dates : I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my best efforts, the late open accounts remain uncorrected. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly highlighting the late open accounts. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of accurate account opening dates, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have had a direct and detrimental impact on my ability to secure credit, employment, and other financial opportunities. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and regular updates on the progress of the investigation. Kindly assist me to correct the following accounts in my credit report : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00}.
Consumer complaint received 2023-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (WA)

My first contact to Nelnet to request my full payment history was back around XX/XX/XXXX. 

They did send an encrypted message that did not even show the full payment history and i couldnt view the file. I called Nelnet customer service and requested that the history be mailed to my address. 

This has not been completed. I have since emailed the request for the payment history multiple times and each time I get the run around. This last time on XX/XX/XXXX has not even been responded to.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Upon checking my credit report on Equifax, I see they are reporting inaccurate information about me on my report. There is a collection report by XXXX XXXX. this alleged account listed as collection with a past due balance reporting and this alleged collection account statues states its open. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards by the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AR)

I received a notice that my available credit balance had been cut in half. When I called to inquire what had occurred, I was simply referred back to the notice, which stated that the company was using data reported to XXXX from last XXXX, but did not consider that significant changes might have occurred since then. 

I requested that the " periodic evaluation '' be considered adequately and with due diligence, if it was going to be done, and was informed that such was beyond the scope of what the customer service agents were capable of doing. The best I could hope for was to request a balance increase with the soft credit check that would trigger, which was one of the secondary issues, too many credit checks listed. 

I informed the agent that any company that was incapable of honest business was incapable of keeping me as a consumer and to close my account. I am solely informing the CFPB as a courtesy and to alert other consumers to the dishonest methods and outdated data the Synchrony Bank uses to defraud their customers and deny them credit balances.
Consumer complaint received 2022-12-09
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. (IL)

When I checked my credit record, I discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Balance Owed : {$530000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Consumer complaint received 2023-10-06
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. (MA)

I am writing to formally dispute the accuracy of certain information on my credit report, as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion regarding these discrepancies. To date, I have not received a response. I am providing the following details of the inaccurate information and the requested corrections : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} Disputed Balance : [ Your Recollection ] I dispute the reported balance of {$1500.00}, as I remember the amount being lower. Furthermore, the Past Due amount should not be reported, as this account is closed and charged-off. I kindly request that TransUnion mark this account as disputed to prevent any further negative impact on my credit score. 


XXXX Date Opened : XX/XX/XXXX Reported Balance : {$7500.00} Disputed Balance : [ Your Recollection ] The reported balance of {$7500.00} is incorrect and has significantly affected my credit reputation. The Past Due information should not be applicable to a closed and charged-off account. I need TransUnion 's assistance in resolving this matter with the creditor and request marking this account as disputed. 


XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$1500.00} Disputed Balance : [ Your Recollection ] The reported balance of {$1500.00} appears to be higher than what I remember. As the account is marked as closed, the Past Due amount should not be reported. I intend to contact the creditor to rectify this discrepancy and request that TransUnion mark this account as disputed in the interim. 


XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} Disputed Balance : [ Your Recollection ] I question the accuracy of the reported balance of {$2100.00} for this account. The account is marked as closed and charged-off, and therefore, the Past Due amount should not be reported. I plan to contact the creditor for clarification and request that TransUnion mark this account as disputed. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX, XXXX, & XXXX XXXX XXXX is reporting inaccurate dates, amounts, and showing past due! Some the accounts are open and still showing past due! I have disputed the information with all 3 credit bureaus and they have not investigated correctly and are reporting that the information is correct! XXXX has been paid in full and are still reporting flags on my accounts! This is against my consumer rights per FCRA and is against the law! I am trying to purchase a house and these accounts and their inaccurate information are hurting my credit!
Consumer complaint received 2023-10-06
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

For my XXXX Report there are inquiries on dates of that I didnt apply for and that I requested to be removed ( XXXX XXXX XXXX, specifically ) There are also inquiries on my Transunion Report that I dont recognize as well