davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!
Consumer complaint received 2024-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (IL)

XXXX reported a balance owed to Diversified Adjustment, and they reported it to the credit bureaus without even notifying me of the alleged debt first. When I noticed the collection on my credit report, I called and told Diversified Adjustment that I disputed the balance, but they would not open an investigation. In the meantime, the presence of this collection account was/is affecting my credit score. I called Diversified Adjustment back and agreed to pay them without proceeding with the dispute ( since they weren't complying with my request, anyway ) so long as they removed the account from my credit report. They agreed to this, and I paid the bill, but the account has not been removed. I then filed a dispute with the 3 credit bureaus, but they affirmed the debt, and it remains on my credit report. THIS ACCOUNT IS PAID IN FULL AND I DISPUTE THAT I EVER OWED A BALANCE TO BEGIN WITH.
Consumer complaint received 2023-05-24
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/year> I received a XXXX settlement deposit of {$250.00} dollars into my paypal account spent about XXXX XXXX leaving XXXX when I arose the next morning went to go do some legal filings however every single dime of my money was gone it had been sent out in an automatic withdrawal to a closed account at XXXX in the morning without my knowledge or consent. Now paypay had me contact the recipient who happen to be a credit union who immediately claimed that this middle of the night transfer while I was sleep was authorized. It was not. When I reconnected paypal they placed a stop check that was too late then began a unarthorized transaction investigation then informed me that my automatic transfer switch was on ( something I had never activated and never used in my entire history of use with paypal ) it took me XXXX to XXXX minutes to locate and turn off further proof I never activated this feature that works overnight. Now last summer I had the reverse problem with paypal complaint number XXXX whereas paypal without notice or warning decided they were simply holding portion of consumer deposits for XXXX  days because they apparently felt XXXX bucks was to much money to make in XXXX day. Regardless now even without your consent they are sending your money out in the middle of the night to closed accounts. The conclusion of their investigation is due to the history of my usage on paypal this was an authorized transaction. AGAIN I have never in the history of paypal done an automatic transfer not to mention just last summer there were refusing to send anybody money anywhere for XXXX  days who got in a certain amount. Further. Since paypal believes this is consistant with my paypal history when there has never been an automatic transfer. Ever in my paypal history Thus we have XXXX possible scenarios here XXXX ) paypal is working with banks and credit unions to steal consumers finds in the middle of the night. XXXX ) Paypal is aware of Malware, Spyware and or other software being used to used to monitor and activate functions such as automatic transfers with linked accounts even when those accounts are closed. And lastly XXXX ) PayPal is allowing thier app to be downloaded with the automatic transfer function already activated and not informing the consumer which would be the worst case senerio as they would then be at fault and thus would explain why the bogus claim that this is consistant with my paypal history. Regardless I am at a point whereas I'm Ready to let the CFPB and FTC figure this out as it took me XXXX minutes to find that auto transfer function and turn it off meaning I never turned it on. For whatever reason if they chose not to retrieve my funds from this bogus transfer to a closed account then we can prepare for arbitration or court which appears all roads are leading
Consumer complaint received 2018-01-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

I had an end of lease inspection and was told by the inspector there would be an {$85.00}. cost for damage. I had time to get any repairs done if the cost would have been more than that. I knew that there was damage to the front bumper that was close to the ground, but was told that was expected since it had no protection like many cars have and is easy to bump into parking lot cement curbs. I could have had the repair done for an estimated {$75.00} if I had known I was going to be charged an excessive amount after turning in the leased car. My mileage was way below the allowance and the car was in excellent condition. 
A few weeks later I received a bill for {$330.00} which was excessive. I called the customer service number and was told they would review my complaint and get back to me which they never did. I was told these repairs I was charged were probably not done, as the car would be sold at auction as is. This is a dishonest practice that I feel should be stopped. I do n't want to pay these unreasonable charges, that were deceptive and unreasonable. Please help me with this.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 
See the documents attached.
Consumer complaint received 2022-11-18
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. (MI)

My information has been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : Bankers XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (GA)

I was covered for my medical bill did not know the hospitol and doctors billed differntly and got send to collections when i speacked to collections they were not trying to help or understand my situaction very rude and did not help me at all.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have an old closed Kohls credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with XXXX dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past two and a half years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2016, inquiries were removed from my Transunion credit file and several days later they were placed back on my credit file. These inquiries were added back to my file and I was not notified in writing by Transunion. Per the Fair Credit Reporting Act ( FRCA ), Section 611 ( 5 ) ( b ) ( 2 ), that is against the law. I have tried for several days to speak with someone at Transunion, however I have not been able to speak to a person, but placed on hold several times for extended periods of time each time I call.
Consumer complaint received 2017-01-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I have a private loan with Navient that was formerly XXXX XXXX. I started paying in 2006 and I have never defaulted or been late on a payment. I have been on forbearance a couple of times. After making many, many payments my original total {$10000.00} the balance has gone down less than {$200.00} on the XXXX loans I have with them. 
In the beginning of my loan they added on " capitalized interest '' in varying amounts from $ XXXX- {$1200.00}. They added that to my balance so they effectively have been charging me interest on top of interest. My interest rates are 7.5 % on XXXX of the loans and 9.5. % on the XXXX. 
I think the way they applied my payments, guaranteed that my principal balance would never go down. In fact, if I came close, my payment due adjusted to a slightly smaller amount. 
I am frustrated and have been discouraged that after paying thousands of dollars on this {$10000.00} the balance has only gone down {$200.00}.
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened Citi XXXX checking and savings accounts in-branch on XXXX XXXX, XXXX, because of a {$700.00} cash bonus offer. The banker let me know I would need a minimum deposit and balance of {$50000.00} for at least 60 consecutive days. 

I deposited {$50000.00} on XXXX XXXX, XXXX, and kept a minimum {$50000.00} balance until XXXX XXXX, XXXX XXXX about 80 days XXXX. 

The offer documentation says the bonus will be credited within 90 days from completing the required actions. However, it's been more than 90 days, and I haven't received the {$700.00} cash bonus. 

I reached out to Citi by online chat and was told I would have to call in about the offer. I called in and was told I couldn't be helped. I feel like I'm not getting an honest investigation and think it's unfair I haven't yet received the bonus after the terms were met and exceeded.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2018-03-13
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. (LA)

I have contacted Experian about an alleged Bankruptcy on my profile. I submitted PROOF that the Courthouse is NOT the one who is REPORTING the BK, as well as PROOF that XXXX REMOVED it due to unable to verify. XXXX verified to me that they received their information from Experian as well as Experian verified they received their information from XXXX. Experian is LIEING AND REPORTING INACCURATE INFORMATION. This against the LAW! I have PROOF they are breaking the law and lieing.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (MA)

AmEx had an offer of 0 % on new purchases for approximately a year. During that year the annual fee of {$75.00} was charged. Despite more than minimum payments made on the account, which covered the annual fee, AmEx assessed interest on the annual fee prior to the 0 % offer expiration. The justification is that the 0 % APR applies to purchases only, not fees, but they used the outstanding purchases balance as the basis for applying interest on the annual fee. This is incredibly deceptive.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made XXXX aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian has not deleted the bankrupcy on my credit report. The bankruptcy is not on any consumer report nor has it been reported by the courts. I have uploaded documents showing this previously. Experian is in violation if my consumer rights. This information has not been verified. If the bankrupcy is not removed I will seek legal action.
Consumer complaint received 2023-03-02
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. (DC)

This is my Numerous complaint to update this suspicious information. I think you have not validated these items and I believe they have failed to authenticate these items. I included this in my last COMPLAINT and hope that these items be verified completely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX, XX/XX/2020 {$280.00} XXXX XXXX XXXX, XX/XX/2020, {$200.00} XXXX XXXX XXXX XXXX, XX/XX/2020, UNKNOWN ALL ACCOUNTS ARE FRAUD NEVER APPLIED OR GAVE CONSENT TO OPEN ACCOUNTS
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (SC)

I have requested a check with a sum of {$6000.00} on XXXX XX/XX/2021 from PayPal and I havent got this check from PayPal. I called them and emailed several occasions but nothing seem to be done.Im tired of all this and I really want the money back into my account. I got other checks but didnt get the huge amount I requested.
Consumer complaint received 2023-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

was at the bank looking to buy a new card when i was made notice of XXXX accounts i never applied for on my credit report
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

hi i have XXXX accounts that need to be removed on my transunion report i have the marked with a x they are from XXXX XXXX XXXX they should be removed due to they are closed accounts and i do not have anything to do with them i have asked the transunion to remove them and they have refused to do so, so i am putting in this complante to have the remove this from my report transunion report number XXXX thank you
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the  law will change XXXX XXXX this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.