davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account 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
Consumer complaint received 2023-10-04
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. (OK)

On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XX/XX/ and I have not received this information as requested.
Consumer complaint received 2023-10-04
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. (OK)

On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XX/XX/ and I have not received this information as requested.
Consumer complaint received 2022-12-08
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I reopened my PayPal account because that is the only way XXXX allows you to redeem your cash back rewards from your XXXX account. Then XXXX sent an email that the cash reward had been transferred to PayPal but it was not showing in my PayPal account!! It is {$3.00}. I then reached out to PayPal by phone and no one would take my call and kept sending me to automated lines that did not help!! I called them five times and also tried to reach them through email and on my website and got no response or help!! I then requested they delete my account and they did this within two minutes!! They have committed fraud and stolen my {$3.00} cash rewards and are probably doing this to millions of others too!!! I want my money!!!
Consumer complaint received 2023-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (AZ)

My CD funds of {$19000.00} matured on XX/XX/2023. I called phone customer services three times to close the CD account and transfer the fund to my checking account. They kept transferring to different department and even hung up on me not to make me withdraw the balance. The bank website and customer services are terrible. They do their best not to close any accounts.
Consumer complaint received 2024-04-05
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)

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 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-05
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Investment Retrievers, Inc. (CA)

I was sued by investment retrievers for a debt that was not mine but was not able to afford a laywer so I lost. They have been attempting to collect the debt owed by a judgment. They have enforced it by seizing my property. The problem I have is there threats I know legally they can do this but I dont think they can tell me things like Ill have your CA state XXXX XXXX. Revoked and youll be calling me back begging to pay your debt. They are very rude on the phone and have threatened my livelihood of me and my family. They have many times said they were going to do things to me that later on I find out they cant do. I just think its a shame that they have a judgment against me and they have to resort to theses tactics. Im a XXXX veteran with an XXXX XXXX and this is too much. I know they are enforcing a debt owed legally but can they really threating me with things they cant do and threaten me and my families livelihood.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY (FL)

American Express repeatedly calls me for my ex husbands debt, telling me that I am also liable for this when I am not. I have told them to stop calling me and even given them his phone number, because it is not my debt and I filed bankruptcy in 2021 so I dont have any obligation for this regardless. They are still calling me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS HARASSMENT.
Consumer complaint received 2018-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am writing you because I have attempted to contact Customer Service and they are unwilling to address this issue. 

In reviewing my student loan account I can see from Navient 's records that including payment to the school and interest I borrowed a total of {$29000.00} Since paying on my loan I have paid a total of ( {$18000.00} ) Meaning I should only owe the remaining balance of {$11000.00} However Navient is reporting in my account and to credit bureaus that I owe {$26000.00}
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

Here at all truist banks here in XXXX XXXX XXXX I had an account and non authorized charges on card, and I only despoited money on account, and my pin number was on back of card and card was stolen and used. Which was XXXX dollars I want back and I sent them signed affdvaid.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act # XXXX in Experian XXXX Account in my account SELF/XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
Collection accounts XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$310.00} XXXX XXXX account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$89.00} Status Collection account. {$89.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$960.00} Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$960.00} XXXX XXXX account. {$960.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX I Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. 
, 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 In XXXXXXXX XXXX XXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX Date assigned XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX  View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX View Account Details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX Date assigned XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

I submitted the following information through Mohela secure email on XX/XX/XXXX2023 and XX/XX/XXXX2023 and spoke with customer service representative on XX/XX/XXXXXXXX  and they were not able to give any information regarding refund. Below are the two emails sent to Mohela : The purpose of this email is to obtain information regarding payments made after my 120th qualifying payment. I have a total of 160 qualifying payments dated ( XX/XX/XXXXXXXX  ). My XXXX XXXX consolidated on XX/XX/XXXXXXXX  ( documentation below ) and my loan was discharged on XX/XX/XXXXXXXX  ; however, I continued to make payments from XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  ( documentation below ). I made 14 additional payments in the amount of {$1100.00} from XX/XX/XXXXXXXX  until XX/XX/XXXX. According to your information posted on your website, and the student aid gov website these are considered overpayments ( 14 payments of {$1100.00} = {$16000.00} ) and should be refunded to me. Please review information below and check your information and my student aid gov loan history. I would greatly appreciate it if you could review the information and respond.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-07-20
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 
Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-09-16
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. (TX)

HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (AZ)

i bought a lap top from XXXX XXXX XX/XX/2022 i used my XXXX credit card to purchase the lap top instead of using XXXX  XXXX  they are attempting to collect a debt i never accured with them we did attempt to get financed with them than decided to just put it on XXXX credit card we have proof of purchase using my XXXX  credit card
Consumer complaint received 2023-10-04
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. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2021-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TX)

Pre approved and now two weeks from closing we are loosing our XXXX, because the lender has now told us underwriting is declining, he did not update the underwriting with the updated information filed the complaint with his company and they are not going to re review the file. We have paid debt that he asked us to pay which totals {$1500.00} and loosing XXXX in XXXX money
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Here at bank of America I made a deposit for checking and savings account plan time plus, at XXXX XXXX XXXX XXXX XXXX And all unauthorized transactions action on account and debit cards in was frauded.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I deposited at a Capital One ATM a check for {$20000.00} made out to me from the trust fund of my attorneys, drawn on XXXX XXXX XXXX. I was informed at the time that the funds would be available in 3 parts- XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This didn't seem particularly unusual, and I made several financial commitments based on these dates. 

I was informed by email the same day that the reason for this delay was " we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. '' This claim of " confidential information '' seemed odd at the time, as the source of funds was a law firm trust fund, hence unlikely to be unpaid. 

All these dates, however, have now passed and although the funds now show in my balance, Capital One has failed to make any of the funds available to me. Calls to Capital One get nowhere, and I am now told that the funds will be available XX/XX/XXXX, with no additional reason given, and that " there is nothing they can do about it. '' I am severely inconvenienced and embarrassed by the fact that Capital One continues to hold onto my funds for 7 days without a specific reason, and has failed to make funds available according to the schedule they originally stated.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602

A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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. (PA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX