davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (AZ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-12-08
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. (NJ)

I have recently checked my TransUnion credit report and there are credit inquiries that do not belong to me. I have contact both the creditor and TransUnion over 30 days ago and I havent gotten any response. I have sent letters listing the inquiries and dates of inquiry. Could someone please help me? 


Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (NJ)

unauthorized credit inquires on my consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

My issue is with Paypal being complicit in allowing scammers to take money from a buyer and offering no real forms of protection. 

I tried to purchase concert tickets to a sold out show through a normal human being, not a vendor, not a business. Just a guy I met. The person suggested I use paypal to complete the transaction and that he would electronically send me the tickets ( XX/XX/19 @ XXXX ). 

I sent him {$200.00}, tickets never come. The default paypal option for all transactions is friends/family. Which seems like a logical option considering you are not sending $ to an actual business. What paypal actually means when you use this option is that the buyer not relinquishes any protection paypal once considered offering them. 

I then call paypal to see what I can do to stop the scam from taking place, and they begin to interrogate me and accuse me of trying to beat the system by not using their other payment option ( I paid paypal a service fee regardless, and they get their cut as always, so this should really be a moot point ). I then ask the agent after they basically tell me they wont do anything for me, to at least block this person 's account so they can not continue to scam people and they could honestly of cared less. Its starting to look as if paypal is aiding these scams in growing in scale and efficiency and consumers like myself that don't have complete knowledge of exactly how these systems work get conned. 

How can your governmental agency sit back and allow this type of complacency in law when one of the biggest world banks now ( paypal ) is actively allowing this type of fraud daily, and then blaming their consumers for being ignorant or trying to cheat the system? As if the extra {$3.00} I would have paid to " ACTUALLY '' be protected was somehow my determining factor in getting XXXX over. 

It's XXXX, you need to do something about it as an entity that can, and I am stating my case here so that when the 100,000 's of people that are getting XXXX  over everyday sue paypal for negligence I will be utilizing this as part of my class action lawsuit and deposition against their utter lack of effort when people are being robbed daily due to their software loopholes.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This agency violates 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX MAIN Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( XXXX ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit. I demand these accounts be Deleted from my credit report Immediately. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-02-10
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-24
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. (DE)

This is XXXX XXXX XXXX please 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 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient, the servicer of my Stafford Unsubsidized Student Loan, may have harmed this borrower by steering him toward forbearance or other products such as suggesting interest accruing forebearance, income driven repayments, and Federal Direct Consolidation Loan Promissory Note agreements instead of guiding them through the process of applying for income-driven repayment plans that would provide lower monthly payments and a possible opportunity for loan forgiveness. 

The loan was initiated in XX/XX/XXXX with disbursements totaling {$7200.00} The current balance ( which includes late payments, check fees and accrued interest ) equals XXXX. Over 11 years the principal has not been reduced, rather, {$5600.00} has been added to the original loan amount.
Consumer complaint received 2019-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

XXXX XXXXfell hurt my XXXX. had go to emergy room. had insurance that covered my vist never notifed of this dedt. that was sold to this dedt collector. without my knowledge. now has been reported and is now affecting my score
Consumer complaint received 2019-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am in the PSLF program and had to refinance into FedLoan Servicing when I enrolled in it. I requested a complete breakdown of each qualifying payment back in XX/XX/XXXX, and after about a year of waiting, FedLoan provided me with a letter detailing each payment that qualified, and each that did not. Many of the payments which had been back counted from when I was paying to my earlier servicer, XXXX XXXX, were shown to be amounts ofXX/XX/XXXX, or amounts under XXXX XX/XX/XXXX, short of the total billed amount, so they did not qualify, according to FedLoan Servicing. I myself have records from XXXX XXXX showing that the payments amount were equal to the billed amount, so those payments had been paid in full. I called FedLoan Servicing, and after great length and several support specialists, one told me that I might be in " paid ahead '' status, or I was for years. They were thinking that is what  happened based upon looking at the amounts. This means that they think I probably paid more than was necessary for a couple years ( I had made payments toward my loans when the amount due was {$0.00} ) and my billed amounts were lowered later on, and I should be paying an amount different than the billed amount. This information was never given to me, and there was no way to know that I should pay a different amount than the billed amount. FedLoan says that there is nothing I can do, but I would like these payments to be re-evaluated and considered to count as qualifying. I have not seen consistency in the information I've had from FedLoan over these years, so I do not think they are a reliable resource for recordkeeping or information at this point. Thank you.
Consumer complaint received 2019-12-08
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. (FL)

XXXX XXXX XXXX  XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation
Consumer complaint received 2024-03-16
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. (CA)

My 2016 XXXX XXXX was stolen from my job. After numerous times of disputed the errors to my credit bureau they refuse to remove it from my credit report. I call multiple times to XXXX XXXX  and ask them to locate the vehicle but they refuse to help me find the vehicle. Finally I default on my loan because I refuse to keep paying for a car that I do not have. When XXXX finally repo the car they offer to settle my loan but by that time I did not want the car as I was vandalized beyond repair. Thank you
Consumer complaint received 2019-12-08
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)

XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation
Consumer complaint received 2019-12-08
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. (FL)

XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and Experian says the account is verified. how can an account be verified but still reporting inaccurate information.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (OH)

Originally I had filed several disputes on transactions I did not agree with based on goods or services that I bought, one of those was actually a fraudulent charge, however one of the disputes I lost and because PNC only notifies you via USPS when you lose a dispute - And if provisional credit has been issued its going to be debited from the account well I never got the notice, that caused {$550.00} worth of overdraft fees
Consumer complaint received 2019-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (MD)

Can someone explain to me why, when I make a purchase using my debit/atm card the amount is immediately taken out of my checking account BUT BUT when I return an item and the company I bought from process a refund it takes DAYS to get the credit for that refund????? 

It is unfair. 

Why is this allowed to happen???
Consumer complaint received 2019-12-08
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)

XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.
Consumer complaint received 2019-12-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a secondary complaint to Complaint # XXXX, since nobody at the CFPB or TransUnion actually read the detail of that first complaint. Maybe if I dumb this down a bit it will be easier to comprehend, understand, and resolve. 

I have requested method of verification from TransUnion three times and have not received it yet. I just keep getting generic responses that my disputes were validated. Who holds credit bureaus accountable? This is a clear, straight-forward violation of the FCRA and nobody is doing anything about it. 

Credit bureaus are required by law, in accordance with Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ), to provide consumers with the method of verification and description of the procedures used to determine the accuracy and completeness of their investigation into disputed information, WITHIN 15 DAYS of request by a consumer. I requested this three times now, the first time being two months ago, to no avail. 

TransUnion : If you can not provide me with method of verification and description of the procedures used to determine the accuracy and completeness of my disputed information WITHIN 15 DAYS OF MY ORIGINAL REQUEST, you MUST delete the disputed information. 

I am making this request publicly viewable, as I hope others out there can learn from my experience and know your rights under the FCRA. We need to work together to hold credit reporting agencies accountable!
Consumer complaint received 2023-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX  or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-21
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. (NM)

In accordance with the Fair Credit Reporting Act these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.