davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called TransUnion on XX/XX/2023, around XXXX XXXX. PST,. I dialed ( XXXX ) XXXX. I was transferred to the XXXX call-center ( dispute department ) I Spoke to a female agent by the name of XXXX. I told XXXX I wanted her to submit a complaint on my behalf that I called the XXXX call center and had several agents disconnect the call on me. It only happens in the XXXX. I never had the XXXX XXXX, XXXX XXXX, XXXX or American call centers disconnect on me. Its becoming a pattern of behavior with the XXXX. After I politely explained my complaint, XXXX then disconnected the call on me. This was egregious. If this doesnt stop I will follow up my complaints with the AG , FTC and file a legal action against TransUnion and their XXXX XXXX
Consumer complaint received 2021-07-26
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)

On several occasions I have reached out to XXXX, XXXX  and Transunion and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980
Consumer complaint received 2017-02-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Blackhawk Network Holdings Inc. (DC)

Dear Consumer Financial Protection Board, On XX/XX/XXXX I attempted to sell XXXX XXXX XXXX E-Gift Cards to gift card reselling website Cardpool, with a total face value of XXXXUSD. Following the submission of my order, Cardpool marked my order as order as a " physical gift card sale '' and requested that I send them the gift cards via XXXX. I then contacted the store and explained that I did not have a physical gift card and asked if they would process the transaction, as I had already submitted to them the gift card numbers and pin information. Since then I have sent several emails and have received no response. Although Cardpool does not provide an exact timeline for customer service, their website notes that they " will get back to you within a day. '' It has been over two weeks. I am requesting the CFPB 's assistance in garnering a reply from Cardpool, and ideally, would request that the company process my order and sent me payment for the gift cards I have sold to them. 

For reference, the emails I sent along with the dates are provided below : XX/XX/XXXX I am attempting to sell your company XXXX XXXX XXXX E-Gift Cards, face value of XXXX USD per card. The transaction ID is XXXX. However, when I went through your online check out process your site noted that I now need to send you a physical card to complete the transaction. I am confused as to why this is, as I recently sold you site a similar XXXX XXXX E-Gift Card with no issue. I have also already provided your company with both the gift card number and PIN number so do not see why it would be necessary to send a physical card. Any assistance you can provide would be appreciated. 

XX/XX/XXXX Dear Cardpool Support, I am writing to follow up on the below inquiry in respect to my recent attempt to sell your company XXXX XXXX XXXX gift cards. I would appreciate your attention and any assistance you can provide. Thanks! 

XX/XX/XXXX Dear Cardpool Staff, This email marks my third attempt to follow up with your company in respect to my sale of XXXX XXXX XXXX Gift Cards for XXXX USD per card on XX/XX/XXXX. I again request that your staff review the order and process it as an e-gift card rather than as a mail-in order, as your system had wrongly designated my order when it was placed. If I do not hear from your company within the week, I will be forced to elevate this to the Consumer Financial Protection Bureau. I hope that this does not come to that action and hope to hear from your staff soon.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TN)

On XX/XX/XXXX, I sent a letter to Caine Weiner asking them to validate the debt. As of XX/XX/XXXX Caine Weiner have fail to respond and they have also fail to update my consumer report that this debt have been disputed.
Consumer complaint received 2019-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

I have a payment that is due XX/XX/2019 XXXX I got approved for Income driven payments which start XXXX for XXXX. They are refusing to give me a forbernce for XXXX I can not afford {$860.00}
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (FL)

XX/XX/ : Received a voicemail from XXXX XXXX XXXX Fraud Department ( XXXX ) XXXX stating call was in regards to a recent financial request that was received in my name and to return the call at ( XXXX ) XXXX. 

Immediately, I logged into my XXXX XXXX  and Experian accounts : The following information was posted on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High XXXX XXXX XXXX  got a copy of your Experian Credit Report. 

XXXX XXXX XXXXXXXX made a Bank/Credit Card Inquiry by checking your Experian Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Alert Details Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian as well to report the inquiry is not mine/identity theft. They both confirmed to me that no account has been opened as of today.They are both working on disputing/resolving the inquiry. In the mean time I did set up fraud alerts through my credit bureau for further protection in monitoring in future identity theft.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Summit A*R, Inc. (NY)

This company has consistently been contacting my friends cell phones. Disgusting my deck, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances.

After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. 

She on a recorded line, admitted that I am not XXXX and whoever the other person Is that shes talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations . Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me.

Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies.

invalid due to incorrect information.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX FUNDING Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Account Name : XXXX Account Number : XXXX ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-30
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. (NY)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

My PayPal account has received a cash withdrawal email notification after 180 days, but I can't linked to the bank and withdraw cash now. I have contacted customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-04
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. (GA)

On XXXX XXXX I mailed a dispute letter to Transunion and XXXX XXXX signed with his signature on XX/XX/3219. I have not received any documents stating an investigation was made or if the the dispute was deleted.The credit bureau has to respond to your inquiry within 30 days, or they must remove the negative item listed, per Fair Credit Reporting Act regulations. I disputed the inquires below : XXXX/XXXX, Issue : The inquiry was not authorized XXXX, Issue : The inquiry was not authorized XXXXXXXX, Issue : The inquiry was not authorized XXXX XXXX, Issue : The inquiry was not authorized XXXX/cont, Issue : The inquiry was not authorized XXXX/XXXX, Issue : The inquiry was not authorized
Consumer complaint received 2019-09-04
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: LAW OFFICE OF HALL AND ASSOCIATES (TN)

I am currently being garnished for my payroll at XXXX XXXX XXXX the first garnishment was {$570.00}. I disagree with this garnishment because I received no notification from the XXXX XXXX before they started garnishing my check and they did not do the proper check to find out my current address to ensure that I received notification for this garnishment. The company did not try to contact me before they started garnishing my check this judgment was set on XX/XX/XXXX the total of the garnishment was {$3500.00} this is past the six-year statute of limitation that they are not supposed to be trying to Sue or garnish anything out of my check. I would like to file a complaint due to the circumstances that I received no notification no court date I sign no papers for them to start garnishing my check this just started the first garnishment as I stated was effective XX/XX/XXXX any amount of XXXX XXXX. I only found out about the garnishment from my check stub and then I started making phone calls to ask to find out where this was coming from and HR provided me with the documentation that they received and I had no knowledge. On the document I received there is an old address that I have not been living at at least 11 years now and also the sheriff wrote on that form refuse to sign. I disagree because that was the incorrect address and I'm sure the person living there refused to sign because it was not for the correct person. With this being said I disagree because of the statue of limitations for the state of Tennessee has exceeded for XXXX XXXX XXXX to try to sue me or garnish my check for the amount is owed. In this complaint I am requesting for the XXXX XXXX to stop garnishing my check to stop trying to sue me because the statute of limitations has exceeded and it is past time in the state of Tennessee for them to recoup any funds from me.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (FL)

Based on explanation you provided in previous complaint ( complaint is attached ), your financial institution stated on the record that you engaged in discrimination based on place of origin and my application for loan was denied based on discrimination. 
My original question of the complaint was clearly stated : If the Sallie Mae was engaged in discrimination. 

Your answer on record was : We do not discriminate against applicants regarding any aspect of the credit transaction on a prohibited basis. 

And I want to emphasize this quote : PROHIBITED BASIS this is word game, Because this is antonym of this word is PERMITTED, ALLOWED which leads us to conclusion that you still engage in Allowed Discrimination. 
My conclusion is : Yes I was discriminated based on allowed/permitted discrimination, but it doesnt change the narrative, because it is still counted as discrimination. 

Your actions is hurting my feelings, my well being and its violates United Nations Declaration of Human Rights.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc. (CA)

i received a letter in the mail from Mid-South Adjustment Co., they said I owe money to The Department Of Veteran 's Affairs. My federal tax refund went to them not me, {$200.00}.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

The doctor scheduled a XXXX with XXXX XXXX XXXX. XXXX called and stated that they had ran the insurance and got me prequalified and the XXXX would be cover 100 % with no co pay or down payment needed. Three months later I received a bill for {$1400.00}. I called the billing department and explained what happened. I was told by the billing Manager that a mistake was made by the department and the would be billing the insurance back and it would be billed the correct way to clear up mess that was made. The bill was turned over to XXXX XXXX XXXX for collection. I reach back out to XXXX XXXX XXXX and was told that it would be removed off my credit because they was the one that made the mistake,. The Item was removed off my credit report but put back on by Medical Revenue Services. I called back to speak to the manager at XXXX XXXX XXXX but had to leave a message and I could not get a return call back. I called Medical Revenue Service and spoke to XXXX. He refused to let me talk to the manager to try and get this problem corrected. XXXX stated that the manager did not have time to talk with me about this problem. This is the 3rd time a bill had to be cleared up with one collection but put back on by Medical Revenue Services.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX || Account number : XXXX - XXXX  || Account number : XXXX - XXXX || Account number : XXXX - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) || Account number : XXXX - XXXX || Account number : XXXX - XXXXXXXX XXXX || Account number : XXXX XXXX XXXX XXXX || Account number : XXXX
Consumer complaint received 2023-01-19
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. (NC)

I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXXXXXX XXXX XXXX. I submitted my dispute via XXXX XXXX and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a XXXX XXXX XXXXXXXX and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (FL)

Fortiva refuses to lower the absurdly high minimum payment. It is currently at {$210.00} a month, which they say is based on the highest balance of the card. The issue with that is that even though the balance is dropping, the minimum payment is not. They make using the credit protection plan impossible, they offer no support or help to lower the monthly payment, and instead of helping when you call, all they do is send you on an endless transfer circle, each department saying the other has to help you. They are leading me to either file bankruptcy again or let the card go to collections because it's just not affordable and it's interfering with my ability to live. To be clear, they have REFUSED to lower my minimum payment and have offered no form of support at all.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I had a debt that was purchased by portfolio recovery. I made payment arrangements and paid in full and portfolio recovery sent me a paid in full notice showing balance XXXX but it is still showing the full amount on my credit report. I have disputed it with all credit bureaus but they are not removing it. Or showing the XXXX balance.