davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I noticed a charge on a credit card from PayPal that is NOT authorized i contacted them 23 times to no avail. 

I had to cancel my credit card due to the PayPal fraud and theft of funds
Consumer complaint received 2020-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This company LVNV Funding LLC is reporting inaccurate information to my credit profile. I did not give them consent to use my personal information nor did I sign a contract with this company. I filed a complaint with the XXXX  as well which I will attach below.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I closed this account on XX/XX/. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account. 

This isnt a consumer friendly card and they want to milk the consumer anyway they can.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX a fraudulent charge was posted to my account in the amount of {$1500.00}. The merchant was XXXX I did not recognize and had never done business with of any kind : " XXXX XXXX XXXX  ''. 

I immediately lodged a dispute with Citi by telephone, and received an update by mail on XX/XX/XXXX that they were looking into it. Shortly after I noticed that the status of the dispute had been updated to " Customer responsible ''. I called the Dispute team and found out that there had been some misunderstanding due to the transaction being on a virtual account number and the dispute was reopened. 

When I called to request an update on the status of the dispute around XX/XX/XXXX, I was told that my dispute had been closed because I had provided the merchant with the account number. I told them this was not correct and had no basis in fact. Citi requested that I submit these details in writing via email, which I did. ( attached ). 

I eventually received a letter from Citi ( attached ) on XX/XX/XXXX stating : You let us know that you didnt make this transaction ( s ), but during our investigation we learned that you provided the merchant ( s ) with your account information for a series of purchases. You may have seen this transaction ( s ) previously under a different company name or location from where it occurred. Since you provided your account number to the merchant ( s ), we dont consider this fraudulent activity This is entirely incorrect as I had made very clear verbally and via email. I had provided the account number to only XXXX merchants since it was opened, and none of them are even in the travel industry. I called Citi and I was told that I would need to reopen the dispute by mail, which I did ( letter attached ). 

Citi received this letter on XX/XX/XXXX, and responded on XX/XX/XXXX ( only XXXX business day later ) with a word-for word copy of their letter on XX/XX/XXXX. This does not address any of the points I raised in my phone calls, email, and letter, nor did they justify their unfounded position that I had provided this merchant with my account number.
Consumer complaint received 2023-01-13
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. (CA)

I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I submitted a free credit report request via XXXX  XXXX XXXXXXXX for Experion to provide my once a year report and have not received any information from Experian. I have tried to reach them but am unable to get in touch with anyone by phone.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

XXXX bank account that said they are trying to be Opend XXXX with wells Fargo in which I never went to try and do and XXXX with XXXX that says I'm late on payment but never done anything with XXXX for payments
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2020-06-10
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX
Consumer complaint received 2024-02-23
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-13
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. (OH)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXXXXXX ) Fraudulent inquiries XXXX XXXXXXXX date of inquiry ( XX/XX/2022 ), XXXX  XXXX date of inquiry ( XX/XX/2022 ), XXXX Bank date of inquiry ( XX/XX/2022 )
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (KY)

XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX of 2022 I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Transunion has no documentation on this matter so they should of never allowed false information to be published to my credit record
Consumer complaint received 2020-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OR)

I have been getting garnished from my student loans for the past 2 years. They will not work with me to get a smaller paymt. 
I have applied for XXXX   employee forgiveness I have been a XXXX  employee  in XXXX XXXX/XXXX for over 10 years it will be 13 years in XX/XX/2020. Prior to that I was in XXXX   XXXX  in XXXX for XXXX XXXX XXXX for 4 yrs. 

I feel I qualify for this forgiveness program others at my work have qualified and have never paid any money back to their loans. I have paid over half my loan back by being garnished but paying back money should not matter how it get s paid voluntary or garnishment wise. 
I need help this is not right or just.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I am pleased to see some improvements on my report and some of the inquiries and inaccurate personal information which I have disputed were removed. However, there are still remaining inquiries and inaccurate personal information on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining inquiries and inaccurate personal information found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am pleased to see some improvements on my report and some of the inaccurate personal informations which I have disputed was removed. However, there are still remaining inaccurate personal informations on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove the remaining inaccurate personal information found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX
Consumer complaint received 2020-01-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CHALLENGE FINANCIAL SERVICES (NV)

I was in an auto accident. Which my insurance provider had payed my vehicle off. I went back to the same dealership and was told because it was paid off within 6 - 8 months that wasnt enough history for me to get another loan without a down pmnt. Then i was told no XXXX made vehicles because the maintenance on the vehicle if it was to break down would be to expensive to fix under their warranty. So i pick a car. Not the car i wanted but a car. I paid XXXX down. I was paying my payment then fell behind 2 months. But was keeping contact with 2 people there. I asked for an extension and was told ok just pay XXXX i paid XXXX then my account was put in reposession. They reposesed my car. I have XXXX kids. XXXX with XXXX. I was taken.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am pleased to see some improvements on my report and some of the inquiries and inaccurate personal information which I have disputed were removed. However, there are still remaining inquiries and inaccurate personal information on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining inquiries and inaccurate personal information found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX & XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax have violated my consumer rights by furnishing inaccurate information on my credit report. 15 USC 1681a ( 3 ) Congress made it clear that consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave them permission and they did not exercise their grave responsibility, they were unfair, impartial, and most importantly did not respect my right to privacy. I never provided them with written instructions nor gave my consent for them to furnish any information. I just recently found out that I was a part of the data breach so I am demanding that equifax removes all collection accounts and inquiries from my report. This is totally unacceptable and an infringement on my privacy.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

Please refer to original case number XXXX. 

M & T guaranteed to remove the incorrect information from my report. I have the letter in which they indicated that they would update all credit bureaus in regards to fixing this issue. 

In XXXX of XXXX, my XXXX XXXX was totaled by a large truck on XXXX. XXXX deemed it as a total loss and paid off my car with the exception of about {$300.00} or so. I advised M & T that I was waiting on the GAP insurance to be processed, but because I kept getting threatening calls, I paid them off. Eventually they sent me the reimbursed amount in XXXX for about {$300.00}. The account was closed with a XXXX balance with a good standing. It was removed from all reports, but I received an alert from XXXX   that it was back on my report. My installment loan was for an account that is identified by the following XXXX.
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

In XX/XX/XXXX I seek assistance in repairing my credit. The account for XXXX with a balance of {$57.00} was written off and was removed by credit repair help. I've noticed that the debt was purchased and now on my credit report again as of XXXX, XXXX XXXX.