davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

I am being billed by transworld for {$750.00} for XXXX XXXX XXXX. AT the time of the XXXX XXXX XXXX. I had a VALID XXXX XXXX which was fully funded and capable of paying the tolls. For whatever reason the tolls were not picked up by my XXXX I was unaware of this. Only recently, I receive a notice and contacted XXXX, which told me to call this collection agency regarding the tolls. I HAD AN XXXX   XXXX AT THE TIME OF THESE TOLLS. MY XXXX XXXX HAD SUFFICIENT FUNDS TO COVER THE TOLLS. I am being charge an additional {$100.00} per toll ( 7 tolls ), which is totally unfair. I had an XXXX XXXX, and my XXXX XXXX   had funds on it. Why is transworld trying to collect on a debt, which I shouldn't have. This is so unfair to me. I ensured my XXXX XXXX covered the tolls, and I ensured that I had money on it. Now I was sent to a debt collector who isn't willing to just collect the toll, but wants an additional {$700.00}. I'm being ripped off big time.
Consumer complaint received 2021-10-20
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. (TX)

There is two collection accounts from XXXX XXXX that is being reported to my credit file from XXXX, XXXX, and TransUnion and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (CA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. 
I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b ) I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-09-04
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 had an account with XXXX XXXX XXXX that's reflecting a 30 day late payment status on a account I have never been late. It also reflects the 30 day late payment status despite the account has been paid and closed for quite some time. 

The historical payment history does not reflect what month and year this alleged late payment took place so it makes it challenging to be more specific but I do know I was set up on auto payment for the account during the duration of the account. I wrote the credit bureau back on XX/XX/2021 and as of today I have not received any mail or electronic mail in regards to my dispute as a result I am writing a complaint with your company. 

To support my claim if you go on the XXXX XXXX XXXX website this company only has unanswered claims and does not have their contact information on my credit report.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

My identity has been stolen. I live in XXXX for 8 + years. Before that I lived in XXXX. I have own a home in XXXX XXXX XXXX till XX/XX/2021 and paid all utilities mortgage insurance etc there. Now I live in XXXX XXXX. I have never lived or visited the state of XXXX. Unbeknown to me someone has open utilities in XXXX on my name. Transfer money for them at XXXX XXXX from my XXXX XXXX XXXX account. XXXX dollars using a phone transaction. Someone applied for unemployment in XXXX in my name. Thank God is was denied. I received the denial letter. XXXX XXXX  thru XXXX and XXXX XXXX collections XXXX. XXXX XXXX thru XXXX XXXX XXXX XXXX. XXXX XXXX XXXX retail XXXX. XXXX XXXX thru online information XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX XXXX thru trans world systems XXXX. XXXX XXXX XXXX thru XXXX XXXX XXXX XXXX. This are utilities open in XXXX using my identity to open them. When I went to buy a car this year during summer I found out my credit was bad. I then had to put down XXXX to get a better payment. Since my credit was bad.
Consumer complaint received 2021-11-26
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

i mailed on XX/XX/XXXX dispute letter. 

i did not have a reply until XX/XX/XXXX and they only asked for i.d or proof of identity, which i did send.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (PA)

I contacted Sunrise Credit Services to report a fraudulent credit charge/collection I noticed posted on my credit report. Sunrise Services gave me the company name and account numbers that originated this fraudulent charge that sent it into collections. I contacted this company called XXXX and gave them the account numbers Sunrise had supplied me with, and informed them that I did not make any purchases with their company. I was told I needed to send them a copy of my driver 's license and my social security number. I did not want to send this information to a company I am not familiar with and had given credit to another person using a different name and address but using my stolen SS #. Maybe this company was in on the identity theft/fraud?
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (SC)

I sent several letters to XXXX XXXX, XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Covid-19 Happened. We lost the financial means that would allow us to make our mortgage payments. We called our mortgage servicer numerous times with 2-4 hr hold times only to be transferred to another line to hold for another 2 hrs and have the rep pick up and get disconnected. We did this process many times with the same exact result. Additionally, we left messages for them to get back to us, we sent many emails as well with no reply. We also, as instructed by their website and those who did answer the phones, went to the " XXXX  XXXX  XXXX  '' link with the intent to fill out the form they say must be done BEFORE they consider you and nothing was, nor still is, found at the link given forcing us to call back only to have the reps say, " that's strange, it should be there but let me transfer you '' ... .never ending cycle. 

On there suggestion, we tried multiple browsers, XXXX XXXX, XXXX, XXXX, XXXX, and on multiple computers and at different times of the day and night to no avail. We were forced to use the limited funds we have for food and emergencies during this time to pay for XXXX because on their Covid-19 website they state the following : " Customers should not stop making mortgage payments until they have been approved for an alternate plan ''. We can not do this again. We are only trying to receive the help that has been set up by the Federal Government during this time. No one reaches out, no one cares.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received 2 certified letters from Huntington Bank telling me that my accounts were being closed down. They didn't provided a reason. I went into a branch, they did not provide a reason and referred me to customer service. Customer service would not provide me a reason. 

I think it unjust to just close down someone's account without an explanation. I feel like I'm being made out to be a drug lord who launders money or something to that effect. I don't appreciate all the work that's now created for me, time and energy that would have been best spent elsewhere but now I have to deal with getting a new bank account and changing all my auto pays over. 

In short : I find this whole process very unprofessional and it's one thing from a mom and pop shop down the road, it's another for a huge bank.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (NC)

I have a 2nd job to pay my bills and due to the COVID 19 my income has been drastically reduced. I am asking for a deferred payment to the back of the loan. the servicer flagship cr acceptance is wanting to charge me during the non pay of interest. this is highway robbery. taking advantage of the situation. I am so upset right now. I can barely think.
Consumer complaint received 2024-03-18
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. (CA)

You deleted 5 XXXX credit cards and added them back and deleted 1XX/XX/XXXXXXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXXXX/XX/XXXXXXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXXXX/XX/XXXXand XXXX XX/XX/XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All ofXX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXXcredit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, andXX/XX/XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent several letters to XXXX XXXX, XXXX, XXXX and Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Consumer complaint received 2020-04-10
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, I received an alert notification concerning an inquiry that was made to access my XXXX  and XXXX  credit file. Thanks to having a lock on my XXXX  file access was denied. However I had no lock or freeze on my XXXX  file. As a result an inquiry now appears from SYNB Travel/Entertainment requested on XX/XX/2020. I have not requested any form of credit within the past 90 days or more nor have I given permission for any institution to receive my credit file in the past 90 days or more. 

I attempted to contact SYNCB using the phone number XXXX XXXX XXXX XXXX on XX/XX/2020. XXXX informed my that they work with many companies and unless I am able to provide them with which specific company requested my file through them they would not be able to assist me. 

I contacted XXXX dispute department on XX/XX/2020. According to XXXX  it is against their policy to file a dispute for hard inquiry. Furthermore to have this dispute removed I would need to contact the creditor and have them provide a letter from the creditor to have the inquiry removed. This letter should be sent to XXXX dispute department. Moreover XXXX  informed me that they do not have any further information as to the specific company outside of SYNCB that requested to view my file. 

Despite contacting both XXXX  and SYNCB I have been unsuccessful in trying to find out what company requested my credit file and have this inquiry removed that I did not authorize.
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (GA)

LENDING CLUB IS IN VIOLATION OF THE LAW OUTLINED BELOW : The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 

Lending Club offered a payment arrangement on XXXX. They had always offered a 15 day grace period, and I was very happy about that because I had received my first paycheck from my new job. I left the workforce pre-covid making $ XXXX/yr and re-entered on a Contract assignment the first week of XXXX making $ XXXX/yr. 

I made XXXX XXXX payment. A week after my new job started my elderly father caught Covid. So in XXXX, my entire world was upside down and any Bill that wasn't on autopay slipped through the cracks. I was totally overwhelmed. 

I called Lending Club and explained that it was an oversight due to my circumstances. 
My plea fell on deaf ears. They did not care, even after I immediately made the payment at the beginning of XXXX ( see attached ). Keep in mind that when I made XXXX XXXX payment in XXXX, the payment was not 30 days late. 

Then when I logged in to make XXXX XXXX payment on the XXXX, the account showed that I was approaching 60 days past due and that I owed {$780.00}! 

I was able to borrow the money from I relative because I did not want my credit ruined. 

I had no idea that they started reporting my account late in XX/XX/2020! 

Please make them follow the law and remove all 4 late payments from my credit report, I would also like to know how that {$780.00} was applied. I was on a Forbearance plan, and the law states that I wasn't supposed to incur penalties, late fees, or interest during this time.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AK)

I sent {$440.00} through PayPal to a friend and she never received it. I first thought that she didnt have PayPal but had Venmo but the PayPal agent said she did have an account and that she could see the transaction. We checked my friends PayPal account and there were no transactions listed. My bank did show the transfer out of my account on XX/XX/year>.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (NC)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX  ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX