davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-30
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)

These are not my accounts they do not belong to me tney are not mine and I will not be responsible for this!!!! 

XXXX  XXXX - Accounts # XXXX XXXX {$1000.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Account # XXXX {$0.00} Opened XX/XX/XXXX INQUIRIES Creditor Name : XXXX XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2023-03-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX | XXXX XXXX Account XXXX XXXX Creditor Name : XXXX XXXX XXXX Creditor Account XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AZ)

I was into a car accident back on XX/XX/2020. My finance company Ally Financial was paid by my insurance company and the gap company. On XX/XX/XXXX of 2020 I spoke to a agent at Ally Financial stating that once the gap payment was received they would XXXX  out the remaining balance, I asked the individual multiple times during this recorded conversation if he could guarantee me this, he stated yes and that I would be able to receive a paid in full letter by the end of the week. On XX/XX/XXXX I called in being there was still reflecting a balance on the account even though the Gap claims payment was applied. I made a complaint with the escalations department and was told they needed to look into the matter and needed two days. On XX/XX/XXXX of 2020 I received a call from Ally 's escalation department and was told it will take them two days to get the call to be able to review this. Today is XX/XX/2020 and I called Ally to follow up on the matter for the complaint that I made about being told the balance would be XXXX  out. I am being told there is a remaining balance of {$650.00} and some change. Ally records all of there calls so there is a recording backing my conversation that took place on XX/XX/XXXX of 2020. I called Ally Financial at XXXX from phone number XXXX.
Consumer complaint received 2024-03-22
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

I filed complaint XXXX. 

Please read and do not close the account because Shellpoint says anything. 

I made the trial payments according to the statements sent to me by Shellpoint. Shellpoint sent statements with different trial payment amounts. I paid those amounts and asked for clarification. Shellpoint refused to provide clarification. So, I paid the difference in trial payment three.

Now, because Shellpoint sent different statements with different amounts, Shellpoint is claiming that I violated the trial payment for paying the statements that they sent. XXXX XXXX did not provide clarification during the trial plan that Shellpoint made an error in its statements for nearly 60 days. 

Shellpoint did not clarify their error in bad faith. Yet, I paid more than the Shellpoint statements required and Shellpoint is using my good faith to deny the permanent modification for the trial plan that I completed. 

Yes, I said that I could not afford the modification without the American Rescue Plan. But, Shellpoint did not provide all the options that are available to me given my completed modification application. Since I have a hardship related to Covid, which I asked for XXXX XXXX, XXXX, I should be able to get the permanent modification to start on XXXX XXXX, XXXX. 

I fulfilled the terms of the trial statements sent to me. This is pure harassment for XXXX XXXX, not to answer and provide clarification for nearly 60 days and then use Shellpoints lack of transparency to claim the offer was revoked in their XX/XX/XXXX response to the Consumer Financial Protection Bureau. 

I do not have an outstanding escrow balance is incorrect. Shellpoint owes me {$270.00} for the advance XXXX gave to Ditech. I have proof that the account is owed the money if Shellpoint wants to continue harassing me with inaccurate statements. 

In XXXX of XXXX, I also asked for a forbearance and trial payment. Please please someone help me because I paid the Shellpoint trial payment statements. So, I did not violate the the trial modification. Shellpoint did with the inconsistent statements regarding the trial payment amount. I thought the corrected the inaccurate 20 % they were using for streamlined modification. However, their actions merely served to create confusion to find a reason to deny the modification. When I paid the difference after XXXX XXXX, did not respond, Shellpoint tried to act as if I did not pay the third trial payment and would not deposit the check. Since I provided CFPB copies of the check and certified mail receipts, now Shellpoint is claiming that I the modification was revoked. Shellpoint made no notification of a revokation prior to inserting it in the response to CFPB on XX/XX/XXXX. They should not be allowed to revoke me completed trial modification for their sending differing statements.
Consumer complaint received 2021-06-30
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. (IL)

I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.
Consumer complaint received 2021-06-30
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. (TX)

I reviewed copy of my current credit report and show incomplete or inaccurate information listed. The creditor XXXX XXXX XXXX account number XXXX is show this alleged account paid as agreed. This creditor advised that due to payment received succesfully that creditor agree to delete this account. This was a payment received as pay for delete. This is not a dispute by a request for removal due to pay for delete. Please delete this account as creditor has agree to do so.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

XXXX XXXX XXXX XXXX XXXX. 
Fed-loan servicing They mentioned my debt was {$27000.00} total loan they classified, when it was really {$24000.00} Mr. XXXX mentioned benefits will help with credit report. 
Mr. XXXX offered benefits to Prevent government from garnishments Make 4 payments of XXXX per month. First payment is XX/XX/XXXX. 
After those 4 payments were made, the rest of my debt would be granted. 
Original contact information : XXXX Representative / Account manager XXXX XXXX Manager ID # XXXX client care email : XXXX General Inquiry : XXXX Website : XXXX XXXX Cell That he texted me on was XXXX XXXX represented himself as a representative from the department of education. He had two separate companies that he was apparently working for. First was Fed-Loan Servicing, and second was XXXX XXXX XXXX. He would not give me any confirmation email about the status, and the details of our conversation until he received a method of payment. I received a code, and I provided it to him, and later I found out that the code gave him access to all of my financial aid benefits through FAFSA and XXXX. I'm afraid he has my banking information and social security number.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$110.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). 

XX/XX/XXXX XXXX : Account frozen and reported to Discover using the phone application ( business office ). Charges removed pending investigation. 


XX/XX/XXXX XXXX : Credit Card used for purchases in the amount of {$69.00} at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ). Card was denied due to account being frozen. 

XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX XXXX : Account reflected {$110.00} reapplied to my account. Reported to Discover disputed charges again. Charges removed pending investigation. 

XX/XX/XXXX : Account reflected {$110.00} reapplied to my account. Discover investigation showed that payments made to the account ( had balance on the account prior to this ), it was in a local area, and that I did not report until XX/XX/XXXX. Have messages of reporting dispute on XX/XX/XXXX, but Discover says it doesn't count because it was to the business office. Police Report filed, and spoke to XXXX which showed evidence that I did not make these purchases. Discover says they do not have to honor the {$50.00} liability because it is up to the company. 

Police Report through XXXX Police Department Forgery Department XXXX Case # XXXX
Consumer complaint received 2021-06-30
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. (MD)

I spoke directly with the consumer reporting agencies on XX/XX/XXXX & XX/XX/XXXX after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise. I gave mention of a previous FTC report filed # XXXX and the consumer reporting agency claimed they never received it. 

INQUIRIES : XXXX XXXX ( on XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Equifax ) Because the 'creditors ' received no expressed permission or consent, nor extension of credit from me, the original creditor, and refuse to abide by the laws set out in the Fair Credit Reporting Act, they are now criminally liable per 15 U.S. Code 1611. 

Per 15 U.S. Code 1681c2, the consumer reporting agencies must remove said inquiries in the next 4 days and criminally liable per 15 USC 1611 for denying my request for removal and not upholding the laws of the Fair Credit Reporting Act. 

15 U.S.C 1681 states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

An elaborate mechanism ( consumer reporting agencies ) has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Consumer reporting agencies have assumed ( assumed, meaning appointed themselves. They are not a government agency ) a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am submitting this complaint to hold these consumer reporting agencies accountable as my rights to privacy and my reputation as an original creditor and consumer is negatively impacted by these fraudulent inquiries. 

Per 15 U.S. Code 1681a, " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Inquires are a transaction and/or experience between a consumer and the person ( or organization ) making the report. Having these inquiries on my consumer report is a violation.
Consumer complaint received 2021-06-29
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. (FL)

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-XXXX XXXX XXXX XXXX XXXXopen date XX/XX/XXXX FRAUDULENT INQUIRIES 1XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXX, XXXX 3.XXXX date open-XXXX  XXXX XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4.XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1.XXXX XXXX
Consumer complaint received 2024-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I made a transaction through paypal for an XXXX  from my bank debit card in the amount of $ XXXXbut decided to cancel within the time frame given for a full refund by XXXX  on XX/XX/2024. According to Paypal a refund was issued back to my bank debit card on XX/XX/XXXX to my bank debit card. However, the bank has not received the refund of the {$540.00} back to my card. Ive called Paypal everyday starting on XX/XX/XXXX, and was told that they would do a transaction trace and that I would receive an email within 24 to 48 hours and still no email from Paypal has been received nor have I received my refund. 
As a XXXX  citizen this is causing undue financial hardship on my finances and I cant seem to get a resolution from Paypal. I feel like Im getting the run around with no resolution to my issue. The customer service number is very difficult to get to speak with someone in person and when you do they cant provide a satisfactory resolution to the problem.
Consumer complaint received 2024-03-22
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)

I sent a copy of the FTC report, and it has come to light that you are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following items listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (WV)

On XX/XX/XXXX a debit was made to my account in the amount of {$440.00} that I did not authorize I contacted the bank and they said it was made at XXXX in XXXX Wv. I contacted XXXX they said they had no record of that transaction I called the bank back and they temporarily refunded the money they did not tell me it was temporary and did not advise me they were sending a letter of dispute the letter came but looked like junk mail and I didnt realize who or where it was from on XX/XX/XXXX they took the money back out without any attempt to contact me causing over draft fees I spoke with them and they said to find the letter and fax it that was on the XXXX of XXXX that it was faxed I call every other day and get a run around nobody will talk to me if Im lucky enough to get a person they say its not there department and will have someone contact me but never do and I have left messages and dont receive email or call back all I want is the {$440.00} refund and the over draft fees I have received very poor customer service on this matter.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO. (CA)

Turn on transferred {$5000.00} to chase to open a bank account and as soon as the money hit the account and they closed it and I did everything that they asked to prove to them who I was because it was one covid it just hit and they suspended the funds after I called complaining that they were making money off of the money that they should have already sent me a new check needless to say they still tell me I'm not who I say I am and then I'm not getting my money
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Company has violated Family Educational Act of 1974, Privacy Act of 1974, USC 15 U.S. Code 6801 - Protection of nonpublic personal information, and 17 CFR 160.7