davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.
Consumer complaint received 2024-03-14
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. (IL)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX. Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX  late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.
Consumer complaint received 2019-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

Hello, I have recently received information from Navient about the terms of my last agreement with repayment. This is ONLY after they sold my debt to a collection agency. I have been requesting this information in WRITING for the last 4 years, multiple times and have submitted multiple complaints with the CFPB about this topic and never received WRITTEN proof of the program I was on. While I was on the program I logged into the Navient website and found no confirmation my interest rate was lowered to the .001 % interest rate promised, and from what I saw on the website the payments I made were less than what was owed and I was late Several thousand dollars. I also noted that though I had paid on time for over a year my debt owed had actually gone up, which seems odd for a repayment plan. I was also told at the very beginning almost 4 years ago, that this plan would PREVENT me from defaulting on my loan and I didnt find out till 3 years after that I was defaulted the entire time and the only way out was to pay the loan in full, which was impossible at the rate I was going as my payments were not lowering my amount owed even after 3 1/2 years of paying {$250.00} a month. I Can not consolidate this loan because no lender will recognize my school, and Sallie Mae/ Navient at no point ever offered me a consolation loan or an opportunity to do anything with this loan other than pay the 12 % interest rate. My original amount owed was {$34000.00} I accrued 15 % interest while in school and now owe over {$56000.00} despite paying over $ 17,000+ over the last 13 years. Sallie Mae/Navient has never given me a repayment solution that actually benefited me, everything they did just added more and more to my debt owed. Im totally financially crippled because of this and cant buy a home or car or even take out credit cards, I even have to over pay on deposits to rent an apartment even because my credit score is so negativly affected. Theyve gone as far as calling my work and my XXXX year old grandma when Im even a little late on a payment and told my grandmother that my mom was going to lose her house if I didnt pay. When they called me at work I told them not to call me there and hung up, only to have them call back SEVERAL times and even tell me they knew I was getting married soon ( never disclosed so they must have learned that from my coworker ) and that maybe I should marry a rich man instead.. this company has been a thorn in my side for over a decade and I would just like to move on with my life..
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows :
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Performance Management, LLC (NC)

I received an email from Receivables Performance Management (XXXX) dated XX/XX/2019 and what looks to be a notice about an account which includes a link to access a secure message.  When I clicked on the message, it is an attempt to collect a debt on behalf of a creditor.  The email did not contain any information or indication that they are a debt collector and they did not provide the following information:(1) whether they are permitted (with a known permit number) to collect debt in the state  of North Carolina of which I am a resident(2) they did not identify themselves as a debt collector(3) they did not identify the creditor of the debtI am attaching a screenshot of the email that I received as reference.
Consumer complaint received 2019-01-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I am paying my mortgage for 10 years. The mortgage is for 25 years. But even after 10 years my principal is still XXXX and interest is XXXX. Moreover I have been charged unreasonable late charges of {$900.00} for each occurrence. I am senior citizen and feel like I am ripped off. This is my life time investment and after 10 years of payments I left with almost same outstanding principle. Please investigate. 
Name of mortgage company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel : XXXX Re : XXXX XXXX XXXX XXXX Loan Customer:XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MA)

On Thursday XX/XX/XXXX I received a call from an unknown number which I ignored. Moments later I received a call from my son stating that he just got a call. When he answered the phone, the man said " Is this XXXX XXXX, Social Security number XXXX  ( actually reading off his social ) my son said yes, now who the XXXX is this. The man asked if he knew me. My son said yes, what is this about?. The man said " She knows what this is about. Have her call XXXX extension XXXX. He then hung up on my son. I then called this number and asked this person who he was and explained that what he did is illegal. He stated " no its not. Just wait for your papers in the mail. '' The company is XXXX XXXX of XXXX NH, hired by Midland Credit Managment. I have a job that requires clearance. This company calling relatives and rattling off social security numbers without knowing who they are speaking with is a breach. Can someone please educate them. Thank you.
Consumer complaint received 2019-01-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (NJ)

Paramount Recovery has reported to XXXX a negative collection account and want it removed immediately. This is not me and never been to XXXX XXXX XXXX.. This collection has damaged my score and is not even me please remove ASAP thank you
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

account name : missionlntab account # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate XXXX no payment history ( transunion only ) these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting XXXX are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau imposs the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.
Consumer complaint received 2024-03-14
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. (NC)

I am writing to dispute an unauthorized open loan appearing on my credit report. The account in question is listed as XXXX with a balance of {$17000.00}. I have no knowledge of this account, and I did not authorize its opening. Therefore, I request that you investigate this matter and remove the account from my credit report as it is inaccurately reported.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-07-22
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. (FL)

In accordance with the the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish a account withought my written instructions.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Payment was made on XX/XX/XXXX for payment date of XX/XX/XXXX since the system instructed me that paying on XX/XX/XXXX would post to the current statement and I was paying for the following month ( XXXX ). Upon payment processing I receive a statement notice that minimum monthly payment is due for XXXX ( which I just paid ). I called Capital One and was transferred to the XXXX XXXX department as for some reason my account as always been flagged for fraud and I have had to prove my identity XXXX XXXX to open the account and then each time I used the card was instructed to send documentation to prove my identity, so I cancelled the card. In speaking with the first rep, she kept placing me on hold and once she got back to me told me they were unable to move the payment and I can request a refund. I tried to request a refund but then told me I had to do that through my bank ( my bank would not refund me money they do not have???? ) I asked to speak to her supervisor and she transferred me. Was placed on hold by that supervisor and was then told because my account is closed they were denying any refund, and unable to move my payment. I then asked to have XXXX 's payment waived. I was denied that request too. I provided XXXX options to correct the issue that had their system not told me my adjusted payment day would still post to the previous billing cycle, I would have moved it myself. I asked to speak to the next supervisor and my request was denied. She told me they do not take calls but she was not refusing my request.
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO. (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX XXXX it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XXXX-XXXX. Two are  XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XXXX and then in XX/XX/XXXX. One or more other lender ( XXXX ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-03-14
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. (CA)

In accordance with fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  However , they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

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 they person knows or has reasonable cause to believe that the information in inaccurate
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-04
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: Self Financial Inc. (LA)

I have file a complaint serveral disputes with Self/Lead Bank , Self/Lead Bankhas fail to comply under the FCRA they have fail to delete transactions and experiences between XXXX XXXX and Self/Lead Bank XXXX The F.C.R.A. Specifically said XXXX USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 the term Consumer report does not include transactions and experiences. ( # XXXX XX/XX/XXXX XXXX XXXX days ). Self/Lead has repeatedly reported transactions and experiences here is the list of transactions and experiences that they listed. According to your XXXX according to your F.C.R.A. transactions and experiences or not included on the consumer report. This a formal complaint for and F.C.R.A. Violations by XXXX XXXX for this Person.