davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
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. (NC)

I have paid off several debts on my credit they have not been removed, old information keeps appearing. I will post a copy of my credit report with receipts showing that they where paid in full yet they keep appearing Paid in full yet won't remove XXXX XXXX All federal student loans XXXX paid in full XXXX XXXX XXXX XXXX XXXX XXXX loans paid in full founder 's federal credit XXXX paid in full through 3 part  collections XXXX My public health information keeps appearing which I paid yet is also a violation to my hippa rights this needs to be removed
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (GA)

The company sent a letter stating they were stopping all collections on this account and it has been deleted from XXXX and XXXX but experian will not delete the account falter submission of the letter from the creditor and proof that it has been deleted from the other credit bureaus. Also submitted proof that other collections accounts have been deleted from my XXXX and XXXX reports but experian still has them on my report which is keeping my score 50+ points below what the other reporting agencies have. Ive submitted this prof in a dispute To experian and theres still no Change
Consumer complaint received 2022-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (ID)

XX/XX/XXXX - A fraudulent charge of {$20.00} appears on my account titled XXXX  used with my debit card. I do not notice this charge until two days later because my bank, JP MORGAN CHASE did not inform me of the suspicious charge. 

Early Morning XX/XX/XXXX - A second fraudulent charge of {$20.00} appears on my account titled XXXX OF XXXX used with my card. I do not notice this charge until the next day because my bank, yet again, did not inform me of the suspicious charge XX/XX/XXXX - I notice the charges after logging into my bank account - I immediately contact the fraud team and have my card shut down and a claim opened. Funds are temporarily deposited into my account with the assurance that they would most likely not be overturned in the future. 

XX/XX/XXXX - The first {$20.00} claim was rejected and debited against my account without an explanation as to why. Claim ID XXXX
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NE)

On XX/XX/2020, I paid off my XXXX XXXX XXXX XXXX credit card issued by Comenity Bank ( {$1400.00} balance. Now, over a month later, Comenity still shows the last statement balance of {$1400.00}. I've asked them twice to report the paid off XXXX balance to the credit reporting firms. They declined to do so, stating that they only report once a month on the billing cycle. These cycles are 30 days long, so they should've reported the XXXX  balance already. Also, they still show that {$1400.00} balance on the account opening screen. You have to drill down to the Payments screen to find there's a XXXX balance on the account. 

I'm trying to refinance my mortgage ; Comenity 's failure to report a paid off account in a timely manner negatively impacts my credit score and impairs my ability to get a better interest rate.
Consumer complaint received 2021-07-06
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (NY)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$150.00}.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

The National Credit System has sent me several letters in regards to a collection of {$3800.00} that was sold to them by XXXX XXXX XXXX where I was previously renting. I had my legal representative XXXX XXXX from XXXX send a letter to the XXXX to get a Verification of Debt to validate the debt. XXXX did respond with that information. Moving forward my lawyer then sent another letter to the XXXX asking for a settlement offer which the XXXX has failed to respond to. In that letter it was stated that I would be able to settle for {$1600.00} with the exchange of a full release ( Paid to Delete ) XXXX has not responded back to my legal representative. It has been 18 business days with no response, failure to respond to a debt validation letter is a direct violation to my consumer rights. XXXX is now coming in between my personal life where I am unable to move forward and rent/purchase a home due to their lack of cooperativeness.
Consumer complaint received 2020-08-09
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: Bread Financial Holdings, Inc. (GA)

I have a loan with CB/VICSCRT and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and CB/VICSCRT and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NC)

I just pulled my credit report, it has several unknown accounts and companies I have never done business with such as XXXX /XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows different balances on 2 different credit reports I HAVE ATTACHED ALL 3 REPORTS WITH VARIOUS INFORMATION AND POLICE REPORT NUMBER FROM XXXX   NC POLICE DEPT XXXX YOU CAN CONTACT THEM I HAVEN'T BEEN GIVEN A PHYSICAL REPORT YET HOWEVER I WILL SUBMIT IT ASAP THIS HAS TO BE REMOVED FROM MY REPORT I CANT FIND PROPER HOUSING
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Transaction : XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} Transaction XX/XX/2020 {$12.00} Maintenance fee charged - ; Balance was over {$1500.00} According to the written policy set by the business, the customer is NOT supposed to be charged a {$12.00} maintenance fee when the account balance is {$1500.00} or larger. 

XXXX XXXX XXXX XXXX  Regulatory Complaints Bank of America XXXX, extension : XXXX XXXX- XXXX A complaint with XXXX XXXX XXXX was filed on XXXX Business retaliated by referring me to its debt collector. The debt collector XXXX XXXX never answers his phonecalls. I am playing phone tag because the delegated rep never answers his phone during his posted business hours. 

The business assigned a rep XXXX XXXX who NEVER answers his phone during his posted hours. I am being forced to play " phone tag. '' His phone is set on " Do not disturb '' mode. I have left more than 6 voicemails and 2 emails asking the business to reverse the {$12.00} maintenance fee posted on XX/XX/2020 on my account. I do NOT know why the business rep Mr. XXXX keeps leaving voicemail when I am very busy. He just needs to look at my account and he will see the maintenance that was charged in error. My balance was over {$1500.00}. I presented the documents proving the error to the Attorney General and the XXXX XXXX XXXX Yet the business will NOT correct the error and still has Mr. XXXX leave voicemails when I am very busy. When I phone him, his phone is on DO NOT DISTURB mode. Why do I have to keep playing phone tag with the business? I am asking for assistance because I can not afford to play more phone tag with the business. 




Filed against : Bank of America Complaint Description : Business charged me fees. My balance was over {$1500.00}, which means the BOTH {$12.00} maintenance fees should have been waived. 

Your Desired Resolution : Business must refund {$12.00} to reverse the erroneous fee charged on XX/XX/2020 and stop charging maintenance fees.Business must follow its own written policies. Business needs to resolve the situation with a qualified rep who answers his phone during his working hours.
Consumer complaint received 2022-09-15
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. (MI)

XXXX, EXPERIAN and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, EXPERIAN and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, EXPERIAN and XXXX to report any information and Consumer did not authorize anyone employed at XXXX, EXPERIAN and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, EXPERIAN and XXXX and have been railroaded by XXXX, EXPERIAN and XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, EXPERIAN and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, EXPERIAN and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, EXPERIAN and XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.
Consumer complaint received 2020-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX, brought a large item for {$400.00} on XXXX and paid for it through PayPal from a new Seller that goes by the name XXXX. 

Since it was an expensive item, did watch it very closely. By doing so, the first 10 days, there were no activity on the tracking number provided so I email the Seller via XXXX to let them know as they did not know about it nor did they not keep track of the item themselves. They just so called shipped the item and did not track it at all like I did so they were surprise that there was no activity for the first 10 days. 

They did respond back to me and stated that they will look into it. When they did, all of a sudden, the tracking information on the item stated it was delivered when it was not not to me anyway, do not know where it went nor do not know where it was delivered to because it did not come to me. I said to myself, oh - I was swindle - scam. 

So I filed a complaint with both XXXX and PayPal ; whom I pay for the item with, that I never received the item but they went by the final tracking information stating it was deliver to my residence. I approached the carrier about this and they told me that they have not delivered anything huge to me since residing at my address of residence. 

So XXXX and PayPal decided in favor of this new Seller without any investigation and they stated since it said it was delivered, they denied my appeal. XXXX did recommend that I contact my credit card company and/or financial institution and file a dispute in which I did. 

Luckily, did receive a full refund from my Financial Institution as they grab the money back from PayPal. Now PayPal is harassing me for the {$400.00} now to pay it back.
Consumer complaint received 2024-02-26
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. (MA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-08-09
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. (NJ)

As of yesterday,XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my Transunion score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My XXXX dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both XXXX and Transunion show an increase in balance to my student loans due to interest. These reports came from XXXX who holds my XXXX Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with XXXX or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to XXXX XXXX inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : Transunion has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. XXXX has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with XXXX. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Account is still being reported as Past due with collections and charged off-closed with all three credit bureaus, when this account is not in collections or charged off. Ive asked the company to supply numbers of time the amount that they are trying to collect if my account is in fact in collections and Im being told that you have received my monthly payments. This company is illegally tagging my account has collections when Ive not received on collections call because the account has had one time auto draft payments since the beginning of the year.
Consumer complaint received 2020-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (PA)

Last week I used the XXXX XXXX where attorneys help with financial obligations and such during this pandemic. Well they sent a few letters on my behalf to ally bank and ally closed my accounts! I have a check from a matured certificate deposit account I can not cash now
Consumer complaint received 2023-05-28
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. (FL)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2020-08-09
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: Experian Information Solutions Inc. (TX)

I would like to file a major complaint with Experian although some of us if not all of us know that the big lenders paid these credit bureaus to put anything and all negative items on one 's credit I inform EXperian along with XXXX  XXXX that I was not aware of opening up this account, to send the original documentation of this account being open both companies failed to do so and continue to place this on my credit, and ignored my request. 
And if this is my account how is it that XXXX XXXX was able to deem a negative reporting doing a pandemic when i explain that i was affected finacnlly by covid-19 again because Experian is paid by a big big multi million-dollar company has not been fair to me and others nor has XXXX XXXX .... 



Experian and XXXX XXXX is not following the CFPB Issues Credit Reporting Guidance During COVID-19 Pandemic
Consumer complaint received 2020-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

Proof of validation was sent out to rmp llc and XXXX XXXX XXXX I believe they are in violation of HIPAA PRIVACY ACT releasing my medical records to a third party agency I request for proof by sending me the HIPAA release form No reply back
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (GA)

Account is still being reported as Past due with collections and charged off-closed with all three credit bureaus, when this account is not in collections or charged off. Ive asked the company to supply numbers of time the amount that they are trying to collect if my account is in fact in collections and Im being told that you have received my monthly payments. This company is illegally tagging my account has collections when Ive not received on collections call because the account has had one time auto draft payments since the beginning of the year.
Consumer complaint received 2020-06-17
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. (NY)

On XX/XX/2020 I sent out a personal information dispute letter to Experian. They have information that isn't accurate and I sent a certified letter to Experian detailing this information. They received my documents on XX/XX/2020. They haven't removed the addresses stated in the paperwork. The haven't removed the names stated in the paperwork either. I was hoping they could resolve the issue but it wasn't resolved.