davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (CA)

I have been contacting Transunion along with providing proof of debt payoff but Transunion is not correcting the credit report at their ends. Transunion is report XXXX debt collection 1 is from CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with balance of {$21000.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$21000.00} whereas I have proof that shows the account is now with XXXX XXXX XXXX does not conduct servicing or debt collection activities. So, you'll need to contact XXXX XXXX  to talk about the status of your loan. You can reach them at ( XXXX ) XXXX. Best Regards, XXXX XXXX. I have settled debt with XXXX and requesting Tansunion to remove both negative balance from my credit report which Transunion is not agreeing with.
Consumer complaint received 2020-12-28
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: Phoenix Financial Services LLC (OH)

On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Action to be taken : If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act.

Please note that withholding the information you received from any medical provider is an attempt to be HIPAA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA complaint.
Consumer complaint received 2022-02-23
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. (PA)

On XXXX XXXX I received notification that XXXX XXXX XXXX XXXX  XXXX  XXXX placed a debt on my credit account for the amount of {$530.00}. I reached out to both my insurance provider and the credit reporting agencys to notify them that this was invalid because my insurance was active at the time. They said they would confirm with the XXXX, the Insurance company reached out and said they sent over documentation that this was false information. It has now been well over 3 months and this is still placed on my credit. 

I never authorized for this to be placed on my credit report.
Consumer complaint received 2022-02-23
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

-XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXI- XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX- XX/XX/XXXX -XXXX XXXX XXXX- XX/XX/XXXX -XXXX- XX/XX/XXXX -XXXX- XXXX XXXX -XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2023 at XXXX I was issued XXXX $ from XXXX company called XXXX  as a payout through PayPal. 2 years ago they did exact same thing and I just gave up because PayPal is too ashamed I suppose to want to talk to you in person. They keep taking the money this company XXXX  sends me. I seen the receipt and I have pictures. They sent the payment twice. XXXX sent it twice. XXXX said PayPal should instantaneously put it in the account. My husband has had similar problems with PayPal not telling never telling you your money is deposited and never putting funds in my account so far Ive been taken for exactly XXXX XXXX XXXX $ of it is the complaint Im filing because PayPal is notorious for money in which disappearing after working hard. They say we have no record. My husband has had same problem which he was given his money from XXXX. I seen the receipt the first and second time ivuet sent the money XXXX XXXX  is not the culprit because its other payouts too. I had them send it XXXX on XXXX XXXX and today it was reset after I reached out to the company XXXX and PayPal claims all three times the money doesnt exits. This is norm And I want accountability and I want my money that I worked for and the errors with payouts. If they are even rrrors needs to be investigated and people need reimbursement for whats theyre and not PayPals to keep.
Consumer complaint received 2020-12-28
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: JPMORGAN CHASE & CO. (NY)

In XXXX, I applied for a credit card with Chase. On XXXX XXXX, they ran a hard inquiry on XXXX. They asked for a copy of my SSN card, which I provided ( twice ) and confirmed with them that they had received. Today, XX/XX/XXXX they ran an unauthorized hard inquiry on XXXX. I did not apply for a second card, I did not authorize the inquiry. I have been trying to get customer support, but they keep bouncing my call, saying they don't have access, there's no manager available to help etc. Chase has to remove this unauthorized inquiry that affects my credit score. Otherwise, I will pursue all legal options.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022, INQUIRY - XX/XX/2022
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Recovery Systems (MO)

I received a series of calls starting at XXXX and another at XXXX XXXX and then again at XXXX XXXX, on XX/XX/XXXX. A man named XXXX XXXX, with CRS and Associates claimed to have filed a bounced check claim from XX/XX/XXXX in the amount of {$710.00} with my county sheriff 's department. He called my wife, my sister, and also my place of employment and threatened to contact my immediate supervisor. I told him that I did not want him contacting anyone but me in regards to personal matters, and he dismissed that by saying it was his right to try anything necessary to collect the debt. He offered to settle this " out of court '' and I told him I was not interested in committing to anything until I had the necessary info on the debt. He more or less stated that he would see me in court. 

My place of employment is small, and I am a senior manager. Calls like this can affect my position within the company specifically as it pertains to handling financial decisions, which is part of my responsibility.
Consumer complaint received 2020-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contact Equifax several times. 
I have now found out that this collection account. has been added to my account twice The account name is XXXX XXXX XXXX
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I 'm complaining against transunion for their failure to correct my credit report when I have proven to them that they are reporting this public record inaccurately. I am including my letter to them as well as the credit report - page XXXX shows the public records section : RECORDER OF DEEDS XXXX I 'm including the proof that you have the wrong reference # on this account as well as the wrong filing date. I did not receive the requested documentation that proves that you have this account reporting correctly.
Consumer complaint received 2019-12-11
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. (MI)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The bank sent me a new credit card after the old one had expired. The new credit card had been issued with a new number and new expiration date. I did not activate the new card and I was under the assumption that by NOT activating the new card it would not be charged with any recurring charges. I never authorized recurring charges on the new card. Somehow the un-activated new card was being used for recurring charges on this account. I previously received monthly paper statements in the mail however when the new card was issued the mailing address was printed incorrectly so I never received the new statements. I never became aware that this account was ( 1 ) being charged, and ( 2 ) that there were late payments being reported until I obtained a copy of my credit report. After this discovery, I immediately called the bank and paid the account off. There is no outstanding balance due on this account and this account needs to report a {$0.00} balance. Because the late payments that are being reported is through no fault of my own, I request these be removed immediately. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express member since 1983, I have a XXXX American Express XXXX XXXX ( for which I pay a stunning {$5000.00} in and I have spent more than {$3.00} million on the card in the past few years- I had thought I was a good customer. I even have a dedicated line ( XXXX XXXX XXXX ) which is supposed to reach my " XXXX XXXX XXXX. '' I called this evening ( XX/XX/XXXX ) at XXXX XXXX and was on hold for 21 minutes before the phone went dead. In short, it is impossible to reach " dedicated '' customer service
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (MA)

I returned the leased car on XX/XX/XXXX to GM financial. In XXXX I received a letter stating that I owed {$1100.00} for excess wear and tear, ending lease fee, etc. I called GM Financial and they agreed to give me a discount so that I now owed {$910.00}. I was told that they would be sending out a new bill with the NEW amount owed on it. A few days later I received a letter saying that I owed the same amount. I tried to call back, but could not get through to anyone. 

Then at the beginning of XXXX, I got an alert on my credit report that I was reported to be 30 day late on a payment to GM Financial. I immediately called and they told me that when I called in XXXX, they " verbally '' told me that they couldn't send out a bill with the corrected amount on it, which they never said. Before I hung up, I paid the balance. I am not worried about the payment I had to make, I am concerned with my credit score losing 80 points because of their lack of communication. 

I tried to explain to the manager that I am a loyal customer of 4 years. I've had two cars leased through GM Financial and STILL have a lease and a loan with them. I have never missed a single payment. I want the 30 day late payment taken off my report and they kept telling me they couldn't do anything about it. Please help.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  that I am ( 30 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached for reference the Forbearance Agreement dated XX/XX/2020 along with the Forbearance Letter confirming the forbearance was granted dated XX/XX/2020. This letter specifically states the following - you are not required to make any payments during the forbearance. The three bureaus are reporting the lates in error and it is seriously harming my credit score. These line items need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2019-12-11
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. (LA)

This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (KY)

While receiving the child tax credit my bank NAVY FEDERAL CREDIT UNION " decided to cover my over draft for a few months before actually informing me. 
Once I had hot XXXX $ in over drafts they covered they explained to me it was a bank credit because they lawfully had to XXXX XXXX 100 % access to my tax credit of XXXX each month. 
Why they didn't just put the money in my savings account is beyond me. 
ANY WAY the bank calls or texts me about everything ... not this time they had sent a email a month prior saying I had to set up a payment arrangement that I didn't get receive I didn't know anything about this And it was never mentioned on my banking app or anytime I. Called so they decide to increase .my over draft limit from XXXX $ to XXXX  $ with out informing me at all and kept my entire paycheck. 
They said legally it's not a garnishment because they were over drafts that they added up for XXXX months and then allowed that over draft to go through. 
The maximum. I've ever been able to use of a over draft at nfcu has been XXXX XXXX 
So I asked to set a payment arrangement up explained I had been off work for a week do to covid and that I had bills due like rent and I needed money to get back XXXX forth to work with I was told absolutely not my account was still active they were keeping what was owed
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2022-02-18
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)

XXXX, Equifax and XXXX are all reporting inaccurate information regarding XXXX accounts in collection on my credit report. XXXX XXXX XXXX Account XXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted All three credit bureaus regarding miss information on my credit report someone has tampered into my credit report and change my information including my name my last name date of birth address is in Social Security numbers. Having a copy of my credit report from four years ago and none of this information was on my credit report this is been recently done and I believe I know who is involved. I have put a freeze on my credit report and it seems to be unlocked several times and I have locked it again. Someone is repeatedly putting several addresses changing the names the numbers on my credit report and Ive asked a credit with bureau by certified mail to change my information to the correct information including my name date of birth social security number and phone numbers including my address. This is fraud and unacceptable
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (GA)

This is NOT a duplicate complaint. This is a NEW  complaint. I provided evidence of my residence from years XXXX-XXXX, as requested by Ms. XXXX. Ms. XXXX  in formed me the matter would be resolved within 24 hrs. As of the date of this complaint Ms. XXXX  refuse to recognize my complaint nor communicate with me regarding this Fraudulent debt. Please contact Ms XXXX  on my behalf. ProCollect is willfully ignoring the evidence I provided as they requested and received.
Consumer complaint received 2023-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I want to emphasize that I have always strived to comply with PayPal 's policies and guidelines. To the best of my knowledge and understanding, I have not engaged in any activities that would warrant such a severe action against my account. I have consistently used PayPal for various transactions, both personal and business-related, without any prior issues. 

I kindly request that PayPal re-investigate my case thoroughly and provide me with an opportunity to address any concerns or issues that XXXX have led to this limitation. If I have inadvertently violated any policies, I am eager to rectify the situation and ensure that my account is in full compliance with PayPal 's terms. 

Having used PayPal as a trusted payment platform for a considerable period, I rely on it for various financial transactions. The permanent limitation on my account has created significant inconvenience and disruption to my personal and business activities. 

I kindly request that PayPal 's review team carefully assess my account and consider reinstating it if no clear violations of PayPal 's policies are found. I understand the importance of security and compliance, and I am committed to working with PayPal to resolve any issues promptly. 

I appreciate your attention to this matter and kindly request that you respond to this appeal as soon as possible. Restoring my PayPal account would greatly alleviate the challenges I am currently facing. 

Thank you for your time and consideration.