davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my XXXX the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Consumer complaint received 2022-03-15
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. (FL)

For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2023-10-18
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. (IL)

I was waiting for a package that never arrived. As I was still waiting for the package I received an email from usps to redeliver the package and update the address that was wrong. I licked on the link were it sent me to a usps looking like page where I put my address again and at the end it said it was going to charge me XXXX cents for the redeliver which I was fine with. I added my card and payed. I check my account to see if it went through and I did not see it post it. I then received an email from Chase saying that my card was added to XXXX pay which was an action I did not made. I thought it was an email about apply pay but I noticed too late. When I went back to my account I notice multiple pending transactions of XXXX dollars from different states. They were XXXX in total. I called Chase right away and the only thing they did was give me a new card and reactive my account with new username and password and gave me temporary credit. Then my claim was denied and credit was taken off. Now my account is on negative. Please help me, I lost XXXX dollars and Chase is not doing enough after I sent documents that were linked to the link of the scam.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX XXXXXXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Consumer complaint received 2023-10-19
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (OK)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
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 the victim of identity theft. There is an account on my credit report from XXXX XXXX XXXX XXXX that Transunion refuses to remove. My identity theft report was submitted to them repeatedly asking for removal of this collection account, and I let them know the account was opened fraudulently and not mine. After months of disputes it remains on my credit report.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF THE WEST (AZ)

XX/XX/2021 I received a letter stating I owed {$10000.00} as a cosigner on a XXXX loan for my son XXXX XXXX. He surrendered the vehicle without my knowledge or approval. In fact they claimed I was the sole owner and signer on the loan. If that were true nobody but me should have been able to surrender the vehicle. The amount they ended up reselling for was {$15000.00} less than the amount paid off and the blue book value of the vehicle. I was never given the opportunity to take over the payments and sell at a profit other than the exaggerated loss they claim. I started paying XXXX} per month to keep this issue out of collections while I contacted the federal agencies and now your agency. This is complete fraud on the part of my son and Bank of the West. They have so far refused to return the XXXX to me or remove me from obligation. I could easily sold it as a take over payments and even collected a cash amount over and above the amount they claim to have sold it for.
Consumer complaint received 2019-08-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

The original creditor XXXX XXXX XXXX XXXX told me the issue was resolved after I assured them I do not own a car and that my mom paid for insurance on a car she thought I was going to keep. She wanted me to have insurance so that I can purchase a tag. The original creditor still owes my mom {$130.00} for new policy. The title wasn't changed over to me after finding out the original owner wasn't truthful about the mileage on the car. I found out this information while visiting the Florida Department of Motor Vehicles. The affidavit wasn't signed. Months passed and now I'm getting credit collection services notices every month when I was trying to establish credit. This negative remark was falsely placed on my credit reports and need to be removed. I do not owe this debt. I never received notices from XXXX stating I owe this. The company name is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. My file number is XXXX XXXX XXXX. My Pin Number is XXXX
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ME)

I overpaid my first payment with Aidvantage on XX/XX/XXXX. I also set up auto-pay on their website. I received confirmation of both the payment being made and the auto pay being set up, however, a week later, I received an email that my payment was overdue. I logged into Aidvantage, and saw that somehow the payment had been reversed. The bank account numbers are all correct. I also saw that autopay was no longer set up. Now my credit score is being affected by their error. I have sat on the phone on hold for hours and never receive any custmer service. I feel trapped and deceived by a predatory company.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

Last year my son was very ill, it was around that time where I ended up in the emergency department at XXXX XXXX XXXX. When I was released, I went back to being inpatient with my son. I received a call sometime in 2020 about this bill from the collections agency. I had not received a bill from the hospital nor was I given the opportunity to work it out. 

At the time, they explained to me where the bill was from and that if I didn't pay the amount in full, it will be reported to the credit bureau. 

I had not seen the bill before and I was not in a position to pay the full amount in a short period of time. 

In XXXX my credit score dropped drastically, this was due to Credit Control Corporation reporting this bill to the bureau as they threatened me with and followed through. 

I called and explained I couldn't pay and said this was already in the bureau and nothing they could do and offered me a settlement which I couldn't do at the time. 

In XXXX they reported the same debt again, and most recently in XXXX, last week. This is very unfair and XXXX practice. When I spoke to them, they said " to pay as little as I could when I could and not to worry about the bureau as this had already been reported '' this was not true. Instead they have been reporting it to all credit bureaus each month, making my credit drop for over 80 points and putting at risk my financial stability and established obligations with other creditors. 

I ask to resolve this issue by Credit Control Corporation removing these reports that have been so damaging to me and my family ( last XXXX months ) and to stop reporting the same thing month over month. We are still battling with major illnesses and are willing to work something out when we are in a position to do so. However, under fcra and fdcpa I think the excessive reporting and contradicting information is a violation of my consumer rights.
Consumer complaint received 2022-03-15
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: Santander Consumer USA Holdings Inc. (GA)

Hello, my name is XXXX. i have been going back and forth with XXXX XXXX services as well as XXXX  Regarding unauthorized inquiries and accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX both stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : XXXX  XXXX XXXX on both XXXX and XXXX as well as Santander Consumer USA on XXXX. Here are the inquiries listed below : XXXX XXXX XXXX ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), i will be pursing litigation against them for fraud pain suffering!
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

I was a victim of identity theft. I repeatedly submitted my identity theft report to XXXX and XXXX XXXX stating this account was opened fraudulently and was not mine. It has remained on my credit report and they refuse to remove it, and they continue to call me repeatedly trying to collect.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Credit Bureau Equifax and XXXX have the wrong social security number for my identity listed on their account. I've worked with them to change it, and I've mailed letters with the necessary information to change it. However every couple of months, they revert back to the incorrect number.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to follow up on my previous correspondence regarding the unverified hard inquiries on my credit report. Despite my initial complaint and submission of evidence, the unauthorized inquiries remain on my credit report. This is deeply concerning as these inquiries have the potential to negatively impact my financial standing.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CFPB- 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion
Consumer complaint received 2022-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I tried to make a wig purchase on XXXX website which uses Pay Pal to collect payments. My transaction was declined on 3 different sites who all use paypal to collect the funds. I called Paypal and was told I had to use another form of payment. I have never had any fraud issue with paypal or any of my cards. I did have one issue where I contacted the credit card company for a dispute with a merchant who also used paypal. So I believe paypal is trying to force me to use a debit card where once your money is taken if there is a dispute the bank will do nothing but tell you that you gave them the debit card number. I believe they will not let me use any credit cards because if there is a dispute the credit card company will snatch the money back until the issue is resolved. Paypal accepts credit cards it says it on their site. So I should not have to use a debit card and they continue to keep rejecting my brand new credit card. Not only that I was just ripped off by a paypal vendor using my bank card. PayPal did absolutely nothing and I sent them all the details and facts I never received my money back from the fraud.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I received a check from USAA in the amount of {$110.00}, dated XX/XX/2021 made out to the estate of my late husband for unused credit card rewards and interest. However this check was received 7 years and 10 months after the death of my husband. His estate was settled many years ago and there is no estate account, so the check could not be cashed. I contacted USAA via telephone and they advised me, they knew this was a problem, as most of the recipients had a loved one that had passed more than 8 years prior and they were sorry and working on a solution and I should call back in a week for an update. When I called a week later, they advised they were still working on a resolution and I should call back in another week. A week later I was then given another number to call XXXX. I called that number on XX/XX/2021 and they advised there was nothing they could do about the changing the payee of the check and it would remain made out to the estate of my late husband. They advised I should hire an estate attorney and open an estate account. When I said that would cost more than the value of the check of {$110.00} they said there was nothing they could do about it. I offered to send them a copy of my husband 's will, naming me sole heir, so they could make out the check to me, but they said that was unacceptable. When I asked to speak to a manager or supervisor, they refused to put me through, because I don't have an active account with them! When I asked how this could happen all these years after my husband 's death, they told me the funds were found during a department audit, however they could not explain why it took them over 8 years to conduct said audit. I told them it seems obvious that they do not want to pay these funds to the rightful heirs and sounds like fraud and theft. Anything you can do to help would be greatly appreciated. Thank you.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (VA)

I received a letter on the XXXX of XXXX stating that my account TD Retail Card account number XXXX was past due., I called customer service to advise them that the account was set for auto payment. Unknown to me, when I paid off the previous balance and made a new purchase, I was supposed to re-setup auto payment. I don't care too much about getting a refund on the two amounts I listed on the form, my foremost concern is a late payment on my credit report and the effect it will have on my ability to purchase a house, with I'm in the process now. I need your help in removing this late charge. Their statement states that you can set up a one-time or recurring payment, but there is nothing about doing it every time you pay off the account. 

Thanks.