davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MT)

I received a notice from Sunrise Credit Services. It bears an SCS Account Number of XXXX. It references an alleged debt owed to XXXX XXXX XXXX. I owe no bill to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and they indicate I owe them no debt. I called Sunrise and was informed that the debt was valid, that I needed to prove that it was not, and that they and I would be touching base in a few weeks. I asked them to prove that I owe what they say I owe. The Sunrise representative I spoke to would not do so. Please assist me.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (FL)

Subject : Error in my Payment History - One Late payment Mark - XXXX : ( Account Number : XXXX - XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you in order to ask you to help me with my problem in my payment schedule. I have never been late in my payments for the car. Recently there was accrued probably error in the bank or poor autopayment policy that resulted in the late payment. I do not know for what month but the late payment mark appeared in XX/XX/XXXX in my credit report. If you download my payment schedule you could see that I have been paying always on time. I am very reliable and accurate person and my credit history is very important for me. 
Please I am kindly asking you to consider the option to remove negative late payment from my credit report. Unfortunately, my score was decreased for XXXX points and it killed my plans about the mortgage for my family. Its very important because I have a big family and I will appreciate your kindness. I wrote few times to XXXX XXXX XXXX but I have not received any answer or help so far. I hope based on my brilliant background with payments you are willing to cooperate with me on erasing this one late mark from my credit report. 
Please remove this one late payment remark from my schedule in credit reporting system. 

Thank you so much in advance for considering my request. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-09
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)

My XXXX XXXX Account has been paid in full as of XX/XX/24 and has been updated correctly on my XXXX credit file. XXXX and TransUnion are still showing a high balance of over {$10000.00} even though my account has a zero balance. After speaking with XXXX at XXXX XXXX XXXX ( confirmation # XXXX ), I've been informed that XXXX XXXX has already updated the information to the bureaus, and it's correct, and they have no control over what XXXX and TransUnion are showing on my report. She was also unwilling to transfer me to XXXX XXXX credit dispute division and stated they do not speak to customers.
Consumer complaint received 2022-05-23
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. (FL)

I had contact the companies and they always tell me that they will remove inquiries but they don't I have been going back and forth with them for months with any luck. this is my last resource,
Consumer complaint received 2015-09-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Springleaf XXXX local office has taken out Hard Inquiries that were not authorized by me, amazingly 2 months apart - XXXX 2014 and XXXX 2014 - which is very stupid. 
I have not received any correspondence on these Inquiries concerning rejection. 
For my XXXX payment, of {$300.00}, they have only credited me with a payment of {$300.00}, with no visible reasons on the Springleaf website or correspondence of receipt. 
My receipt information shows a check of {$300.00} through XXXX XXXX Transfers.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (WI)

Equifax consistently has false and outdated information and their online dispute resolution kicks you off automatically if your computer refreshes the page. It then locks you out of your account unless you fax them information. In this day and age, faxing is a rather significant hardship for most people, since almost no one has access to a fax machine. I believe this is to make it intentionally difficult to call them to account. Furthermore, they provide a number to get " priority access to a live customer agent '' when in fact it is simply an automated line to send you a hard copy of your report that can not be used for any other purpose. Their everything seems designed to simply make you give up. Where is the accountability?
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NY)

On XX/XX/2022 I received alerts from XXXX via my Citibank account that {$4900.00} was sent to XXXX XXXX. I did not authorize this XXXX and I do not know the person. Whom ever hacked my account continued to send {$500.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, and {$490.00} to various people. The hackers also opened 2 unauthorized checking accounts and put {$5200.00} from my savings into these fraudulent checking accounts, {$2600.00} in each account. I contacted Citibank and after several hours, I finally got ahold of someone and it took several weeks to get someone to help me. Citibank credited some of the initial XXXX balance and continue to ignore the other XXXX. XXXX is not a service I use often and I would never send so much money in one day in a 2-hour window. I froze the accounts, changed my passwords, and contacted the credit companies. I changed my email password because I started receiving thousands of spam from websites I do not use. I have filed a dispute with Citibank twice and my claim continues to be denied. I have had almost {$9000.00} taken from my checking and savings, there are two checking accounts separate from my primary account that have been without my authorization and Citibank continues to ignore my pleas. I have signed up for XXXX and frozen my credit with all three of the credit Bureau '. I have been a customer with Citibank for over 15 years and this is the worst treatment I have received by any financial corporation. I am a XXXX, with a family and I can not accept that they are just allowed to do this. XXXX and Citibank need to be accountable.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Account opened : XXXX XXXX, XXXX ( 1 yrs, 1 mos ) Amount Due : {$680.00} Credit Limit : {$500.00} Credit Use : 137 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (OR)

I am submitting this inquiry to you because i learned that my credit score suddenly dropped from XXXX points and I want to find out why, And what I can do about it? Nothing has changed in my financial world, so I am concerned there is wrong information negatively affecting my score. This sudden drop occurred between XX/XX/2019 and XX/XX/2019. I am not sure where to turn so I am first reaching out to your agency. 

Thank you for your assistance.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

concern, After reviewing my credit reports I noticed that you are Reporting un accuracy information on my credit reports ( XXXX XXXX XXXX XXXX + XXXX ) This account is reporting different information on all 3 credit bureaus. On This account the ( condition ) Shows different information The ( original balance ) Show Different balance on all 3 bureaus.

( Open dates & Reported dates ) are all incorrect. 
Plus payment status is Showing different on all 3 bureaus Also
Consumer complaint received 2022-05-24
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. (AL)

WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-23
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. (FL)

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX  XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX XXXXXXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX **************** {$380.00} XX/XX/XXXX XXXX XXXX {$250.00} XX/XX/XXXX AFFIRM XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/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 2022-05-23
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. (TN)

XXXX reported that I owe them over {$73000.00} dollars and I dont. XXXX will not send me proof of this debt. XXXX is also reporting information from XXXX. XXXX is making it seems like Im over {$100000.00} in debt to them. XXXX and XXXX are the same company but they are reporting it as 2 different companies. I dont owe them {$73000.00}
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2019-02-20
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: SYNCHRONY FINANCIAL (GA)

There is a hard inquiry on my account from Syncb National Credit Cards/Airlines. The inquiry was made on XX/XX/2018. I did not give anyone permission to initiate a credit inquiry. I have not been able to get this resolved. Please help!
Consumer complaint received 2022-05-23
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. (IL)

In accordance with the Fair Credit Reporting act this information I unfamiliar and unauthorized inquiries that at reporting on my report. 
Here is a list of unauthorized inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-23
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 (MD)

Unable to access my funds in my PayPal account. I have been asking Paypal to allow me access to my funds but they are not providing any reasoning as to why they have limited access to my own account and holding my funds equivalent to XXXX USD. I have spoken with customer service as well as written to them. They provide no reasons and no resolution to solve the issue. Also, their phone customer service is NOT HELPFUL. I have received the same message from Paypal for the past 1+ year - they offer no further details. I have spoken to their customer service and they offer me the same explanation ( after 1 hours hold time ) - they asked me to check my email and in email -- it was the same message/ I am ready to close my account but they need to give me my money back. They have been holding the money for no reason for more than 12 months - and offering me no explanation -- -- SEE MESSAGE BELOW -- -- You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bay Area Receivables, Inc (NY)

The company Bay Area receivables posted a bill on my credit without due process I never got a notice to respond within 30 days prior to finding out that I had a pass due bill with a hospital. I had no knowledge of the bill and thought medical took care of it. The company did not afford me the opportunity to clear the debt if owed prior to posting it on my credit and/or to verify if the debt was infant owed or not or something my insurance would take care of. Just wasnt afforded due process