davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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)

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Transunion refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " 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. '' I have submitted written instructions to Transunion on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Transunion has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how Transunion is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can Transunion explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and Transunion is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that XXXX XXXX and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to Transunion but have yet to receive a response. Please find all proof attached below.
Consumer complaint received 2019-12-27
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. (AL)

The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX  XXXX XXXX DBA DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Service Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Auto DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

PayPal Credit not only opened an account in my name without my permission, but transferred the balance of a fraudulent account to that account. I received a statement today dated XX/XX/19 with a new balance of {$13000.00}. The new balance was due to a transfer on XX/XX/19 from the aforementioned fraudulent account that I have absolutely no knowledge of.
Consumer complaint received 2022-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

The account in dispute is with XXXX which sold the account to Midland Credit. 

The settlement was initiated in the amount of {$3000.00}. XXXX received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX CT XXXX. 
The check ( # XXXX ) was deposited by XXXX on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. XXXX has refused to acknowledge this payment. I have repeatedly asked XXXX to rectify this matter and they have refused to. Their response is they have to record. 
XXXX illegally sold this account to Midland Credit. They have continued to report false data. I have repeatedly informed Midland Credit that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (PA)

On XX/XX/XXXX, I purchased a computer from XXXX that showed as delivered on XX/XX/XXXX, but I never received. I contacted XXXX XXXX several times to get this handled and they kept referring me to my credit car company Discover, to dispute it. I contacted Discover and opened a dispute on XX/XX/XXXX for {$2400.00} and submitted all the paperwork I had. I submitted the emails from XXXX XXXX and from XXXX. I disputed the charges on the grounds that I never received the order and the XXXX  tracking showed it was signed for by someone I never heard of. Discover closed my dispute and ruled in XXXX XXXX 's favor. Their own terms of service indicate that if I don't receive an item I bought, that I can open a dispute and they will refund it if it is proven that I didn't receive it. By XXXX  's tracking number, it clearly shows that I didn't receive the item, and that XXXX  delivered it to the wrong address. I have tries contacting Discover multiple times since and they continue to refuse to reopen the dispute. Discover violated their own terms and didn't protect their customer, me, from being wronged.
Consumer complaint received 2019-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

XXXX XXXX is reporting a late for XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late
Consumer complaint received 2019-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX is reporting a late for XXXX and the payment was made on the XXXX for the {$190.00} for the full amount due. I called them and they were unwilling to fix the error and honestly didn't even seem to care that it was inaccurate. On the credit report they are reporting that a payment was made on the XXXX but are reporting late
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and disappointment with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing thorough documentation and evidence demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries persist, negatively impacting my creditworthiness. 

I have made multiple attempts to dispute and remove the fraudulent items from my credit report. Each time, I have meticulously provided evidence, including affidavits, police reports, and any other relevant documentation, to support my claims. However, despite my persistent efforts, the fraudulent items continue to tarnish my credit history. 

The presence of these fraudulent items has caused significant distress and financial harm. They inaccurately represent my creditworthiness and have resulted in denied credit applications, higher interest rates, and other adverse consequences. Furthermore, the repeated denials of my disputes have eroded my trust in your agency 's ability to conduct fair and accurate investigations. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to file a formal complaint against TransUnion for their persistent refusal to investigate inaccurate items on my credit report, despite my repeated requests and extensive efforts to rectify the situation. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to TransUnion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report during these correspondences. Despite providing my Government ID, proof of address, and a copy of my social security card to verify my identity, TransUnion has repeatedly refused to conduct the investigation, disregarding my legitimate concerns and rights as a consumer. 
These inaccuracies and incorrect personal details have significantly impacted my financial standing and credibility. Despite my compliance with all necessary procedures and requirements outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion 's refusal to investigate the disputed items has caused me considerable distress and financial implications. 
Despite the several attempts I have made to contact Transunion, I received a response back from TransUnion dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I am seeking intervention from the Consumer Financial Protection Bureau to compel TransUnion to fulfill its obligation to delete the inaccuracies on my credit report by the FCRA guidelines. 


It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/21 I purchased an item using PayPal via a credit card on file with them. The vendor is located in XXXX, and the credit card used does not charge international transaction fees. The item was priced at EUR XXXX, for which PayPal charged my card {$670.00}. Upon realizing that the exchange rate listed did not match the published exchange rate ( the charge should have been approximately {$640.00} ), I immediately requested a refund from the vendor. The vendor provided the refund on XX/XX/21. PayPal, however, refunded only {$640.00}. Upon pointing the error out to PayPal, their response was that they charge an international currency fee, and that it won't be refunded. The fee is not disclosed on their pay page. The only indication is that the exchange rate does not match the charged amount. One would need to do the math on the fine print of the exchange rate to realize this. After several exchanges with PayPal they refuse to refund the charge, stating that they would only refund it if the refund happened the same day. The reality of international commerce, especially overseas, is that time differences make a same-day refund almost impossible, even if the request is made and responded to in a reasonably timely fashion. There is no disclosure of the fee on the pay page, and they won't refund it even if the vendor refunds the payment. This is unethical at best.
Consumer complaint received 2019-12-27
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. (NJ)

I was notified another lender that these are not categorized as 'educational ' and thus highly penalized, such that they would not extend credit based upon them being classifying as general unsecured installment loans. All advertising states that these are student loan refinances and states '1 The terms of this loan may differ from terms of your current loan ( s ). For example, this loan does not contain special features such as forbearance periods or income-based repayment plans available for some student loans. If the debt you are refinancing was all incurred for qualified higher education expenses or to refinance a qualified education loan under the Internal Revenue Code, the interest you pay on this loan may benefit from certain deductions thereunder, and it may also be the case that this loan will not be dischargeable in bankruptcy. ' I asked that the 3 loans be correctly categorized as 'educational ' / 'Student Loans ' as opposed to 'OTHER LOANS '.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

XXXX charges to XXXX were made to my Chase credit card in late XXXX XXXX ( XXXX ; XXXX ; XXXX ). While reconciling my XXXX statement, I noticed these charges and called Chase on XX/XX/XXXX to report fraudulent charges. During that call, I made it clear that I did not know who XXXX was, nor had I or anyone authorized to use the account had ever done business with XXXX. On XX/XX/XXXX, Chase sent a letter indicating the charges for XXXX and XXXX were fraudulent and were reversed, however the XXXX I had received benefit from and would be charged for. After receiving the letter, I called Chase on XX/XX/XXXX asking for additional details. During that call I made it clear that again, neither I nor anyone authorized to use the account had ever done business with XXXX. I made it clear that I could not provide any details to combat the transaction as I had no knowledge of the details of the transaction - I had no idea what the purchase was for although assumed it was for travel as that was how it was categorized on my credit card statement. I asked for additional details - if it was for travel where from and where to? would providing details on where I was at or access to my passport assist? They indicated they would 1 ) open another fraud case 2 ) asked I upload the pages from my passport 3 ) provided the contact info for the person who had reviewed my claim. On XX/XX/XXXX I received an electronic letter from Chase indicated they had reviewed the fraud charge and still considered it mine. I promptly attempted to call the contact originally provided as well as the contact information on the electronic letter. The call to the original contact was not answered and I was unable to leave a voice mail for that person. I tried the contact provided via the electronic letter who indicated they were XXXX until XXXX XXXX then turned around and called the fraud department again. In that conversation I reiterated the details I had provided before. Chase guaranteed me they would have the contact call me within 24-48 hours to provide additional details on their findings. No one called me. Without their findings I am unable to fight this charge. I did not authorize these charges. I have no knowledge of what was purchased. No one in my family that has been authorized to use this account authorized these purchases nor has any knowledge of what was purchased. I called Chase again on XX/XX/XXXX again stating my position as noted above, calling them out on not following through on their guarantee that I would be contacted and provided with their information. I have given them notice that they have until COB XX/XX/XXXX to provide this information before engaging my legal counsel and requesting all documentation be handed over.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (WA)

Experian web sites do not function correctly. No phone number to reach a human. Phone hangs up on you if you wait. Corporate office refers to number that hangs up on you. No way to contact except postal mail, in which no one responds. Yet, they have control over financial information that may or may not be correct.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$9500.00}
Consumer complaint received 2023-03-02
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: CREDIT ACCEPTANCE CORPORATION (GA)

Credit Acceptance Corporation {$21000.00} My social security number is being compromised and used as collateral by XXXX XXXX XXXX in XXXX and XXXX XXXX XXXX in New York My personal non public information is being used please help me by deleting negative items from my credit In accordance with FCRA 15 U.S.C 1681 section 602 A states I have the right to privacy