davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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. (CT)

Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, Transunion and XXXX are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that Transunion and XXXX update my consumer report as well immediately.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good morning CFBP, This complaint is against TRANSUNION and XXXX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXX remove these accounts as soon as possible. that is all, thank you for your time.
Consumer complaint received 2018-11-16
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. (MO)

XXXX credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

When my information was originally leaked, they offered me Protection Services. I put a security freeze on all 3 reports and they let numerous inquiries still go through. I also have accounts that are not accurate, not mine and I'm not allowed to dispute them any further.
Consumer complaint received 2018-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC. (UT)

Ally Bank has been made aware of Federal Social Security deposits made into my checking account with them however the funds have been blocked several times including now. I am entitled to have access to my social security payments yet they have my account in a deposit only status which is a crime to place this type of HOLD on Social Security payments. I am reaching out to the CFPB to get involved in the matter as I have spoken to Ally bank about this several times. Regardless of overdrafts occurring at times they are not ALLOWED to block SSA payments from use.
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (FL)

On XX/XX/XXXX I noticed Midwest recovery systems on my credit report. I have been disputing the above reference debt for a while. I as the creditor for a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges the date and basis for each charge. 
I disputed this charge because I did not recognize this debt and I do not owe any money to this creditor. I monitor my report and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid or in small amounts until settle. 
XX/XX/XXXX I have not yet received a letter or original account statement issued by the credit nor a breakdown of the total amount due. I have provided my personal information as they requested ( address, social, date of birth ). The only response I received was an updated and duplicate charge of the same amount of {$960.00} on my credit report. To my knowledge this was a flag that this creditor has reported inaccurate information to my credit report and fail to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
XX/XX/XXXX I call again to check for updates. I never recieved the statement. The creditor offered me they can settle for {$500.00}. I explained to the creditor briefly what happen. My response below ; I seen this debt o my credit report at first I did not recognized it I disputed it. Then I decided to look at old text messages and realize I did go to the hospital and apologize. But the amount owed of {$960.00} is not accurate. I went to the hospital because I thought an XXXX was XXXX in my XXXX. My temperature was check XXXX XXXX and the doctor enter room to check in my XXXX to see it the soft was in there. Nothing XXXX XXXX XXXX I was touching my XXXX ( I felt XXXX ) I was discharge and sent home. Months late I see {$960.00} for a doctor just XXXX XXXX XXXX XXXX to check!. I ask the creditor can they help reveal the correct owed so I can resolve it. They denied. I ask for the original creditor information they denied. 

The amount this creditor is asking {$960.00} is not correct. And they double reported after speaking with them and they said the computer made a mistake. The duplicate debt of XXXX was recently removed but the amount owed is not correct. Damage my score, stress me and at one point I was on a 3hr hold.
Consumer complaint received 2018-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (FL)

Since living in XXXX, I have had numerous issues with the PNC at XXXX in XXXX. The latest is that they tacked on an {$85.00} fee as this is the 'second year ' that I have had this credit card and they charge every year except the first, according to PNC .

However, I had been with PNC in XXXX for 6 or more years and had had the same card all that time, with no fees tacked on at all. I had an excellent relationship with the PNC in XXXX, XXXX, and had no problems with them. 
I believe that they are fleecing me over here - my friends who are with other banks think that maybe PNC over here has financial problems, or perhaps that they are taking advantage of me because they know about my funds at another financial institution. 
You have not yet helped me with this bank, and I believe that they are taking advantage of me. Also, I am XXXX years old, and should be protected by someone.
Consumer complaint received 2022-09-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (CA)

This is to inform the CFPB that as a consumer I have the power to delete Any information that is inaccurate on my consumer credit report. as a member of the United State Corporation the company XXXX XXXX XXXX Has violated my personal Private information, I have Create it a PDF file I will share that PDF file with the CFPB, and you can share that file with XXXX XXXX acceptance I am requesting the CFPB to do a proper verification in regarding the violation Of XXXX XXXX contract I have been disputing this account for two years now and the information comes back verifiable I have asked XXXX XXXX acceptance to delete the information posted illegally on my consumer credit report. XXXX XXXX need to provide me with verification of my permissible purpose Verification Signature. I did not give XXXX XXXX permission to post this information on my credit report I have also in the past try to settle this Dispute with XXXX XXXX acceptance. Which is not leading to any agreement in this contract. I have a PDF file that I am providing to the CFPB with an explanation of the violations XXXX XXXX has taken. that are violating my rights as a member of the United State corporation is unacceptable, I do not want to Conduct Any business with this company anymore. The company XXXX XXXX acceptance Motive Is to damage the United States Corporation and the banking system. XXXX XXXX does not understand the truth in Lending Act. XXXX XXXX does not understand that this account has been paid in full since the day This account XXXX XXXX fault. I have also asked XXXX XXXX to provide me with 12 CFR XXXX  followed by XXXX In the process of the two years disputing this account, I have asked XXXX XXXX to provide me with those documents. Until the present day, XXXX XXXX has not provided me with the 12 CFR documentation that I as a consumer has requested by law.
Consumer complaint received 2022-07-26
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. (NY)

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2021-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (GA)

On XX/XX/21 I contacted Discover Home Loans for a payoff letter to find out that I was placed in something called forbearance. 

I never requested or even called them or logged in. I asked how this could happen and they could not answer my questions. 

They did not process my XXXX payment so I gave them a payment over the phone and they took that and said they would apply my XXXX payment to my XXXX payment. Today on XX/XX/21 discover sent me another email saying in the forbearance program I have called and have records of the calls Please expedient this request to help me and investigate.
Consumer complaint received 2022-07-12
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. (NY)

On XX/XX/2022 I sent a letter to Transunion Consumer Solutions disputing inaccurate information the bureau is reporting on my consumer report. 30 Days have passed and they have not responded and provided any finding from their investigation. On XX/XX/2022 I sent by certified mail a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation
Consumer complaint received 2022-07-26
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. (NY)

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

A scam company contacted me online and advised me to invest in them. I had very little experience in investing/trading so I did everything under their instructions. 
After I had not made a single XXXX I tried reaching out to them but they had cut all ties with me. I could not retrieve my funds after that. It all happened around XXXX XXXX 2022, I lost : XXXX XXXX which was around XXXX USD at that time.
Consumer complaint received 2022-07-26
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: JPMORGAN CHASE & CO. (TN)

We ( my wife is the primary on this card, and I am a cardholder ) had XXXX points in the Chase Freedom Ultimate Rewards program, the equivalent of {$3500.00}. I went online to redeem these points for the purpose of paying my account on the due date, an option that was listed. My points were immediately removed and my balance reduced to XXXX points. There is no indication online that the transaction is pending, so I called to ask if an agent could confirm any of my payments. She said she was greatly concerned because she saw conflicting information, and she transferred me to an " escalation leader, '' ( XXXX XXXX XXXX who stated that it might take up to three days to receive credit, and that the points nor the transaction would be visible until they credit the account. Similar disclosures are seen when paying with a checking account ... the transfer might not actually take place for a few days, but you are credited for paying on the day you initiated the transaction and not charged late fees or interest as a result. My complaint is that they immediately took my points ( which they kept inhouse and are being used to pay themselves ), brought my {$3500.00} balance of points to XXXX but are not crediting me with paying the points or making the transaction until such date ( 2-3 days ) that they choose to credit my account, and told me they will charge any ensuing interest on that amount for the days between when I paid the points and whenever they get around to crediting them to my account. They automatically and immediately took my points/money, and there is no reasonable policy that should be permitted to withhold credit the moment they take my cash equivalent payment ( or at least make the payment retroactive to the date the points were surrendered ). I essentially handed over {$3500.00} without receiving even so much as a receipt or an online acknowledgment of the transaction. Only an upper tier " escalation manager '' can even find the transaction.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (WI)

I became a member of Binance.US in the begining of XXXX and deposited XXXX dollars over thtrough the first ten days of XXXX when, i got a chargeback, which happened XX/XX/XXXX, it took until XX/XX/XXXX to get that resolved after multuple attempts to resolve it and multuple attempts to get ahold of customer service. I have tried to cash out of of all my crypto currency multuple times and also tried to buy crypto to add to my portfolio, i feel like this whole process has cost me XXXX  of dollars on top of what i invested, they have not helped, nor have they responded to any of pleas for help, this is a lot of money to me and i just want to get it out, please help me
Consumer complaint received 2022-07-26
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)

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a capital One business credit card that showing on my credit report. 
On XXXX, i contacted capital one that i was having hard time paying the bill due to COVID-19. XXXX XXXX has been closed due to impact. When i contacted the Capital One they seemed like they understand the situation. And the system automatically generated new payment options so i thought it was good. However, the company reported my payment has been late even though i explained that my business was affected by COVID-19. But, they still reported the credit bureau and it still shows on my credit report that i was late even though it was my business credit card. I applied for EIDL loan for help but i got declined EIDL loan from the government due to credit score.
Consumer complaint received 2018-11-16
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. (AZ)

I received a call from the police notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I saw addresses listed there that I never used or lived at. One of which is XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID XXXX.
Consumer complaint received 2018-11-16
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. (AZ)

I was notified by the police that I am a victim of identity theft. I requested a copy of my credit report. There are several addresses listed on there that I never used or lived at. One of which is XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID XXXX
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX   balance.
Consumer complaint received 2018-11-16
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. (AZ)

I was notified by police that I am a victim of identity theft, so I requested a credit report. Upon reviewing the report, I see addresses listed on there that I never used or lived at. One address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX. I believe this address belongs to XXXX XXXX. Address ID XXXX
Consumer complaint received 2018-11-16
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. (AZ)

I was notified by the police that I am a victim of identity theft, so I requested a credit report. I noticed addresses on there that I never lived at. One of which is my ex-husband 's. I see his address on the report, but I do not have proof yet if he has used my identity. The address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I never lived there or used this address. It belongs to XXXX XXXX. Address ID XXXX
Consumer complaint received 2018-11-16
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. (CA)

XXXX XXXX XXXX gave no notification or bill or email on an {$8.00} service fee. then reported account 30 days past due on a {$8.00} service fee. Of course then then added {$50.00} late on top of that. This seems like a scam to defraud.
Consumer complaint received 2018-11-16
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. (CA)

XXXX XXXX XXXX gave no notification or bill or email on an {$8.00} service fee. then reported account 30 days past due on a {$8.00} service fee. Of course then then added {$50.00} late on top of that. This seems like a scam to defraud.
Consumer complaint received 2023-03-22
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. (TX)

I never had any account with XXXX. The company that I worked for was the one that had an account XXXX with them. I tried fixing this issue with them but they wouldnt listen. XXXX XXXX XXXXXXXX XXXX was the one that had an account with XXXX and not me. I need them to be removed from my account and also any negative activity from them.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have come to realize that Transunion has included accounts in my consumer report that were a result of alleged identity theft. These accounts contain information that is not related to any of my transactions, and I have not received any benefits from them. To resolve this issue, I took the necessary steps and sent a written correspondence to Transunion, providing evidence of my identity, an identity theft report, identification of the inaccurate information, and a statement as required by law. As per the law, Transunion is obligated to block and delete the accounts within four business days from the date they received my notice.