davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (MI)

FILE TRACKING # XXXX # XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2022-01-27
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX Original creditor : XXXX XXXX MD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$240.00}. Inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (TX)

I am asking that you address the issue with PayPal and assist me in getting my money back that PayPal illegally froze and kept without explanation. They charged XXXX? To an outside pay card for a subscription that I was in jail when this subscription was started. How do I start a subscription in jail? Additionally, how are they charging my card in 2021? When it's been over a year, and they never charged me any time during that year and then out of the blue they charged me XXXX? So why did they not charge me all year? They froze both accounts and gave no legal reason as to why they froze them. However, they took their fee and if they took their fee they acknowledged the legality of the transaction correct? So the XXXX XXXX dollars they processed as a payment from a service I provided to a customer. For them to charge the free was XXXX dollars? Something like that, but they didn't report the payment as an error the gentleman who called me tried to say that he felt the payment was incorrect and that I should explain to him or admit that it was illegal. It was not illegal and if it is not illegal then why freeze my payment and then my accounts? So could I please get your help in returning my money? They refused to reopen my money and the customer service representative refused to provide an identification number that would allow you all to address this issue directly. There is another payment XXXX dollars that was charged for a subscription that was cancelled and the card should not have even been on the subscription. So why charge me XXXX dollars for a cancelled subscription with a card I never used for that subscription and then they sent the XXXX contacts to XXXX where I no longer stay. The XXXX dollar subscription I never signed up for and was in jail. So that was illegal and all the money they took for that what is that? Also there is the issue with the PayPal credit card that was used in XXXX Florida at wood you furniture. So what happened with that? I reported it to PayPal and they started that I couldn't get the card cancelled and I couldn't use the credit but it was on my credit report so someone fraudulently used my name to steal credit or money. I been dealing with the identity theft for all of my life and most recently in the last three years I felt the effects brutally.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2021-05-17
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: HCFS Healthcare Financial Services of TeamHealth (TX)

I have disputed this company multiple times with the credit bureaus and cfpb and my issue with their erroneous and unlawful reporting has not ceased. I've asked them to provide me with proof that they were given permission to obtain this debt from the original creditor by me. I did not sign any consent forms in my name for any medical professional to sell or contract out any bills claimed to be owed by me. A bill does not prove that the debt is validated as mine. ARS continue to respond to my disputes with a statement saying the balance owed is reporting as correct. However the balance itself is not what i am disputing nor does it justify their unlawful acts. Below is a summary of my requests made more than 60 days ago. 

I received a bill from you .... and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from .... 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to ... ... ... ... ... for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt.
Consumer complaint received 2022-04-11
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: National Credit Adjusters, LLC (GA)

National Credit Adjusters Account : XXXX Amount : {$400.00} In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A - States I have the right to privacy.

15 U.S, C. 1681 Section 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (MI)

FILE TRACKING # XXXX # XXXX Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2022-01-27
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. (TX)

I have disputed two accounts on my Credit Report with Experian MANY TIMES as they are incorrectly and illegally reporting to my Reports. All to no avail, XXXX XXXX XXXX and XXXX XXXX have been reporting an account to the Bureaus as CO ( Charged Off ) every single month for the past 4 or more years. This is to my knowledge ILLEGAL to do as it is manipulating the Statute of Limitations and also the DOLA ( Date of Last Activity ). It is adversely affecting my Credit Scores and I have asked Experian many times to investigate these accounts and remove them immediately per my rights with the FCRA. Every time they have come back saying that the accounts have been investigated and updated and nothing was changed. I call Experian and still nothing has changed they do not remove the accounts even though it is clear that they are reporting incorrectly and illegally. I am demanding that these accounts be removed immediately which by law should have been done already upon my first dispute of these accounts.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

My original loan servicer was XXXX XXXX XXXX and I was laser moved to XXXX XXXX. They were aware that I was going for PSLF but gave me incorrect information multiple times. First they failed to tell me I needed to fill out a deferment waiver while in school and working full time in public service for that time to count towards payments - that lost me 4 years of PSLF time. Next, they put me into a forbearance when I qualified for {$0.00} IBR payments and told me I was on a qualifying payment plan - this lost me another 31 months of PSLF time. Lastly, they failed to tell me that my XXXX loans did not qualify and actively told me they did since they were owned by DOE. Luckily the waiver will correct the last issue but it does not go far enough to correct the wrongdoing of the loan servicers in the early years of PSLF. My public service work is certified since before the beginning of the program - 2006 - but I still have many years until I reach forgiveness because servicers did not have my best interest in mind. For the program to work the way it was intended anyone with 10 years of service should be automatically forgiven.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I made a {$300.00} payment on my Capital One card on the XXXX. Also of today my available credit has not updated! I called and they said the payment was frozen due to suspicion. This is the third time they have done this to me. If I make a payment and it clears it should be posted RIGHT THEN. I feel they are discriminating against me as it has happened so often. They said it will post tomorrow, 7 days after payment. Too slow in this day and age and there is nothing suspicious about making a payment from the same checking account for months!!!
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (PA)

There was a pass due XXXX cable bill from XXXX. It paid was XX/XX/XXXX to the debt collection agency XXXX XXXX for the settlement amount of {$1100.00}. As I am trying to move into an apartment this week the debt appeared again now from a collection agency EOS-USA. I have contacted XXXX about this matter and they sent me a letter stating that theyll contact all major credit reporting agencies for deletion and that I must contact EOS-USA myself. When I contact EOS-USA they can not find my account and they are rude and dismissive. I have the letter from both XXXX and my paid receipt from XXXX XXXX. I am trying to resolve this issue but XXXX wont speak to EOS-USA in order to settle this matter. To make matters worse I tried to contact XXXX XXXX and found that the company permanently closed in XX/XX/XXXX.
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (TX)

The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT XXXX XXXX  XXXX XXXX XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING
Consumer complaint received 2021-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CO)

I used to live at XXXX XXXX  apartments. I had to leave because they refused to fix the poor water issues, the ants, mice problems, and AC/heater issues. I had always paid my rent on time. I had XXXX children living with me at the time and I had to leave every morning for about 7 weeks to get them showered and ready at a different home. I had complained several times and no one did anything. I ended up leaving on XX/XX/XXXX of 2018 and i went elsewhere, because i needed my home to be a safe place for my children. I knew about the breaking of the lease, and the cost of {$1800.00} dollars. I left and the credit collectors kept calling and calling. I did try and work out something with them and they wouldnt hear anything i had to say. I tried payments and even tried to settle, but they said they do not settle and i owe them. I do not feel like i need to pay for this especially when they didnt keep to their end of the lease. Now the cost is over {$2600.00} dollar and i refuse to pay them. Plus i am taking a hit on my credit and that makes me even more furious because now i am having a hard time renting. 
I feel like i was wronged and i do have others that were in the same boat, but they also left. The rodent issues were all over the place.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MD)

I received letter from Wells Fargo with the subject : Confirming Overdraft Protection. The letter is confirming a request for an overdraft protection on a Wells Fargo Everyday Checking. 

I did and do not have a checking account with Wells Fargo.
Consumer complaint received 2022-01-27
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: EQUIFAX, INC. (GA)

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX. 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I got a credit card from Capital One that had a 0 % APR on new purchases for a certain number of months. The statements do not show when the 0 % APR expires. I have to call them to find out. I called just now because I though it might be expiring soon, and I learned it expired last month. I also have a card from XXXX XXXX with a promotional APR, and it says clearly on the statement when the rate expires.