davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Hey XXXX AND EXPERIAN, I was recently checking over my credit report after receiving a response from you. I have the proof showing that I submitted the complaint # XXXX on XX/XX/2023 and received a response from you on XX/XX/2023 that states, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. SXXXX XXXX XXXX-UPDATED XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-UPDATED Your credit bureaus stated that my account XXXX XXXX and account # XXXX was properly INVESTIGATED but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and the account name is inaccurate. This is grounds for removal they ALSO, violated my rights under 15 U.S.C 1681 Section 602A. States that 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 a account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation here is my certified tracking number / cfpb complaint # XXXX According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} ( one-thousand ) per violations or all accounts deleted due to violation of my rights or delete all accounts
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

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 2022-08-30
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)

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-02-14
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: Midwest Recovery Systems (GA)

I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (MO)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( included in bankruptcy ) ; Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (MA)

I began recieving calls from a company claiming to be a debt collection agency. They claimed that I had an unpaid medical bill from a hospital that I had been to, but I had never received any such bill or communication from the hospital itself and thought I had already paid all of the bills incurred during my visit. Further, the debt collection agency said they had sent written letters/bills to me, but they did not have my correct address. When I provided my correct address I began receiving bills but never received evidence of the original hospital bill or what the charge was for. Further, the letters were not printed on letterhead, were never in the same format, listed different amounts due within the same bill, and the only payment option listed was to mail in a check. They then called me again asking me to pay, and only then gave an online payment option, which had no login information, account information, or way to confirm the amount owed, and I was expected to just enter an amount to pay without any security or confirmation that this information was correct. They have continued to call me regularly to collect the debt, which at this point I don't even think is real.
Consumer complaint received 2022-05-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Meritize Financial Inc. (CA)

I have previously submitted a complaint about Meritize, however my complaint was closed because CFPB was under the assumption that it has already been handled. The vice president of finance from XXXX XXXX XXXX XXXX XXXX called me on XXXX XXXX to inform me that they submitted a refund and I only owe {$2000.00} for the loan on XXXX that Meritize was charging me {$20000.00}. I asked XXXX ( Vice president of finance from XXXX ) to review my loan from XXXX since they charged me XXXX when I only took 6 classes and 2 of those classes where minor classes. I have not had a response yet. I checked my account on XXXX  which is under Meritize and it doesn't reflect the refund at all! Meritize transferred over my loan from XXXX  to now XXXX. I logged on to my XXXX account and they are now charging me {$50000.00}. This situation is financial abuse and very unacceptable, this is one of the reasons why many people in the United States refuse to go to school and get a degree. I just want to get charged honestly and get charged for the classes that I really took. This has really been causing me sleepless night that this situation still hasn't been resolved correctly. I also was never informed about the National Emergency Forbearance that Meritize had and was under the assumption that it was automatic since it was a world wide pandemic. Please help me resolve this issue and before you close this complaint I asked that the complained has been truly resolved.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MS)

The first thing I want to address is that my Social Security number belongs to me. You do not have the right to put a freeze on it unless requested by myself, this is an unethical way to obtain business. The second, the mortgage, that is on my account, the debt does not belong to me, my ex-husband bought me out of the house, legally bought me out. This debt is legally not mine. My brother is a attorney and this has caused me monumental problems. I need this off immediately, or you will receive a court order.
Consumer complaint received 2022-05-16
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. (NC)

On my personal credit there are business credit card inquiries that should not be there. 
XXXX XXXX XXXX on XX/XX/2021, Us Sm Bus Admin Oda on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX  on XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX
Consumer complaint received 2022-05-16
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 ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business, Buy and sell online products ( Ex. Gadgets, Shirts, shoes, goods and more ) since XX/XX/2022. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I opened an account at XXXX and made a purchase for {$61.00}. I intended to pay but the cashier told me that it was better to add it to my new credit card, so I did. I waited for my card to arrive at home but it never did. I tried making a payment in person at a XXXX store but they wouldnt accept cash. I asked them for information regarding my account and explained to the sales person that I had not received my credit card on the mail but no help was provided. I tried opening the XXXX app but I needed my account info and I did not have it with me. This was my first time trying to open an account to start working on my credit but it turned out a nightmare instead.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX XXXX.The information is incorrect. I sold the car on XX/XX/2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Consumer complaint received 2019-02-14
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. (FL)

in my credit report XXXX XXXX XXXX ACCOUNT # XXXX is showing a late payment 0n XXXX 2018.The information is incorrect. I sold the car on XX/XX//2018 as showing on document upload in MY FIRST DISPUTE. 
The late payment on XX/XX/2018 is incorrect. Please delete and correct the information.
Consumer complaint received 2022-05-16
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TEXAS, docket XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX Bank account XXXX, XXXX account ( XXXX ) XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX & 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-16
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TEXAS, docket XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank account XXXX, XXXX account ( XXXX ) XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX, XXXX & 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-16
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 ()

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business Buy and Sell item since XX/XX/2022. My PayPall account : XXXX has stocked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} TRANSUNION : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} EQUIFAX : XXXX XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$51.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$78.00} XXXX  XXXX Balance : {$35.00} XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$88.00}
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy Federal Credit Union is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the account number, date opened, highest credit limit, and date last active are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY.
Consumer complaint received 2022-05-18
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one on XX/XX/19 sent me a letter stating that they credited my credit card account XXXX but they still charging me the XXXX because they have gave me a credit of XXXX in the begging when I first made the dispute so when merchant put the XXXX in the capital one credit account they were suppose to retrac the credit they gave me and replace it with XXXX the merchant paid back and not charge me the credit they gave because it was already paid back to the account
Consumer complaint received 2022-04-15
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 This account should be reporting as " CLOSED, PAID AS AGREED ''. There was an UNAUTHORIZED charge made to this account in XX/XX/XXXX for the amount of {$130.00} by XXXX XXXX XXXX. XXXX XXXX XXXX was not authorized to process any payments on my behalf. I cancelled insurance with them in XXXX and have have no business with then since XXXX. See cancellation information. ALL derogatory information needs to be removed from my credit file immediately. XXXX responded that a correction was warranted on XX/XX/XXXX but have yet to update my credit file. It has been over 30 days. See letter from XXXX.