davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have submitted numerous disputes to TransUnion since 2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual XXXX XXXX has sent them to base their reporting on or delete this derogatory information XXXX XXXX is submitting to them. 
I have sent countless requests to XXXX XXXX for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX and XXXX state they are still investigating. XXXX needs to be driven completely out of business.
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2021 I filed a complaint with the CFPB about my PayPal account being closed for no reason. PayPal responded saying they would release the money minus any returns on or before 180 days of the account being closed. On XX/XX/2021 PayPal took XXXX out of my account with no explanation. I have tried to contact Paypal support and they do not do anything about it. They promised that this money would be released after XX/XX/2021, which I had no choice but to deal with. Then they take the money out of the account XX/XX/2021. Leaving a total balance of {$0.00} in my PayPal Account. I am missing a total of {$91000.00}. I need this.
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I have been trying to low my rate and morgage amount for since XX/XX/2019 I have been sending them documents and they state they have not receive them. 
I sent the document over four times.XXXX XXXX XXXX to help still the same thing Still they say they have not receive them as of yet.
Consumer complaint received 2020-02-09
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. (GA)

I had a prior account with XXXX XXXX the was opened in XXXX. The account was paid in full upon the vehicle being traded in during XX/XX/XXXX. Since XXXX, the account has continued to report to my credit profile as 60-90 days past due. I reported this inaccuracy to all three bureaus numerous times from XX/XX/XXXX-XX/XX/XXXX. All three bureaus removed the account for a lack of validation at various times ranging from XX/XX/XXXX-XX/XX/XXXX. This account continues to repopulate as a past due account as recently as XX/XX/XXXX, reported to Transunion. Legally, this account can not repopulate onto my reports after being deleted if it has not been resold or if I have not been notified. Neither of those scenarios have happened and I have continuously asked TransUnion and XXXX to reinvestigate the inaccuracies to no avail. I have reported them as recent as XX/XX/XXXX.
Consumer complaint received 2021-10-19
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: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I reported fraudulent activity to Barclay 's fraud department for the following : 2 charges at different XXXX stores on XX/XX/XXXX for a total of {$220.00} 1 charge at XXXX XXXX on XX/XX/XXXX for {$110.00} 4 charges at different XXXX  stores on XX/XX/XXXX for a total of {$440.00} They sent a letter on XX/XX/XXXX stating they investigated and XXXX to be valid and removing credit from my account. 
They sent a letter on XX/XX/XXXX stating that investigation is completed and I am not responsible for fraudulent activity. No amount was given. The credit for XXXX remains on my account but when I called to ask for the remainder to be credited ( {$550.00} ) they stated the investigation had been closed and merchant proved they were valid. How did they determine only two of the 6 charges at XXXX are fraud while the other 4 and 1 at XXXX XXXX ( all in different cities ) were valid? I want the full amount credited because it is obvious I could not have made the charges ( other valid charges on the same day had me and my card which was in my possession located in a different city ). Please help me resolve this dispute.
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime (TX)

Ok so on XX/XX/XXXX, I purchased a XXXX XXXX XXXX. While I was walking around the car, I seen the boarder hanging off the clip I show the salesman he takes it to the back and come back saying it was fixed. I went home. I didn't really drive it the next few days. On Monday I work like 40 minutes from my home, and I noticed it was shaking and riding rough. I drove it again Wednesday and noticed the same thing. I called Drivetime and he said I am sending to a link select a shop you would like to complete the repairs and it will be covered under warranty because you have had it for less than 30 days. Well two shops later and a rental car they refused to pay for vehicle to get repaired saying neglect on my part. How??? Both repair shop say that whoever had the jeep before me ran over something big and showed me a sticker on the fender line show it was new. The warrant provider stated that they called Drivetime to see if they were going to help me out and was told no. The warrant provider also let me know that Drivetime replace the fender liner before I purchased it. So, this make me believe they know there was a problem with the wheels why else replace the fender liner? Be drivetime stated they can't speak with me on what was done to my car before I purchased it. SMH. I have tried to call a corporate office and just continue to get consumer relations department. So, I am stuck with repairs that I did not do!!! XXXX I have used Drivetime for years and even referred friends and family. Never no more Date of experience : XX/XX/XXXX Edit Reply from DriveTime Used Cars 7 hours ago We appreciate you reaching out. At the time of sale, we provide an XXXX AutoCheck History Report as a courtesy for each customer to maintain transparency. This report provides the history of the vehicles use, such as any prior accident records, rental or government use, registration flags, or involvement in a theft. Each customer also has the opportunity to inspect their desired vehicle both inside and out during their visit. Additionally, we offer a 5-day Vehicle Return Policy to every customer.
Consumer complaint received 2019-06-26
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I opened a High Yield Savings account with Synchrony Bank which was an online account with a transfer from my personal account in the amount of {$50000.00}. On XX/XX/XXXX I transferred another {$1500.00} to the same XXXX account. On XX/XX/XXXX, {$45000.00} was wired out of my XXXX account to " XXXX   XXXX XXXX '' totally without my Knowledge or approval and I have never had an account with XXXX. On or around XX/XX/XXXX, someone transferred out {$14000.00} ( which is more than would have been in the acount ) to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX which I also knew nothing about and have never heard of either bank.. Since this was a savings account, I did not look at it ( as I obviously should have ) until XX/XX/2019 when I needed to withdraw some money. I could not access my XXXX online account at that time because the account had been locked, which I also did not know. When I called to inquire about my account, I was told that my account was " Overdrawn '' by the amount of {$14000.00} and I had to make a deposit immediately to cover that amount. They followed up with a letter saying " This is an attempt to collect a debt and any information obtained will be used for that purpose ''. I have spoken to several different people at XXXX and they will not even consider this as " Fraud '' and plan on pursuing this against me.
Consumer complaint received 2023-04-10
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. (TX)

I am writing to request an investigation of my credit report that I received recently. I have identified some accounts that require further explanation and clarification to ensure their accuracy. I am not implying any wrongdoing on the part of the creditors, but I need to understand the details of these accounts better. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe that the XXXX XXXX # XXXX has violated my rights. Section 602 A of the FCRA states that I have the right to privacy. Additionally, Section 604 A Section 2 of the FCRA states that a consumer reporting agency can not furnish an account without my written instructions. 

Therefore, I request that you investigate the following accounts on my credit report and provide me with a detailed report of your findings : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I understand that you have 30 days to complete the investigation as per the FCRA guidelines. I would appreciate it if you could respond to me with the results of the investigation within this time frame. 

Thank you for your cooperation in this matter.
Consumer complaint received 2022-10-16
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. (CA)

TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (PA)

I, XXXX XXXX, filed a direct dispute with XXXX  against my false collection account with Quality Asset Recovery. I told them that insurance had paid that original medical bill. They verified that was accurate, yet did not remove the collection account from my credit report.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-19
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. (IL)

XXXX XXXX XXXX XXXX account # XXXX was removed from XXXX report XX/XX/2018 unverified/inaccurate account Transunion & XXXX please remove & delete false account immediately
Consumer complaint received 2017-05-28
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. (CA)

I have disputed  XXXX   XXXX  a number of times with Equifax  XXXX   XXXX . None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a  FULL  investigation I demand that the results be made available to me within  Five days. This needs to be expedited, all   XXXX    CRA are in violation of the l aw. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.
Consumer complaint received 2016-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The company tried to collect a debt that did not belong to me. After having no other options I paid it off to get them to stop harassing me and destroying my credit in a deal to delete the information off my account. They did n't do this, and I still paid them the money. I 've sent dozens of disputes trying to resolve this but they fight harder to keep the information on my credit than they did even trying to collect it. I have verification of the original purchased debt showing it does not belong to me.
Consumer complaint received 2022-07-05
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. (OR)

I am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays has posted my account as delinquent, damaging my credit, while ignoring my repeated attempts to get them to acknowledge and correct their failure to enter correct information on my account showing I never owed a charge from a merchant which I contested and which the merchant withdrew after I filed a XXXX  complaint against them. 
There were two improper charges of {$52.00} made by the merchant, and Barclay sent me notifications on XX/XX/2023 ( Case ending in XXXX ) that I had a provisional credit for the first {$52.00} dispute and another a notification that I had a provisional credit for the second disputed charge of {$52.00} on XX/XX/2023 ( Case ending in XXXX ). 
However, the second charge continued to appear on my subsequent monthly bills despite my telephonic requests and written requests ( my letters to Barclay XX/XX/XXXX and XX/XX/2023. 
This continued even after the merchant advised me in the XXXX  complaint that the charges had been withdrawn. 
Telephone calls to Barclays were inconclusive since none of their representatives was able to speak XXXX without such a heavy accent as to make them unintelligible. 
Barclays has never responded to my letters or given me the results of the " investigation '' the supposedly conducted into the bogus charges of the merchant which were subsequently withdrawn by the merchant who made them. 
Instead, they have continued to seek payment for a charge they were reimbursed for as well as charging me interest and fees on a dispute which was resolved in my favor. 

I would be happy to provide copies of the referenced documents but the CFPB upload restrcts uploads to 10MB and they all exceed the limit.
Consumer complaint received 2024-03-04
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. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2021, I went to my bank, People 's United Bank at XXXX XXXX XXXX XXXX XXXX Every other week or so I deposit money to my checking account to pay bills. I went through the drive up ATM and deposited {$520.00}. The machine started tallying up the amount and I specifically remember seeing the counted amount of {$490.00} on the screen. The machine then proceeded to kick back {$39.00} then told me of an error and that I would have to contact my provider. Unfortunately, I did not get a receipt with the error code information. I then re-deposited the {$39.00} to my account right after which appears on my account transaction. There was no deposit for {$490.00} on my account. I circled back around to the parking lot and go into the branch to tell them what happened. They provide me with a Customer Service number ( XXXX ) XXXX and advised me that they were going to call XXXX who is the third party company that services the drive up ATM. I then go to the parking lot and call customer service and spoke to XXXX. He creates a case number for me and then sends me over via email an affidavit to file a claim advising to complete and send back. While I'm on the phone with him, in my rear view mirror a XXXX truck comes into the lot to do their process of counting fund. In my research I understand that ATM 's usually have 2 divert bins at which time, some workers do not check both and only check one bin. 

On XX/XX/2021, I proceed to a XXXX to complete the affidavit and fax to People 's United Bank which I received a confirmation of successful completion. On XX/XX/2021, I called customer service for a status and spoke to XXXX. She informed me that XXXX balanced their ATM and that they are disputing my claim because their ATM was balanced. XXXX noted that the were going to send a 2nd appeal to my bank and to check back on XX/XX/2021. I placed an additional call to customer service on XX/XX/2021 and spoke to XXXX who told me that they had sent an email to People 's United Bank and to allow a few days for processing and review since to date, they had not heard back. Today, XX/XX/2021, I receive an email from People 's United Bank indicating that they will not refund me the {$490.00} XXXX lost at that ATM for deposit.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. 

( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. 
These Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public! 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (WI)

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. Chrysler Capital XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.