davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2024 Dear TRANSUION, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX Amount : {$330.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$270.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account number XXXX Party Owed : XXXX XXXX XXXX 
Amount : {$230.00} Account number XXXX Party Owed : XXXX XXXX XXXX  XXXX Amount : {$160.00} Account number XXXX Party Owed : XXXX XXXX XXXX  XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$0.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount : {$260.00} Account number XXXX Party Owed : XXXX XXXX  Amount : {$500.00} Account number XXXX Party Owed : XXXX XXXX Amount : XXXX Account number XXXX Party Owed : XXXX XXXX Amount : {$2200.00} Account number XXXX Party Owed : XXXX XXXX Amount : {$520.00} Account number XXXX Party Owed : XXXX XXXX XXXX Amount : {$200.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$580.00} Account number XXXX Party Owed : XXXX XXXX XXXX XXXX Amount : {$570.00} Account number XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND IM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-06-11
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. (TX)

Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

ON XX/XX/2021 I received two emails from from Remitly stating my request to increase transfer amount had not been approved. I attempted to sign on to my account account through the Remitly App and received a pop up message that I need to contact customer service. I attempted to call on XX/XX/2021 but no representative picked up call. Later on the same day. XX/XX/2021 I logged on to Remitly website and used the chat function. The representative told me my account had been terminated but offered no explanation as to why and refused to do so. 

I had only made three transfers. Two from an account in the United States held by my spouse and me to an account held by my spouse. The other from the same account to the landlord of a family member. 

I need an explanation as to what led to the termination of my ability to send transfers so and explanation can be offered. 

Second I need the ability to get into my account so I have access to the receipts from transfers I have completed.
Consumer complaint received 2019-06-24
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: CITIBANK, N.A. (IN)

On XX/XX/XXXX, I made an online purchase with my Citibank credit card for {$110.00} from XXXX for a XXXX  XXXX ticket on XX/XX/XXXX, order XXXX. Purchase was immediately confirmed but my mobile ticket was not received upon my follow-up call requesting it. No resolution was provided. Immediately, I filed a dispute with Citibank ; promptly providing full documentation via mail upon request. I was notified via mail received XX/XX/XXXX of my closed dispute in favor of XXXX. I called the same day requesting my dispute be reopened for review for alleged fraud. XXXX XXXX notified me on XX/XX/XXXX of delinquent Citibank credit card report sent to XXXX. I had not yet been billed for this charge since my dispute was closed. I called Citibank XX/XX/XXXX and was told my dispute was not reopened for review on XX/XX/XXXX. I asked when I will received a statement, and they said they mailed one on XX/XX/XXXX. I informed them they reported a delinquent charge illegally. They said I should write their Credit Bureau Dispute Dept. with a copy of the XXXX  report. I informed them I will not pay the fraudulent {$110.00}, and will not use my credit card, and will cancel the card upon review of this matter, filing a Federal complaint, and correction of my credit bureau report.
Consumer complaint received 2023-06-26
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: CITIBANK, N.A. (MA)

Ordered a pet confinement fence as seen on a XXXX. site on XX/XX/23. Pd with Citibank LLBean M/C Credit card. Company substituted a screwdriver set for the {$39.00} fence. No way to reach this company. Have tried. Citibank says my documentation does not support the claim against XXXX. This was purchased on the XXXX site with the Citibank LLBean M/C card. I have no further documentation. The site disappeared from XXXX  right after I posted " scam '' .I need help to recover the {$39.00} I have been charged to my Citibank Card . Dead ended by Citibank. I sent Citibank as much documentation that I had which the P.O. tracking shows Citibank received on XX/XX/23.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I received {$1100.00} reimbursement check from XXXX XXXX XXXX sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the XXXX XXXX XXXX, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.
Consumer complaint received 2020-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (CO)

I owed a debt to PayPal due to a charge that was fraudulent. There was much back and forth between paypal and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from XXXX XXXX   stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instrucciones
Consumer complaint received 2019-06-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit, Inc (RI)

In XX/XX/2016 I leased a XXXX XXXX ( VIN XXXX ). I was clear that I needed XXXX miles per year because of my commute. This was discussed in person and via email with the sales manager. My previous lease, the lease referenced and current lease are all XXXX miles. 

When I turned in the vehicle I was charged for mile overage. It was then revealed that the lease documents were tampered with. 

The lease miles were changed on the document. The document that was given to us as a copy was not the copy that I signed. The paperwork that I signed absolutely matched the XXXX miles agreed upon. 

XXXX is not taking this seriously or even helping to investigate matters, they are reliant upon us for getting email records from our previous email provider.
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, I processed a large payment of {$18000.00} through my online banking service ( XXXX XXXX  ) to pay off our credit card bill. I inadvertently sent the payment to another credit card company ( Chase Card Services ) which was my old XXXX Visa card that I had not used since XXXX. 

On XX/XX/XXXX, I realized the error I made and contact my bank ( XXXX ) who stated that the payment had already been processed by Chase and deposited into their JPMorgan account and that I needed to contact Chase to obtain the refund. 

On XX/XX/XXXX, I contacted XXXX at Chase XXXX and explained to him what occurred. He stated he would submit an inquiry using my old XXXX account and the inquiry would be completed within 14 days. 

On XX/XX/XXXX I contacted Chase for a follow up and spoke first with XXXX who stated that my record showed that there was an inquiry but there was no overpayment posted to my old account. She advised me to contact Chase customer service and gave me XXXX. I called that number which stated that that number is no longer in use and to call XXXX which tell you to call XXXX. 

I have a copy of the check that XXXX sent to Chase Card Services and the account number to which JPMorgan the holding company for Chase deposited the {$18000.00} into. 

I made an error and should have sent that amount of money via personal check rather than online and making the error. However, Chase/JPMorgan should be able to identify within 14 days why they can not post {$18000.00} to an account that has been closed and return the check as soon as possible.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MD)

I used to live in apartment complex in XXXX  and left with good terms. 
They should send me my security deposit by mail within 2-3 months after I left the facility, but never happened till today. A year after I left the appartment complex I found a mail from the collection to pay a debt of {$380.00} to them. 
I took the letter to the managment of that apartment complex and they promised to take me off the collection and send the security deposit to my new address. It has been 2 months and my credit score hurt so bad and I am still under collection for a debt I never owned for them.
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-06-11
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 sent a dispute letter to Experian dated XX/XX/2021 requesting for the chapter XXXX bankruptcy and chapter XXXX bankruptcy listed on my credit report to be validated. I did not receive a response at all within 30 days. I sent a second letter dated XX/XX/2021 notifying Experian that I had not received a response to the letter I sent in XXXX requesting validation of the alleged bankruptcies. I received Experians investigation results by mail dated XX/XX/2021. The results stated the company that reports the bankruptcies to Experian stated the bankruptcies are accurate. I sent another letter dated XX/XX/2021 requesting to receive in writing who reported the bankruptcy to Experian as I am entitled to know under FCRA Section 609. I received acknowledgment of my letter dated XX/XX/2021 by mail on XX/XX/2021. On XX/XX/2021 I received an email from Experian with their reinvestigation results stating the company that reported the bankruptcy to Experian certified that the information is accurate. Experian has violated my consumer rights by not providing me information I am entitled to according to the FCRA and Experian has completely ignored my request. Also Experian is reporting unverified information as far as I am concerned because to my knowledge bankruptcies are not reported to the bureaus and Experian has not provided me with who certified the alleged public record to them. Anyone could be reporting items about me and claim it is my alleged debt or public record. I am requesting that Experian provide me with the information I requested which is who is the company that certified accuracy to Experian including the name and phone number of the person Experian spoke with or I am requesting that this unverified information be removed from my credit report.
Consumer complaint received 2018-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (FL)

I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Subject : Request for Inclusion of Accurate XXXX  XXXX XXXX Account with a Credit Limit of {$45000.00} on Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to address a critical issue regarding the accurate reporting of my credit information, specifically concerning an active XXXX  XXXX XXXX account with the account number " XXXX XXXX XXXX XXXX, '' which was opened on " XX/XX/2019 ( 4 yrs, 5 mos ). '' This account, which carries a substantial credit limit of {$45000.00}, has not been appearing on my TransUnion credit report, despite it being the only legitimate XXXX  XXXX XXXX account that should be reflected therein. 

It is imperative to clarify that this particular account should not be mistaken for any other XXXX  XXXX XXXX account that I may have disputed in the past. The account details provided are accurate and pertain to a valid and active financial arrangement that deserves proper representation on my credit report. 

I kindly request that TransUnion take the necessary steps to ensure the inclusion of this accurate XXXX  XXXX XXXX account on my credit report. This omission not only affects the completeness and accuracy of my credit history but also has potential implications for my financial standing and future credit opportunities. 

I appreciate your immediate attention to this matter and request prompt action to rectify the absence of this account from my TransUnion credit report. Please confirm once the necessary updates have been made to accurately reflect this account with its associated credit limit of {$45000.00}. 

Thank you for your cooperation and timely resolution of this issue. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]
Consumer complaint received 2019-06-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

XXXX XXXX XXXX THE FIRM PREVIOUSLY known as XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past 6-9mos I have made numerous call and send email to to the student email and and phone number to However I have not gotten any response response XXXX nor have i gotten an confirmation email or phone confirmation when I send information I finally spoke some in loans servicing who was kind enough to give her email so we could correspondence.. 

I show that you were my Student Loan Lender and Servicer during the XXXX until 2003 when consolidation occurred. 
I would like to know the following : 1. The reason for the consolidation in 2003 as the consolidation was your suggestion. 
Its my understanding that XXXX XXXX is the lender of record and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Guarantor, Loan Servicing was transferred to XXXX XXXX XXXX ( XXXX ) in 2003, American Education Services ( AES ) is the current Loan Services. 
The 2003 Consolidated Promissory Note list Student loan Consolidation Center as the Guarantor /Lender and 3 different lenders as follows : a. XXXX @ {$41000.00} XXXX XXXX @ {$20000.00} - ( can you please tell me who the lender is as I dont recognize the name ) XXXX XXXX XXXX @ {$7800.00} Please note that I was instructed to list the above lenders and amounts by you and or the consolidator who received said information from you Im requesting to know how many loans are encompassed under each lender and the following information for each individual loan. 
1 ) Original Lender 2 ) Type of Loan ( Private or other please indicate ) 3 ) Disbursement Date 4 ) Disbursement amt 5 ) Original Int Rate 6 ) Guarantor 7 ) Consolidating ( CNSLD ) Lender 8 ) CNSLD Date 9 ) Reason for CNSLD The information should be completed on the attached XXXX XXXX. 

Please be advised that AES and XXXX XXXX dont have any of the supporting loans documents or information supporting the 2003 consolidation numbers.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2024 I requested an investigation into items that I believed were inaccurate and knowingly reported in a letter to you dated XX/XX/2024. This letter serves as a formal complaint regarding your submission of incomplete and inaccurate credit information. I respectfully request that evidence and payment history pertaining to these purported late payments be provided. As far as my records go, I have never paid past due on these accounts. The subsequent late payment information must be reconsidered due to its inaccuracy and subsequently deleted from my credit report, as it is providing false information.
Consumer complaint received 2022-12-14
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.