davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX CREDIT CARD ENDING IN XXXX PERSONAL CREDIT CARD XXXX CREDIT CARD SERVICES XXXX XXXX XXXX XXXX NC XXXX FIRST TO MY KNOWLEDGE SENT NOTICE OF A " BALANCE DUE '' WITH A STATEMENT CLOSING DATE OF XX/XX/XXXX FOR AMOUNT OF {$2.00} " DUE NO LATER THAN XX/XX/XXXX '' AS STATED ON C/C STATEMENT XX/XX/XXXX. 

I WAS NOT NOTIFIED PERIOD OF THIS " GHOSTED '' " BALANCE '' OF {$2.00} UNTIL XX/XX/XXXX. 

IMMEDITALLY PAID BALANCE IN FULL AND " '' '' ABOVE BALANCE DUE '' '' '' IN THE AMOUNT OF {$30.00} /PAID DIRECTLY TO XXXX XXXX XXXX ON XX/XX/XXXX BEFORE DUE DATE OF XX/XX/XXXX AS STATED ON C/C BILLING. 

LEAVING AN 'EXCESS BALANCE ' ON THE C/C ACCOUNT OF {$24.00}. 

XXXX XXXX PROCEEDED TO " '' FRAUDULENTLY WITH INTENT TO INFLICT HARM TO MY PERSONAL FIANCES AND CREDIT SCORES '' '' '' DECEPTIVE CONSUMER PRACTICES '' '' '' '' UNFAIR RESOULUTION AND CONCERN AND REGARD TO THIS ACCOUNT/MATTER. 

XXXX XXXX REPORTED TO CREDIT BUREAUS AS **INACTIVITY ON ACCOUNT " '' LATE PAYMENT '' ' " '' DECREASED ORIGINAL CREDIT LIMIT '' '' TO {$500.00} FROM {$5000.00} FOR A BALANCE DUE OF LESS THEN {$3.00}? 

XXXX XXXX FAILED TO NOTIFY ME VIA CALL OR LETTER OF ANY BALANCE DUE /AND TO INTENT TO TURN OVER TO CREDIT REPORTING XXXX XXXX CONTINUES TO PRACTICE CONSUMER DECEPTIONS " '' '' FRAUDULENT & UNJUSTIFIED CLAIMS UNDER {$3.00} " '' '' / " LATE PAYMENT '' CHARGES FOR UNDER {$3.00} / '' DELINQUENT BALANCE REPORTS UNDER {$3.00} / '' '' 'IN-ACTIVITY REPORTING '' '' '' UNDER {$3.00} INACCURATE AND FASLEY REPORTED TO BUREAUS AS A {$5.00} BALANCE AS DELIQUIENT/UNPAID/LATE BALANCE DEBT DUE.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2021-02-12
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)

On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX  were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.
Consumer complaint received 2018-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2018 I helped a friend purchase a french bulldog. The seller insisted on using XXXX but my friend couldn't get the money to go through. I offered to use mine through my bank. Collected her money, added the sellers email, who was quickly acknowledged through XXXX. I sent payment and in memo put what and who it was for. The puppy was to arrive today but when the currier called to tell them they needed {$600.00} XXXX giftcard for a proper cage and the buyer was contacted phone was turned off and buyer no longer able to be reached. I called my bank and tried to get them to do something they said nothing could be done. I contacted XXXX 's XXXX # but they said if done using the bank you have to settle issue with the bank. If my bank is going to support a company and not insure the money or protect against fraud like they would do with any other way of me paying for something then they need to help investigate this incident like they would everything else! The person should no longer be allowed to use XXXX pay they need the bank that is allowing them to use XXXX pay to know these people are criminals. I studied for my investment license recently and this seems like something that should not be allowed to go on through our prestigious banking system. I bank with JPMorgan Chase. This is outrageous that nothing is being done by my bank!
Consumer complaint received 2018-05-17
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX and XX/XX/XXXX, a representative of XXXX XXXX XXXX XXXX XXXX contacted several of my neighbors and informed them of a debt I am working to repay.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am a current XXXX student at XXXX University. All three credit reporting agencies are reporting my student loans as past due. They do not become due until 6 months after graduation in 2020. 
There is also an XXXX report in error. All payments show on time except the last one because the car was traded in at XXXX XXXX in XXXX, Texas. They did not pay off the loan for a clear title for 60 days.
Consumer complaint received 2018-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (NC)

I have an auto loan with PNC Bank Pennsylvania ( headquarters ). My car note is due every XXXX of the month and I've never missed a payment nor been late. PNC has double standards of accepting payments. I've only personally made one in person checking account payment. The rest were paid by debit card. On XX/XX/2018. I initiated contact thinking this Saturday was in fact the XX/XX/2018 and found out that I was a day late. I have explained to PNC my confusion dilemma in getting the dates mixed up and attempted to make a payment as usual by debit/credit card. PNC declined. I'm making payment from a different card than what's on file and couldn't provide the account and routing # s while on the road and PNC declined to take my card payment as I attempted to make my card payment as I've always done since XX/XX/2018 when I traded in a XXXX  for the XXXX. I filed a complaint, was promised a call back from managers who never returned my calls, went through to escalation managers and they refused to take my card payment. I've made numerous card payments over the phone as I mentioned earlier since I acquired the loan in XX/XX/2018. In fact the only major form of payment I make is by card and somehow they refused to take my card payments while it dwindled on for the next couple of days while I work out my card payment solution. I want to get out of PNC but the loan they gave me according to other banking institutions were bogus and are refusing to buy me out PNC. I have called 8 times to PNC this XX/XX/2018 at XXXX, XXXX, XXXX,, XXXX, XXXX, XXXXand XXXX respectively and XXXX to make a card payment of $ XXXX.++ ; yet no manager called me back and was transferred from department to department in the attempt to resolve my card payment dilemma yet by the end of the day, my payment was not received because PNC refused to take my card payment.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT.I RECIEVED A RESPONSE BACK FROM EQUIFAX STATING THAT THE LISTING WAS VERIFIED BY THE BANKRUPTCY COURT. I CONTACTED THE COURT AND SPOKE WITH THE COURT CLERK, AND HE INFORMED ME THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. I HAVE A LETTER FROM THE COURT STATING SUCH .EQUIFAX HAS YET TO SUPPLY ANY EVIDENCE OF VERIFICATION. EQUIFAX IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT .THE LISTED BANKRUPTCY ( XXXX ) IS THE ITEM IN QUESTION AND MUST BE REMOVED.
Consumer complaint received 2022-03-03
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: Accelerated Financial Solutions, LLC (PA)

Accelerated Financial was taking off my credit report from XX/XX/2022 to XX/XX/2022. They stopping reporting on my credit report and should not be reported again. Once the same Creditor stopped reporting an account it can not be reported again based on the Fair Credit Reporting Act
Consumer complaint received 2020-11-05
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 have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted BK court and Pacer and was advised that they do not verify BK information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any BK information.
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I researched refinancing my loan in XX/XX/XXXX. I had already gone through most of the process with a different company when I got word of Capital One Home Loans, who was offering a special discount on the origination fee, which made their product worth my time. I closed the new loan with them and made my first payment XX/XX/XXXX. It is currently XX/XX/XXXX and I just received an email from a new loan servicer that states they now have my loan in their possession. 

1. I never received a letter of transfer from Capital One - they said they sent it, it never got to me- I called as soon as their office opened XX/XX/XXXX - the day I received an email from the new loan company. 

2. I have written documentation from the loan officer that my loan would not be sold, which was the reason I stayed with this company for my refinance - he lied to me so he could make money off me. 

3. My loan estimate states on it that the intent is for Capital One to service my loan, not sell it. 

I need to know how to resolve this issue or if I need to take alternate avenues.
Consumer complaint received 2018-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Trans Union To Whom It May Concern, I sent a letter to you disputing 6 accounts as erroneous on ( XX/XX/XXXX ) and mailed I spoke to your representative and they verified you had indeed received my letter for verification. I was informed you received the letter XX/XX/XXXX It is now XX/XX/XXXX and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. I spoke to your representative and she confirmed that you continue to receive updates but have not started the investigation. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-16
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. (MO)

The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.
Consumer complaint received 2023-04-04
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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)

In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

To whom it may concern : I recently find out the account of PRA reflecting on all my credit reports hurting my credit score. I have never signed any agreement with PRA regarding the present accounts for XXXX XXXX and XXXX XXXX. Both accounts are old accounts. 

I have tried to resolve both accounts by making an offer to PRA and explained my present circumstances by providing hardship documents ( Unemployment ) The first attempt, I have sent a letter a letter on XX/XX/XXXX making an offer of what I can afford ( 1st offered a 30 % ) ( {$910.00} XXXX XXXX and XXXX {$990.00} ) to settle both accounts ( without certify mail ) but felt was totally ignored by when receiving several bills over the mail from XX/XX/XXXX to XX/XX/XXXX in response. 

A second letter was sent on XX/XX/XXXX via certified mail along with the hardship documents to attempt to resolve both accounts. ( {$1000.00} for XXXX XXXX and XXXX {$1100.00} ) They responded to me with a letter dated on XX/XX/XXXX requesting " hardship documents '' and provided a " Permanent Hardship Request Form '' to fill out and within " 30 days ''. Along with only one bill with full balance ( XXXX XXXX ) and ignoring XXXX XXXX account. I got this letter around XX/XX/XXXX via mail. I have also provided previously hardship documents. 

Within few days I received another letter ( dated XX/XX/XXXX ) but received just yesterday ( XX/XX/XXXX ) stating " The letter confirms your arrangement made on XX/XX/XXXX with XXXX XXXX to settle the account '' for XXXX XXXX account only. 

But on the mid letter section stating : " ** The Sum of Remaining Payments under Payment Plan assumes all payments are made as agreed to under the plan**, '' Under : Sum of Remaining Payments under Payment Plan : {$1100.00} for XXXX XXXX XXXX Previously offered {$1000.00} on second letter offer ) This is very confusing to me. 

Is this a payment plan or settlement? I am not looking for payment plan. I am looking to SETTLE this account, close it and delete from all my credit reports. 

Please note : I have never spoke over the phone or mail or interact with name XXXX XXXX to settle both accounts. I have checked all bills received and none of this letters reflect XXXX XXXX. I have never made any phone calls to PRA. I only wrote the enclosed letters. Please see the enclosed documents for your review as proof.

Legally, I am exempt due to unemployment. This is my third month of unemployment. Please see the hardship copy enclosed as well. I don't feel well and I cant sleep.

Also, I have find out by doing a lot of research that PRA buy old or expired accounts cents by the dollar.

I am giving an opportunity to resolve both accounts. Before considering if filing Bankruptcy will be best option of relief as I have other multiple debts, in additon that I have lost my car and endiing with another bill. 

Many Thanks for your consideration and assistance in this matter. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-03-05
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. (FL)

I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose; failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks.

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for XXXX to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of XXXX XXXX false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as XXXX, then consumers like me are not protected. We are being bullied by big businesses such as XXXX and credit bureaus.
Consumer complaint received 2018-05-17
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 am trying to close my PayPal account associated with email XXXX. 
When I submitted complaint XXXX PayPal responded that I have an outstanding balance of {$380.00}. 

However, when reviewing my account balance there is no evidence available to me that demonstrates I have an outstanding balance of {$380.00}. PayPal may prove with an itemized account statement the outstanding balance PayPal is referring to. 

When trying to review transactions these are not available, please review enclosed video. There is no evidence that I owe money to PayPal. 

I also request that PayPal to provide a toll free number for calling PayPal customer service outside the United States. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.