davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (IL)

In accordance with the credit Reporting act XXXX Account XXXX XXXXXXXX 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 2023-07-18
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: EQUIFAX, INC. (WI)

I pulled my credit report and found that XXXX has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to my credit report.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

My friend and I ordered a commission from a user on XXXX on XXXX XXXX. This payment was made through PayPal, with both my friend and I splitting the payment of {$25.00}, {$27.00} including tax. We never received any update over the past months. I messaged the user on XXXX on the date XXXX XXXX and still did not receive any information on the product being made. Today, XXXX XXXX I went look at the user 's profile only to find it was deleted off of XXXX. I put in a dispute only to find that I can not because it was sent through PayPal 's 'Friends & Family ' policy ( which the seller told me to pick ). I would like to get my money back if its not possible then mainly my friend 's money. Simply, whether it was sent through business or family/friend, scams can happen from anyone claiming to be friendly or family. Thank you for taking the time to oversee my issue.
Consumer complaint received 2019-11-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have student loans with Navient beginning in 1990 while attending grad school. I have been in contact with Navient and have notice that my original balance of XXXX has sky rocketed to over XXXX XXXX dollars? They have added new balances, manipulated loan balances, and changed my interest rate several times without my permission. They will not allow me to start repayment options, only offering deferment, or forbearance. My original loan documents have fixed low interest rates that I agreed to and signed. Navient has added new balances, and consolidated my loans without my permission. I can not pay this new balance over XXXX XXXX dollars. My loans were originally with Sallie Mae. When Navient took over my loans they changed, and they started manipulating my interest rates, and payment options, and balances. They tell me that they do not have my original paperwork isuued from Salli Mae. I don't know what to do. I am now facing repayment, and my job as a XXXX will not allow me to pay this large debt off? They are crooks, and I need help!
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (PA)

Here is a copy of the email I received XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, Utah XXXX  XXXX, Thank you for applying for a XXXX issued credit card through www.avant.com or another third party provider on XX/XX/2022. Your application has been closed and we can not issue you a card at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

If you would like a statement of specific reasons why we were not able to issue a credit card to you, please contact the application review manager at the address or email shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX c/o Avant Attn : Customer Support - Card Application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Information Obtained from Third Parties Additionally, our credit decision may have been based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 


Sincerely, XXXX, XXXX XXXX XXXX, Utah NOTICES : FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : FDIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 


XXXX*This also showed up on my credit reports. I never applied for this credit card. I emailed Avant and was directed to email you. Now what?
Consumer complaint received 2022-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-23
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. (MD)

This XXXX XXXX XXXX XXXX account was taken over by XXXX XXXX XXXX, XXXX. My settlement with XXXXXXXX XXXX XXXXXXXX was agree to by both parties and upon full payment of our agreement, the XXXX  XXXX Account derogatory information would be permanently removed from my XXXX, TransUnion, XXXX, XXXXt al credit bureau reports files. 
In the past year and a half or so, I have spent well over {$1500.00} on credit repair companies, XXXX XXXX and XXXX, to have XXXX XXXX XXXX  delete all of their derogatory credit bureau report information reported to XXXX, TransUnion, XXXX, et al credit bureau, to no avail. 
XXXX XXXX XXXX  sold my account to XXXX XXXX XXXX, and I paid XXXXXXXX XXXX XXXXXXXX the full agreed to amount, and XXXX XXXX XXXX  refuses to remove their derogatory information from all credit bureau report files, even though they sold my account to XXXX XXXX XXXX. 
Once I paid XXXXXXXX XXXX XXXXXXXX in-full, then my original debt was completely paid off, as agreed to by XXXXXXXX XXXX XXXXXXXX and myself!
Consumer complaint received 2022-10-26
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. (TX)

There was a collection opened under my name on XX/XX/XXXX. It is for an apartment complex that I have never lived in. I filed an Identity Theft Victim 's Complaint and Affidavit with a notary public on XX/XX/XXXX and sent it to the credit bureaus for investigation.
Consumer complaint received 2022-03-23
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 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 fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
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. (CT)

EQUIFAX is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EQUIFAX is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give EQUIFAX a written notice to report on my behalf. EQUIFAX is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

EQUIFAX is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc. (OH)

I called Finance systems of Toledo in XX/XX/XXXX to ask why they reported the closed/paid collections account on my credit report in XXXX of XXXX when this account was paid and closed XX/XX/XXXX of XXXX but the closed date was updated to XX/XX/XXXX and then XX/XX/XXXX. I was advised by a XXXX that he would give me a call back after he looked into the matter. I looked at my credit report in XXXX of XXXX and they updated this accounts closed date to XX/XX/XXXX. They are reaging the debt by doing this. I reached back out to them and was advised just because you paid the debt does not mean it will be removed. I advised the representative that my issue is with them updating the closed date as if it was just closed. I explained to the representative how this is negatively effecting me and he was very nonchalant and said we cant remove it sir I'm sorry.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-27
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. (SC)

The items on my credit report was removed then added back and the investigation took more than 30 days. The items were removed from my credit report and I have documentation attached to prove it.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

On XX/XX/XXXX I inquired about a refinance loan with Loan Depot. I own a condominium in a flood zone and have learned that most lenders wo n't approve a loan unless the HOA has a master flood policy. Mine does not. I specifically told the loan agent that I was not interested in beginning the application process unless I was assured that the lack of the master flood policy would not be an issue. On Sunday XX/XX/XXXX I received an email from LoanDepot thanking me for my application and advising me that my disclosures were available. That afternoon I forwarded the email to the loan agent reminding him that I was n't interested in an application unless I could be assured that flood insurance was not an issue. On Monday XX/XX/XXXX the loan agent forwarded me an email the Director of Transactional Management issued on XX/XX/XXXX stating hat they could not accept a loan with me because the HOA did not have sufficient coverage. I acknowledged receipt.
On XX/XX/XXXX I received a package in the mail containing a fully completed application with all my financial history and credit reports from the three bureaus. I did not authorize any of this. I was shocked and furious that my sensitive financial information was floating through the U.S. postal service and that my credit was pulled without my approval.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/1798 Basic Attention Token and XXXX Bitcoin disappeared from my Coinbase account with no record of any such transactions. This amounts to over {$2000.00} lost by the company. I have tried calling them over 10 times, and the only people they let me talk to are low level customer service reps who barely speak English that have no idea what is going on, and they refuse to transfer me to anyone who could help. I have tried emailing them numerous times and I have only ever received automated emails in response.
Consumer complaint received 2017-08-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

The USAA FEDERAL SAVINGS BK policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. USAA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, USAA has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services (GA)

I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT. 
I DISPUTED THIS ACCOUNT WITH XXXX XXXX AND XXXX. XXXX DELETED XXXX OF THE CHARGED OFFS ACCOUNTS BUT NOT THE THIRD ACCOUNT. THIS IS DAMAGING MY ABILITY TO GET A JOB.I DO NOT OWE ANYONE
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (CA)

I was attending XXXX XXXX XXXX and was granted a Student Loan with ACS Education Services in XXXX. At one point I was late on making a payment. This account with ACS Education Services was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted ACS Education Services in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between ACS and myself stating that they will remove negative remarks from credit report. ACS replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (CO)

I have made several attempts to pay my credit card bill in the amount of XXXX. I have been calling for two weeks and they refuse to process my payment. Their reasons are, the payment portal is only for selected people to pay online, the system is upgrading to a security option that will not accept any forms of payment. They could not provide me with a way to pay my credit card bill. I told them i have made a payment to them over the phone on XX/XX/2022, in the amount of {$250.00} that payment was made though my XXXX XXXX Account. Why is it an issue now, nothing has changed.
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights under 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 an account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer The credit bureaus stated my account was properly investigated but how is that possible when all bureaus are reporting different information such as The account number is different, The monthly payment is blank, the last payment made on XX/XX/XXXX but the payment history reported that I paid OK until XXXX of XXXX, The payment history of 120 days late is reported XXXX times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the date closed is different, The balance is different, and the pay status is different. All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. I have also filed an identity theft report because this account does not belong to me. 

This ground for removal they also violated my rights under According to 15 U.S.C 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} ;
Consumer complaint received 2017-08-21
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)

please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, XXXX and transunion are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.