davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
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. (GA)

On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (OH)

XX/XX/XXXXXXXX XXXX XXXX I chatted with an agent about my card and unauthorized transactions. The agent started a dispute process and asked me was the charges she was disputing unauthorized I told her yes. Today XX/XX/XXXX I received an email saying my dispute was denied. So I looked into it and seen that put transactions on the list that was not suppose to be disputed at all. They are very unorganized and purposely denying a claim. If you read over the chat I did not put the 2 claims into the disputing transactions. I want my claim reopened
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

XXXX XXXX 19 Citi Credit Card has not .Relayed all payment to Credit Bureaus. 
Thru out entire Credit history period with CITI CARD ..It causes a bad Reflection on my Credit Score .Citi provides Card Members free credit scores Provided thru XXXX .The last 6 month score 740 '' s currently XXXX and Same period.. 
XXXX provides free credit scores via my long term CREDIT UNION as a member has shown a 50 point difference ..800 's Considering closing my Citi Card
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)

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 

XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan XXXX Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 

XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX Code XXXX  ( Original Creditor : XXXX XXXX XXXX ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion XXXX suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ( b XXXX. Delete account immediately I demand you to delete this account within 4 days!!!!! 

XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft XXXX XXXX
Consumer complaint received 2019-04-26
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. (IN)

Transunion 's Rental Verification department is reporting the negative items below. The items do no belong to me. I wasI the victim of Identity theft. Please see the F.T.C report attached. I am requesting the items be removed immediately. 

XXXX Apartments : XXXX Apartments : XXXX at XXXX XXXX :
Consumer complaint received 2023-07-26
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. (IN)

Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (IN)

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX/XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.000
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. (MI)

XXXX is reporting two accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof, XXXX refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.
Consumer complaint received 2019-09-23
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: EQUIFAX, INC. (IL)

On XX/XX/2019, I had called XXXX, Equifax, and XXXX to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Different addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (PA)

I have been running late on some of my payments XXXX Santander I calling me on Sundays telling me they are a debt collector I asked them to stop calling me on Sundays and they still continue to call I have never missed a payment with them its been late several times but not more then 29 days late they still continue to harass me. I called them to see if I can skip a payment however they said the loan is not old enough I also asked if we can change my due date and the would not help with that either. They are also charging me over 20 percent interest on my auto loan and late fees if the car payment is not paid on the due date.
Consumer complaint received 2020-06-07
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2022-06-14
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. (GA)

In accordance to the FCRA, Equifax violated my rights under 15 U.S.C. 1681 section 602 A, which states I have the right to privacy. Also 15 U.S.C 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written consent. Below are a list of inquires I did not give my written consent to publish. 

XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX USA ACCOUNT # XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hiday & Ricke, P.A. (NC)

I paid off debt on a bodily injury claim filed on my credit reports as XXXXXXXXcounty court in XX/XX/2018 and not notified yet and still shows on all my credit reports
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

You are reporting fraudulent activity on my consumer report. I will attach a copy please remove this accounts that I'm not aware of. I don't recognize this business nor have I made any contract with them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$670.00} Balance updated XX/XX/2022 the collection has been reported as past due balance. 
I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. 
XXXX XXXX XXXX XXXX keeps harassing me, calling me daily, there are no late payments, nor reported amounts have reported to the credit report.
Consumer complaint received 2019-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Oracle Financial Group LLC. (FL)

A guy name XXXX XXXX from Oracle 's financial debt collection told me I had to pay XXXX or the court will garnish my wages I block his number because I know I dont owe the XXXX XXXX XXXX no money then the next day a woman name XXXX XXXX said she was his boss and that she from finalization and she need the money or the court will see me I dont know how these scammers got my information my address my phone number my email I dont know how I am very upset I'm gon na to the cops!!!!!!
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I requested all 3 reports in XX/XX/2018. I received XXXX and XXXX reports, but not Equifax. I went to the Equifax website and chatted with someone. They said I should call the service department. I called the service dept. They started by asking reasonable identifying facts ( about 4 ) Then they started asking about my credit cards in force etc. It was clear that they were digging for financial information and not dealing with my request ; so I hung up. 

I only want the 2018 year end report.
Consumer complaint received 2019-04-26
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. (CA)

On Transunion, XXXX and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX XXXX acccount # XXXX derogatory remarks hasn't been removed. 
XXXX is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of XXXX days still on credit reports. 
As Transunion, XXXX and XXXX are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to XXXX.Please review XXXX XXXX statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to Transunion and XXXX I sent a email to creditor Legal Counsel XXXX XXXX XXXX XXXX XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on XXXX XXXX
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AutoMoney, Inc. (SC)

I took out a loan for XXXX on my car title. The interest rate is high and they said they will draft it out but always did it late. They call me days after the payment is due now I have late fees and the XXXX dollars they take is just late fees and interest. Called them and asked why my payoff is still over XXXX dollars. The lady said because of late fees and I told her I have a card on file and the money was suppose to be taken out every month. She told me that they can't do automatic draft. I told her you'll been doing it all the time but just late. I ask to speak to the manager and she said I will have her call you. It is 2 months later have not heard from the manager and every time I call she is not there. I been paying on this load over 6 months and I still owe them more money than I borrowed.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Quantum Servicing Corporation (NC)

Under the FDCPA Section 807 ( 8 ) : 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 c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Quantum Loan Servicing ALL have failed to report a disputed debt to the credit bureaus. 

Moreover, US Bank National Association 2015 Pooling and Servicing Agreement per the SEC show NO Transactions for the years XX/XX/XXXX-XX/XX/XXXX that will constitute a foreclosure representing that is being serviced by XXXX XXXX XXXX.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

NATIONAL CREDIT SYST Account NumberXXXX Collection Account
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Me and my girlfriend have a joint account her tax return was deposited and as soon as it was deposited the bank siezed XXXX from the account that was not my money it was hers from her tax return and the said it was to pay off my debt on accounts that had nothing to do with her. I called to talk to the bank today they said if I called to file a payment arrangement when it closed then this wouldnt happen but when I called when they closed my accounts originally they said I couldnt do payment arrangements I had to pay it in full so I didnt cause I didnt have it at the time. When I talked to them today they didnt care if it was my money her money or some stranger that I was listed on there account they would of taken the money regardless and thats not right for them to take her money or anyone elses just cause I have access to the account
Consumer complaint received 2020-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (MI)

Due to Covid I'm not able to go into a PNC branch ( I'm outside the country ) I am buying a home and need all of the funds from my account. PNC sill not initiate a wire transfer, nor will they allow me to do and international transfer through a third party website. I need the funds from my account as that is what I'm using for my down payment.