davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXXL XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX UNIT XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (AR)

GM Financial which is my loan leader has violated my rights a consumer under the Truth in Lending Act. Pursuant to 15 USC 1605 ( a ) GM Financial is in violation of charging a finance fee for a loan which is illegal under the Truth in Lending Act. GM Financial has also violated 15 USC 1605 ( a ) ( c ) which states that auto insurance is suppose to be included in the finance charge. According to the law GM Financial is also in violation of 15 USC 1635 ( a ) which state that the consumer is suppose to be notify of their rights to recession. I have attach documents for proof of violations.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I filed a claim against a seller with paypal against a seller who scammed me for {$47.00}. They agreed to the refund, but I had to send the product back by XX/XX/XXXX. I was having issues sending the product back in time, so on XX/XX/XXXX I called paypal and spoke with XXXX, who promised me she would extend the time frame to send the item back by two weeks. While I do not have a recording of this, paypal records all of their calls to 'assure customer service quality ' so they should have this information. 

One day later, the case was closed against me because I didn't send the item back. I called paypal again, wasting hours of my time on call just to be told that even though the support agent promised an extension, they could not honor it. 

They suggested I file a complaint with my credit card company. This should not happen, as Paypal promises it's customers protection against fraud. By denying me of this service ( at their own fault ) they are breaking the contract of terms on which i do business through them for.
Consumer complaint received 2022-03-04
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)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.
Consumer complaint received 2019-04-02
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. (IA)

EXPERIAN I have disputed 4 times for the XXXX XXXXXXXX XXXX charge off is shows a balance is not allowed to shows a balance it keeps coming back verified with Experian It sent XXXX XXXX a VOD they did not respond EXPERIAN refuse to investigate the matter again. 
XXXX is a 3rd party medical Collection EXPERIAN say they verified this to them I sent 2 VODs to them they did not respond to me nor did they respond to the other 2 XXXX, XXXX  so they deleted it I have sent them paperwork on it and everything they will not fix this
Consumer complaint received 2019-04-02
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: JPMORGAN CHASE & CO. (GA)

XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called Chase Bank, they said the would take care of it. I later called XXXX and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male Chase representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of Chase sending me bills month after month, asking for payment of a mortgage I don't have.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : Also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency May make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MarkOne Holdings, LLC (CA)

Mark one financial contacted friends and family members of mine and I know that it's against the law to get repeated calls back to back or even giving out personal information without proper verification. This company embarrassed me for telling people they're going to take my car away if I don't pay.
Consumer complaint received 2019-04-02
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. (WV)

COMPLAINT on XXXX, Equifax, XXXX : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit 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. (NY)

On XX/XX/XXXX an order was placed online on my XXXX XXXX account for the amount of {$940.00}, which was not done by me. I called immediately to report this charge and spoke to the fraud department. I was told my card would be cancelled and I would be issued a new one, which was done. I was told that the charge would be removed during the investigation process. I received a letter from XXXX XXXX   asking for what happened along with a copy of my picture ID. I mailed that back. I called XXXX XXXX and my correspondence was received on XX/XX/XXXX. I started called XXXX XXXX in XXXX because the charge is still on my account and due to the charge my monthly payment is higher and the interest being charged is also higher. I have called numerous times trying to get this issue resolved because I shouldn't have to pay a higher monthly payment and higher interest rate for something that I did not purchase. I keep getting the same response that it is under investigation. I was told the second time I called that it takes 7 to 10 business day. I called today XX/XX/XXXX and was now told it can take 90 days. During this time I still have to pay for this fraudulent charge, which should not be the case.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NJ)

my card has been in use for 16 years. used for business and personal transactions. account was closed with a letter sent to my home on XX/XX/2022 with no discussion with any one in the company. flawless credit history for over 16 years.
Consumer complaint received 2019-04-13
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. (VA)

XXXX XXXX XXXX XXXX/XXXX XXXX have received payment for all students loans account under page 4 section B of the promissory note regarding payment to XXXX XXXX from XXXX. 

Equifax has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.
Consumer complaint received 2019-04-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weltman, Weinberg & Reis Co., L.P.A. (MN)

I co-signed a student loan for my former son-in-law. This company entered a charge off on my credit report despite the fact that I have paid them monthly for 5 years, without missing a payment. It is my understanding in order to put a charge off on a person 's credit report there has to have been 6 months of missed payments. I send each payment by certified mail so I have the signed receipts to show the payments have been received, also my canceled checks.
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Yesterday XX/XX/XXXX18 I tried to apply for an income based repayment plan. I went to student loans.gov. However the link to IRS did not work. I seem to remember this was a problem last year. I this still a problem? I was able to upload information to my to Navient as a paper application.
Consumer complaint received 2019-04-02
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-08-19
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. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX R XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2019-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

XXXX 's business practices are shady at best. Online correspondances are deleted from the site, forcing me to save every document separately. In regards to PSLF payment tracking, I have been forced to change to XXXX because they are the only servicer available for PSLF  candidates. Every year when I submit my employment certification they mess up my tracking and either refuse to approve my employment dates, or use the wrong dates that are not even included in the application submitted. I truly feel they are intentionally messing up these applications to put borrowers behind in making their 120 qualifying payments and avoid standing up to their end of the program. With my current submission, the initial application was approved for the wrong dates. When I resubmitted and asked for them to look at the application dates again, the same application was rejected. How can they approve and then deny the exact same application if something isn't going on? I have been working on correcting this issue since XXXX and have yet to receive a satisfactory response from XXXX.
Consumer complaint received 2019-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (GA)

This debt was a result of identify theft and is NOT a valid debt owed by me. The collection is reported on my credit file with XXXX. I contacted the original creditor XXXX XXXX in XX/XX/2018 and the current debt collection company ( RentDebt Automated Collection ). My documentation supporting the dispute such as a police report, filing with the FTC, letter to the original creditor and ID, etc has been provided to the debt collection company and XXXX ; however, the collection company maintains the account status is valid debt and the collection remains on my XXXX credit file.
Consumer complaint received 2022-08-19
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$630.00} XXXX  XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2019-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Been having credit problems. Tried to close accounts but cant.Now my credit scores is low. Am a father with XXXX lovely children. Tierd of paying rent. Me as a father just want to have my own home but all these hard inquiry wont let meget a loan any where. 

P.s please help me with my credit
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (MN)

I was advised to close my account because someone wrote a check And forged my signature a {$44.00} check I opened another checking account with new number and closed the old account Being a senior citizen ( XXXX ) and knowing almost nothing about banking I asked and thought I was told my bills coming in to my old account would be sent to my new account Boy was I in for a surprise all 20 or more bills automatically send to my old account were returned as account closed I was hit with returned check fees galore and the worst was gas company who threatened to turn of my gas and pay only in cash No checks I incurred many late fees $ XXXX- {$37.00} because of this Times 20 my fixed retirement income will not support this at all
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (NJ)

I submitted a complaint to Vanilla Gift Cards for a {$220.00} gift card that was used by someone else. I submitted a complaint to the company Case ID / XXXX and after many months of being given the run around, I was told that the charges were more than 6 months old so they would not refund the amount.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MT)

Trying to temporarily unfreeze my credit. Equifax website is not working properly. Trying to do this over the phone is a joke. Way more of a pain than XXXX XXXX and XXXX. 
After asking a ton of questions they still claim they can't confirm my identity. Very frustrating.