davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (NC)

The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( Transunion and XXXX. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my 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 XXXX. 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 n 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 us 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (PA)

Pay pal has held funds without my authorization in violation of the Electronic Funds Act. I sold United States Gold under the Mines and minerals act of XXXX. Paypal, has held funds for two buyers in the same name of XXXX under my account. I have not received payment for gold sent to : XXXX XXXX and XXXX XXXX. Paypal and XXXX both elected not to file seller protection claims. Paypal and XXXX wrongful action is recorded in a telephone conversation on XX/XX/XXXX. 

Transaction details Print XXXX payment received from XXXX XXXX XX/XX/XXXX at XXXX XXXX PDTTransaction ID : XXXX Payment Status : ON HOLDShipping Status : SHIPPED Payment Type : Mobile Payment Amount on hold {$81.00} USD Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, KS XXXX United States XXXX Confirmed Add tracking infoPrint packing slip Seller protection Eligible Eligible when you ... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Follow the requirements for seller protection. 
Track your shipment XXXX XX/XX/XXXX at XXXX XXXX  PDT Sent by USPS Edit tracking info Transaction Activity Details Gross amount Fee amount Net amount XX/XX/XXXX Temporary Hold Details - {$78.00} USD {$0.00} USD - {$78.00} USD Order details Quantity Price Subtotal Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ten-ounce Coin 1 {$81.00} USD {$81.00} USD Purchase Total {$81.00} USD Payment details Purchase Total {$81.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$81.00} USD PayPal Fee- {$2.00} USD Net Amount {$78.00} USD Reversals - Please be aware that this payment can still be reversed ( e.g. if it is subject to a chargeback ), even after you have sent the item ( s ) to your buyer. Complying with PayPals Seller Protection and following the trading guidelines on our Security page helps to protect you from things like chargebacks. 

Paid by XXXX XXXX ( XXXX ) The sender of this payment is Verified Payment Sent XXXX CustomXXXX  Need to contact the buyer? 
Log in to your XXXX account and go to order details. 

XXXX XXXX XXXX XXXX XXXX PayPal. All rights reserved.PrivacyLegal
Consumer complaint received 2018-11-04
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: EQUIFAX, INC. (ME)

For 3 months now I have disputed collections activity on the Equifax web site. Three times now I have recieved notification that my disputes have been resolved by email. There is a link included to check the status using the 10 digit number given when the dispute is submitted. For 3 months now I have tried to access the Equifax site and I get an error message that says my credit file can not be located. Each time I have had to call Equifax and end up getting someone in another country that I can barely understand. Each time I have had to ask for someone in the United States. When I finally get an Amercian on the phone, they tell me there is no reason for the error messages as they are asking me the same questions on the phone and it comes right up for them. THe Equifax web site wants me to sign up for one of their products and I will have access to my credit report and the results. I am not going to purchase anything to check on the status of my dispute. Both XXXX  and XXXX have removed the collections from my credit report because they were paid directly to the creditor as part of an injury lawsuit that I won. Equifax has not done anything to remove those items. It has been 3 months and I should not have to go through this additional stress they are putting on me. They need to get their web site fixed so people can get the results of disputes and see their credit report as XXXX XXXX XXXX do. I am tired of getting the run around with this company. They need to be fined or have their business license revoked. When asking when the web site will be fixed, the response is always we don't know and can not predict when it will be done. There is no excuse for a web site to continue to encounter these errors for 3 months or more.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (MD)

My complaint is to creditor, NCC Bus Sv, which I was never notified of this ridiculous amount they claim I owe which is {$4500.00}. Last year XX/XX/2017 I vacated XXXX XXXX XXXX my rent was XXXX plus late fees 5 % which leaves XXXX, I left the apartment 2 months prior to my renewal date which was XXXX due to rodent issues. I was never contacted by this company thru mail or by phone, this year I got a copy of my credit report and it states that I owe this outrages amount which is twice as much I owed for rent plus the late fees, I want to know where did they get this outrages amount from.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 


The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Incorrect addresses and names are being reported across my experian report. Ive mailed in multiple letters verifying my current address. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX! Delete all others. They do not belong to me.
Consumer complaint received 2018-11-03
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: Experian Information Solutions Inc. (IA)

I have contacted all 3 Credit Bureau 's regarding the reporting of inaccurate and unverified information that they are continuing to report on my reports.

I have been disputing information on my credit reports regarding a public record " Bankruptcy '' and collection accounts that remain unverified through the main sources such as the original creditor and with the clerk of courts. I've contacted the 3 Credit Bureaus ( XXXX, EXPERIAN and XXXX ) about a  bankruptcy appearing on my credit report from XX/XX/XXXX. 

I also asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX, which by way I have a " SECURITY FREEZE '' and is a affiliate credit reporting agency. Under the FCRA laws, all reporting agencies MUST receive their information directly from the creditor/court of the account if not then it should be removed from my credit report. 

As you can see in the attached documents provided from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. 

With the collection accounts listed below : XXXX XXXXXXXX XXXX XXXX- I  NEVER OPENED AN ACCOUNT WITH EITHER THE ORIGINAL CREDITOR OR COLLECTION AGENCY WE ENERGIES- UNVERIFIED UTILITY ACCOUNT XXXX XXXX- I NEVER OPEN AN ACCOUNT WITH THIS COLLECTION AGENCY DURING any time of XX/XX/XXXX These accounts have been disputed since XX/XX/XXXX-XX/XX/XXXX & still no documents has been submitted to me verifying the information stored in my reports are indeed accurate. 

All of the accounts mentioned have not been properly verified with a contract bearing my signature, so I demand that they are deleted as per : FCRA LAW Section 623, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) and FCRA Section 605 ( c ) ''If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and off my credit reports.
Consumer complaint received 2021-04-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SOUTHWEST FUNDING, LP (TX)

The lending agency gave there word and said they could get the deal done. I went above and beyond over 90 days to increase my credit, pay off all debt and have the available funds for down payment. They decided 3 weeks before closing that they couldnt do the loan and admitted they never even submitted my information to the underwriter. I am already living in the home as the sellers agreed on a 90 day lease back and I now have 3 weeks to move out and try find a rental home. I have already put {$15000.00} into the house plus 3 months of rent going off the lending agency saying I was approved and the deal would be done. What a complete waste.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.
Consumer complaint received 2018-11-03
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. (PA)

After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: First Data Corporation (TN)

I had no funds on the card and received a service fee of {$4.00}. When I tried to send an email to cancel the card at the company website I found out that the user can only call the company or mail in a letter.
Consumer complaint received 2019-03-30
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. (MD)

I first found in XX/XX/XXXX that my SSN was compromised, and have been diligently watching my credit history ever since. On XX/XX/XXXX, when I tried to check my credit report at XXXX, XXXX XXXX report was pulled after I provided my SSN and other identity information. From the report, I found that XXXX XXXX ( a.k.a XXXX XXXX or XXXX XXXX XXXX ) in California opened 18 accounts with 11 different financial institutions using my SSN in the past 11 years. I did not open or authorize these accounts, and have requested all relevant institutions to close those accounts immediately. 

I sent a letter of explanation to XXXX on XX/XX/XXXX, requesting it to separate the ID thief 's information from my SSN. I never received any response from them other than my own credit report.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2023-03-21
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Neon Newco Corporation (CA)

XX/XX/2022 : I received a debit card on XX/XX/2022 that I did not apply for. I attempted to call the Netspend customer service number and was unable to talk to a representative during a 30 minute wait time. I called 5 times with waits of over 15 minutes, and still to no avail. There is no fraud number available to reference to in the caller menu, as I was attempting to report this account as fraudulent.
Consumer complaint received 2018-11-03
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: CORELOGIC INC (FL)

I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (OK)

I still have phone call or lathers to ask me to for pay back money I didnt used it. All ready I reported to XXXX  about fraud ( someone its been use my informations ), and my credit its worst.
Consumer complaint received 2023-03-21
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. (CA)

In accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts were properly investigated but how was that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reporting is inaccurate, that is grounds for removal and they also violated my rights under the 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 Section 2 : It also reports consumer reporting agencies can not furnish a account without my written consent.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Hi, I have my bills online with my BestBuy / CitiBank Visa credit card. 

On XX/XX/XXXX, I happened to notice a reoccurring charge on the XX/XX/XXXX of each month. 
Just a line with XXXX. 
I could only go back 6 months online. 
It was there each month. 
I decided to click the charge to expand it so I could see what it actually was. 
It stated Credit Life Insurance Fee. 

I immediately called the Credit card company. 
I asked what is this charge on the XX/XX/XXXX of every month? 
I then asked how long this has been going on? 
She said since XX/XX/XXXX. Which is when I signed up for this card inside a BestBuy kiosk when purchasing an item. 

I let them know that I was extremely unhappy about this and that they need to cancel this Service immediately. They did. I also stated that I want to know the grand total they have ever charged me on my card for this service - that I did not sign up for or want. Then I want a complete refund. 
The person on the phone was XXXX. 
She said we might be able to give you a full or partial refund but it could take up to 30 days to review. 

In the meantime I researched online and saw that this same issue was national news a few years ago. The article stated that Citi was to pay back consumers {$700.00} million in refunds. 

I was never contacted bu Citi or BestBuy. 

I found the CFPB listed in an article for consumers to contact. 

Today, XX/XX/XXXX, I received a statement from BestBuy/Citibank. 

Simply stated that I purchased this on XX/XX/XXXX. Therefore no refund will be paid. 

They also did not provide what I asked for, which was how much much have they charged me in total? 

Can you please advise on how to get my money back? 

Extremely discouraging that even though they were ordered to repay consumers for the very same issue that I discovered on my card, and that I have been a stellar customer for them ... they did not act in a reputable way. 

Thanks, XXXX