davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
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. (TX)

XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}
Consumer complaint received 2018-04-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX, XXXX keep harassing me and my daughter about a old debt from 2004 that was charged off by Capital One prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}
Consumer complaint received 2019-09-09
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. (FL)

I have been a victim of ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.
Consumer complaint received 2019-09-09
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. (TX)

The following account should be removed from my credit report I do not owe this debt. 

XXXX XXXX XXXX Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX  and XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The following account should be removed from my credit report I do not owe this debt. 

Portfolio Recovery A Opened XX/XX/XXXX + {$910.00} Original creditor : XXXX XXXX and Portfolio Recovery A Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX
Consumer complaint received 2019-09-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: First Investors Servicing Corporation, Atlanta, GA Branch (AZ)

In XX/XX/XXXX I purchased a XXXX XXXX. About 5 weeks later the XXXX had an engine compartment fire that destroyed the vehicle. After the insurance company did there investigation an insurance check was issued on XXXX XXXX, XXXX in the amount of {$17000.00}. After the payment the balance was {$1000.00}. I contact First Investors Financial Corporation and set up a 50.00 a month  payment plan. After making a few payments, on XXXX XXXX an entry of {$290.00} was added to my balance owed. I contact the lender and question the XXXX and get put on hold, transferred etc. no explanation is provided. I continued to attempt communication with the lender requesting they prove the debt with a copy of my contract and/or account statements. Not wanting issues to effect my credit I requested to speak to someone in management, and after being transferred was able to settle the account for {$500.00} and agreed to pay before XXXX XXXX and management agreed to email me the requested documents. The documents never came and the XX/XX/XXXX, deadline passed.I periodically spoke with the lender over the next few months, trying to get an explanation for the {$290.00}. The lender began reporting the debt to the credit agencies despite never meeting my request to validate the debt. Frustrated watching the lender destroy my credit I contacted the lender again on XXXX XXXX and settled the account for {$590.00} verification code # XXXX, hoping I could get them to correct the credit agency reports now that i had paid the debt. The next day I received an email containing all the information I requested back in XXXX, XXXX. My complaint involves the lenders irresponsible handling of the account from the time the Insurance check was paid to them. Why did they withhold the information I requested to validate the debt from XX/XX/XXXX then provide the information in XX/XX/XXXX after I settled the debt? In the meantime destroying my credit despite my efforts to comply. I have spoke to several people about the issue since I satisfied the account on XXXX XXXX and the lender reported to the credit agency again on XXXX XXXX reporting 180 days late. In my opinion after making the payment and speaking to several employees of the lender they should correct all negative reports to the credit agency. If they would have complied with my request to validate the XXXX as required by law none of this would have happen and my credit would not have been ruined. They reported me again in XXXX. This is there error and they should be forced to correct everything they wrongfully reported to my credit!!!! I also explained to them that I am 100 % XXXX Veteran on a fixed income. My only request is they repair the negative credit entries that could have been avoided if they followed the laws protecting consumers when reporting to the credit agencies.
Consumer complaint received 2023-04-07
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. (NY)

EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Systems,Inc. (GA)

I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.
Consumer complaint received 2023-04-07
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-05
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. (WI)

On XX/XX/21 I called Transunion @ XXXX and verbally submitted an dispute with them about the inaccurate information ( bankruptcy ) on my credit file that they maintain under my XXXX #. On XX/XX/21 I called to check the status of the dispute and the lady said that it was verified as accurate. On XX/XX/21 I certified mail a letter to TransUnion requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XX/XX/21 I received a letter letter back from Transunion stating once again that the account was verified as accurate. XX/XX/21 I sent another letter requesting a REINVESTIGATION and METHOD OF VERIFICATION. On XXXX received another letter from TransUnion stating that it was verified as accurate in which I than called and spoken to a lady by the name of XXXX about their METHOD OF VERIFICATION and she stated that she couldnt give me their METHOD OF VERIFICATION and hung up on me. I called right back to now be in touch with XXXX, I spoken to XXXX and inform him to that I was calling requesting an REINVESTIGATION AND METHOD OF VERIFICATION of the bankruptcy, XXXX than stated there is no such thing as a METHOD OF VERIFICATION and to not asked for one in writting or verbally because TransUnioin will not respond to any request for one, and if I do request for one it will come back verified as accurate only. I than proceeded to inform XXXX that I will be excercising my rights by certified mail again and now with him verbally under the FRCA Section 611 ( a ) ( 6 ) and ( 7 ) in which the credit bureau must give you the METHOD OF VERIVICATION within 15 days of your request and that any automated response or e-Oscar verification is unacceptable and if TransUnion doesn't respond they are in violation of nthe FRCA. XXXX said let him talk to his but instead he hung up on me.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: ADP Inc. (TN)

XXXX is a company used by XXXX XXXX. I have had XXXX deposits not get there. It is in adp. Which is a connected distributor to XXXX. I did get a deposit on the first XXXX card One that is only good for 20 days. I got the other one activated it. I have not got a deposit since. I call hr and ADP each blame each other. On the XXXX XXXX  card website. All my direct deposit info is correct. Still no deposit. Why is it a problem? 
Thanks. 
XXXX XXXX. 
XXXX
Consumer complaint received 2018-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Capital One Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2022-10-18
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. (TX)

The following inquiries below are unauthorized And I contacted the credit BUREAU EQUIFAX IN REGARDS TO THESE ITEMS XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX 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 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi Transunion has a 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 XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Synchrony accounts with promotional balances without a convenient or efficient way to make and apply payments to promotional balances without calling in. Multiple attempts at having Synchrony apply the payments to promotional balance to avoid paying interest when not paid by promotional balance due date. After calling several times waiting due to high call volume, I spoke to a representative who assured me the payment would be applied as I intended yet they applied the payment to the incorrect account. After calling again, I have been advised that it will take up to two weeks to apply correctly. I am writing this complaint as a consumer as many would not be aware of this and cause unnecessary interest being collected when there are more than 1 promotional balance accounts. This is wrong and must be fixed. Payments made are automatically applied as they want and the consumer has no control or method to apply payments to the accounts directly. Thank you.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I was offered a settlement for the outstanding balance on my vehicle loan through XXXX XXXX XXXX XXXX. There Attorney 's contacted me and we agreed on settlement of the account in the amount of {$2000.00} " Account XXXX. XXXX '' The attorney 's file number is # XXXX. XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TN XXXX Telephone : ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX. I paid this settlement off on XX/XX/2023. XXXX and XXXX have removed the account as delinquent but Experian keeps saying that XXXX keeps reporting it as a delinquent account.
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I am unable to send payments using my credit card, using VENMO. The payment is for my mother to help pay for car insurance. I would not want her to revive any over draft fees from her bank. I would like to resolve the issue as quickly as possible before the holidays. There explanation for the reason my account is that I needed to wait or use PayPal.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that an unapproved credit inquiry be taken off my credit record. I discovered an inquiry on my credit report that I had not approved when I obtained a copy of my credit report. XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

Company is XXXX Ive been dealing with fraudulent activity for a while now and there was charges done without me knowing or consent this company had made it difficult to where they freeze my account and made it to where I became late and effected my credit history as part of few other cards and crisis Im currently experiencing.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

welcome I have an account with PayPal for about a year. I have been working hard with it. I have not violated any of the company 's policies, but a temporary restriction was made on my account and they asked me for documents to prove identity and information about my work, but I was surprised that my account was closed for no reason with an amount of XXXX dollars
Consumer complaint received 2023-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-18
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. (CA)

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. 
XXXX XXXX  XXXX Balance : {$4800.00}.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

transunion suspended my online account for some reason and will not unlock it. tried calling and it looks like they blocked me from calling as well. i called about XXXX different numbers and still blocked. not sure whats going on