davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, XXXX and Transunion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of XXXX from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Consumer complaint received 2021-11-07
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 ()

PayPal closed my account on Saturday the XXXX of XXXX, due to me being underage at the time when I opened the account in XXXX, which I understand, however I would now like my money back please, as it is punitive toward me to wait for 180 days, especially when the money isnt for selling any goods and came straight from coin base, there should be no hold on my money whatsoever, as there are NO buyers involved, please let me withdraw my money within the next week, I feel appalled at paypals service and I felt saddened and betrayed when I couldnt withdraw my money as I need it for important things, etc gas money, food and bills. Please understand my situation and work WITH me PayPal by allowing, e my own money which ISNT FROM SELLING GOODS and is from coinbase so NO buyers are involved Regards PayPal Email address - XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and Equifax ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

This transaction happened XX/XX/21. I was in the process of moving and couldn't take some of my furniture with me but an acquaintance suggested they will buy it off of me and we decided to do {$10000.00} for the multiple pieces of furniture ( sofas and a few bed sets ) that were going to be left behind. I agreed and said we should do the transaction through paypal since it is safe for us and I keyed in their card information so the transactions goes through and I understand it is safe for both of us to do it as for goods in case of any issues in the future so I understood there would be a fee paypal would take. They right away suspended my account and I refunded them their money since paypal was being hard to work with. I got an email from paypal to submit proof and since this deal is happening in person with someone I knew, I tried the best to explain the situation with paypal. On XX/XX/21, I got an email from Paypal saying I can no longer do business with PayPal and that my account is permanently limited but this doesn't make sense at all. I even had a few dollars in my account sitting. I contacted paypal again to push this issue to a higher up and was told someone will contact me within 48 business hours. It is now XX/XX/XXXX and no one has ever contacted me from Paypal and my account is still locked.
Consumer complaint received 2021-02-14
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (MD)

RewRez loan the balance on my loan is {$150000.00} but in my credit report it has been reported that the balance is {$150000.00} i have been writing to the this mortgage companying to correct, so that my credit will come up but they have refused. just to keep my credit low. 
And they have also reported that i am on forbearance which i am not and for about 8 months i have been writing them to correct that. more than 5 mortgage company have refused my refinance process because of this. 
my credit has gone down because of this. 
This is not a mistake it is a deliberate act to make it impossible to get a loan approval for refinancing.
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: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-07-05
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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

RE : CREDIT CARD DISPUTE CASE # XXXX Capital One Card Center, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam : On XX/XX/2021, XXXX, a capital region of the XXXX was originally placed in a 2-week total lockdown due to rising cases of delta variant. At that time, various check points were placed at different locations to restrict peoples movement. In the subdivision where I reside, residents were confined only within its boundaries. In addition, curfews from XXXX XXXX  to XXXX XXXX  were strictly enforced throughout XXXX XXXX. There was simply no place to go. 

On XX/XX/2021, thinking that the lockdown will end on XX/XX/2021, I made a room reservation at XXXX XXXX located in XXXX through a booking company XXXX. The reservation is for XX/XX/2021 with free cancellation until XXXX XX/XX/2021 at XXXX XXXX. 

Notwithstanding, the lockdown did not terminate on the date it supposed to end rather it was extended for another 2 weeks and later extended until XX/XX/2021. Thus, XXXX was in lockdown from XX/XX/2021 to XX/XX/2021 where hotels were closed to the general public. 

On XX/XX/2021, I received an email ( enclosed ) from XXXX XXXX informing me that the hotel is still temporarily closed for leisure staycations. At that point, our movement is still severely restricted. Since the email stated that the hotel can assists me in cancelling my reservation, I called the hotel conveying my desire to cancel and ask that the charge made on my credit card be reversed. To my surprise, the hotel reneged on their promise and instead advised me to call XXXX. I then went to my booking confirmation with XXXX in an attempt to cancel, but XXXX website did not provide any means of cancelling my reservation. The Manage Booking on their website where I can change or cancel such booking was blocked. XXXX did not list any email address, chat room or local telephone number where I can contact them. Leaving without any recourse, I contacted Capital One, my credit card company, on XX/XX/2021, and disputed the credit card charge in the amount of {$170.00}. The dispute happened a day before, which is XX/XX/2021, when my free cancellation is set to expire. 

XXXX committed unfair and deceptive business practices in falsely providing free booking cancellation while intentionally omitting any means for that cancellation to come into fruition. XXXX XXXX is equally guilty of the same unfair dealing when it reneged in offering assistance to reverse the credit card charge knowing fully well the hotels impossibility to render hotel room service during the lockdown where hotels were ordered closed to the general public. Lastly, Capital One who initially reversed the charge on my credit card that was made within the free cancellation period has now reapplied such charge to my account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Moneygram declined to process my transaction and refused to explain any reason for declining. I was trying to send {$600.00} to an associate in XXXX. I might add that I used moneygram for several years for money transfers from my organization to XXXX, but switched to XXXX XXXX when MG transaction fees went up. Now XXXX is charging more with a lower exchange rate, so I was shopping for a better price, and came back to MG which then declined my transaction.
Consumer complaint received 2021-11-06
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. (OK)

A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Accounts with XXXX and XXXX still showing on report These have been suppressed by other XXXX Ive disputed information pertaining to these accounts and am told theyve been verified but can not accept this as factual
Consumer complaint received 2022-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion is forcing me to send a form or call for a copy of my credit report, this is unacceptable when I was recently denied credit for a XXXX credit score, this is far below the XXXX XXXX score that my 3rd party monitoring XXXX reports. So transunion is reporting an incorrect score when I apply for credit, likely providing an older report. I am working on rebuilding my credit and part of this is taking out new loans and credit cards. I expect my bankruptsy to drop off in XXXX and am working on getting a good payment history with multiple accounts. 

Note, XXXX is stating that they are providing weekly reports but with their systems being problematic I have been unable to get these from transunion. 

We need a consolidation and better control of these credit reporting agencies. In addition I have had multiple issues the past few months not just with pulling my annual report but adding and removing freezes with Transunion. I beleive this is IT/System infrastructure based. 

Transunion needs to fix their free systems, I feel these troubles are a way of upselling consumers to their paid credit monitoring, this is clearly a bait and switch scheme.
Consumer complaint received 2021-11-06
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. (OK)

A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the XX/XX/XXXX and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX account was created that i did not authorize and was un aware of until now.

over 92 credit cards have been applied for in my name that i never signed up for.
Consumer complaint received 2018-02-05
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: ACCOUNT SERVICES INC. (TX)

I obtained a copy of my credit report in XX/XX/2017 and noticed that Account Services , Inc. was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Account Services, Inc. in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent in XX/XX/2017 -- -120 days later. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. The patient 's date of birth is listed as XX/XX/17, which is not my date of birth. The address listed is the Virgin Islands, for which I do not reside. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS ACCOUNT SERVICES IS VIOLATING MY CONSUMER RIGHTS.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to you regarding the inclusion of a charge off account on my credit report. It has come to my attention that XXXX XXXX XXXX has reported a charge off for the account numbered XXXX, and I demand its immediate deletion from my credit report
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: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction and frustration with the recent outcome of my second attempt to remove a fraudulent items from my credit report. Despite providing comprehensive documentation and evidence proving the fraudulent nature of the item, I have once again been met with a disappointing response from your agency. 

I submitted a formal request to investigate and remove the fraudulent entry on my credit report, which has been adversely affecting my credit score and financial credibility. I included detailed explanations, supporting documents, and any other pertinent information required to facilitate a thorough investigation. 

However, much to my dismay, I received a response indicating that the item in question was verified as accurate and would remain on my credit report. This response was deeply disheartening and failed to acknowledge the clear evidence I provided, demonstrating that the item was indeed fraudulent and should be removed immediately. 

Despite my efforts, I was once again met with the same dismissive response, with no meaningful explanation provided for the decision to uphold the fraudulent entry. 

This repeated failure to address and rectify the fraudulent items on my credit report has not only caused significant distress and inconvenience but has also undermined my trust in your agency 's ability to conduct fair and accurate investigations. As a consumer, I have the right to expect that credit reporting agencies uphold their responsibility to thoroughly investigate disputes and act in accordance with the law. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting that immediate action be taken to rectify this matter. Specifically, I demand that : The fraudulent items be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. I am asking for your assisstance to remove these fraud items in my credit file : 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 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 2021-11-06
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)

This account was a secure card when I lost my job, I advise the company to forfeited my deposit which equals the amount of the account, they have been reporting on Experian as a charge-off and late payment which is incorrect. Experian has refused to update this account. I contacted the furnished XXXX XXXXwhich has indicated that they fix the issue however, Experian has failed to fix