davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

transunion, XXXX and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.
Consumer complaint received 2021-01-27
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. (CA)

XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-04-06
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 — Problem with personal statement of dispute
Company: CITY NATIONAL BANK (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-28
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. (MA)

I did a forbearance with XXXXXXXX XXXX XXXXXXXX and was completely mislead. 
Per XXXX, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and XXXX refuses, they stated letters were sent to me. I explained that my XXXX year old mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and XXXX knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be XXXX. I am a registeXXXX XXXX XXXX XXXX. I am sick over this. I don't know where to turn for guidance, please help me.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (WA)

I have a Washington Employment Security XXXX  Prepaid account. On XX/XX/2020 at or around XXXX I logged on to my online account and found transactions that were dated XX/XX/2020 as follows : Funding Transactions ADD FUNDS - ACH  FED Card No Amount IDES  CARD PAYMENTS XXXX {$740.00} Card Transactions MC  PURCHASE Card No Amount XXXX.XXXX  XXXX, XXXX - {$110.00} XXXX Fee Transactions XXXX   XXXX XXXX XXXX Card No Amount XXXX XXXX, XXXX - {$3.00} XXXX I quickly investigated ( online search ) and found out the funding source was the Illinois Department of Employment Security , the transaction is a XXXX women  's online clothing store and the subsequent international fee. 
I called my bank I was on hold for more than an hour to no avail. During my hold I refreshed my logon and the transactions were gone. The card number for the transactions as never been held by me I still have my original card from years ago. Also I have yet to see my funds deposited today as the are normally available every Thursday.
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

The Pennsylvania Higher Education Assistance Agency ( PHEAA ) has incorrectly denied my application for the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) program, under which I meet all of the requirements for student loan forgiveness. Since my application was denied on XX/XX/2019, I have made 7 phone  calls to their customer service representatives to resolve the issue, which have been unsuccessful. The letter I received saying I did not qualify for forgiveness stated that I had only made 113 qualifying payments ( 120 must be made to qualify ). I told them I had documentation for all 120 qualifying payments I've made and on XX/XX/2019 requested a list of the 113 payments they were counting so I could check against my list to find out what 7 payments they were counting. The customer service rep said she would email me the list, 2 months later I still have not received it. She was able to tell me that 4 of the payments weren't being counted because a forbearance had been placed on my account on the dates my loan was transferred between loan servicers. I never requested a forbearance on my account and they placed one on  my loan without my permission ( note, the PHEAA is currently being sued by the state of Massachusetts for this practice ). Since they haven't sent me the list of 113 payments, I still haven't been able to determine what the other 3 payments they are not counting and why they are not.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (TN)

US BANK CORP knowing sold prepaid gift cards that easily can be compromised and fund stolen by criminals, then use delay tactics to solve the issue for customer. I bought a {$100.00} visa gift card issued by US BANK, then fund of {$99.00} stolen in XX/XX/XXXX, i reported to US BANK and faxed them and mailed them also the signed dispute from timely, and patiently allow them to solve the case, so far, Not only US BANK never replied to me nor updated me at all and no result as of XX/XX/XXXX, i attached details in the upload.
Consumer complaint received 2021-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-08-21
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report XXXX This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION (CA)

I attempted to cancel an EFT from my other linked account to this account. They not only refused to cancel the EFT, but now are keeping the dollar transferred into the account, in order to close this account. So, they caused me to overdraft another account, and now keeping the money transferred because I requested to close the account.
Consumer complaint received 2020-05-13
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. (NC)

I financed a vehicle with XXXX XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
Consumer complaint received 2019-08-21
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. (GA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2022-04-28
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. (FL)

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

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
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as my subsequent communication regarding my recent complaint concerning the unresolved accounts within my XXXX and TransUnion reports, as well as the reemergence of a concerning account within my XXXX report. Pursuant to Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal imperative to promptly eliminate and block any account determined to be the result of fraudulent activity. The disputed account under scrutiny is not associated with my financial obligations. Enclosed herewith is the requisite FTC Report # XXXX for your reference and requisite action. I respectfully urge the expeditious removal of this account from my credit profile. Failure to provide pertinent records and insistence on account verification without substantial evidence may necessitate my pursuit of legal remedies. I am confident that adherence to statutory obligations will expedite the resolution of this matter. The disputed account, having been initiated without my consent or knowledge, warrants immediate removal, as prescribed by Section 605B of the Fair Credit Reporting Act. For your reference, pertinent details of the disputed account are as follows : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I am an XXXX XXXX XXXX  ( XXXX  ) at XXXX, started my XXXX  this XXXX  XXXX. I was trying to transfer my apartment lease and so put an ad on XXXX XXXX. One lady ( XXXX XXXX, from Wisconsin, she said ) was very interested and wanted to take my apartment. I told her the lease transfer fee is {$500.00}. You can pay it to lease office or me. She then sent me a check of {$1900.00}. She told me to take {$500.00} for lease and send the rest to her moving agent ( XXXX XXXX XXXX XXXX ). First I hesitated but then convinced as she said the check will be provided by her company. I received the check online and found that it posted to my account ( my balance increased after 1 day ). I had no idea of fake check or check bounce in the USA. I trusted and sent {$1400.00} to the moving agent as she said. I sent through XXXX as she requested. The account was, XXXX XXXX, XXXX. After that I thought everything was going good but suddenly she said she need {$800.00} more to send her mover to fix her car. Then I refused and started to suspect. I complained in Police ( Case : XXXX XXXX ) and they said it's a scam. After that, I found my money has gone, check bounced back. I contacted bank several times but they refused to get back the money. I contacted bank and put dispute but they refused my dispute.
Consumer complaint received 2021-09-17
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. (CA)

MY NAME IS XXXX XXXX AND I'M A VICTIM OF IDENTITY THEFT AND I'VE BEEN TRYING TO GET MY CREDIT FILE CORRECTED DUE TO THIS UNFORTUNATE SITUATION. I'M NOT HAVING ANY LUCK WHEN I SUBMIT MY INFORMATION DIRECTLY TO THE CREDIT BUREAUS.
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

I have a medical collection that was report on XX/XX/XXXX for {$5.00} that was added to my account by Paragon Revenue Group which has impacted my credit score. I have been to the Dr since XXXX of XXXX with no balance being due and now this was added to my credit.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc (TX)

My Paypal account is not working despite multiple attempts to resolve issue. 

I get the following error message for all of my payment methods : We aren't able to process your payment using your PayPal account at this time. Please go back to merchant and try using a different payment method.
Consumer complaint received 2024-02-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting Act. The following account is in dispute : DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00}, and DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently checked my credit report on XXXX XXXX and their were a lot of errors that I saw on my report that is inaccurate. 
To start XXXX XXXX has that I have XXXX missed payments that in XXXX months including XXXX, XXXX, XXXX, XXXX and XXXX. 
Hard inquires that I did not authorize. 

XXXX XX/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 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 XXXX
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX ACCT # XXXX, Has violated my rights 2. XXXX XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.C.S 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions