davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As of XX/XX/XXXX, XXXX XXXX has failed to remove two inquires from my Transunion Credit Report as advised on correspondence from them to date. 

I received a letter from XXXX XXXX which advised that they submitted requests to have the following inquiries removed : XXXX XXXX XX/XX/XXXX XXXX XXXX   Dual Card XX/XX/XXXX The letter stated it could take 60 days, however, the inquires have not been removed to date. 

The letter that I have attached that was provided by XXXX XXXX advising that they have requested removal was sent to Transunion by uploading to their website and they haven't removed to date.
Consumer complaint received 2019-10-30
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: EQUIFAX, INC. (MI)

After several requests, Certified letters, online complaints and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request Equifax to supply me a verification letter regarding this matter or remove the reporting from my credit report immediately. 


Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 


Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. 




Please correct this matter immediately and provide me an updated credit report.
Consumer complaint received 2021-02-24
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 for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/20, I received a notification from XXXX XXXX that my XXXX XXXX store card had been closed. It was a surprising coincidence as I attempted to use my card online on XX/XX/20 but it wouldnt process. I attempted to resolve the issues by phone but TD Bank, the servicing bank, could not provide me any answers. 

On XX/XX/20, I called TD bank again and the associate stated my card was closed due to inactivity. The associate then stated my card could have been closed since XXXX XXXX now services XXXX XXXX store cards. 

Again, I did not receive a definitive reason why my account was closed and I still have not received notice from TD Bank that my card would be closed.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

I got a notice in the mail about a debt for a hospital bill but this is the first time i'm seeing the notice. I contact the company to see what the debt was for and why i'm receiving this letter. The first agent name XXXX XXXX I spoke with inform me that it was a hospital bill that was not paid and I advise him that me and my family have insurance it has to be an error. I advised him that i will provide the health insurance number but he refuse to take the number instead he advised me that I have to paid the debt that is owed. I do not understand why he was not accepting the insurance information. I later advise him that I will contact the hospital to provide the information but he kept refusing for me to do so. The agent advised me that he will put his supervisor on the phone he can see if he can assist with the debt. The supervisor XXXX came on the phone and just pretty much told me paid the debt or else. I told him that if i was not informed and I have insurance why do i need to pay a debt. i had XXXX  at the time. I felt like i was being pressure to pay something that my insurance cover. I was been told if not i will pay for the damaged. I do not want to deal with this.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (FL)

XXXX XXXX insurance company requested a report from XXXX on XX/XX/2022. I have received a negative action letter. 

XXXX XXXX stated that a report from XXXX was used on their decision. 

Requested report and found a substantial amount of incorrect information ranging from different individuals who just shared my same name, wrong addresses, 20-30 year old addresses, real time driving information derived from the car telematics. 

Unable to initiate a dispute resolution due to incomplete information in website Customer service extremely difficult to navigate and drops calls continuously.
Consumer complaint received 2019-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I am a PayPal account holder. On XX/XX/2019, PayPal allowed XXXX to put a take money not only from my paypal account, but they authorized payment from my credit card. They took it upon themself to act as an escrow, without any investigation, proof that they could go ahead and do so, nor offering any explanation and assistance. Instead of waiting for proof of me recieving my item, or at least having proof of a tracking number regarding the item in question. 

Since this is something that PayPal seems to engage for years now, while lobbying and being protected, potentially commiting wire fraud, it should not be based on who knows whom, but based on our laws and regualation. We are still a country that is not made up complitely of wild west. 

PayPal is not a joing member on my credit card to authorize money in my name whenever they feel like it. Furthermore, I would like to know if they are an escrow, as their business practices are rather questionable form every perspective.
Consumer complaint received 2019-10-30
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. (SC)

Hello, I am concerned about the validity and accuracy of Experian 's recent investigation of Department of Education XXXX accounts, that are reporting on my credit report. On XX/XX/2019 I requested an investigation because I felt items on my report were not being reported legally.I received a letter stating that their investigation complete. 

My initial dispute was detailed and directly related to the account ( s ) in question. 

Department of Education/XXXX was not able to validate any information after I sent a certified letter to them. See enclosure of copy of letter and certified mail receipt to the creditor. 

Experian stated that everthing was verified but showed no evidence of this after I asked them to supply the information. This account was deleted from my account and are not reporting to the other CRA because valid validation and verification did not take place.
Consumer complaint received 2023-01-30
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)

This is the several time I've complained about being a victim of identity theft. TransUnion must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$970.00} ; XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc. (MI)

XX/XX/19 i was looking at loans and reading terms quicker than normal to see how long it takes. For me to mkve on i had to sign. I signed and ended it the next day money was in my account i emailed them after i sogned that i dodnt want the loan it was a mistake. I paid all the money back same day it came onto my account and talking to them i still owe XXXX in interest. Though it was all done in a day. They refuse to talk to me
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

In large print PayPal Credit offered " No Interest if paid in full in 6 months ", but on about the second month statement closing date XX/XX/19 I am charged {$34.00} interest. I called and spoke to a manager and I am told in the fine print of Terms and Conditions that I am not qualified for interest deduction. 
The manager said PayPal will notify you with a warning before you make a purchase but I told them I received no warning. 
I checked the Terms and Conditions, the only qualifying criteria I could see was it had to be a purchase of over {$99.00} I told the manager that this was deceptive advertising, but she didnt care.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (NY)

Collection agency making harassing phone calls to my fathers home about debt I owed, I don't live at his house and have not lived there in 12 years. He sent a letter stating this and they are now sending letters in his name saying I owe this money.
Consumer complaint received 2017-08-09
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: ALLY FINANCIAL INC. (TN)

In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, XXXX XXXX, and Ally. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
Consumer complaint received 2020-07-01
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: Sensible Auto Lending, LLC (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank closed my account without a clear reason. I called to ask Wells Fargo why they closed my account. They didn't give me the reason and just said they don't want me to be their customer after over 8 years with them.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NJ)

Chime emailed me on the XX/XX/21 saying my account had been closed due to non-compliance of the deposit account agreement. I've been banking with them for many years. I don't really do anything that interesting with my banking and I haven't changed anything over the last year. I asked them to tell me why my account was cancelled and that I can provide receipts or evidence for all of my payments to make it clear I'm not doing anything dodgy. I have evidence for everything and it was all normal banking activity. They just kept replying that they are closing my account in XXXX week. Now I have to move all of my banking and pay higher fees for no reason.
Consumer complaint received 2024-01-31
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. (GA)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S, C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I accepted a XXXX XXXX visa credit card offer from Capital One, applied for it and got it in XX/XX/XXXX. The offer was for 12 months introductry zero APR on purchase means no interests until XXXX XXXX. But they started charging me interests after 9 months instead of 12 mo. In XXXX they charged me {$18.00} and in XXXX {$17.00}. 
Another issue is that there is nothing in my monthly statements to show when and in what percentage the interests will be calculated! 
I talked with a representative and then a manager on Friday XX/XX/XXXX afternoon and they do nothing about it.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TomoCredit Inc. (MA)

TomoBoost uses your monthly expenses to develop a credit line for you that they then report to the credit bureaus. They have NOT been doing that and have still been taking my money every month. I submitted a cancellation request a week before the withdrawal date, and per their terms youre required to send it 5 days before the next payment, which I did. I still got charged {$39.00}. They refuse to answer emails and I'm still receiving their automated spam emails offering their services, when Im already enrolled and have been trying to cancel. I am not the only user that has had this problem. There are countless others online voicing their concerns on several forums.
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Everest Receivable Services Inc. (MO)

On XXXX XXXX, 2021, I received a letter from XXXX XXXX XXXX XXXX XXXX stating I allegedly owed a debt to them. On XXXX XXXX, 2021, I sent a letter to XXXX XXXX XXXX asking them to verify the debt. Almost a year later, I receive an email from a total different company attempting to validate the debt. During that almost year, I did not receive any correspondence pertaining to my original request dated XXXX XXXX, 2021. Upon receipt of the new letter from the different company attempting to collect, they immediately reported to the credit bureaus without answering my original request.
Consumer complaint received 2020-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Today I called Transunion credit dispute number to dispute negative information in my credit report. They picked up after 1 hour then proceeded to transfer the call where they kept me on hold for 2 hours until they got off of work and never assisted me with my dispute at all. 
This is the 2nd time this was done to me. I am being ignored and not helped at all.