davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to Transunion, XXXX, XXXX regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to XXXX credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this XXXX credit bureaus.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC (TX)

On XX/XX/2019, I paid my debt with RISE off completely and received notification that this debt was paid in full. 

I have called and e-mailed this company several times to report accurately to the credit bureau, however, they have failed to respond. 

I was advised today that they do not report until the following month after the debt has been paid, which will place this over 45 days. 

I have disputed this with the credit bureau as well and RISE has failed to respond.
Consumer complaint received 2019-03-19
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. (MD)

I had a loan with XXXX XXXX XXXX and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from XXXX XXXX stating that my account was paid in Full in XXXX. But in XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (IL)

I paid an annual fee for a line of credit to Avant which was issued through XXXX. I have been continuously having my payments declined which are within my available credit. I have calling Avant numerous times and been lied to and hung up on on multiple occasions. The call center attendant told me that they are having this issue with several customers. I have had my car insurance cancelled due to this and have had reinstatement fees added.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-03-07
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. (KS)

According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX XXXX website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.
Consumer complaint received 2022-05-02
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. (GA)

I. Filed initial FTC Report XX/XX/21. Requested directly disputed id theft info deleted and/or blocked. II. CRA Equifax refuses to abide by the intent and meaning of the statute and is perpetuating hardship with continued new reportings of past due amounts provided by XXXX XXXX. This is re-aging and against the standards as defined. III. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. IV. Please investigate & escalate non-compliance.
Consumer complaint received 2020-09-12
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. (NC)

I submitted a previous complaint about this discrepancy and issue and credit score drop and I found the discrepancy. When the update was made ; I see that the credit card closed date was changed from XXXX to XXXX. Please see the attachments This is what caused my decrease in my score on XXXX and what caused me to lose my home. What was the reason for the card closure date. 

Please reference complaints XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2018-03-07
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. (NY)

THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE XXXX XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 60 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$15000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION File Number XXXX XX/XX/21 Telephone Number Reported XXXX is not my phone number or in my name. Provide proof from the cell phone company with my name from the phone carrier with my name and account number showing this phone is my phone number by proof.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had disputed these errors in XXXX XXXX and their response did not fix the errors. I am a consumer overstanding my right 15 USC 1681a2 and by law ; its ground for deletetion from my credit report immediately.
Consumer complaint received 2021-02-11
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. (MD)

i try to buy i car when dealer pull my credit show an account dont belongs to me i call XXXX  XXXX XXXX talk to 4 different agent but not one were able to help also car expirian not luck as well
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (IL)

I want to report the company Experian.com they ask me to create an account which i did and closed out XXXX credit card even paid off my car loan witXXXX XXXX XXXX  XXXX, and yet the Experian-credit boost service lowered my XXXX score by XXXX making it XXXX,, I did NOT see no possitive results by creating an experian account and eliminate few of my credit cards... I am disgusted at experian services they dont work ... to me its all a crock of fake reporting... thank you XXXX XXXX you may contact me at email XXXX XXXX
Consumer complaint received 2020-07-14
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report
Consumer complaint received 2020-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A collection account is on my bureau. However the original creditor has been paid. I sent Transunion a copy of the receipt from the original creditor and a copy of my credit card stmt showing payment. They say the collection account has been verified. Kind of hard to verify a collection account when the original creditor has been paid.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Consumer complaint received 2021-11-19
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: CITIBANK, N.A. (AL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have an extreamely low balance with this card. Due to issue with thier website a payment was missed and the card proceeded to charge me a late fee which was nearly 50 % of the balance. I requested a waiver, the company responded with several non sensical questions about my balance and posting date when they have access to when and why the late fee was charged and there was no other charges in 2 billing cycles. I responsed to customer service with the requested information. I then made a payment minus the late fee charged. The company then charged another late fee the next billing cycle on top of the late fee already inccued. So now my balance consist entirely of late fees with no purchase balance. This is an unfair practice and keeps consumers in debt by chargeing exorbit fees on top of fee balances
Consumer complaint received 2020-12-12
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.
Consumer complaint received 2021-12-02
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. (GA)

Hello, Equifax, and XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. Equifax has me at a score around XXXX and XXXX XXXX. That is a huge difference. tEquifax and XXXX paints me as an irresponsible person. my XXXX 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 Equifax and 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Equifax and XXXX I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me the accounts are verified but it keep reporting this inaccurate information without my authorization. They refused to remove these accounts from my report which is in violation of the FCRA. Equifax and XXXX are abusive companies. 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 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 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a charged off account with XXXX XXXX about delinquent payments, I contacted them prior to the late payments and explained my situation. I applied for the card a week after I turned XXXX, which is also 4 weeks after I had my XXXX and XXXX  child. I told them I was struggling hard being only XXXX and a single mother. I explained that I wasn't able to pay and they refused to work with me. I'm XXXX now and I emailed the CEO once again, 5 times again before I gave up. tI recently emailed the CEO of capital one, About 3 weeks later I got a response in the mail saying they refused to help me. I begged him for a second  chance. I'm young and I need help!
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (NY)

I want to pay a loan I have with PayPal. They have locked me out of my account so I can not do that. Every time I call ( and it's been at least 5 times ) Someone says they will look into it and call back, and they don't. This all started because a client I had asked for a refund for a writing service I provided and PayPal gave it back to them even though I sent email proof showing I had asked the client for certain materials to complete the final half of the job, and the client said they could not provide these items. So I am happy to pay a portion but am not liable for the full amount. PayPal will not be reasonable. Even beyond this {$1000.00} I still want to pay my {$3500.00} loan to them which is completely separate. I have tried with the XXXX XXXX XXXX. They have still not responded to make a way where I can pay this loan. So I either want a formal letter saying that they are completely forgiving it or create a way so I can pay, but this is ridiculous and has been going on for nearly a year. It is good that the government is beginning to examine PayPal because this should be another item that should be added for analysis. But I do want some resolution with all this asap!!!