davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 
This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

It first started with XXXX I was selling some of my personal guns and ammunition during the last pandemic back in XXXX XXXX needed the money, and gun and ammo prices were high because of shortage.All my sales were legal and every gun was sold through an XXXX dealer as the law states and not directly to individuals. one of XXXX acceptable payments was Paypal. So i made some transactions through Paypal at the customers 's request, transactions were going smoothly at first the i receive some email from Paypal asking more details about transactions, stating that it was standard procedure because i was still a new seller, asking me about products details and tracking numbers stating that it was also to guarantee buyer 's rights. Then the surprise me with a temporary freeze of my account until i answer some of their questions and provide them with proof of sale and proof of purchase and also tracking numbers with XXXX. after my full compliant they unfroze my account and i continued selling. Until the decided to permenantly terminate my account and hold my money for 180 Day claiming to make sure no buyers complain on my products and transactions. Which no one ever did and i have a great rating on XXXX. I waited and waited, calling Paypal every now and then with no direct answers to my question of what happened to my money. 180 days minus 4 days i call and descovered that my balanced was XXXX. My balance was XXXX $ and they confiscated the whole amount. i was really struck by a lightning then. their answer was that i violated their policy term and i owed them all my balance. to begin with, i sold my personal belongings to get some financial stability during the bad times we passed through. they took all my money. Well not took but stole my money. 
Thank you for Understanding.
Consumer complaint received 2022-08-03
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. (IL)

the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and XXXX and Equifax is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.
Consumer complaint received 2021-11-07
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: EQUIFAX, INC. (PA)

EQUIFAX IS REPORTING PAYMENT HISTORY ON A CHARGED OFF XXXX  ACCOUNT. IF THE ACCOUNT IS CHARGED OFF WHY IS IT REPORTING POSITIVE PAYMENTS? I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE REMOVE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY.
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

I believe, Wayfair LLC dumped defective appliances ( i.e., XXXX XXXX XXXX ) on me ( i.e., a minority consumer ) and Wayfair Credit Card a/k/a `` Citi '' and/or " Citibank '' whom partnered with Wayfair LLC in this effort, as well as XXXX via my billing dispute then ruining my credit by reporting negatively on my credit report! The total amount of my purchase was {$1500.00} of which I paid {$1400.00} for the defective products!
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$XXXX XXXX XXXX Balance Owed : {$XXXX}
Consumer complaint received 2022-08-24
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. (MO)

Trans Union Credit Reporting Agency shared my credit information with the following companies without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  XXXX New XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX Inquiry Date : XX/XX/XXXX I am requesting that Trans Union remove these inquiries immediately from my credit report and provide a copy of my credit report showing that the error has been corrected.
Consumer complaint received 2022-10-15
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. (TX)

I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over ten ( 10 ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE SER XXXX XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX  ( XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

Greetings, I am having an issue with FedLoan Service regarding my PSLF certification forms. I have been with the XXXX XXXX since XXXX and ever since I started making payments on my student loans on time. Under the new and revised PSLF program, I am way qualified for a student loan cancellation after more that 10 years of service with the XXXX XXXX Here is the problem, I submitted my application with FedLoan for PSLF way back in XXXX. 
I never heard anything until last XX/XX/XXXX after I called them requesting status of my application. Then they told me that one of my XXXXXXXX employer missed a signature on the form. I responded to them why I was never been informed for the past 3 years for the lack of signature from a previous employer. They asked to resubmitted another PSLF certification form. After I contacted the previous employer numerous times without any answer. I filled the form and checked the box # 3 stating that I was unable to get my previous employer. I signed the form and I uploaded in FedLoan system. 
I called FedLoan last week and first spoke with a customer service agent name XXXX. He was very nice and diplomatic. He advised me to upload copies of my W-2s for the employer in question. I needed to obtain W-2s from XXXX until XXXX. 
After I made numerous phone calls to the IRS and SSA, I found out that IRS and SSA does not keep copies of W-2s. 99.9 % of tax payers usually filed electronically therefore they can only provide TAX TRANSCRIPTS for previous years. Additionally, tax payers are legally liable to keep records of their tax return for up to 7 years. That take me way out of that 7 years period because I need tax records from XXXX to XXXX. 
I called back FedLoan and spoke with a customer service representative named XXXX. I tried to explain to XXXX that IRS and SSA can not and will not provide W-2s dated back XXXX to XXXX. However, I can get a certified copy of my tax transcripts for those years since I can not get my previous employer to sign the PSLF certification forms. XXXX insisted that I send or upload copies of my W-2s. He continued by making a smart comment : FedLoan does not make the rules, if I need to submit tax transcripts, I will meet contact Congress to make law for that.

I found this very strange to see that FedLoan Services refuse to accept IRS tax Transcripts in lieu of W-2s while Citizens can get a mortgage or open a business by submitting their tax transcripts during the application process to the US banking system. US banks require tax transcripts during a mortgage application why cant FedLoan Service accept Tax Transcripts as well. 

I am under the impression that FedLoan is putting barriers and preventing borrowers to finalise their PSLF certification before the deadline this year. Please look into the matter. 

XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

From XXXX to now I have been in contact with XXXX XXXX XXXX XXXX letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in XXXX  and they vowed to help me but as soon as I left the military in XXXX XXXX XXXX XXXX XXXX repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with XXXX XXXX for almost 20 years and to get this type treatment is unsat.
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted the account listed below & they told me I've never missed a payment, yet Equifax refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 

XXXX XXXX  XXXX Late Date XX/XX/21
Consumer complaint received 2022-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (ND)

I completed a prequalification application on the carecredit.com website on XX/XX/XXXX. They declined my application for credit. The website said they would provide me a written response for denial in 7-10 business days. As of XX/XX/XXXX ( 15 business days ), I have not heard from them. I called them and they refused to provide me with anything. My denial of credit does not make sense. I have an XXXX XXXX score and XXXX figure income and no delinquency on my credit report. I believe they denied me credit based on age or by mistake.
Consumer complaint received 2021-11-07
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: Affirm Holdings, Inc (PA)

My identity was stolen and used on AFFIRM INC. 
I have filed a police report and FTC complaint and they refuse to remove these fraudulent items from my credit report. 

ACCOUNTS REPORTING TO XXXX : XXXX XXXX  XXXX XXXX THEY MUST BE REMOVED AND VOIDED IMMEDIATELY.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

CFPB I am so frustrated!!! I really need your help against this giant servicer. 

Well Im sad to report that BSI Financial cant get our escrow payments right to our insurance company. We have to call every year for last three years to fix. They only pay one of the three policies each year. I have spent well over 20 hours ( countless emails and calls ) of my personal time and these people dont care!

Most recently I dealt with a BSI employee named XXXX XXXX an XXXX  transaction management person who apologized, gave me the same old excuses, and made the same empty promises. 

Loan # 1 on University : For the third year running BSI 's insurance department has screwed up the payment to my insurance company even though every year I was promised it wouldnt happen the next year and once again this has occurred. I have a tremendous amount of my valuable time ( {$240.00} hour ) getting these issues straightened out. 

Loan # 2 on XXXX I just received notice on this property I have with BSI, the second of three loans, where are their firm once again 3 years running did not pay the insurance. I have had to call every three years once again because your company cant get their act together on paying our insurance. This is a two-unit property with 4 insurance policies on it. There are 2 flood and 2 fire insurance policies on it.

Loan 3 : I also have one more loan that I am not sure if they have messed up lately.

At this point I really need my three loans sold out from underneath the BSI financial services umbrella.

These people are breaking the trust we put in them to manage our very large investments our properties. Can you make them transfer us to another servicer? 

I look forward to hearing back from you as soon as possible. 




Regards, XXXX XXXX
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My complaint, includes debt collection that doesn't belong to me. On or about XX/XX/2018 at XXXX, I deposited CASH funds into my " personal checking account '' {$65.00}. My CASH deposit of {$65.00}, was deducted " immediately '' from my personal checking account by the bank ( for their improperly assessed NSF fee 's, unfair debt collection practices and unfair and deceptive practices against me and my personal checking account ) leaving my available balance at - {$68.00}. I have requested, to speak with a manager in the executive office ( as well as, attempted unsuccessfully to resolve the ongoing unlawful practices " internally '' with the banks many rude, evil and unprofessional representative 's ). I will fax any and all supportive documentation for the sake of this complaint. My personal information provided in this complaint isn't to be used by the bank ( or their subsidiaries ). It is for CFPB. -- THE END!
Consumer complaint received 2022-08-03
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/2020
Consumer complaint received 2022-08-03
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. The account is unknown to me and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX
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. (LA)

THE XXXX XXXX CREDIT CARD WAS REMOVED FROM MY ACCOUNT AS A CHARGE OFF, DUE TO IDENTITY THEFT. I WAS PLACE BACK ON MY CREDIT REPORT. I HAVE DISPUTED THIS IS NOT MY ACCOUNT AND THIS IS IDENTITY THEFT. THE COMPANY HAS SINCE REMOVED TWO OTHER CREDIT CARDS AS THEFT, BUT THE FIRST CARD TO BE OPENED THEY STATE IT MINE, WHICH IS ABSURD. I HAVE INCLUDED MY FTC REPORT, POLICE REPORT, MY STATEMENT AND A LETTER FROM XXXX XXXX WHICH STATES THAT THIS ACCOUNT WAS OPENED ON THE INTERNET. ANYONE COULD HAVE OPENED AN ACCOUNT IN MY NAME, WHICH IS EXCATLEY WHAT THEY DID. XXXX XXXX HAS NO SIGNATURE OR INFORMATION THAT WAS GIVEN TO THEM OTHER THAN AN INTERNET APPLICATION. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-08-24
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.