davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these Inquiries has hurt my ability to obtain credit. Under the FCRA, unverified accounts or inquiries must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Provide Physical Verificat regarding each inquiry that has been listed above Please remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2022-08-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc. (OH)

I received a letter from XXXX XXXX XXXX stating I owe money to. Advance America. 

I never took out a loan in XXXX. The company does not have the location of the loan just the date of XX/XX/2018. 

I would like to dispute this information as it may be identity theft. 

This information does not show up on my credit report. 

XXXX XXXX XXXX reference number XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was charged {$95.00} for an annual card fee for XX/XX/XXXX XX/XX/XXXX. Two weeks later, I called to ask to reverse the fee and change the card to a no annual fee card. 

They changed the card to a no annual fee card but did not reverse the fee. I asked if they could prorate the fee and only charge for 2 weeks. They will not do it. 

I am now paying a {$95.00} annual fee for a card that does not have an annual fee.
Consumer complaint received 2024-02-13
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. (MI)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 

Summary of Accounts being Challenged in list form : XXXX XXXX  - Account XXXX My parent has the same name as me. 
XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX  XXXX - Account XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/2023. But it has been more than XXXX XXXX since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( XXXX ) ( A ) Under 15 USC 1681i ( a ) ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have the right to privacy and never consent to report or was told I have the right to opt out this is identity theft and is violation of my consumer rights
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OK)

XXXX XXXX XXXX has repeatedly tried to collect wrongful amounts from me. They currently have accounts under my name at a collection agency called " Credit Collection Services '' out of XXXX XXXX XXXX, XXXX, MA. When I called my insurance to verify the EOB 's, my insurance said that XXXX incorrectly filed the claim and therefore did not pay the amount. XXXX did not refile the claim and said it was my responsibility to pay the amount. I told XXXX that it was not my job to do their job, and their representative said that I still owed the amount. This has happened numerous times to me and my family members.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

XXXX Loss Mitigation provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was 120 days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXX loss mitigation team provided me. XXXX executive client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was XXXX days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXXs loss mitigation team provided me. XXXXs XXXX client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Consumer complaint received 2024-02-13
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. (NJ)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

Please see NEW attached official proof that I have an on-going fraud/criminal investigation with the FBI XXXX XXXX released officially today of XX/XX/2024. Feel free to contact their office in order to validate it. Thank you.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had a freeze on my credit report for years. On XX/XX/XXXX, TransUnion allowed the US Department of Agricultural ( USDA ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, phone XXXX ( which doesn't work ) to add inaccurate data to my frozen credit report. 

How is it possible with a credit freeze for a creditor to add inaccurate information to my credit report? The USDA states this is a loan. I have never had a loan with the USDA. The USDA has never sent me any correspondence about this alleged debt. However back in XXXX, I tried unsuccessfully to reach the USDA regarding this inaccurate information and to gleam or receive any type of communications about this alleged debt that may have been sent to me. As previously stated the USDA HAS NEVER SENT ME ANY COMMUNICATION, via US Postal, email, electronically nothing ever. 

My residence and phone number have been the same for more than XXXX ; how can the US Government allege a debt and never send any communications regarding said debt? It has been more than XXXX years and I still have no communication regarding this alleged debt. Why does my TransUnion report show a credit score of XXXX and yet the bank shows XXXX, which is a difference of XXXX points? Please explain how this can be accurate. 

TransUnion violated my rights of protection by allowing access to my frozen credit report and allowing inaccurate information to be placed on my credit report. I am requesting all paperwork from the USDA for this alleged loan.
Consumer complaint received 2022-08-08
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 XXXX XXXX, # XXXX XXXX XXXX, # 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
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

Hi, I filed a complaint on XX/XX/XXXX, ID was XXXX. Then I received a reply from the complaints Administrator. He said he will reply the final response by XX/XX/XXXX. BUT I DID NOT RECEIVED ANYTHING UP TO TODAY ( XX/XX/23 ). I did a follow up by sending an email on XX/XX/XXXX and got a reply on XX/XX/XXXX saying that they were working on it. And I gave it a few more days. I just checked the status here, it stated XXXX. It is totally insane! 

Please help or guide. Should I report to a the local police.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (MN)

I have an account that was opened under my name with montgomery ward and it was opened on XXXX I'm not sure how much has been put on this card. I didn't have no card sent to me or no info come through the mail or email about having this account was even opened. I put in a dispute in for this and got a letter back a few weeks later that i needed to go on this Websight and put in a dispute. and i did and nothing has came around to fixing this for me. I have called and talk to someone on XX/XX/XXXX for a fraud on this account and was told to call the fraud department on XX/XX/2022.
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$520.00} {$520.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-05-14
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NV)

Since XX/XX/year> Global Holdings has been receiving twice a month payment from me to settle/negotiate credit card debt. As of today 's date, I have given them {$6900.00}. They have not settled any of my debt to date. In fact, they have put me off two months in a row, telling me it will be the next month and thank you for being patient. I have watched my credit score crash with no results from them. They have been taking administrative fees and other processing fees on the front end with no evidence of any work or effort. Recently they have attempted to get me to sign a document that they are changing their process to collect fees after the settlement. I did not sign the document. Now I have received an email through XXXX XXXX XXXX with a Supplemental notice telling me there is a class action law suit which issued a temporary restraining order restricting them from collecting any advance fees or settling any debts. The case is in New York and it is being filed by the Consumer Financial Protection Bureau and the case number is XXXX. ( XXXXY ) : Case No. 1:24-cv-00040-EAW-MJR. I want to be a part of the " XXXX '' group and need help doing this or who to contact. I understand the debt is still mine, but need to be whole again to fix this. I have stopped payment from my account.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a follow-up to XXXX which I filed two days ago. Today my Transunion credit score decreased another 11 points for a total decline of 98 points in two weeks despite the absence of any new derogatory information and the absence of any new credit inquiries. Positive information was added and several minor bits of derogatory information aged off. The only changes that accompanied the 11 point drop was the  removal of an old missed payment and removal of the last-first-middle variant of my name ( which is also listed in first-middle-last order ). I continue to believe that the 98 point drop is some sort of retaliation for previous CFPB complaints I've filed against Transunion or the numerous requests I've made over the past year to, successfully, remove various bits of incorrect and outdated information from my credit report.
Consumer complaint received 2020-05-27
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 (OK)

I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on morning, XX/XX/2020 if I am not satisfied with PayPals response to this request to release my funds, i will be filling complaints with The Attorney General 's Office AND The United States Federal Reserve ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history for the last year will reveal a very low chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. Paypal has not contacted me with any exact date that I would be able to withdraw my funds. 

Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of XX/XX/2020. It will be up to those agencies to determine if PayPal is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. 

Thank you for your time again in looking into this matter.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then XXXX reported to the credit bureaus that I was XXXX days overdue and my XXXX XXXX dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation XXXXs  loss mitigation team provided me. XXXXs XXXX  client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.
Consumer complaint received 2023-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} SXXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$300.00}