davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST 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. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My ID via drivers license is attached
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2024 I mailed letter to XXXX and Equifax in regards to my collection account with XXXX XXXX XXXX XXXX I informed them that not only was the debt not one that was accurate but the account was noted on my file incorrectly. I know according to U>S>C 1681 ( a. ) I all information must be accurate in order for it to be reported. also that the reporting agency must go above and beyond in order for it to stay on y report. I receive notice from XXXX  and equifax that the information was. verified as accurate. I realized they updated the responsibility from joint to Individual however this account was a joint account before I was harassed Illegally by XXXX XXXX XXXX XXXX. this shows that either the investigation was done incorrectly or they deliberately left it on there which would be violation of XXXX  15 in USC code. 

I also do not owe this amount as in is inaccurate. I have filed a complaint against the company themselves because I was charged for full Rent for year when I was allowed to break lease because of bullets being shot through my window. I was afraid for my life and spoke with manager at the time she told me she would allow me to break lease without any penalty. the sad part is that when I moved they not only charged me full they added fees and kept my security deposit even though there was no damage to property besides the bullets that was shot from issues in the area that had nothing to do with myself. with them illegally trying to collect an debt I would like this compnany investigated as they are already facing a lawsuit for fees and harassment.
Consumer complaint received 2020-09-10
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. (CA)

Creditor is reporting inaccurate and fraudulent information on my Transunion credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau Transunion promptly.
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Darnel Quick Recovery, Inc. (GA)

I mailed the company a formal letter of dispute on XXXX/XXXX/2015 and requested verification of debt. I called today to advised them it 's been past 30 days and I still have not gotten any documents. I was told by XXXX XXXX that my dispute letter was received and she said she mailed the documents to an old address I then asked why was it not mailed to the address listed on the envelope and the dispute letter and she had no reason why.
Consumer complaint received 2015-09-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (NY)

I made an offer to a seller on ebay for an item. The seller agreed and took the item down allowing me to pay via paypal. Last message i had with the seller was hom stating he was going to send the item in a few days and that was on XXXX. I have not heard from the seller since.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I submitted a claim for this previously but attached the incorrect document. I am filing this claim because of an error on my Transunion Credit Report however on my previously submitted claim I mistakenly attached my XXXX Credit Report as documentation. This is an updated claim with the correct document attached this time. Sorry for the inconvenience. 

It shows that my XXXX XXXX account is open and derogatory, but this is incorrect. This account was included in my bankruptcy and should be closed. 
Thanks, XXXX XXXX
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

account information inaccurate which in is violation in FCRA 609 XXXX : account XXXX XXXX XXXX date opened XX/XX/2016 union reports that i was 30 days late XX/XX/2016 i was never late with a payment. 
XXXX : reports that i was current with payment XX/XX/2016 this is factual and inaccurate account needs be be removed/delete because of factual inaccuracies
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (CA)

I have an account with paypal credit and missed last months payment. Currently I am starting out in my career and trying to afford to live in XXXX XXXX and working XXXX jobs to pay my bills. I am stuck in an apartment I can not afford and can not afford the deposit to move to a cheaper place. So unfortunately I missed my payment for paypal credit last month. I will pay it as soon as I get paid again but in the mean time they have started to call my parents and harass them. I am XXXX years old and have not lived with my parents for 12 years. They actually have had huge financial struggles and lost their house that I grew up in and were forced to move to North Carolina where they could afford to live. I have never provided their information for anything relating to my credit. I do n't like to share this information with them because it would put too much stress on them since they are not able to help me financially. So paypal calling them and telling them how much I owe has them very upset. I do n't know how they got their information in the first place and paypal straight up lied and told my parents that they did not have my contact information. So why would they not have mine, even though that 's required to even open the account I opened with them, yet they have my parents info which I never provided with them. They keep calling them numerous times a day and it has my parents and me very very upset in this already difficult time. I just want them to stop calling and harassing my family that is incapable of helping anyways and giving out my personal account information with out any permission. I will pay off my balance it is just going to take me some time which I do apologize for.
Consumer complaint received 2022-08-08
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. (MO)

Experian is reporting fraudulent inquiries to my credit report and not removing them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is and fraudulent inquiry XXXX  XXXX XXXX XXXX XX/XX/2021 is and Fraudulent inquiry XXXX XXXX  XX/XX/2021 is a Fraudulent inquiry
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC. (FL)

There was a loan on a vechile in my husbands name. He passed away. Then the car was totaled on XX/XX/year>. Santander refused to accept the insurance settlement because my name was not on the loan. After 8 months of me writing letters to the CEO of Santander Consumer USA I got court orders stating I am the legal owner and compelling them to release the title to me. I faced it to them on XX/XX/year>. They are now in contempt of court and after 2 months still not heard from them. Im a senior on a fixed income and need the insurance settlenent. Im hopeful you can help Thank you XXXX XXXX
Consumer complaint received 2015-12-09
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: PNC Bank N.A. (MD)

Recently, my daughter and I settled on a house she was purchasing for herself and I was selling on behalf of my parents ' estate. My now-deceased father had a reverse mortgage ; so, essentially, my daughter refinanced the home in her name. Throughout the process of my daughter obtaining a loan from her financial lender, the reverse mortgage company and it 's attorneys pursued foreclosure. During the process of attempting to take over the property and without the knowledge of the estate, the reverse mortgage company made a highly unusual payment of taxes on the property. As the personal representative over the estate, I also paid the taxes. I was later informed through the title company that the taxes were current through XXXX 2016 and that the overage would have to be settled on the day of closing. However, instead of the title company XXXX XXXX XXXX XXXX of XXXX XXXX Maryland XXXX remitting a check due back to me as the seller on behalf of the estate, XXXX XXXX XXXX illegally credited the reverse mortgage company money including part of what the estate had paid. In an email message to the reverse mortgage company requesting the refund due to the estate, I copied the title company. The title company 's representative was very rude responding to the message. However, in her rude response, she states that the money is/was due to the seller. XXXX XXXX in representing XXXX XXXX XXXX used her position at the company to require my daughter to send money to XXXX XXXX in order to close on the desired property. She also used her position to illegally falsify documents in order to credit the reverse mortgage company and finally made an unauthorized wire of funds to the reverse mortgage company that was due to the seller/estate. The actions of XXXX XXXX Company and/or it 's representatives lead me to question how many times they have falsified documents in hope and anticipation of the seller and buyer 's lack of knowledge. Please address this current issue with XXXX XXXX Company. Additionally, an audit of their previous records and dealings should be conducted.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX attempt to dispute the information in my credit file which is resulted from an identity theft. The Credit Bureaus has no response regarding this issue. Again, Im sending over Identity Theft Report # XXXX Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The following items listed below are unknown to me and need to remove from my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2015-07-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Valentine and Kebartas, Inc. (IL)

VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls.
Consumer complaint received 2015-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

The following information is in my credit report file. This account was not in my name nor opened by me. 
Item : XXXX Bank XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX Account No. XXXX
Consumer complaint received 2020-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I was attempting to by sports tickets from a seller via XXXX on Sunday, XX/XX/XXXX. He was to send me the tickets on XXXX and I paid him on XXXX XXXX via XXXX. I sent him the {$100.00} and no tickets were transferred. I could no longer get in contact with him. I tried to discuss with my bank, XXXX, but they would not help.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

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 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion was notified by me in reference to some inaccurate accounts on my credit report. I have notified Transunion priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for TransUnion is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Today,  XXXX / XXXX /  XXXX  , I attempted to make a payment online for the ending statement balance due of {$55.00}. The online payment system would not accept a payment that exceeded my current credit card statement balance. My current credit card statement balance consists of a credit of {$27.00} for a refunded late payme nt. ( This  is a new account and I did make my first payment a day l  ate, Kohls refunded the fee ). The fee was refunded after my statement had cycled, hence, my balance due on the statement was higher than the current balance.
Interest is charged on the statement ending balance. The only way I can avoid this is to pay the full balance. However, their online payment system wo n't accept a payment that exceeds the current balance. I called their customer service department to verbally make a payment and the representative discouraged me from paying the balance in full. I had already paid the current balance online, which was less than the ending statement balance. I told him that in order to avoid interest charges I had to pay the statement balance in full and I was fine with having a credit balance on the next statement cycle. He was argumentative but I finally prevailed after telling him I was an accountant and knew exactly what was going on. Clearly this is a way for Kohls to earn interest by not allowing its customer 's to pay off their statement balances online and discouraging them to do so over the phone.
Kohls should accept payments for the total statement balance online regardless of activity on the following statement cycle.
Consumer complaint received 2015-08-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX/XXXX/15 I deposited a computer generated check at the Capital One bank in XXXX XXXX Tx, & have a deposit reciept. The bank has since lost my deposit, & have no trace of my check or the finances. I have contacXXXX the check writer and will have a copy of both front and back of the illusive check, as well as the deposit reciept. I drove the check to the bank and have a witness when I deposited the check. The bank has not depositted the funds or even acknowledge that the check ExIsts. I have The proof in a reciept but the bank will not honor the deposit. Now although I worked and received a check fRom my empemployer and depositted the check Capital one will not honor the check. I 'm colecting all necessary information. And will be notifying the police monday as the amount they are holding is over XXXX dollars. I belIeve that makes the amount being with held from me illegally a grand theft charge. I intend to press charges as I did my part and the bank is not.
Consumer complaint received 2020-10-16
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. (GA)

THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (AZ)

The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX $ and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXX XXXX XXXX Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX XXXX done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2017-08-13
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: NAVY FEDERAL CREDIT UNION (FL)

I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally.
1. XXXX XXXX XXXX XXXX XXXX, 2017 2. XXXX XXXX XXXX XXXX, 2017 3. Navy FCU XXXX XXXX, 2017 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX *