davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been trying to dispute information on my transunion credit report. I 've spent 2 days on the phone trying to get to speak to someone. My file is with ( I am told ) in a different department being I had identity theft. I called XXXX as I was told. However I get an answering machine telling me to leave my name number ss # file # etc. I call the main number for transunion and after being on hold for so long I am either transferred or told to call the above referenced number. I have incorrect information on my credit report that I would like to re-dispute as I have substantial additional information to correct this incorrect information. XXXX ( fraudulant account ) has been verified with XXXX fraud investigation dept that it is to be removed off my report. XXXX XXXX account should have no deragatory history marked ( I also have a letter from commenity bank/victoria secret that this account has never been paid late and it is reporting as a late payment XX/XX/2014. Which is 2 years ago. They verified this historical payment on this account was never late and all this time it is reporting as a deragotory remark which is affecting my credit score. I am trying to correct and fix this information along with my commenity bank/express account which is also reporting as potentially negative ( which again i have substantial proof that this account was never paid late either and the deragotory remark should be removed ). It is very fustrating as transunion will not take my call. My time is very valuable such as everyone else 's but this is getting me really aggravated that I keep getting an answering machine and someone will call me back. I 'm not going to receive a call back and I want this incorrect information corrected.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (FL)

ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX *Please update the payment history with these accounts on file* Account Name : XXXX Account XXXX XXXX *Please update the payment history with these accounts on XXXX In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc (NY)

I am waiting for the Coronavirus stimulus check to be deposited into my PayPal account. The IRS website states that the money was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I still haven't received the money into the account and PayPal has NO customer service right now due to the epidemic. I can't reach ANYONE!!! WHERE IS MY MONEY?!
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (AL)

I applied for and received the Chase Sapphire Preferred credit card. I selected this card after reading in Consumer Reports and the Chase Sapphire Preferred website that is came with a XXXX point bonus after spending {$4000.00}. When I received the card, among the benefits listed on the paper to which the card was attached, there was no mention of the XXXX points nor on the brochure describing the benefits. There was also no mention in the fine print cardholder agreement. When I called Chase Customer Service to inquire, he assured me I would get the bonus. When pressed that I had nothing in writing and needed something, the best he could offer was to send out a generic letter, no reference to my card number, and that I had it on the website, and everyone with this card gets the bonus. I pointed out the website could change tomorrow and in effect, I could spend the {$4000.00}, receive no bonus and have nothing showing I was to get the bonus. I closed my account. No loss of money but negative effect to my credit score for getting the card
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my Transunion Credit Report, XXXX XXXX ( Acct # XXXX ) which was open in XX/XX/XXXX is currently reflected as ( Open-Derogatory ) and not reporting since XX/XX/XXXX. 

The correct status should be reflected as ( Account is Closed, Included in Bankruptcy ) as of XX/XX/XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

They have submitted to the credit bureaus a late payment for XXXX, but my payment is not due until XX/XX/XXXX. Today is XX/XX/XXXX so how could I be late for a date that has not passed yet which has impacted my credit score. Also I have made a payment on XX/XX/XXXX in addition to intentions of making a payment of on XX/XX/XXXX as well.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open a fraudulent credit card account. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report # XXXX to have this account removed from my credit file by this Creditor. Also, There are XXXX addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX, MD ) These accounts need to be removed immediately.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-06-24
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (SC)

0n XX/XX/XXXX I submitted direct deposit information for a savings account opened ending in XXXX. Navy federal  closed the account within XXXX  days of opening and never informed me. My direct deposit from my job posted on XX/XX/XXXX. Navy federal rerouted it to a formal savings account that they added a temporary reversal to which originally came from a checking account in which they closed before I could even attempt to pay back. I have set up payment arrangements from another savings account ending in XXXX on XX/XX/XXXX for repayment. I have asked them to add the balance to the original charge off balance as it came from that account. I contact navy federal on XX/XX/XXXX to ask about the account ending in XXXX when it hadnt appeared anymore and they informed me that it was closed due to liability for navy federal. I explained that I already set up payment arrangement on charged off account and that the negative balance in my savings should have been included with the charge off being that it originally came from the checking account. They never mentioned that my direct deposit would be rerouted to the formal savings account.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call XXXX every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for XXXX to removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from XXXX stating that the inquiry was finish and they would not removed the late payments.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Went to unfreeze my credit report with Transunion in order to process a refinance on the house. Was unable to do so via the webpage, which directed me to call customer support. Called customer support, and after 35 minutes on hold was told that my account was being looked at by the fraud department, and only they could unfreeze it. But, they were not at work. It's 1:30 pm EST on a Friday. They won't be back until next monday. This is a XXXX XXXXXXXX XXXX XXXX. Unacceptable that they can not perform their function during a normal business day, pandemic or not.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-11
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. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was constantly getting harassed on my cell phone and at my former job by this company. Not only would they continue to call after being told to stop, they would call from a different number. They have called me from at least XXXX different numbers and over 100 calls. I paid this just to stop the harassment not even knowing if the debt was mine or not. When I actually looked into my credit and asked for debt validation, all I get is my name and an amount owed, which I have no idea about.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

Coinbase ( cryptocurrency ) listed a new stable coin, XXXX, in XXXX, 2021. I had approximately {$100000.00} of a different coin, XXXX, and I converted all of it to XXXX. The price should have remained constant, but Coinbase set it up incorrectly, so when people began to purchase, the price value went up. Within hours, my portfolio had increased to {$170000.00}, but Coinbase disabled selling, so I was not able to sell for a profit. Trading remained disabled for several weeks, until the price was fixed at a much lower value. When trading of XXXX finally resumed, my portfolio had dropped to around {$23000.00}, where it remained because XXXX was now operating correctly as a stable coin. I'm only just now reporting this because I have been in constant contact with Coinbase trying to get a refund of my initial investment, through phone calls and email correspondence with Coinbase Support as well as filing a formal complaint with Coinbase on their company site and also filing a complaint with the better business bureau and FTC. In addition to the loss I incurred due to Coinbase not allowing sale of XXXX  while they worked to fix their mistakes, the 3 separate conversions that I made on XX/XX/XXXX from XXXX to XXXX each had hidden fees totaling around {$6000.00} even though the transaction previews showed a {$0.00} Coinbase fee to complete. Please help me recover these losses. Thank you.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.