davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-22
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Reference Number XXXX Dear XXXX XXXX XXXX I am responding to your contact about an alleged debt you are trying to collect. You contacted me by email on XX/XX/year> and identified the alleged debt as I owe XXXX of XXXX. 
Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used. 
A copy of the original contract or other agreement. 
The name of any other person that is or was required to pay the alleged debt. 
The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 
Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
State when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt, including : Provide the number of any license to collect debt in [ insert name of the state where you live ] and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. 
Please treat this debt as disputed until you provide the information requested. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

This company treated me so badly. My bag was stolen while I was in the hospital for a crisis from my mental health issues and my account and card was compromised. The company is blaming me for the incident and will not release my funds even though I won the disputes. I can not help this happened and did not authorize anyone to use my account. They sent me an email telling me there was no way they could help me. How do they have the right to tell me that this is my fault? How can they hold my funds pass the day of the dispute decision. They are holding my funds on purpose and locked my account on my birthday which was very wrong. I just want my funds and I want people to be aware because the company will blame the consumer for a compromised card. They denied the XXXX $ dispute because of the price without a proper investigation. The representatives were rude and cancelled my account due to the XXXX sound in my voice. As a minority of the lgbt community with XXXX  history I dont think they should play with peoples money. I can not help this happened. I hope Venmo does something about the judge mental employees. I feel very discriminated against for being a XXXX XXXX XXXX  and everyone should know how I was treated. All on my birthday. I just want my funds released. And they put notes on your account to be vicious so the next time you call the way you are treated wont change because of untrue notes left by rude representatives who judge customers based on their voice. They can tell when XXXX peoples call and they know a XXXX voice and treated my account as such. They had the ability to let me withdraw my funds. All of this happened as I got out of the hospital from a XXXX  hold. They only made it worse. I have attatched the paperwork from the hospital I was in during this time. I feel so low as a human and my light bill is due and when told about them being disconnected I was told that its not Venmo fault your light bill is behind. This is unacceptable behavior from the women who work there. They were really judgemental and I may have to go back to the crisis center over this situation. Please help me. I have verified my identity 4 times but the robots keep sending the same email. So they have my email blocked from reaching a human who would hear this and sympathize with me. I feel mishandled and sent to the bot machine to handle human affairs. I was told in a rude way that my account was being frozen when XXXX the one reported the activity. They can not do this without even telling me what I did and not let me recover my {$560.00} and extra {$350.00} from a claim they denied because of the price of the transaction but the approved the XXXXXXXX XXXX transaction under the same conditions. This should be against the law and Venmo investigated and sued for XXXX and XXXX discrimination.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My mother passed away in XX/XX/XXXX. I notified Kohls that she passed, paid off her account and asked for it to be closed. On XX/XX/XXXX, I accidentally paid the amount of MY Kohls bill through her still opened account. I contacted Kohls and they told me to contact the bank. I called XXXX XXXX XXXX and they said I would have to wait for Kohls to reject it and it would be returned to my moms account. I then receive a Kohls bill with my moms account number and a credit balance. I called on XX/XX/XXXX and spoke to someone who said I had to contact the " deceased department '' even though I had already reported the death. He gave me A FAX NUMBER. I called back and spoke to XXXX who told me his id was XXXX. I was on the phone with him for a LONG time and the outcome was I had to wait a few days for the deceased department to call me. Still no call. I tried again today. Spoke to XXXX id # XXXX. He took all the information again and wanted to create a case to " find the payment ''. I told him there was no need to try to find it, I GOT A STATEMENT WITH A CREDIT BALANCE. I asked to be transferred to supervisor. Finally after XXXX minutes I got transferred to XXXX. The previous person told him absolutely nothing that I said. Had to repeat everything again. Then he tells me they will send me a check in 90 days. Not acceptable. Please help.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My company had a benefits account with XXXX XXXX. I am a non-US resident, but have a bank account in the XXXX with another institution. After I left the company, I wanted to close down the account and transfer the funds to my other checking account. I was told that this was not possible due to a block on my account no one explained to me and that while a supervisor was not available to explain and that it will be resolved within 48 hours. Unfortunately, that was not the case and when I called 2 weeks later, I was told the same story again. this process has repeated itself multiple times and few months on, I still dont have access to the {$70000.00} in my account without the bank being willing to explain what the reason is, help me remediate it in any way or provide update as assured on every call I have with them. Overall, I have spent multiple hours on the line with ML, sometimes being hung up upon by the customer representative, all of the calls are recorded and I do have logs on my phone to prove the amount of time wasted. 

Further more, I was told by ML that there is no supervisor that can speak to me about this issue and that as a customer I have no option to escalate my complaint within the bank directly.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (AL)

Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These debts are violating my rights
Consumer complaint received 2022-10-13
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: NCB Management Services Inc. (FL)

I have previously tried to work with NCB Management and they refuse to remove this alleged debt from the three major credit reporting agencies and continue trying to make me owe the debt. I have already mentioned to them that I need proof of this debt and simply presenting an agreement between them and the original creditor is not proof. NCB Management only provided me with an agreement between NCB Management and XXXX XXXX  XXXX XXXX. NCB Management took the risk of owning that debt and it is now their responsibility. I do not have a contract or agreement with NCB Management. They are not prohibited to attempt to make me pay a debt I did not agree with them. They are also not licensed to collect a debt in the State of Florida. You can see that copy attached, so they must by law, cease and desist all collection of this debt and zero out the balance along with deleting this information from all major credit bureaus. NCB Management claims they sent me communication when the alleged debt was first transferred over to them but I never received it and I haven't received a copy of this alleged letter either. This has taken so much energy out of me. I was trying to purchase a home, but this is stopping me from doing so. I am mentally, physically, and emotionally drained from working on this matter to make a better life for me and my family. Per Social Security Administration, NCB Management would need to provide me with an SSA-89 government form giving them permission to use my personal information and if they do not have that form with my signature, that is identity fraud.
Consumer complaint received 2022-07-13
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: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

XXXX and XXXX continue to report a collection account from Helvey & Associates. I have never had any business with Helvey, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by Helvey or XXXX. I just ended up paying XXXX but Helvey continues to report. I would like the Helvey collection removed from my credit. It is damaging my XXXX scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Consumer complaint received 2022-07-13
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. (TX)

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

Companies like Moneygram do this to people because nothing is ever done. I'm XXXX and i don't have money to just give to Moneygram who is basically stealing customer 's money and playing games. Their phone agents are Incompetent and can't comprehend simple XXXX nor do they try to assist anyone with anything. They bounce you from agent to agent yet not one will assist you or they tell you that you have to contact this department and that department. They don't respond to emails or to messages you send on their website. Therefore i'm filing this complaint against Moneygram will their fraudulent antics. Moneygram have proof that i sent them showing the money order was never cashed yet they're still refusing to send me my check for the {$300.00} claiming it need further research. I purchased a money order on XXXX for {$300.00} at CVS Pharmacy on XXXX XXXX XXXX XXXX in XXXX, MI XXXX. The Company that i made the money order out to never cashed it and finally gave it back to me in XX/XX/2022. I checked on the Moneygram website and it showed the money order was never cashed. Moneygram charged me {$45.00} for so called 3 Day Processing then they charged {$22.00} for Overnight Shipping. I received an email from Moneygram on XXXX claiming they need more information abd to send a copy of the money order and the receipt. I sent in what they requested not once but twice that day. I sent the proof by email and i posted it on their website. Since then i've not been able to check the status of my money order website and all i keep getting are 6 Blue spinning circles which i told Moneygram about yet it's a new week and Moneygram still won't fix their website. 

I included screenshots of their email, the money order i sent proof of, as well as their website and you can see that Moneygram is playing games with people. All of a sudden after i submitted proof now i haven't been to check the status. Moneygram charge all of their ridiculous fees then keep your money even when you provide proof that the money order was never cashed. I've made every attempt to get answers about my money yet Moneygram continues to play games.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

i signed to experian boost for the week period for {$1.00}. was blocked from using account due to " somebody '' entering the wrong social security. this block resulted in going past trial period. so i was charged {$29.00} for an account i could not even use. 
i repeatedly emailed about how to add another account to " boost '' my score, no response. i call, get disconnected, over and over. automated line repeatedly ask for my ss #, connects me to agent who asks for it again. refuses to pass me to a supervisor repeatedly. next call more of the same except this time i am hung up on. they took my money and can't provide the service they offer. i am trying to cancel before they take another payment out. this really has me wondering if their reporting is accurate, if their customer service is this bad.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (SC)

When I called a representative kindly agreed to have dis inquiry removed from my credit reports cause dis inquiry is frand and I want it removed ASAP XXXX XXXX  PERSONAL LOAN
Consumer complaint received 2022-07-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

As of XXXX, XXXX XXXX, XXXX XXXX sold my mortgage loan to Specialized Loan Services ( XXXX  ). 
I have been and currently is occupying the residents, in my XX/XX/XXXX loan statement, specialized Loan services decided to charge me a Property Preserve Abandon fee of {$300.00} XX/XX/XXXX and a late fee of {$75.00}. 
I have made several attempts to resolve this issue with Specialized Loan Services. SLS/XXXX 
I received a letter on XX/XX/XXXX from XXXX XXXX manager stating they contract XXXX  to inform them of vacant property, the charges were not initiated by XXXX  XXXX or XXXX. 
Specialized loan services contacted XXXX separately to register my residence as abandoned/ vacant and charge incorrect collection fees and force foreclosure. 
XXXX has never sent a notice stating the residence was vacant. per XXXX  email from a list of my questions. a notification would only come from XXXX or the XXXX. SLS continues to make false statements that XXXX  XXXX wants the property to be registered upon any delinquency.Which is not true. SLS has refused to show proof and to resove this isssue with my loan.
Consumer complaint received 2023-07-17
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: Grain Technology, Inc. (NJ)

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
Grain Technology : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX  XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX  XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. 

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.