davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (MS)

XXXX XXXX is reporting I have late payments on my account which I do not. 
The account that I made payments from cleared through my account XXXX XXXX later they returned then money and added additional charges.
Consumer complaint received 2019-10-24
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX   XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX    XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

A dispute was filed for an item not received, {$790.00} XXXX  XX/XX/XXXX,  package was deemed lost/stolen by the shipper, XXXX. A claim was filed, however, since the package had a signature release there is nothing XXXX could do to reimburse for loss to XXXX. Package was left in an unknown location with no signature it appears. I was in contact with several reps on merchant end regarding this loss/investigation, was given two contradicting stories pertaining to investigation, either it is still on going or it is closed and XXXX can not refund due to signature release.. I filed a dispute for loss as item not received, no signature for it.. It appears the claim was not filed correctly on Citibank end, a letter received on XXXX requests date of cancellation, there is no cancellation date ... I attempted to explain this to several Citibank reps, each person requested I put in writing what I told them, which was already done prior when dispute was filed..It appears the person ( s ) whom took claim did not enter it correctly, I explained to rep ( s ) at the time of dispute filing the package was lost/stolen and XXXX will not refund or issue store credit. However, it appears dispute was filed as an order cancellation, not for lost/stolen package..The claim needs to be updated to show lost/stolen, letters sent via fax as well as email state so, Citibank reps entered claim incorrectly
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Throughout XXXX through XXXX of 2019 we have been overcharged by a vendor named XXXX XXXX XXXX After attempting to work directly with the merchant ( which our credit card company suggested we do before starting a dispute ) and failing to find any kind of resolution with them, we were forced to go to Capital One ( our account holder ) and let them know of the issues. 

In XXXX and XXXX we were sent letters stating they could not reimburse of for these disputes because they had not received adequate information from us regarding the dispute. In fact we provided 26 pages of correspondence and contracts via fax to Capital One when we first made the complaint. After receiving the letter they were closing our dispute because of the lack of info, we spoke with a representative who guided us through the Capital One Document Upload system where she verified the documents were received and the dispute would be reopened. 

More recently we received letters stating that because the dispute was 120 after the initial charge we were outside of a time limit Capital One says it is under to resolve disputes. Even more recently we have received other letters from Capital One stating that disputes must be made 60 days after the initial charge. 

Not only have we received dismissals of our dispute for 3 different reasons which contradict each other, we were never told of these time-frames when we first reached out to Capital One when the overcharging from XXXX XXXX first happened. As previously mentioned, they caused the delay by advising us to work directly with the lender before opening a dispute. 

It is very clear that Capital One is creating arbitrary rules in order to not resolve our dispute and return the funds despite strong evidence that the vendor overcharged us and has done this to thousands of their customers.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

XX/XX/XXXX paid statement and notified NMAC ( Nissan Motor Acceptance Corp ) of my change of address. I had contracted for a PO Box while my new house was being built. In all of the mayhem of moving and setting up a temporary home, I didn't realize until 11/30/2020 that I had not received billing from XXXX. 
I called and spoke with XXXX on XX/XX/XXXX for 11 min. 11 secs. XXXX revealed to me the the address was inputted incorrectly. Statements were being sent to me at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Not the address I listed - XXXX XXXX XXXX XXXX XXXX TX XXXX. I immediately scheduled a " pay by phone '' pay off of the entire note. 
I was told messages had been left on my business phone. A blatant lie. I, like a lot of people was working from home. All phone messages are immediately emailed to me for review and responses. I checked my phone at the office and there was no record of NMAC contacting me. I suggested to XXXX that this should not impact my credit because of a clerical mistake at their XXXX payment processing center. 
I have formally requested a review of this through the NMAC Credit Bureau Management protocol. It was after my second letter that I received a response that all reporting was accurate. To date, I have not received a clear title.
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (KY)

RENTDEBT AUTOMATED COL FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. RENTDEBT has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine. 
Additionally, verifying this account through XXXX  violates my rights for a 100 % diligent and reasonable INVESTIGATION under the FCRA. If you verified this account through XXXX I request immediate deletion from all 3 major credit reporting agencies.
Consumer complaint received 2022-12-08
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. (GA)

Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Credit Report Credit Summary Personal Information All Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Derogatory Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Public Records XXXX XXXX ) XXXX ( New ) XXXX ( Deleted ) Late Payments ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Inquiries ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXXXXXX XXXX XXXXXXXX New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : EXPERIAN BUSINESS CRED New Type Of Business : Credit Bureau Inquiries Date XXXX XXXX : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXXXXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, XXXX XXXX EXPERIAN permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Consumer complaint received 2022-12-08
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 — Problem with personal statement of dispute
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

In XX/XX/2017, Iowa Student Loan reported me as being 60 days late. Prior to the reporting, I was in a forbearance with my loans. I never received a written, phone call or e-mail notification that my forbearance was expired. If you look at my credit report, you will see I never had any other late payments with Iowa Student loan XXXX Aspire Servicing Center ). I have tried unsuccessfully for years to have this removed from my credit reports. Because XXXX reports separately, I am showing a 60 day late 6 different times. I am requesting to have the 60 days removed from my credit report.
Consumer complaint received 2022-12-08
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: ID Analytics, Inc. (RI)

REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

This is aggravated identity theft, there were XXXX student loan accounts fraudulently opened in my name without my authorization. XXXX for {$4000.00} and another for {$13000.00} with US DEPT OF EDXXXX XXXX For over XXXX months I tried several times to get matters escalated what their credit department. There were no proper verifications done at the time of opening in contracts nor do they have my signature on file. This is a violation of my consumer rights and this is unlawful to add these accounts to my credit report without proper verification or my authorization. I am demanding for these accounts to be immediately removed from my credit report as they do not belong to me and are a misrepresentation. According to our consumer rights, prior to these accounts being inserted into my report they should have been verified and analyzed for accuracy. This is my formal complaint, keep in mind I've tried several times of contacting the credit bureaus as well. I have proof of deletion from XXXX and XXXX. Experian originally removed it from my account on XX/XX/2022 and I have proof, yet they added it back onto my account which is unlawful. I'M DEMANDING FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS IT IS DAMAGING MY BUYING POWER AND CHARACTER AS A PERSON. 

I'm willing to seek legal help if these accounts are not removed immediately.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX, and they saying the amount is {$460.00} does not even match the amount I had pay to XXXX which was {$460.00}, I called XXXX to remove it asap i called transunion and also called XXXX and the lady named XXXX who suppose to file my dispute did not do it?? please ask XXXX  why? easy to check she was the last to login to my account they really need to address and she refused to gave me a report or file number?
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

PDM sent invoice to the wrong address using incorrect spelling of my name, stating I owe over {$8000.00} to XXXX XXXX. I contacted XXXX XXXX and they checked their records. They have no record of me ever having an account under my actual name, or under the name on the invoice provided by PDM. They also stated they do not use PDM, they use a debt collection agency based out of XXXX, NY, not XXXX, XXXX. I have never lived outside of XXXX. I have tons of proof I have lived in XXXX all of my life and at a single family residence, not an apartment complex.
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (IL)

Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from XXXX XXXX I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called XXXX XXXX they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.
Consumer complaint received 2022-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC. (MD)

My previous case number XXXX The case is not resolved. 
Ally keeps charging an illegal, unjustified fee of {$180.00} and changed the min payment and has NEVER provided a new maturity date for the loan had a payment of {$5700.00} is. 
ALLY verbally expresses that I still have to make the 120 payments. It's a lie that they spoke with me and told me that my debt will be paid off sooner. 
I need to keep the same multi payment and know how many more payments I still owe, I need to know my maturity day, They must respect the same monthly payment and should not be allowed to charge Other fees. 
Ally is being sued in multiple states for acting fraudulently, please investigate. 
Order them to provide me with the information that I have been requesting since XX/XX/
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (MO)

This account XXXX is being reported twice on XXXX and XXXX  as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX   These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Consumer complaint received 2019-10-24
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. (MO)

This account XXXX is being reported twice on XXXX  and Transunion as negative information. On XXXX specifically these are showing as a chargeoff from XXXX and an open installment account ( not collection account ) from XXXX XXXX XXXX. These accounts are also showing a huge discrepancy in the Date of Major Delinquency in violation of FCRA. I have disputed this information several times in the past and it has either been verified or updated. When requested method of verification it was not responded to. This has been removed from XXXX.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by XXXX
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion wont change my last name back to my maiden name even though I have changed it over 13 Years ago, I have contacted them over the years and it still dont change the only thing said was it dont matter on a few occasions its still me, I also got they cant change it since it is that with some creditors change it with them so we can change it. Send in paperwork to prove which I have mutiple times.
Consumer complaint received 2019-10-24
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX   XXXX DPEDXXXX  XXXX DPEDXXXX XXXX DPEDXXXX XXXX DPEDXXXX  XXXX DPEDXXXX   XXXX DPEDXXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX