davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX* Balance Owed XXXX {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  I Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (NY)

I have paid off the loan ( principle and interest ) and contested the late charges, NSF fees and repo charge which are due by XXXX XXXX. The company has refused to reduce or remove the remaining balance.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MN)

This complaint is about LVNV funding. They sent letters to a place I was living in three months ago in the males forwarded to my mothers house. On XX/XX/2021 I received a letter saying after reviewing the dispute they have a reason to believe that it was submitted by a credit repair organization. They continuously misrepresented their self but from the same company I received the first letter on XX/XX/XXXX of 2021 I have that latter.. I received another letter on XX/XX/XXXX of 2021. I received another letter for garnishing my wages after they actually garnish my wages. And the price That was supposed to be old was {$900.00} they sent me a or order for {$1300.00} Today I received a court order which is XX/XX/XXXX I received another letter with {$1400.00}. This is for another court order I dont understand why this is happening. If there was already a court order where the air they sent me another court order. They misrepresented their self to my job and I dont think its fair that they could do this to people. How is it that theyre already taken wages from my check but now they want more is that even legal.
Consumer complaint received 2022-01-19
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. (NY)

On my XXXX XXXX Bank USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On my Capital One Bank USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!
Consumer complaint received 2022-01-19
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. (NY)

There is a paid charge off under the name XXXX XXXX under account # XXXX on my credit report that is reporting delinquent and past due 30 days with a late payment on XX/XX/2020 that I have no knowledge of and this isn't even my account. I reached out to the creditor within the past 90 days and have had no response as to what, who or why this account is on my report as it definitely isn't mine I don't even shop at XXXX XXXX! I want this inaccurate, reporting account that isn't mine off my credit report and 3 bureaus as this creditor doesn't respond to me and has no evidence pertaining to the fact that this account belongs to me!
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

I created account on XXXX back in XXXX of XXXX with the intent to transfer {$350.00} to my attorney in XXXX. 

Today, XX/XX/XXXX, I finally submitted the transfer. 

Upon hitting the " send money '' button I got a transaction number, but before I had the chance to write it down, the website logged me out. I attempted to login, but was told that my password was incorrect. 

After attempting to login several times, I reached out to customer service via the chat. They told me that I should use another service as MoneyGram will no longer service me, implying that I was banned. They refused to provide any information on why I was banned. I requested a phone number to speak to a live person. They told me the same thing and asked that I file a complaint. 

I filed the complaint on MoneyGram website and got a case number. I am waiting for additional information, but I am not optimistic based on people 's stories I saw online. 

I am filing this complaint in the hopes that I can be given a reason of why I was banned and how I can get unbanned.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (NY)

I reached out to XXXXXXXX with Account # XXXX on several occasion about a store credit card that isn't mine that is reporting delinquent across XXXX bureaus Experian, XXXX and XXXX. The account is reporting as past due 150 days where there is a credit limit of {$100.00} but the balance on the account/card is {$260.00}? The account was closed at the credit XXXX 's request where the last 6 months of 2021 that the card was opened under the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX there were late payments 30 days late, 60 days late, 90 days late, 120 days late, 120 days late, 120 days late, and 120 days late. This credit card account isn't even mine and a result of identity theft and I have reached out to the creditor for the past 90 days with no luck on a response and at this point the only hope I had left was to reach out to the cfpb to see if they could help me get this delinquent account that is severely ruining my credit that has nothing to do with me off my report and be able to get the attention of the creditor as everything I am doing is not working.
Consumer complaint received 2022-08-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX I Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-19
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. (CA)

My loans are with XXXX, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, XXXX restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. XXXX claims that they sent me an inbox message in my XXXX account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from XXXX to my listed email, but this time nothing. It is my suspicion that XXXX was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the XXXX, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.
Consumer complaint received 2022-01-24
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: Coinbase, Inc. (NY)

My card information on my Coinbase card ( visa debt card backed by US dollars ) was clearly stolen. Starting on XX/XX/XXXX numerous transactions began on my account until the money ran out. I noticed Coinbase at least 3 separate times the first day and continue to this day. The phone system is a dead end that leads to no one in Coinbase card and I just get generic generated responses from Coinbase. Some of my case # s are XXXX XXXX XXXX XXXX opened thu messaging and calling. Transactions went from pending to finalized because I couldn't get anyone that knew what they were doing or what I should do on the phone. My email is XXXX that is how Coinbase pulls up accounts. This claim has nothing to do with cryptocurrency. Transactions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX and XXXX XXXX XXXX are all fraudulent dated XX/XX/XXXX starting at XXXXXXXX XXXX. The card # was XXXX XXXX XXXX XXXX which I reported stolen exp XX/XX/XXXX
Consumer complaint received 2022-08-01
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)

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MO)

I am trying to understand why Navient is hasnt paused my student loans payments. I thought that Biden placed a hold due to Covid until this XXXX. Although, I have been continuing to make these all throughout this time, they have continued to charge late fees and now have a Collection Agency calling me on their behalf. I admit that I have been late and have requested forbearances however, Navient have also deferred/forebear some of my loan payments without my request or approval. I also, do understand how my original principal balance is {$20000.00} and I have paid them a total of {$33000.00} ( XXXX, XXXX principal and {$21.00}, XXXX ) and I still have 10 years of payment to go at {$310.00} per month. I believe because cause of false deferred payments they have put me a cycle where I will forever be paying them.
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NV)

I have had my mortgage with United wholesale mortgage beginning in XX/XX/XXXX. I have always made my payments on time, I have never been late. United wholesale mortgage consistently does not reflect my payments when I make them. They sometimes take weeks or months to reflect my payment in my account that I make automatically every two weeks. Customer service never knows whats going on and they tell me to keep an eye out for my payment to post. I recently made a payment of {$1100.00} on XX/XX/XXXX. It has yet to post to my account and United wholesale mortgage consistently makes this mistake. Please help me as United wholesale mortgage is in capable, or incompetent, regarding registering customers payments on time. They say it takes up to 24 hours to register payments. It often takes Wholesale mortgage weeks or even months to register my payments. Please help me as United wholesale mortgage refuses to correct the errors they make over and over and over again. Thank you
Consumer complaint received 2024-12-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (LA)

At the end of XXXX, I contacted Tower Loans to notify them that I had an upcoming XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that I would be out of work for around XXXX XXXX months and I needed to ask for assistance with my payments, and the interest etc due to the financial hardship. The store representative XXXX. stated she could not remove any late fees the system would not " allow '' her to and i could make payments via cash or money order for a partial payment. I was attempting to make a payment of {$280.00} with my debit card over the phone and she refused to take this payment stating the system would not allow her. During my post op appointment weeks pior, XXXX the store representative contacted me via phone asking me to leave my doctors appointment, and meet her in a different town and bring her cash payment! This is not appropriate and I asked this company for help and informed them of my situation well in advance and they have refused to help me in any way. I am still not back at work and wont be until the end of XXXX due to XXXX XXXX XXXX XXXXXXXX XXXX. I have attempted several times to make a partial payment via debit card and its always refused unless its cash, money order, cashiers check, she has come to my home, and I dont understand how this is acceptable business practice! Its as if they just want to continue adding fees to my account and their refusal to work with me is baffling! Based on the reputation of this company, this is normal, they harrass people at their homes, wont work with anyone and try to make you refinance to get more money! they are predatory lenders and need to be shut down!
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. ()

I had a credit card with CITI bank and It was showing closed.Also showing due of rs XXXX on XXXXXXXX.While I had negative dues on Citi Bank .Then they charged some membership fee .I tried to call them to close my account.But they didn't close my account.After some time they automatically closed my account but in my XXXX report it is showing rs XXXX pending and it is impacting my XXXX  score.
Consumer complaint received 2022-01-19
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: Nelnet, Inc. (CA)

My loans are with Nelnet, which I thought was a federal loan servicer for starters and would automatically fall into the government mandate to postpone repayment. I was granted the first government covid relief repayment postponement from XXXX to XX/XX/XXXX without going into my account and applying for a forbearance. The US government then issue another mandate before I was due to start again in XX/XX/XXXX, which I thought put me in the clear until XX/XX/XXXX. 

In XX/XX/XXXX, Nelnet restarted my payments without any notification through physical or online mail. Unaware that my payments were now restarted, due to the fact that I never got a physical mail or any emails. I also assumed that my payments fell the new government mandate, coupled with the fact that I didn't get any emails or physical mail stating otherwise. Nelnet claims that they sent me an inbox message in my Nelnet account. One, I never elected to elected paperless mail only. All through the years, I've always gotten physical mail or a forward mail from Nelnet to my listed email, but this time nothing. It is my suspicion that Nelnet was intentionally targeting loan holders in order to get them into default on their loans. 

Even though they admit that they were at fault for not sending a physical mail or email notifying me that my payments were due, they still refused to retract the 6, 90 day late payments that dropped my credit score from XXXX to XXXX. 

In the last 10 years, I've worked very hard to build my credit, never a late payment. If I was aware of the payments due I could have easily manually put them on forbearance, but I was not notified at all through any means that I provided. I believe that because they could not show proof that they notified me through reasonable channels that these late fees reported on my credit should be removed.