davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted two of the credit reporting agencies about 90 days ago, XXXX and Transunion, regarding a collection on my report of {$4400.00}. I requested that they provide me verifiable proof of this and the supporting documents, and that I wanted to dispute this. Only XXXX responded with a statement that they verified this. However, this does not comply with the FCRA, particularly sections XXXX and XXXX. I then wrote both bureaus that inasmuch as they had failed to comply with the law, this item should be deleted from my file. I have given this more time than the law provided. This misinformation has caused me a great deal of credit problems. 
Thank you. 
Respectfully submitted, XXXX XXXX
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (DC)

I was informed that a USBank Reliacard was issued to me XX/XX/XXXX, even though I did not request one, nor was I interested in receiving one, but was forced by DC DOES ( unemployment ) to have my payment made on a Debit Card. 

On XX/XX/XXXX I had still not received my Debit Card and I contacted USBank, an agent told me they could expedite me a new card, and we decided it was best I use a different address in DC that has a better record of not losing my mail. I was told it would take up to 5 business days for my address to change in the USBank system. 

On XX/XX/XXXX I called USBank to see if my address had changed, it had, and I requested a replacement card as my initial card was lost in the mail. USBank XXXX and her supervisor XXXX told me that I could only receive a replacement card if I paid a fee of {$5.00} further I was told the only way I could access my funds for a VISA transfer is if I paid {$5.00} for a card with my name on it. I was told this would take another 10-14 days. I asked about the previous agents offer to expedite the card and was told that I must pay for it. 

USBank in essence is telling customers that it the customer 's responsibility to make sure they receive the card and if the card is lost in the mail ( or even not mailed by USBank ) that the customer must pay a fee to receive the new card. 

USBank has been holding onto {$6600.00} of my money for 6 weeks, I have escalated this to their executive office where I received a cut and paste response saying someone would get back to me within 15 calendar days. 

These debit cards are a way for banks to attempt to create additional wealth by charging fees, taking weeks to send the cards and then requiring additional fees to get the cards that may never have been sent.

I waited 4 weeks before reporting the card was lost and still USBank placed the blame on me for not receiving the card. 

Banks should not be allowed to issue Government payment cards if they can not guarantee they will get them to the consumer in a timely manner.
Consumer complaint received 2020-08-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I recently reviewed a copy of my credit report and noticed multiple unauthorized Inquiries that I had no knowledge of on my credit report, I then sent a certified letter to Experian on XX/XX/2020 requesting for a full investigation to determine who authorized it and upon completion asking that they then provide written correspondence that detailed results to their finding. I feel there was not a full investigation completed because the certified letter was accepted and signed to Experian on XX/XX/2020 ... I then received an email stating that my Dispute Results for report XXXX were ready on XX/XX/2020 and that they were not available online and to call a specialist and when I did call the specialist he did not give me any detailed outcome of my results but instead told me that he can send me a copy of my credit report to dispute any inaccurate information when in fact I called for my dispute results regarding inaccurate inquiry information.
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (NJ)

Since COVID I have been on credit card payment deferment. XXXX XXXX and Experian have all lowered my Score which is now making it difficult for me to aquire a new mortgage. There should be taken into account and not used to hurt the consumers. I am on time with everything and i dont just pay the minimum.
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

The XXXX XXXX XXXX  XXXX XXXX XXXX opened a company account in PAYPAL in XX/XX/2019, in order to receive payments from the offer of services such as training courses. 
At the time of opening, the balance could be withdrawn by credit card. However, it is important to note that this information is not easy to find and is not discussed in the terms and conditions for opening the account. 
Currently, it is not possible only through a bank account in the United States and by check. The Foundation can not open a bank account in the United States. 
We have written 3 times in the last month, through the messaging service to ask the bank that issued the check to be able to cash it in XXXX, before requesting the balance by this means. 
As they do not respond to us, we directly try to request the balance by check and we were surprised to verify that it is not possible to withdraw this balance by this means either. 
We demand the return of this balance immediately. 
We have screenshots that show what was said.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

My problem is not with my current mortgage company ( XXXX  : NMLS # XXXX ). My issue is with the original loan company ( Loancare MLS # XXXX ). 

Apparently my loan was sold at the beginning of the year. This happened without my knowledge as the documentation sent to me made it sound as though the mortgage was being transferred to different departments withing the same company. As such I continued to submit my payments ; via bill pay, to the same organization. 

It was not until my new company ( XXXX  : NMLS # XXXX ) threatened me with foreclosure that I realized my payments were not going to the right place. I immediately contacted my original loan ( Loancare MLS # XXXX ) company and reported the missing {$7600.00}, and opened a case to have those funds either returned to me or forwarded to my new loan company. 

The original mortgage company ( Loancare MLS # XXXX ), refunded {$3700.00}, but then closed my case with a remaining missing amount of {$3900.00}. When contacted they tried to say the refunded everything. I provided them bank statements as well as statements from my current mortgage company ( XXXX  : NMLS # XXXX ) proving the original mortgage company ( Loancare MLS # XXXX ) had not forwarded the funds to the new mortgage company. 

To date they are refusing to account for the remaining XXXX, and continually close the case when I reopen it.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good Day, I am XXXX XXXX XXXX and the reason I am reaching out is to complain about TransUnion and for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX OF XXXX Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/XXXX has violated my rights. 

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
Consumer complaint received 2020-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Louisiana Recovery Services Inc. (LA)

I have contacted the collection agency to verify the debt and also the credit bureaus. It was deleted off one of my report for inaccuracy. I have not received a response from the collection agency and no verification from the bureaus. I had medical insurance at the projected time of the incident.
Consumer complaint received 2020-10-29
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: EQUIFAX, INC. (MD)

I have reached out to Equifax numerous times on the errors of my credit report and this has impacted myself and my household in a negative way. I have sent certified letters, called numerous times, and never get a response. The major concerns affected me getting a house for my children and myself, all because Equifax never deleted the erroneous accounts on my credit report, instead they add a statement without my consent that says Consumer Disagrees when there are items that are on my report not only do not belong to me, but dont even have the same name or address as mine. I was also a victim of fraud and also sent over my police report to Equifax with no result of theme doing research. I called in a few days ago and was transferred 6 times until I finally got on the phone with an agent who claimed they never got my letter and that the error could be due to me not having three digits of the 9 digit zip code? even though the last letters i sent were on XX/XX/XXXX. I have never had this issue before. I was also the victim off the XXXX Equifax data breach. The rep told me on the phone that even if the name and address of the account do not belong to me, and the credit claims its my social security number, then it stays on my report. I have been disputing this information for years, and yet, this burden persists. immediately.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (MA)

Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2024-12-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NJ)

The company charges a {$400.00} end of lease fee but waives it if you purchase/lease another vehicle from them. I was leasing a new vehicle from XXXX XXXX in XXXX, NJ and they sold the vehicle out from under me. I was XXXX minutes from leaving my house to pick up the XXXX and I got a call from the salesman and he said the vehicle was sold. I said You took a copy of my license and insurance card and I offered to give you all the money the previous evening. They said no need. I had to leave to get back home for a video meeting. It took them so long to locate the XXXX that it ate into the time we were there.
Consumer complaint received 2021-02-24
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. (CA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (TN)

Contacted Experian XX/XX/20 XXXX XXXX  CST, and spoke with a representative in which asked questions about why a closed account consistently reporting late and showing an increased past due balance. The representative advised the account was currently under investigation, and I will receive an update within 30 days. I received an email alert stating the dispute is now open on XX/XX/20. A couple of hours later I received an alert stating the dispute was completed, and another alert stating an update on the dispute. After checking the before dispute in comparison to the after dispute ; the account was updated as verified and balance increased by {$1.00}. How can a dispute be verified, updated, and balance increased by {$1.00} in the same day? According to Experian ; In most cases, disputes are completed within 10-14 business days and quite often within two to three days. Results were provided within hours without any method of verification. In this case, the representative had the ability to change the amount by {$1.00} upon what authority, or legal aspect?
Consumer complaint received 2020-10-29
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: R & B Corporation of Virginia (CA)

Credit Control is still reporting on behalf of XXXX a telecommunication firm that is reporting an amount on my credit report for service that I never received or utilized I advise the rep who called me that I am not interested in service and they still signed me up. 
i have been scammed and want this off my credit asap of all bureaus I have called and ask to h=get help from both frontier and the credit company that purchased the debt are not removing even after I have asked for them to prove the debt and they cant. 



XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$140.00} Date Updated : XX/XX/XXXX Original Amount : {$140.00} Original Creditor : XXXX XXXX
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (VA)

I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below 500, which sounds odd because it was closer to 600 the last time I checked. I checked my credit to discover that the department of Education and Navient have been making reports to my credit which has taken my credit down by 100 points and more! One report from Navient took my credit score down 91 points in a single day! I have not had any communication with Navient to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with Navient yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
Navient keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from Navient, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I was scammed by a person who offered to rent me a house in PA after my posting on FB, and after I transferred money on XXXX, the person disappeared. They sent me an invoice for my payment, but never provided me with the exact address for the place and ceased all the communications with me. I paid {$1000.00} and have a proof of the payment and that person never provided the location of the property. 
I contacted TD bank to get the money back since they have the transaction recorded, but they did not help. Trace number of the transaction is XXXX from TD bank to the XXXX XXXX. 
If TD bank has XXXX XXXX, there needs to be a consumer protection in place. I only did the transaction knowing