davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX # XXXX Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1900.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$340.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information.
Consumer complaint received 2021-02-23
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

I have a credit freeze with all 3 reporting agencies. 

I applied for a credit card in mid XXXX and unlocked my experian report. This credit card had great offers, so I wanted to apply. My credit is good! I should be able to do this seamslessly. 

I received a call from XXXX on XX/XX/XXXX at the business where I was applying for a credit card, and he told me that my credit report was not yielding him any results, and he believed my credit report was frozen. 

I updated my credit freeze again, to open on XX/XX/XXXX through XX/XX/XXXX. 

I received a call from XXXX again on XX/XX/XXXX and then he called again on XX/XX/XXXX, and he said that my credit report was not yielding him any results, and that my credit was still frozen. He tried again to run my credit while I was on the phone, but he was again unable to yield any results. He suggested I call Experian. Ugh! I made 9 attempts, and was finally able to get a human on the phone. The rep informed me that that my credit report was not frozen, and that XXXX was probably doing something wrong. She asked me to have him try again. 

I emailed XXXX and asked him to try again today, XX/XX/23 with no luck. I confirmed my SSN with him, and it was correct. I am going in circles with Experian with no luck getting my credit report successfully run with XXXX. I have not had this type of issue before I am tired of going in circles. Calling Experian is a daunting task and simply takes hours to get a human on the phone.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : 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 , DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX
Consumer complaint received 2021-02-24
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)

I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me. I NEVER AUTHORIZED such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I called Transunion and explained to the representative I did not authorize these transactions, and I could not get any assistance from the creditor. Everyone seem to be giving me the run around. I understand that Transunion inadvertently removed inquiries from a number of reports and re-inserted the information. I called and explained that I didn't do this, and I was told I was not a victim ; however I believe I am a victim of their mistake, and therefor I want to file a complaint, and maybe get some assistance. Thank you in advance. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2019
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed a bankruptcy that has been reported on my credit profile by XXXX. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to XXXX. XXXX  replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. XXXX  is being dishonest. I have attached the correspondence from XXXX XXXX.
Consumer complaint received 2022-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WA)

Dates : XX/XX/XXXX, XX/XX/XXXX. Company : Nelnet , Inc . 

On Monday ( XX/XX/XXXX ), Nelnet contacted me ( phone call with a follow-up email ) to inform that I may quality for the Public Service Loan Forgiveness program ( PSLF ), encouraging me to apply for this program. On Thursday ( XX/XX/XXXX ), I contacted Nelnet with a few questions about the application. After being directed to a Nelnet PSLF specialist, I was told the following : Only full-time/permanent jobs qualify toward the PSLF program ( seasonal/temporary full-time jobs don't qualify )- If you worked for 5 years and was in the PSLF program and got laid off ( had an involuntary break in your work history ), you would lose those previous 5 years of payments toward the PSLF program - Having breaks in your work history ( layoffs, career break, transitions between jobs ) may disqualify you from this program, even if you currently participate in this program - It is recommended for those with a lot of student loans ( example given : {$100000.00} ) to pursue the PSLF program ; it doesn't make as much sense for those with smaller amounts of student debt to participate in this program
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: Experian Information Solutions Inc. (TX)

The account named XXXX XXXX XXXX XXXX is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account should be deleted completely from my credit report.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (AZ)

During the pandemic in XXXX, I was XX/XX/XXXX and working XXXX XXXX just to keep up with the necessities of living. I followed their policies to report a financial hardship and given one temporary concession for 2 months, after that, I could not afford the monthly minimum but attempted to pay something toward it. I let them know that I needed help and was told that I have exhausted my one time request. After my account was closed they sent me a letter saying that they would allow me to pay 1/3 of the balance. I did not have it, as I was still XX/XX/XXXX! I had a XXXX credit score before this card account was closed and now it is XXXX. I had no idea that I could complain about this back then so I am submitting a complaint.
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: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union XXXX account is reporting a late payment for XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc. (GA)

There is an account reporting on my account showing a balance owed from a company that was involved in a lawsuit where the company ended up sending me a check as a part of the class action lawsuit settlement. The account on my credit report is showing up under Lockhart, Morris and Montgomery. The original company/creditor is XXXX XXXX. XXXX XXXX was sued and ended up having to pay {>= $1,000,000}. I do not owe this company any money. The company sent me a check from the lawsuit. See the attachment to this complaint. I do not know why this company has this collection company reporting that I owe any money to them on my credit report. This is wrong. See the lawsuit notice/summary from the court that is attached. The lawyer 's contact information is listed on the notice from the court.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There is a bankruptcy, XXXX XXXX XXXX ARKANSAS XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/2019 that is not mines listed on my credit report, I have filed an Identity theft report with the federal trade commission as well, the report number is XXXX. I have filed a previous complaint XXXX and nothing has not been done. Please remove
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am a victim of identity theft and it found out in XXXX and started my journey to fix this issue, XXXX accounts were opened under my name XXXX  XXXX XXXX  XXXX XXXX Capital one bank XXXX XXXX and XXXX XXXX bank have been closed and removed. 
Capital one I have been trying to close the account and remove it completely, I never authorized or signed anything regarding this account nor did I get a call or anything regarding this account and I have proof regarding this account, since I have been dealing with capital one with the worst customer service and not having any luck trying to resolve my issues, I have proof me submitting all documents and calling since XXXX or XXXX regarding these fraudulent accounts yet the company has not called my once regarding my complaints. 
Capital one case number # XXXX I have investigated this issue myself and so far the address is not mine, phone not mine signature on the account is not mine, email is not mine and I have been calling regarding this accounts for XXXX months now till today XX/XX/2022 I have not gotten anyone to take care of this issue, and please capital one, I have never authorized anyone to open an account under my name, I have submitted all documents needed to prove that the account is not mine and I would like capital one to contact me regarding this issue.
Consumer complaint received 2021-04-04
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 (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am XXXX and live on a fixed income. I also live in a transitional neighborhood that is rapidly gentrifying. As such, property values in my neighborhood, including mine, have skyrocketed. An organization that is partially the cause of the rapid increases, XXXX XXXX XXXX XXXX, has started a grant program for legacy residents like me that aims to help us keep our homes by paying tax increases for 10 years. 

My property taxes are paid by the mortgage company and added to my mortgage payment escrow to be paid during the calendar year. It is with this expectation that the program ( XXXX XXXX XXXX XXXX - " XXXX  '' ) pays the difference so that difference can be refunded back to me after the mortgage company has paid the tax bill -- it is not meant as partial tax payment, but rather paid with the specific intent to provide relief in the form of a refund back to me of the XXXX  's payment amount. 

For some reason, Carrington decided to make a partial payment instead of the full tax amount because the beltline had already made their XXXX  payment to the tax commissioner. In so doing, Carrington willfully and deliberately committed what I believe to be fraud by taking both my monthly escrow contributions ( which are meant for insurance and the FULL tax bill ) and only making a partial tax payment that excluded the XXXX paid for my benefit by the XXXX. 

After contacting XXXX, i was informed that i was required to provide proof of both the payment from XXXX  and from the tax commissioner. While redundant, I have uploaded both to the specified website, but was told they would take 10 business days " to research the issue '' despite having caused it and being fully aware that they did. 

I need this money -- it's the whole point of the grant ; and I feel that this horrible servicer is now trying to make me pay twice for something that they already collect in my monthly mortgage payment. 

i SHOULD NOT HAVE TO WAIT on funds that are mine and carrington  should pay me the money immediately as well as interest. This is just the latest of several complaints I have filed on this company and this organization is supposed to help. Instead, once they offer a weak excuse, you are always satisfied, and people like me, especially those of us XXXX with XXXX XXXX XXXX continue to get screwed despite this supposedly being a place to find help. 

At a mimimum, this is unethical, But they took funds that did not belong to them and if not outright burglary, it is at least embezzlement or fraud. PLEASE DO SOMETHING ABOUT THIS. I DON '' T have the luxury of 10 business days ; i need my money now and you have the power to compel them to give it to me sooner.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have disputed a bankruptcy that has been reported on my credit profile by Experian. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to Experian. Experian replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. Experian is being dishonest. I have attached the correspondence from XXXX XXXX.
Consumer complaint received 2022-12-14
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. (OK)

I'm trying to get my payments reported I checked all credit reports it's been 90 days since I made my first payment I contacted express credit auto lender to see how to report it they directed me to credit bureau and said to summit a dispute the only issue is you can't dispute something that is not on your credit report I want this issue resolved immediately I was lied too and the only reason I bought a vehicle is to help build credit can't do that with no reporting
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management has repeatedly contacted me for over a year in regards to several accounts in which I do not know about. Ive received several notices in the mail with my name on them, but that I have no knowledge of. They have not provided me with copies of a signed agreement between me and Midland Credit Management to use my name or social security number to pay them this money they are requesting. They are threatening to sue me for these accounts. They are harassing me and attempting to extradite me for money that I do not owe them. They have reported these debts to credit reporting agencies. Midland Credit Management has broken my consumer rights under the fair debt collection act.
Consumer complaint received 2021-02-12
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. Dept Of Ed/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXXf XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my business account because on of the customer sent me fraudulent check which I didnt know. I called the bank and explained the situation what happened that i really did business with that company and I showed them check picture and contract papers. They told me that we dont care we dont want any relationship with you. I asked why? Somebody lied to me how did i know if it was fake check l. Why are you punishing me i am already a victim. They put hold on XXXX dollar which was on my account. I asked them to release the funds because i am doing business and my drivers need money to pay for gas, they refused it. After couple of weeks they sent me the check of XXXX dollar bit still holding on 2000 dollar and they are not telling me when they will give me back