davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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: OneMain Finance Corporation (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank incorrectly opened a credit card and bank checking account on my behalf. The bank had my information as part of its acquisition of XXXX 's retail bank, however, I had closed and paid off all accounts with XXXX prior to the acquisition. 

CItizens claims that I owe them XXXX dollars in credit card fees. They never contacted me about this, and I only learned of the opened accounts when I applied for a mortgage at XXXX. XXXX informed me that there was a charge off from Citizens for XXXX dollars. 

Even if XXXX incorrectly closed my accounts, there is no way that I could have know that I owed XXXX dollars to Citizens.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2022, a check was mailed from my personal bank to XXXX Bank in the amount of {$4300.00} as payment on this account. My records indicate this check was cashed by XXXX Back on XX/XX/2022 ( see copy of check attached ) and posted to my account on the same day ( see enclosed statement ). 

During the period that my payment was in transit ( in the mail ), my account held by XXXX Bank was in transition to be handled/controlled/owned by Barclays. 

On XX/XX/2022, once the account was under the control of Barclays financial institution, the payment of {$4300.00} was reversed ( see the enclosed statement from Barclays ). 

I have repeatedly contacted and disputed this matter with Barclays since receiving my XX/XX/2022 statement. The payment of {$4300.00} has not been restored to my account and, interest has been accruing on this matter since the error occurred. I have attached two of the many letters ( which are similar and provide the same message ) stating that they are unable to handle the request after waiting approximately 40-60 days each time. They then instruct me to contact them again regarding the matter only to take me through the same process with the same result. 

Per the enclosed letter from Barclay, concerning the transition from XXXX to Barclay, payments made prior to XX/XX/2022 were to be mailed to XXXX. The payment in question was mailed prior to that date and was sent as instructed to XXXX.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXXXXXX XXXXXXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX  with account # XXXX XXXX XXXX  with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXXXXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI)

I have 3 mortgages with Rushmore Loan Management Services. On all three I pay the escrows. On all three they have not paid the escrows. These mortgages were acquired XXXX, XXXX and XXXX of XXXX and XXXX and now I'm getting notices for non payment from my insurance companies and the taxing authorities. 

Account number XXXX is for XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX I also have loans on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NH XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act 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 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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act 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 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 2023-01-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Navient has hidden a student loan from XXXX till XXXX. 
I was sued in XXXX. I was sued in XXXX. I was sued in XXXX. I made arrangements in XXXX to pay all my student loans from Navient and I never missed a payment. I had 3 student loans. I provided all documentation. 
As paying off those loans is coming true Navient has thrown the surprise 'you have a 4th " student loan. My last complaint discussed how they hid from all law suits this last loan. Now 'it 's hey you owe us all the money plus interest ' when it was never once mentioned in any legal proceedings against me, all of which were dismissed because I paid all my bills on time. 
I just paid the same amount I always paid on a loan because I assumed this was one of the ones I'd been sued on. I don't understand how a 4th one is hidden and it's legal to say 'surprise you owe more. ' The response to my previous complaint XXXX was basically 'here is the promissory note ' that I have no memory of as it was signed apparently in XXXX. The response does not answer any of my complaints of hiding a student loan from all collections for over a decade.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Case Number : XXXX Account Number XXXX XXXX XXXX billed on XX/XX/2020 for {$1700.00}. 

I bought 2 airline tickets on priceline using my capital one visa card. The airline cancelled the flight and I did not receive the tickets I paid for. XXXX refused to issue a refund. I spoke with XXXX on XX/XX/2020 and most recently on XX/XX/2020. The airline said that I would need to speak with XXXX about refunds ( since I paid them for the tickets ). With no other options available, I disputed the charge and provided evidence that I did not receive the goods and services I paid for. This included a letter from the airline stating they cancelled the flight. I also included US laws from dept of transpotation indicating refunds are required I. This isntance. XXXX falsly claimed in what appeared to be a routine prewritten response that the cutomer cancelled the flight. This was false and I provided evidence to the contrary. Capital One clearly did not review my evidence and simply denied my dispute stating that the. " merchant did not violate operating guidelines. They did not investigate or even address the fact that I did not receive the goods and services I paid for which was the basis for my dispute.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello My name is XXXX XXXX XXXX. I have called the all XXXX credit bureaus and literally spoke to someone directly to correct my addresses and names and current address. 

To my surprise It's as if I never all them at all? It seems as if my information got worse When I tryed to get a loan I was denied many attempts and nothing only to find out the credit bureaus did not update my names or addresses. It seemed as if it got worse This is totally intolerable - I have to call my attorney to see what he can do? 

Also, note 3 years with XXXX different companies to clean my credit and reputation Please help in this serious matter I have nothing but denial letters with high interest rates and does not make any sense! 
My credit was at XXXX and dropped by XXXX and completely deny my credit was higher and can not understand how it dropped when my XXXX is low 18 %
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (SC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-01-06
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2023-01-06
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: SANTANDER HOLDINGS USA, INC. (AP)

Would like to see about having Santander Consumer removed from my credit report, I used to have an auto loan with them but closed that account over a year and a half ago. I am aware of the fact that Santander is involved in litigation & in a class act lawsuit.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In early XXXX late XX/XX/2019 I had closed my secured credit account with the help of an USAA teammember. This was during the California fires and the secured card which was connected to a CD that was already done. She said lets close this and see if you have any refund that can help you get your funds back from your deposits. She said that it was nothing extra so she just closed the account and offered other services. I didnt owe them anything because it was always based on my deposit amount.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (WI)

World Finance Corporation ( po box XXXX XXXX SC XXXX ) has closed my account/written off debt. But continuously keeps reporting that I owe a balance to them. Trying to tank my credit score on purpose this has been going on since XXXX. I initially borrowed $ XXXX {$400.00} now they are saying I owe them in the amount of {$3300.00}. I am currently in bankrupcty they are fully aware that I am and yet still keeps trying to sabotage my credit score on purpose. They have even went so far to check my credit score without my permission. My discharge date is XX/XX/XXXX if this continues I will have no choice but to pursue legal action against this company. For being in violation with the FDCPA. They are fully aware of what they are doing, and I fear that they maybe doing it to other consumers.
Consumer complaint received 2023-01-06
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. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. PLEASE BLOCK AND REMOVE IT.
Consumer complaint received 2023-01-06
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-01-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (SC)

I received an email from One main financial stating that I could pre-qualify for a loan and that it would not affect my credit score in any way I then proceeded to submit the last XXXX of my social to see if I pre-qualified at that time it said that I did not. This happened on XX/XX/XXXX around XXXXXXXX XXXX. I then received an email from XXXX stating that they had done a hard inquiry on my XXXX XXXX from One main financial, who told me that it would not affect my XXXX XXXX in any way. I would like to have this resolved because they did lie when in fact they did check my credit.
Consumer complaint received 2020-05-27
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. (AZ)

On XX/XX/XXXX XXXX XXXX XXXX/ From original Creditor XXXX  placed a collection on my TransUnion report for {$490.00} ( They reduced it later to {$490.00} ) This Collection is not accurate for 2 reasons : 1. I had an account with XXXX  which I terminated XX/XX/XXXX after a 6 month agreement I completed. They tried to continue to charge me saying I had a one year agreement which is false, for which I disputed and got my money back from my XXXX XXXX Account. 
2. This account is violating my rights under the Statue of limitations because it was wrongfully reported as a new collection on XX/XX/XXXX when this was an account closed XX/XX/XXXX ( 7years prior ) which will make it now 8 years old for which even if it was a legitimate collection ( which is not the case ) it will be removed because it is 8 yrs old. 

I disputed the above collection to TransUnion and on XX/XX/XXXX they reported as investigation results that it was verified as accurate and that it will not be removed until XX/XX/XXXX.
Consumer complaint received 2023-01-06
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: ACIMA CREDIT, LLC (NY)

ACIMA DIGITAL FKA SIMP stated that they was not going remove account number XXXX but, how is that possible if the open date is inaccurate, the date for last payment is also inaccurate. I would like to see the original contract with the date that you provide if not, this ground for removal, they also violated my rights under 15 U.S.C 1681 section 604A Section 2. The law clearly states a consumer reporting agency can not furnish a account without my written instruction Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/ ( Please provide adequate proof that I opened this with the that you provided account with original documents with my signature ) Balance : {$3300.00} No. of Months ( terms ) : XXXX High Credit : {$3100.00} Credit Limit : {$0.00} Past Due : {$2200.00} Payment Status : Collection/Charge off Last Reported : XX/XX/XXXX  Comments : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/ Date of Last Payment : XX/XX/ ( Need proof that this payment was made by me. )
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NC)

I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Consumer complaint received 2023-01-06
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)

I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXXXXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX I never worked there XXXX