davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-11-01
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. (VA)

On XX/XX/2018 I sent out a dispute letter to Experian to validity and accuracy of your recent investigation of these bankruptcies that is reporting on my credit report. I ask them to explain how they conducted their investigation. I request the name of courthouse, the clerk name that you verified the dispute with, the address, the telephone number and documentation used to verify the dispute. I also request a notarized affidavit confirming the information that is provide is true and correct as per my civil rights granted under several federal laws. On XX/XX/2018 I sent the courts a letter on there procedure for verifying information with the credit bureaus. I called Experian XX/XX/2018 asking them to how they validate these accounts. They stated the courts validated the account but can not send me proof of validation but told me to ask the courts for validation.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2018-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I was contacted by XXXX XXXX XXXX stating that I owe a student loan debt. They have no paperwork as to how they arrived at this astronomical sum. I requested paper work and they said they would send it. They did not and proceeded to garnish my wages.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments on XXXX XXXX XXXX XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXXXXXX XXXX   account, and in XX/XX/XXXX updated complaints, Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCN Holdings Inc. (GA)

XXXX XXXX : Account # XXXX # XXXX REF : XXXX XXXXXXXX XXXXl This company identifying themselves as XXXX XXXX, is harassing me by sending numerous letter and phone calls demanding payment for animal removal service and follow up, completed on XX/XX/2015 and second treatment on XX/XX/2015. The company was paid " in full '' for these services via my XXXX debit ending in XXXX. Yet they continually send out harassing demand letters using two different account numbers with two different amounts cited as due immediately. 

XXXX XXXXXXXX XXXX previously harassed me personally, and after investigating they confirmed that they had indeed received full payment via my XXXX debit card. Now they have evidently sold the fraudulent debt to XXXX  XXXX, who have resumed the constant harassment.
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Beginning in XX/XX/2018 I requested validation of debts showing on my credit report from Portfolio Recovery ( see attach letter. ) I never received any validation of the debt from either of these collection agencies but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

I filed a complaint because U.S. Bank refused to return {$5500.00} that was stolen from my account in the form of a fraudulent check. They lied in their response to my complaint, stating that " you stated that you had checks stolen before XX/XX/XXXX. The loss of your checks not being reported was resulted in your claim being denied. '' That's not what happened. When I signed my affidavit I indicated that the checks had been stolen prior to XX/XX/XXXX, based on the address on the check. Prior toXX/XX/XXXX I had no idea a check had been stolen from me. I was trying to give U.S. Bank as much information as possible, and the address on the check was from a residence I moved out of in XX/XX/XXXX. Again, I had no idea the check had been stolen until XX/XX/XXXX when I saw the fraudulent check on my account. If you read their letter from XX/XX/XXXX they didn't even mention anything about the checks being stolen prior to XX/XX/XXXX, they said they refused to return my checks because I " failed to secure '' my checks. The reasons they're giving for refusing to return my money keep changing, but the bottom line is that the check was fraudulent, I had no idea the check had been stolen, and U.S. Bank is obligated to return my funds for the fraudulent check, even though they have continuously refused to do so.
Consumer complaint received 2018-02-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been disputing this debt with XXXX XXXX XXXX XXXX ( PRA ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to Portfolio Recovery Associates ( PRA ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I 've done business with CapitalOne360 since XX/XX/XXXX, but I closed all of my deposit accounts except a single joint checking account in XX/XX/XXXX. I requested my XXXX XXXX report in the fall of XX/XX/XXXXand to my dismay I saw 33 inquiries from CapitalOne going back to XX/XX/XXXX! 

I have n't requested any new banking products from CapitalOne in this time frame. I also closed my only remaining deposit account with them on XX/XX/XXXX. I disputed these inquiries with XXXX XXXX, who said they can only request information on the items one at a time with CapitalOne. This must be a rather slow process, because I initially sent the dispute to XXXX on XX/XX/XXXX It is now XX/XX/XXXX and the representative from XXXX told me so far that a single item is scheduled for removal. 

I initially tried contacting CapitalOne themselves about this, but everyone I spoke to ( via phone and XXXX ) could only tell me they did n't know why these inquiries were added. There was n't even a rote answer prepared, just 'I do n't know '.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (FL)

My path to filing bankruptcy began in XX/XX/XXXX when the economy crashed and I lost a high paying XXXX XXXX in XXXX XXXX XXXX. At that time, I was keeping two households as I owned a home that was mortgaged, and also kept and paid for a second property ( rental ) in the area where I worked. As a result of job loss, economic downturn, and difficulty in finding a suitable replacement to provide the income needed to support both, I fell behind on the mortgage payments. My credit was destroyed by lack of income needed to maintain the level of income I had become accustomed to utilizing. After 4 years of struggle and nearing financial ruin and homelessness, I moved into my fathers home to provide care for him in the final years of his life. As all of this was happening, and I was still unable to earn substantial income and my efforts to restructure my mortgage were basically ignored and dismissed by my mortgage company, they began foreclosure proceedings in mid year of XX/XX/XXXX. It was at this time, in desperation I filed for bankruptcy with no more intention of following through with the process than just attempting to delay the inevitable final blow to my situation and to my psyche. I was finally beaten into submission, or so it seemed. As the process seemed so daunting and basically frivolous, I just gave up without ever following through and withdrew before the BK could complete the process and went into myself and lived a quiet seclusion in shame for the next several years. In retrospect, it was by far a stupid and senseless effort. As time has passed, I have begun to crawl out from under the pressure and shame the whole process has caused for me. If this were no longer a part of my story, it would be an incredible opportunity for which I would be extremely grateful. The bankruptcy filing was with Chase Mortgage and the mortgage itself began with Washington Mutual, which is no longer in existence as it was bought out by Chase Bank. At the time of filing, the mortgage was the one and only reason for filing, and it was a delay tactic which really didn't have a positive outcome. The credit annihilation that has been a result of all the above, is not something I am proud of or wish to ever endure again. This shouldn't be showing up on my Public record because i never truly followed through with a Bk and don't have one in existence.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2018-10-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

Medical debt on my credit XXXX  credit report not responsible for ... .I explained repeatedly and two of the three bureaus removed the debt ... ..Do n't understand why they keep harassing me to pay it.It was an accidental injury while I was a patron in restaurant ... .Owner agreed to pay bill. XXXX XXXX owned establishment.
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (AZ)

This collection has been reported on my credit report. This collection is not valid as I have never resided at XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX reported a joint account opened XX/XX/XXXX for collections in the amount of {$3500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported a joint account opened XX/XX/XXXXXX/XX/XXXX for collections in the amount of {$1500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$1500.00}
Consumer complaint received 2018-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OR)

I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX  employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.

I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.

This is unreasonable service to take so long to simply count my payments and not provide any further guidance.
Consumer complaint received 2018-10-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

I closed my CD with XXXX XXXX on XX/XX/18 and was using the fund for purchase of a home. During my new loan underwriting process, I was asked to provide source of fund which required me to get a transaction history of my closed CD. Since the day I closed the CD, I was not able to view the CD on my online account and when I called XXXX XXXX XXXX, they said I have to wait for the monthly statement on XX/XX/18 in order to see the transaction. I asked if they can restore my CD account online and they said by policy they can not. They also did not give me a verbal warning when I closed the CD that I would lose my online access to the account. 

I am risking to lose my initial deposit of this new home purchase if the new loan is not processed on time, and the fact that I am not able to access my own personal information in any shape or form between account close ( XX/XX/18 ) and the new statement date ( XX/XX/2018 ) is not acceptable to me. I should be able to obtain the transaction history any time I would like even the day after my account closed.
Consumer complaint received 2018-10-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought a game boosting service on XX/XX/2018, as I was in a hurry I want to be served on the same day. After I knew that I had to wait for about 1 week I tried to cancel it, but the only way to contact them is online chat and no one replies me by now. I disputed as soon as possible, but when I received the letter asking for more details, it had passed the deadline and I could not do anything about it.