davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$85.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (SC)

I settled an account with Conn 's but my credit report is reflecting that I still owe a balance. I need this corrected ASAP. I called Conn 's and was told I needed to call XXXX. XXXX told me that I needed to call Conn 's.
Consumer complaint received 2020-08-27
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: U.S. BANCORP (AZ)

I received a U.S. Bank Reliacard in the mail on behalf of The Colorado Department of Labor and Employment ( CDLE ). I did not apply for this card. The CDLE website is useless for reporting fraud and their live chat feature is also useless. A person can not call U.S. Bank about the card without first activating the card which I will not do. I never lived in Colorado or paid taxes in Colorado. Why would Colorado issue me this unemployment card? 
All of these agencies are inept. 
This is identity theft.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On XX/XX/2019, Equifax refused to freeze my credit report, and refused to give me any information that would allow me to get my report frozen. 
Equifax claimed it can not identify me -- after I spent close to two hours online, on hold, speaking to two representatives, and being cut off twice. ( Both XXXX and XXXX had no difficulty identifying me, and freezing my reports. ) Equifax appeared to get hung up on credit cards questions, and on my inability to recall the issuers and balances on cards I cancelled many years ago. 
Although Equifax ( " XXXX '' ) said I must make a written request, it refused to provide the name of an individual, an office, or an address in the United States that I may contact. ( The only address he provided, and only after repeated requests, was for himself : XXXX, Customer Representative, XXXX XXXX XXXX XXXX, 1 XXXX XXXX XXXX, XXXX, XXXX. ) Nor would " XXXX '' allow me to speak with his XXXX  supervisor. I explained that I need to freeze my report before leaving the country. " XXXX '' also refused to put me in touch with the Equifax legal department or to identify the Equifax agent for service of process in Virginia. ( " XXXX '' initially claimed that he was the agent for service of process. )
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

10 years ago, I did bankruptcy and of course my credit score went down XXXX points. Over those 10 years I work hard to get back on my feet. A week ago my credit score went up XXXX points and, I checked my Experian account, and I saw that my Bankruptcy is not any more on my credit report. Now, of course I am very disappointed about this. I don't know who can help me to fix this. It is so unfair!!!!! After those 10 years of struggling about this credit score I am getting XXXX points. Also I had my student loan for more than 10 years, and that one went away and I received XXXX points. Where can I find a solution to solve these issues??
Consumer complaint received 2019-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

First contacted them on XX/XX/18. Last contact was XX/XX/XXXX. 


1. There is no balance history anywhere that I have access to ( desktop browser ). There is only transaction history and current balance. This is extremely shady and allows all the XXXX  that follows. 
2. I'm watching my balance as I'm selling things on XXXX  because I'm going to pay for something close to {$300.00}. When I'm almost there my current balance drops about {$70.00} without there being any new transactions. This occurred during the middle of XX/XX/2018. 
3. Paypal notifies me by email that an XXXX  buyer made a fraudulent chargeback with his credit card. The item was sold for {$23.00}, and paypal says there's a chargeback fee of {$20.00}. Nothing close to {$70.00}. And neither of those items showed on the activity page. 
4. I contact Paypal support via the site 's message center. They tell me to call. I call and they tell me they'll pass it on to someone who will look into it and email me. 

The {$20.00} chargeback fee gets refunded, again without any record/new activity listed. My balance simply changes again. 

5. I never get an email. So I send another message. They refer me to the merchant support site. I contact that support site and they ignore the problem of the missing money and tell me I need to upgrade to a business account to be able to see my balance history, and tell me to call support. I call support again and they tell me I need to put in my social security number in order to view my balance history. That seems VERY sketchy so I do a XXXX search and see warnings about that. I put it in temporarily and it has no impact. You can't remove it, so I change it. I call support again and tell them that adding my social did nothing. The person is totally incompetent, makes nonsensical & contradictory statements, has no access to anything. Either speaks terrible english and doesn't comprehend anything, or is using that as a farcical excuse to not help me. I ask to speak to someone else, they put me on hold for 40 minutes then disconnect me. 

Looking at the information they referred me to while on the phone with support, they retroactively changed my balance so that it was never close to {$300.00}. 

I gave Paypal proof of delivery and they disputed the chargeback with the fraudster 's bank on my behalf, but they said the bank sided with the fraudster. This person is regularly doing this to multiple sellers and Paypal refuses to do anything. I called the police to report the chargeback fraudster and they said my only option is a civil suit.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 2288984 Ontario Inc. (TN)

I called moneykey on XX/XX/XXXX to tell them that my job closed my store due to the virus and I have no income coming in at the moment. I wanted to set up a payment plan for when I get income coming back in. The guy on the phone told me " I suggest you apply for unemployment so that way you can pay us back. That is the option most people are taking to get our money back. '' Then I told him I wanted to revoke the authorization for ACH because my bank account is now negative $ XXXX due to this. He told me he turned that off for me. Now, on XX/XX/XXXX I am getting automated voicemails from them for me to call and also a email saying that a payment did not go through. I checked that bank account and again they tried and I have more overdraft fees. I called them on XX/XX/XXXX to ask why they tried to push a payment through after I revoked permission for them to do that last week and we set up a payment plan when I got income coming back in. They lady on the phone acted like she couldn't hear me after I finished my question. I kept repeating myself over and over and still same response " I can not hear you can you repeat that again. ''
Consumer complaint received 2018-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX is attempting to foreclose on my property with fraudulent robo signed assignments. I have asked debt validation, and sent 2 QWR. I have not received a response from either. The assignment are fraudulent and fraud can not be the basis of obtain a deed ; therefore, the notice under power of sale is fraud and cant be used to conduct a foreclosure.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX contacted XXXX, XXXX, and Equifax to reinvestigate this accounts : XXXX XXXX XXXX Account number : XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modity accounts that aren't reporting correctly. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. Due to the inaccurate reporting and fraudulent errors reporting on my credit report, this has dropped my credit score XXXX points. My credit score was XXXX from hard work and dedication and responsible consistent maintenance. In addition this is a business account and responsibility is legal bound to business and by law should not be reporting to my personal credit report only to XXXX number under the business. This inaccurate reporting error and violation is financially devastating for me and is a complete hindrance for my financial future and current livelihood. With such a drastic decline in my credit score I am unable to buy a house, obtain credit and provide from my family provide for my family. I am currently suffering from XXXX XXXX XXXX  and emotional distress due to this situation.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

Owed XXXX on Wells Fargo card with a special term end date of XX/XX/2021. Special terms are : there is no interest charged if account paid in full by that date. Had a monthly autopay in place of XXXX on the 16th of month during the promotional period, set up on their WEbsite. Made a lumpsum payment of XXXX on XX/XX/2021 so with the autopay of XXXX it equals XXXX but they ignored the auto pay and new statement shows XXXX interest charged plus XXXX own. How I would paid XXXX and would left XXXX? This is so misleading. 
On Monday, XXXX XXXX, spoke to XXXX IXXXX XXXX ( wellsfargo XXXX  ) who charged XXXX and stated he would take care of the charges. The web site for well fargos shows payment of XXXX interest still there. 
It is very misleading.
Consumer complaint received 2018-09-25
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: AMERICAN EXPRESS COMPANY (MA)

At XXXX, XXXX in XXXX AZ in XXXX of XXXX. Time share presentation represented as vacation points. Verbally told to open an XXXX account w/ them ( I already had an XXXX account ) in the amount of XXXX. The amount of a XXXX percent down payment. Verbally told no payment or interest for one year. Membership to start in XXXX, can cancel at anytime. Did not understand that the real estate transaction superseded verbal agreement. 

Received XXXX bill immediately, with interest. Tried disputing XXXX charge, never activated XXXX card. XXXX will not honor any verbal agreement. I am responsible for full amount.
Consumer complaint received 2019-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (VA)

I have never signed or established a contract with XXXX. My wife, who I was separated from at the time, set up a XXXX contract for a home she purchased in XX/XX/XXXX. 

On XX/XX/XXXX, I received email from XXXX stating that my account was 60 days past due. I immediately forwarded it to my wife and asked her to find out why this was being sent to me. 

XX/XX/XXXX, My wife contacted XXXX via phone and tried to fix the miscommunication. She was told that I was the account holder, and I was would have to fill out paperwork. Later that day, I received an email from XXXX XXXX providing me with a name removal memo and an Addendum Agreement. 

Being the businesswoman that my wife is, she was offended because she knew I was not the account owner nor did she want me to be. A couple days later, my wife and I both got on the phone with Vivint to question how my name was on the account in the first place. We then requested to receive a copy of the contract agreement. Again, we knew it was impossible for me to have signed or be on a contract agreement. On that phone call, we were told they could not find a copy of our service agreement and requested that we find a copy of our agreement and send it to them. 

My wife asked the young man on the phone, " If people can't trust you to keep up with my service agreement, then how can I trust you to monitor their home? This is unsatisfactory. Find the contract and email it to ... '' That was the last time either of us spoke to or heard from anyone at XXXX. I have since disputed the bill on my credit report to no avail. 

I appealed to the debt with the debt collector through the appeals process, and have not been able to get this removed from my credit report.
Consumer complaint received 2019-07-22
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: SIMM Associates, Inc. (NC)

Simm Associates is trying to collect on a file for XXXX XXXX that was recalled by the original creditor in XXXX. Despite being informed of this and confirming that they cant take payment or discuss the account they still have not taken the item off my XXXX report so I am filing a complaint. XXXX and XXXX deleted the account in XXXX
Consumer complaint received 2019-07-27
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: EQUIFAX, INC. (NC)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-01-25
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: EQUIFAX, INC. (CA)

I was a victim of identity theft and was made aware by XXXX XXXX banks incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX  is being responsive but slow and I have to file new reports one at a time. Equifax and XXXX  have been unresponsive please help.
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

In XXXX of 2019, there was a mortgage payment posted to my account that I had not made. When I called US Bank to inquire what this payment was and why it was on my account, I was notified by the US bank call center representative ( XXXX ) that their was an escrow balance overage and that it was applied to my account. 

I mentioned multiple times that I had not sent in my payment but the US Bank representative assured me that the payment was valid and correct. Now the first of XX/XX/2019, US bank notified me that they had made an error on their end and that two months worth of mortgage was due in XXXX on account of their error. I attempted to send in my payment for XXXX and they did not want to accept it. I was told I was to make the two months worth of payments and that they would not receive just one month. 

I have been trying since the beginning of XXXX to work with US Bank to find a resolution to their error and have been given the run around for weeks now. I have been accused of being a delinquent who does not want to pay my mortgage by one of their male representatives ( XX/XX/2019 ), I have been laughed at because of my XXXX name, and I have been treated with sheer disrespect from a supervisor named XXXX who refused to help me when I called last on XXXX XX/XX/XXXX. This supervisor answered the line by saying " What do you want ''!!! Set individual even proceeded to tell me that I wasn't going to ruin her mood for the day and hung up the phone. US Bank is not owning up to their mistake from back in XXXX, they have sent numerous threatening letters of foreclosure, negate the fact that I have uploaded to their portal multiple times documents that they have requested for a request for mortgage assistance ( RMA ) and have made this a tremendous financial and emotional burden on myself and my family. They have reported my account to the credit bureaus on account of their mistake and I am not sure at this time what my rights are on account of not being able to achieve a reasonable solution. 

I do not negate the fact that the last three times I have called, I have been quite upset an account of the sheer unprofessional individuals US bank has in this call center ( XXXX ) and how they seem to not want to own up to their mistake which has caused tremendous suffering as well as emotional and financial distress. I can not believe that a mortgage company treats its customer the way I have been treated by US Bank.
Consumer complaint received 2019-07-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Please note I sent a dispute with equifax and they responded that one of my debts from XXXX XXXX XXXX for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that equifax is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that equifax remove this debt from my file immediately.
Consumer complaint received 2019-07-28
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. (FL)

The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP..Please change this, fix the account please XXXX XXXX XXXX XXXX XXXX,