davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
Consumer complaint received 2017-04-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I ordered an item that I was not aware came from XXXX. When I received the item it was not in US sizes so I did my due diligence and contacted the company for a return label to ship the item back pre paid since it would be more than I paid for the item to send it back they agreed but I never got the postage paid return label. I have disputed this with my checking account Chase Bank which just reversed the credit.
Consumer complaint received 2017-06-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I have requested verification and validation of this debt per my right under the FDCPA secti on 809 ( a ) and ( b ). This company refuses to provide. I have also disputed that this debt is not mine yet  they continue to report a disputed debt on my credit which is a direct violation of the FCRA. I am aware I can seek actual and statutory damages if I choose to file a civil lawsuit against this company. I will be discussing this matter with an attorney. My name is  XXXX   XXXX  las t 4 of  my social are  XXXX  and my date of birth is  XXXX / XXXX /  XXXX  . I am demanding that verification of debt be sent to me. Also you must have a surety bond to collect in my state and your company is not bonded therefore you can remove this from all  XXXX  credit reports.
Consumer complaint received 2017-06-18
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. (LA)

I have attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information. I had  XXXX  send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is showing is a collection account from  XXXX   XXXX  on my credit that continues to be a hindrance to credit health. The account is incorrect and a violation of my rights under th e HIPPA laws. I have no idea who this company is, nor have I ever had a contract with them. I am concerned about this being on my credit rating. I feel that this is incorrect and needs to be addressed in such a way as to not allow these items to be on a persons credit.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a Member of the Class of the XXXX XXXX XXXX XXXX XXXX Breach and ensuing Identity Theft, my wife I and have had to defer all inquiries from debt collectors to this precedent ; none of the debts being collected against us are ours ( save for our first Mortgage, Federal Student Loans and XXXX XXXX XXXX ). Furthermore, I have an LAPD ID Theft Case ( # XXXX ) which needs to be taken into consideration. Together, these cases represent the significant reason why these debts originated and, to wit, why my wife and I should be absolved of them.
Consumer complaint received 2017-06-18
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. (IL)

I disputed inaccuracies in my consumer report with Transunion and I received a notice back that the errors were not corrected. I have no current contract with  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX  ,  XXXX ,  XXXX   XXXX  or  XXXX   XXXX  Credit Card. I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to not being valid. But Transunion continues to harm my ability to participate in commerce.
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

Had a Citi Simplicity credit card. My HELOC company wrote check to PAYOFF balance. I sent in timely per bill. Checked online. Remaining balance was {$38.00}? Figured it was interest so I immediately paid it to XXXX it out. Online said XXXX. Days later a {$68.00} autopay came out of my bank. I called. Rep said it was a mistake and autopay now OFF because the balance was XXXX. I could wait for a refund or use the card to absorb the credit. Just checked. I was worried citi would continue to deduct XXXX because I had turned it off and it didnt stick. She said because it was XXXX balance no autopay would issue. Citi says I now owe XXXX by XX/XX/. So I called. The 1st rep said I was always 1 mo behind. Nonsensical. I paid the amount due each month. My credit would have suffered. My credit is good. And wasnt I on autopay? They were lying. He had no answer for how to reconcile that with a payoff of the entire balance. How do you pay off the entire balance of over {$2000.00} and then get a 1 mo behind issue? 2nd lady said I owed like $ 100+ more. But that does not explain 1. Why my balance was XXXX with my XXXX payment ( I paid the balance in full option online when I checked after my large payment posted ) and 2. The other rep saying autopay was a mistake and Id get a refund etc. Ive been defrauded out of at least {$76.00} because Im trying to close the account. I paid the {$8.00} today just to get the account closed to sever Citis ability to access MORE funds in my account. But I didnt owe any of it ( XXXX or XXXX ). The 2nd rep today said there were no notes from my discussion with the rep on Monday who said the XXXX autopay was a mistake. The lady today was clearly lying. Ive been a lawyer for 25 years. I didnt imagine my conversation earlier this week nor did I just randomly pay XXXX for no reason.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX : account number:XXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I 'm writing this letter in regards to the account listed below : COLLECTION BUREAU OF A XXXX This account was already deleted from my credit report. Experian reinserted in my credit report without notifying of this action and giving me 5 days notice. I never received any notification from Experian. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. To avoid me hiring an attorney to enforce my rights, I 'm asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted. 

If I do n't hear from Experian within that time frame, I will file complaints with the Attorney General 's Office and the Consumer Financial Protection Bureau. I will also hire an attorney to review this matter for me.
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (SD)

While at   XXXX   XXXX   XXXX   a student loan I had received from  Wells Fargo went into rep ayment. This would have been in  XXXX , I found out about this in   XXXX   when access to cellphones was authorized. As a result, negative reporting was made to the credit bureaus. Because my  credit score is so young, this reporting dropped my credit score o ver  XXXX  points. It should be noted that immediately upon return home, a payment was made in excess to what was required.   There 's  XXXX  areas of question : I was under military orders during the time of repayment and had no prior indication this loan would go into repayment during that period.    XXXX , the loan should not have gone into repayment during that period. I graduated   XXXX   XXXX   XXXX     with a  XXXX  year  XXXX . in Physics. According to the loan request/credit agreement I signed with  Wells Fargo, the repayment period starts immediately after the interim period which is defined by : " a ) 6 months after I cease to be enrolled at school, unless I re-enroll in another school eligible under Title IV of the Higher Education Act or another eligible school approved by you within that 6 month period ; or b ) 4 years   after the date of my first disbursement if I am enrolled in a two-year program of study ; or c ) 7 years after the date of my first disbursement if I am enrolled in a four-year program of study. '' According to this article, my loan should   have never have been in repayment, because I would have 6 months of interim from my graduation date. All of my federal student loans followed this.
Wells Fargo states the because the type of loan I received is for " career and community coll  eges '', this puts the repayment status as on for a  XXXX  year program. However, this is not what the agreement I signed says.   In summary, I received negative reporting on my credit report from a private student loan with  Wells Fargo, while on   XXXX   XXXX  , during a repayment period which should have been an interim period as stated by the loan agreement. I feel that Wells Fargo is practicing unfair lending, and doing anything to protect themselves from having acted wrongfully.I have no problems repaying the loan, the only action I wish to accomplish is the negative reporting taken off my credit report. I 'm not able to effectively manage my finances before my next report date due to this significant drop in my credit score. I am able to provided as much documentation as needed to support my case.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (WI)

Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. 
In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.
Consumer complaint received 2017-06-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I have purchased a vehicle in  XXXX  o  f 2015 for the amount of {$24000.00}. After i got a loan assigned, the amount went up to almost {$28000.00}. since then i have tried to make a several attempts to resolve this problem with a loan company " Santander Consumer USA '' and i either get transferred to another line or they are hanging up on me. I can not meet someone in person to talk because it is only over the phone process. also i have asked to lower the amount of monthly payments and was denied. so far S.C.U. is not lowering the amount i owe. I have paid around {$15000.00} to them and they have just lowered it to approximately {$1000.00}. there is absolutely no communication with them. i have filed a claim against S.C.U the to BBB.org and the have sent me a new contract with an amount of {$27000.00} for 72 months. which basically is a loan from the beginning.
In the beginning of the year i had no jobs for couple of months, and i have asked the for a couple month lower payment and was also denied.
Consumer complaint received 2017-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Between  XXXX   XXXX  and  XXXX   Portfolio Recovery w as removed from my credit report and after such action was taken it was placed back on my report between  XXXX   XXXX  and  XXXX   XXXX . According to FCRA I must receive written notification of such action being taken. I never received proper notification of this account reaging or of debt being placed back on reports. Also, Ive written portfolio recovery several times requesting validation with my signature attached for alleged proof. To this  date PRA has refused to cooperate and send me the requested information. Failure to respond within the allotted time frame with requested validation, as well as reaging the account with   XXXX   is means to have  this debt deleted immediately from my credit file.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I submitted an electronic dispute for various incorrect information and accounts on my consumer report with experian on  XXXX / XXXX / 17 . I received an email on  XXXX / XXXX /   17  saying that the investigation was complete and nothing was corrected on my report. They clearly did n't try to contact the companies that were disputed for updated information in such a short time. I have contacted the other bureaus about this same issue and they have deleted the errors. I am being negatively affected by experian 's negligence and I am facing significant financial repercussions due to this false information in my report. Dispute #  XXXX
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
Consumer complaint received 2018-08-19
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. (CA)

Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-19
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)

Hello, I am launching this complain because I feel like you are my last resort before filing a law suit against the credit bureaus. I am a victim of identity theft. I have sent the bureaus a copy of my fraud affidavit packet, my police report and my notarized statement- its no use after 6 months I have not received a response and/or the accounts remain on my credit. I hope they will respond to you and we can get this resolved if not I will be filing a law suit with the federal courts. 

XXXX XXXX FKA 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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IL)

Syncrony Bank- Walmart Cre dit card charges daily interest not annual. I have had my account closed since  XXXX , My balance at that time was just under  XXXX  dollars of  XXXX   XXXX  dollar limit. It is now over  XXXX  dollars. They are charging late charges, yet my due cycle was changed to the  XXXX  of the month as soon as I opened the account because I am on  XXXX  and only get paid the  XXXX  - the  XXXX  depending on date  XXXX  falls on.   On my credit report it says never late, this month they claim I owe  XXXX  for a payment, The site for their credit report says annual percentage rate. The representative I talked to last month said it is daily on purchases, yet card was closed at my request.    XXXX  is no better, but more transparent,  Walmart  on the other hand has been awful from day  one on la ck of clarity and changing terms, due dates, and interest at their will with no agreement from me. I have filed a dispute with  XXXX  but no result as of yet.    Walmart said i t will take up to 60 days to adjust due dates ( again mind yo u )  and to get results of their erroneous interest charges on this closed account. I do not owe this amount, it is much lower, I have paid faithfully the minimum and a few times well over that when I closed the account. Balance should be approximately  XXXX .
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

X/XX/XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , TX  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   VA  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account #  XXXX , which you claim ( Collection account of {$940.00} was charged off ). This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have  ( or ever had ) some contractual obligation to pay you.      Pl  ease also be aware that any negative mark found on my credit reports ( including       XXXX   XXXX   XXXX   XXXX     ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within  XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I   will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Neglige
nt Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to   the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.       P.S. Please be aware that dependent upon your response, I  may be detailing any potential issues with your company via an online public pre ss release, including documentation of any potential small claims action.
Consumer complaint received 2024-10-28
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. (SC)

I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.