davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I visted XXXX Physicians in XX/XX/XXXX for treatment due to my medical condition. At the time, I was insure with medicaid when treatment was provided. Three months later I received a bill from XXXX   stating that I owed {$210.00}. When I contacted XXXX I was told that my insurance didn't cover my treatment and that this bill was now in collections. I then contacted medicaid who confirmed that the treatment was denied because XXXX  submitted the wrong paperwork. The representative instructed me to contact XXXX  and tell them to either contact them or resubmit the paperwork and that they would glady take care of it. So I contacted XXXX  and explain to them that they must contact medicaid and resubmit the paperwork. The lady I spoke with informed me that they do not speak with insurance companies but I can contact the insurance company myself and we can all talk three way, which I did. All three of us were on the phone, a medicaid representative, XXXX billing department and myself, when medicaid told XXXX to resubmit the paperwork. The gentleman informed them that they have submitted the paperwork twice but will try again. On XX/XX/XXXX, a collection was added to credit report from Bull City Financial stating that I owe a debt from XXXX  Physicians in the amount of {$210.00}. I want this debt removed from my credit report because I feel it should not be there. If the two companies just communicate with each other this could have been settled months ago. The last 4 digits of my SSN # XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is an credit card I had back in XX/XX/XXXX, I had a fight over the phone with customer service for lying to me about taking ( 2 ) late charges off at that time, which they refused to and added 2 more instead when i had a agreement with one of the worker who represented Capital one of XXXX, so I told them to just close the account which was for a total credit limit of {$350.00}, I felt they were trying to scam me since I had the card for many years, and at that time I was on unemployment, its was the beginning of the recession. They sent me and a friend of mine who is my attorney at the time, paperwork, which I disputed this hole affair and explained it to a judge, I believe my lawyer sent an order to show cause?? Not sure, I believe the judge sided with us, anyway I never heard from capital one again, that was 13 years ago. 

Until XX/XX/XXXX on XXXX XXXX I recived a sheriff notice to garnish my salary. 
Now at the same time I have a ( one ) credit card I just opened to rebuild my credit in XX/XX/XXXX and its from Capital one who just increased my credit line to {$220000.00} and I am in good standing with them? Now I spoke to the law firm that is garnishing me and they said ; they would send me all the paperwork that shows the dates, the judgement and when I was served, which I was n't ever notified of a judgement or a court date other then the court date my attorney went to, but he is now out on medical comp due to his XXXX XXXX XXXX and unable to reach?? Is this legal after all this time? Never any attempt to collect or settle or contacting me before garnishment in 13 years now that the amount has all this interest built up they garnish??? I only owed ( {$350.00} )???? If that??? Plus is n't there some kind of statued of Limitation on Judgments also??
Consumer complaint received 2018-01-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (VA)

In XXXX XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of {$1100.00} to the various credit reporting agencies on XXXX XXXX, XXXX. The original creditor 's name on the collection matter is CashNet USA. 

On XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from XXXX XXXX about this debt, giving me the right to dispute or understand the claim. I was told by XXXX XXXX XXXX that they spoke with me in XXXX XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with XXXX XXXX about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I can not say the origin of these calls, but I have not spoken to XXXX about this debt. 

XXXX XXXX XXXX informed me that this matter is about a payday online loan obtained from CashNet USA around XXXX XXXX and became delinquent in XXXX XXXX. While I do recall using CashNet many years ago, I have not heard from CashNet or any other XXXX about a balance owed, and a request at this time is extremely strange. CashNet debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled. 

I asked XXXX XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that CashNet debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help. 

I was recently informed that such loans are not legal in Virginia and the loan is void. I believe CashNet and XXXX XXXX XXXX is fully aware of this situation. CashNet and or XXXX XXXX XXXX should provide proof that this loan is n't void, and until documentary proof of a debt and that the loan is n't void, I do n't think they should be putting this on anyone 's credit report.
Consumer complaint received 2024-11-03
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. (MI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Mortgage Loan on XX/XX/2024. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I applied for the XXXX XXXX XXXX XXXX form with Navient, the response they gave me was that I was not approved for the XXXX. After that I asked the representative what the reason of for this denial, his reply was " he could not give me an answer. '' Next, I asked him how much would ; I have to pay each month on the account, he then gave me an outrageous amount. I subsequently begin to say to him, I am XXXX and receiving social security benefits, and I do not get much money each month. Moreover, I would not be able to afford the amount that the company is asking me to pay ; his response was, were you XXXX when you took out the loan. '' I was so taken back by his responses, which left totally speechless, I said thanks and hung up the telephone. After having that conversation with Navient, I just let it go. Until about a year later when I tried to reapply for the XXXX  XXXX by having my physician fax the necessary medical documentation that was requested. However, I have not heard from Navient. In my opinion, whats the purpose of saying that students can apply for XXXX XXXX  XXXX if the company is not going to honor any documentation stating the fact that you are XXXX  XXXX and incapable of working? There is absolutely no talking to this company, they are rude and do not care if you are destitute and unable to pay your rent. In addition, I have not had any problems with my other students loan accepting me as being XXXX XXXX. 

I would have to get the documentations from my doctor.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

Good evening - I have contacted this company a total of FIVE times since XXXX of 2017 regarding two debt collection accounts on my credit reports. The latest certified letter was sent to TransWorld Systems on XXXX XXXX, 2017 requesting validation of the alleged debt, as well as proof that this company has the legal authority to collect the allege debt on behalf of the original creditor. I received a letter billing ledger as validation. This ledger does not  assign the debt to me. I have yet to hear anything back from TransWorld once I told them that the handwritten ledgers did not assign this debt to me. This company still has neglected to include proof that they have the legal authority to collect the alleged debt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/XXXX XXXX/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 XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/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 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Tax debt was filed in my credit reports in XXXX XXXX and XXXX XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OH)

On XX/XX/XXXX subject used my personal information to contact XXXX XXXX XXXX XXXX XXXX to have replacement card shipped to an address other than mine - XXXX XXXX XXXX, XXXX, OH XXXX. The subject than made ( 3 ) seperate purchases of {$1000.00} each totalling {$3000.00} at XXXX  XXXX XXXX in XXXX, OH. These transactions took place on XX/XX/XXXX at the hours of XXXX, XXXX & XXXX. On XX/XX/XXXX at XXXX XXXX I was notified by text message that Wells Fargo had received these charges. I immediately telephoned Wells Fargo and stated that these charges were not mine, request an investigation into the fraudulent charges and requested that the account be closed. It was n't until XX/XX/XXXX that I received a message on my online bank account notifying me that on Wells Fargo had shipped a replacement card to an alternate address in XXXX, OH. I do not recognize this address and have never been to XXXX, OH. On XX/XX/XXXX I filled a police report with my home town XXXX XXXX Police - Case number XXXX reporting the identity fraud. On XX/XX/XXXX I  received a letter from XXXX XXXX XXXX that they rejected my claim that these credit card charges were fraudulent and that I was responsible for their repayment.
Consumer complaint received 2018-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

My husband and I currently have a home equity line of credit ( HELOC ) with JP Morgan Chase. It is at the term end, and we decided to renew the line. When I received the information regarding our credit scores, I knew they were incorrect. 

Chase noted they had used Equifax as their credit score provider. I ran both my husband 's and my Equifax scores and found discrepancies between the scores Chase reported and our actual credit scores. Chase reported my husband 's XXXX score as XXXX. The XXXX score I ran was XXXX. Chase reported my score as XXXX. The XXXX score I ran was XXXX. That is a 24 point difference for my husband and a 41 point difference for me. Just as a reference, I also pulled my FICO score which was XXXX, which is still a 27 point decrease. 

I inquired why the scores were so drastically different, and the Chase representative stated they used the XXXX score and then factored in the loan we had yet to take. This means the score Chase reported to us was NOT an XXXX score. It may have been loosely based on an XXXX score with a Chase specific algorithm applied? Although if that were the case, the scores should have been affected equally not a three percent decrease for my husband and a five percent decrease for me. 

Chase uses credit scores to determine interest rates and terms. The differences in credit scores mean a difference in loan terms. An " excellent credit score '' may be prime plus .25 %, and anything less than that may be prime plus .33 %, .50 %, .75 %, etc. That can be tens of thousands of dollars over the course of a loan. 

While this artificial deflation may not affect those people solidly in the center of the credit score brackets, it significantly affects those on the bubble. For example, if the true credit score is XXXX, which is the bottom of " fair credit, '' the artificial deflation would sink the score into " poor credit '' which will garner a higher interest rate or possibly a loan rejection.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Re : Disbute of inaccurate and/or incomplete information in the consumer report.

To Whom It May Concern, You are reporting inaccurate and/or incomplete information concerning my consumer reports. Your conduct has caused me distress and financially harmed me with cost and loss opportunity. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, also unverifiable by you : Re : Reported Bankruptcy Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX I contacted the Court of Record you listed on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. ( See attached ) I then contacted XXXX and informed them of their errors in the reporting and they responded with a letter deleting any and all Public Record notations.

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Consumer complaint received 2018-01-05
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. (TX)

XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years  after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
Consumer complaint received 2024-11-03
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Estimated Month of Deletion on XXXX Account Dear TransUnion LLC, I hope this message finds you well. I am writing to formally dispute the inaccuracy of the estimated month of deletion listed on my credit report, as provided by TransUnion. The reference number for my credit report is XXXX. 

Upon reviewing my credit report dated XX/XX/XXXX, I noticed that one of the accounts, listed as XXXX XXXX XXXX XXXX has an estimated month of deletion that does not align with my records. The account number in question is # XXXX. According to my records, this account should be deleted from my credit report in XX/XX/XXXX, rather than the current estimated month of deletion of XXXX 

I have attached supporting documentation, which clearly indicates the timeline for this account 's deletion. 

I kindly request that TransUnion investigate this matter and update my credit report to accurately reflect the month of deletion for this account. An inaccuracy on my credit report can significantly affect my credit score and my ability to secure loans or credit in the future. 

Please acknowledge receipt of this letter and provide me with updates regarding the progress of my dispute. Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Tax debt was filed in my credit reports inXX/XX/XXXX and XX/XX/XXXX. The accounts have been paid and it has been over 7 years since the debt was filed.
Consumer complaint received 2018-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

A debt under Paramount Recovery Systems is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.