davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I just received my results from Transunion CRA and my results against XXXX XXXX   XXXX are still being reported on my credit report Transunion started investigation on XX/XX/XXXX today is XX/XX/XXXX the results are still the same I dont know what kind investigation they did but its a poor one I started back in XX/XX/XXXX disputing this company XXXX XXXX XXXX I wrote letters to them I wrote letters disputing with Transunion according to section 609 of the FCR a if there is not a original signed contract you have to delete the information from the credit report this company does not have any information on me with an original signed contract nothing with my signature on it I am putting in another complaint against Transunion and XXXX XXXX XXXX with CFPB. I informed Transunion that they had my sisters name on my credit report, I will continue to put complaints in until this matter is resolved. I have documentation on an account that XXXX XXXX is reporting that is deleted Ive shown them this information as well as all three CRA. Im fighting for every consumer that has issues with XXXX XXXX XXXX ... Im not done! This complaint is against TRANSUNION
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I have a problem I need help with please.

RE : netSpend ( AKA XXXX XXXX AKA XXXX XXXX XXXX AKA XXXX ) I deposited {$40.00} to my pre paid card and emailed them the requested documentation ( Drivers License & Social Security Card ) and they refuse to make the funds available for my use. 

I do not have a lot of money your help would be much appreciated. 

Can you please ask them to stop being a XXXX? 

Thanks! 
XXXX XXXX XXXXXXXXXXXX FROM XXXX : Question : Is NetSpend a legitimate company? 

The answer is no, NetSpend is a legitimate prepaid debit card company. ... As a company, NetSpend was founded in XXXX and now serve over 10 million customers. If you 're on the fence about trusting one of these prepaid debit cards, that should help build confidence. That being said, NetSpend is not cheap.XX/XX/XXXX
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

A navient representative contacted me maybe 3 years ago stating that I qualified for forgiveness I submitted my XXXX information and my financial documentation for the year I received a letter in the mail stating that my student loan was paid off in full and then shortly after I notice my credit score kept depreciating after running a credit check on myself I found out that my XXXX was moved to navient and was being sent to an incorrect address so I paid {$450.00} to have this forgiveness and all it did was backdoor me and put me in a bed off situation with my creditors when they gave me forgiveness the first time they did n't need a medical excuse they just needed proof that I was receiving XXXX from the Social Security Administration after I realized that I did n't receive forgiveness in my loans were consolidated instead they now ask for a doctor 's note stating that I will be XXXX for the rest of my life because I am only XXXX even though I 'm not working in my field my doctor has hopes and wishes that I develop back into the workforce as a full graduate of XXXX XXXX XXXX I believe I do qualify for loan forgiveness due to the lawsuit that was held against XXXX XXXX XXXX I am reaching out for some assistance and help with relieving my debt
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX falsely reported to the 3 Major credit bureaus ( Equifax, XXXX XXXX XXXX ) that I was late in paying them and that I did not pay my last bill. XXXX XXXX took money out of my account that was not correct and promised to issue me a refund and provided a refund reference # XXXX and did not adhere to there promise. XXXX corporate office has made unethical aggressive attempts to ruin my credit profile by submitting false information such as me being late on payments and not paying. My XXXX XXXX account was cancelled back in XXXX of XXXX. XXXX XXXX was paid the amount {$680.00} they alleged on XXXX  through auto payment. My account with XXXX was Voluntarily closed in XXXX of XXXX. XXXX mission to intentionally ruin my name because I cancelled service with them. Despite efforts for them to pull calls and provide proof they have relied on their system errors and has proceeded to report false information to all 3 major credit bureaus. They have also sent my personal information without my permission to a Third Party Collections Agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. This is concerning because this company operates in XXXX but uses a US address as a cover up. XXXX XXXX refuses to provide me employee # s or full names for my record. They will only provide me first name and reroutes my calls to collection agency. I have reported there unethical practices to FCC and FTC and have made numerous attempts to prove to them they are wrong with the information they have. I have sent dispute letters to the 3 major credit bureaus.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Managed Recovery Systems, Inc. (SC)

Managed Recovery Systems keeps contacting about a debt they have yet to validate. XXXX XXXX requested debt validation by mail inXX/XX/2017.  Managed Recovery never replied. Now they are sending threatening letters in the mail for {$140.00}. They can not threaten to destroy my credit or sue for debt that has not been validated. I dont even know where this is coming from.
Consumer complaint received 2018-06-17
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. (FL)

EQUIFAX/I do not remember given authorized to these company to obtain a copy of my credit report. This inquiry need to be removed immediately : I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry./ 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 2018-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (OH)

This company holds a collection that I need deleted from my credit to obtain a mortgage. I was never notified that I owed the debt. I called to settle the account and have it deleted from my credit report and they are refusing to delete. They keep saying " it 's unethical '' and " you should have paid your bills. '' I have called numerous times and they just laugh in my face. All I want is to pay this old medical bill and move on with my life. I can see by previous reviews to the BBB that they delete but they are refusing for me. Why should I have to have this weighing down my credit score if I 'm willing to pay. I did n't even know I had the debt until I tried to get my mortgage and they told me to call and pay it and have it deleted.
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I sent Wells Fargo Dealer Services a dispute letter regarding a incorrect delinquent/late payment. WFDS failed to look into this matter, and did not attempt to correct their incorrect delinquent/late payment information. I reached out to the Wells Fargo Credit Bureau Dispute Resolution Department ( CBDRU ) in regards to this matter, but they failed to make the correction. I expected results and immediately corrections, but they have failed to correct their mistake.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX 2017, we noted fraudulent charges on my Bank of America business account, via our debit card. Since we were away on vacation, we were not able to immediately report the charges but did so within 30 days. The charges we done on XX/XX/2017 and XX/XX/2017. These charges were made at XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. The charges were of {$600.00}, {$560.00}, {$1000.00}, {$600.00}, {$250.00}, {$350.00}, {$7.00}, {$46.00}, {$700.00}, {$800.00}, and {$1700.00}. We contacted Bank of America about the fraud and we were told they opened a case. However, it took us calling 3 different calls for them to finally open a case. They denied the claim for various reasons. Finally, we were asked to prove that we were not in the XXXX, TX area when the charges were made and thus were fraudulent. We sent Bank of America all proof showing that we could not physically have made these purchases by showing the hotel room itineraries, flights, and more. Bank of America did not do their due diligence to get down to who committed the charges and just told me the case was closed and they will not do anything else. None of the stores were contacted or asked for proof.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

For Months on end banking with Navy Federal, I would get over drafted and id get an over draft fee a day after i made a purchase then when the purchase posted a couple days later on id get another fee just for it posting when it was on negative. I tried speaking to a few people at navy about it and they had said it was because i had been on negative and that the information was correct when it wasnt.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I 've had no knowledge of this negative item as it appeared on my credit report, and from researching the company online, I do n't know from which source it came from. 
The name of the negative item is PORTFOLIO RECOVERY ASSOCIATES and it was opened on my account XXXX/XXXX/2017. 
It 's not mine, please help in removing it from my credit report.
Consumer complaint received 2018-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

Year ago.. XX/XX/2017. I went to go buy home saw someone opened XXXX XXXX card in my name. I paid the card down..my balance was around $ XXXX- XXXX.. now my card is maxed out according to XXXX XXXX and I do not have card in my procession.
Consumer complaint received 2018-01-23
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. (LA)

OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4.  XXXXXXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
Consumer complaint received 2018-01-23
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)

OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE XXXX. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I applied for an apartment yesterday and was declined, because XXXX XXXX had incorrect information about my rental history. ( They received this inaccurate information from XXXX. ) The information stated that I had an outstanding balance with XXXX with whom I had a lease in XXXX. I called XXXX today ( XX/XX/XXXX ) and confirmed that there was no outstanding balance.
Consumer complaint received 2018-01-23
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)

OKAY SO I 'M A LITTLE CONFUSED RIGHT NOW. THE FIRST REQUEST I SUBMITTED YOU SEND ME A LETTER BACK STATING THAT IT WAS A FRAUD DISPUTE AND THAT YOU WERE N'T INVESTIGATING. I SENT ANOTHER LETTER THAT APPARENTLY GOT OVERLOOKED. I FILED A COMPLAINT WITH CFPB ABOUT NOT GETTING THESE INACCURACIES INVESTIGATED AND YOU SEND ME A LETTER BACK STATING THAT YOU WILL NOT INVESTIGATE THESE ITEMS AGAIN. WHEN DID YOU INVESTIGATE? WHO DID YOU SPEAK WITH? CAN I HAVE THE DATE AND TIME THAT THESE ITEMS WERE VERIFIED TO YOUR COMPANY? I NEED THIS INFORMATION FOR MY NEXT STEP. APPARENTLY YOU HAVE NO REGARDS FOR THE FEDERAL LAW SINCE YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND DISPLAY THIS INACCURATE INFORMATION!!!!!!!! PLEASE SEND ME THE METHOD OF VERIFICATITON, DATES AND INFORMATION THAT YOU HAVE TO BACK UP YOUR CLAIMS FOR THE FOLLOWING ACCOUNTS 1 XXXX XXXX XXXX # XXXX IS ILLEGALLY COLLECTING DEBTS IN THE STATE OF LOUISIANA BECAUSE THEIR LICENSE IS INACTIVE. 2. XXXX XXXX I HAVE NEVER DONE BUSINESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY. 3. XXXX XXXX XXXX I HAVE NEVER BEEN LATE 4. XXXX XXXX XXXX # XXXX I PAY ALL MY BILLS ON TIME. THIS INFORMATION IS INCORRECT. 15 DAYS IS MORE THAN ENOUGH TIME TO FURNISH ME WITH ALL SUPPORTING DOCUMENTS THAT I REQUESTED **TRACKING**
Consumer complaint received 2018-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I received notification that between XX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
Consumer complaint received 2018-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

This company Southwest Collections SOUTHWEST COLLECTION XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$180.00} {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Has reported so many claims to the bureaus I owe them anywhere from {$7.00} to {$300.00} and I have had them all removed due to accuracy as they are not mine! I have PPO private insurance and I have never been to their urgent care, but I also never had a co pay or any EOB from my insurance showing I went to this Urgent Care. They keep adding new claims to my credit report every time I get one removed and they are always for a different amount. 
I consider this harassment and they are out right lying. I know I have not ever been there and this new claim is the 5th one in 18 months they have tried to collect form me. Never once did I receive anything in writing or by phone about the debt. The first I ever heard of any of them was when they showed up on my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor ) XX/XX/XXXX {$180.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I first applied for this credit they offered a promise to charge no interest for the first year. As soon as I received my first months billing statement they denied me their promise of XXXX interest for the first year, and so on in every months statement from then on. 
In XXXX I made a full payment on the balance of about {$10000.00}, and after I finished paying the full balance i was sent on the following months bill a balance of {$100.00}, without me having made any purchases. I ended up paying that, and continued to use the card. 
On or anoutXX/XX/XXXX, i made a payment for the full balance of about {$5000.00}. The next months statement I was sent a balance of about {$500.00} in my statement without me having made any purchases. So, I closed the card, and so far refuse to pay this interest on a XXXX  balance. Capital One went on to try to access an old bank account i used to use and has been closed and attempted to collect that balance themselves. The charge did not go through, and now they are trying to tag on an extra charge based on that failed attempt to collect that I had no involvement in.
Consumer complaint received 2018-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I was affected by the Hurricane in Florida in XX/XX/XXXX. I was placed in a forbearance by Penny Mac. I was told I was approved for a " streamline modification ''. I was given the payment and terms verbally by XXXX XXXX on multiple occasions, most recently on XX/XX/XXXX. I never received the paperwork and called back only to find out she gave misinformation. I am now being told I do n't qualify for a modification at all. I was told not to pay anything by XXXX and resume payments in XXXX, that was wrong information. I have spoken with multiple people to include XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX on and on. I continue to get conflicting information regarding my loan and at times no communication at all. These forbearances were mandated by the Federal Government and now I 'm being told I may have to Short Sale my house ... What is going on? This is my livelihood and it is being handled with incompetence.
Consumer complaint received 2018-01-22
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX  has indicated that I owe {$24000.00} since XXXX2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections