davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: FISERV INC. (CA)

XXXX paid me through a pre-paid debit card by XXXX. Upon activating, i could not activate my card and had to contact XXXX. Upon talking with a rep i was informed that my card was compromised and that there was a charge on the account and the account information and number is incorrect. 

They have said they will cut me a check and will file a dispute but this is the worst and unsecure method used by the XXXX.
Consumer complaint received 2018-05-20
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. (MI)

I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I currently have a payment agreement with district courts in Michigan of {$40.00} a month with XXXX XXXX. They are reporting incorrectly that I have missed a payment and my balance has increase {$75.00} dollars and has listed this account as a collection account in the remarks when it is PAID AS AGREED. They have been paid each month as our agreement yet continues reporting inaccurately.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Common Wealth Financial attempting to collect a debt not owed. Original creditor was provided with the necessary information to obtain payment and failed to do so. Common Wealth Financial was also provided the same information and refuses to correctly bill and or remove the item in question from my credit report. The amount of {$1000.00} should not be on my credit and or owed and was recently updated as supposedly accurate on XX/XX/2018 after a dispute that was filed where the information was again provided.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My credit card company failed to notify me that a payment is due for this past month, with the the payment due on XX/XX/2017. The company typically sends an email message to me, rather than mailing a statement, to inform me that a statement is available to view. To clarify whether I have attempted to resolve this issue with the company, I have had this issue with this company in the past, several years ago, and informed it at that time on more than one occasion that it did not send a statement to me. However, I did not inform the company this time because clearly any problems I have had in the past did not get resolved and the company is failing to ensure that this does not occur again.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the XXXX XXXX tradeline on my credit files with TransUnion, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. TransUnion is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. XXXX reports this account as " closed '' but like TransUnion, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, TransUnion, XXXX. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, partial acct. XXXX is appearing on XXXX  and EXPERIAN credit bureaus as an unpaid charge off.XXXX has previously deleted. 
The problem stems from the fact that the car is a lemon.XXXX and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX XXXX but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for. 
BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
Consumer complaint received 2018-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

It happened on XX/XX/2018. I have an account with Paypal. I use it to buy things online. {$400.00} was sent by mistake on one of my friendss cellphone number who happens to not have a PayPal account. I called them immediately and they told me they were going to investigate. Well I then received an email from them saying that they wont be able to give me a refund because the transaction was not unauthorized. They gave me an email and the name of the company that has received the money. XXXX XXXX XXXX. I contacted them. They said the account that they had with PayPal is closed. I dont know what to do.
Consumer complaint received 2018-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (PA)

I purchased and vehicle on XX/XX/16 for XXXX @ interest rate of XXXX - my monthly payments are XXXX Recently went on my account to determine my pay-off balance as well as the contractual terms.In doing so, I could not find my PRINCIPAL balance. I ask the loan personnel for a copy of my PRINCIPAL ONLY balance but was not given it.
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 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
Consumer complaint received 2018-05-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIBC BANCORP USA INC. (WI)

OnXX/XX/XXXX My XXXX  counselor submitted my file to CBIC bank his name XXXX, I am a current client of XXXX XXXX XXXX. XXXX XXXX my name immediately called XXXX XXXX my XXXX counselor and informed her of two judgements. I paid those judgements with monies I saved to put down on my closing. XXXX  informed me that once I paid the judgements that he would offer me a bank product. After waiting 2 weeks for a return call. i called XXXX   supervisor he returned my call once and left me two vm, I never received a call my ile is still their. I had my XXXX counselor send my file to XXXX XXXX XXXX they had me an approval within 72hrs.
Consumer complaint received 2019-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I have been on income based payments for the last 2 years. However, the income based payments have to be renewed yearly, but I never receive a notification warning me that my payment plan is changing and I am enrolled in automatic payments. There is no email or correspondence guiding me to renew my income based plan. So 2 years in a row I have found that Navient goes from taking my income based payment, which is around {$35.00}, to my original payment, which last year was roughly {$300.00}, to this year 's, which was {$510.00}. Not only am I struggling financially to pay that amount, as I didn't even have the funds in my bank account, but I have a 5 month old child to take care of now. Last year I played telephone tag with Navient in hopes that they would reverse the payment, and never successfully got in touch with someone, so I gave up. I just attempted to contact them this morning regarding the {$510.00} and got disconnected both times without the option of leaving a voicemail message.
Consumer complaint received 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC (MO)

Pelican financed my loan, I paid it off and they removed it from my credit report.

Westlake financial added a loan on my report and I never filed documents.

I cant get me title from pelican now
Consumer complaint received 2017-11-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

This is a second complaint to follow up on the Trial Plan Agreement offer dated XXXX/XXXX/XXXX. The first CFBP complaint requested an affordable loan modification and forgiveness of the escrow shortage. The payment offered is higher than all previous payments due the escrow shortage that we feel is a mistake made by Flagstar. This mistake was made when we were approved for XXXX XXXX XXXX program on XXXX/XXXX/XXXX in which the program paid {$23000.00} to Flagstar to get us current. We were told and the approval documents stated that this would get us completely current and stop the foreclosure and cancel the sheriff sale. We continued to make our monthly payments assuming everything was back to normal when we received notice from Flagstar in XXXX XXXX that we were behind in escrow {$10000.00} and our payment would more than double to {$1800.00} per month. 
We have attached a Third Party Authorization for our HUD Housing Counselor.
Consumer complaint received 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, XXXX. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, XXXX. If there is shown a way to contact this agency, it is not readily or easily found.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

USAA reported my personal information without my consent, I have told them several times in the past that they were not allowed to share my home address due to the nature of my employment. I recently applied for a mortgage and I told the Loan Officer that she was not allowed to share my personal information or report my home address to the credit bureaus. I just find out that USAA reported my information when I explicitly told that that they were not allowed to share that information.
Consumer complaint received 2018-03-07
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. (CA)

I asked Experian to verify an account and to investigate it as it was inaccurate. 

They told me that they are allowed " not to reinvestigate '' which is an illegal statement and lie. 

In accordance with the 15 USC Section 1681 - they are obliged to reinvestigate and fix the errors on my report by removing the account. 

XXXX VS XXXX  1997 - clearly highlights that the burden of proof is with the Credit Reporting Agencies. There is precedence and the bureaus have to respect the law. 

I have attached a letter that I want you to see addressing them. 

You will notice the multiple errors on my credit report and their failure to fix the issue. 

Please have a look.
Consumer complaint received 2018-05-19
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. (NJ)

i tried to fix this with the bank and now for the second time they keep reporting wrong information to Transunion credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit in XX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of  doing dirty management like this. please help.
Consumer complaint received 2018-03-07
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. (OH)

I reviewed my credit reports and I show that there are inconsistencies with the way that a discharged chapter XXXX bankruptcy is showing on my 3 reports. I know that they did not get this information from the courts, so I am not sure why it is showing on my reports. I would like to have this information removed from my credit reports as soon as possible. One of my reports-XXXX indicates that I filed a chapter XXXX bankruptcy XX/XX/1830? The other two ( Transunion & XXXX ) have dates that I would like investigated or removed. I'm just very confused, as I know that my state courthouse wouldn't even provide this information to credit reporting agencies anyway. I really appreciate all of your help on this! Thanks, XXXX XXXX
Consumer complaint received 2018-03-07
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. (OH)

I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Dear Sir/Madam the reason for this compliant is because i have been a victim of Identity Theft and i have inform the original creditor as well as the collection agency about these accounts i have send them Police report FTC Identity Theft Affidavit proof of my address and identity and they have refuse to cooperate with me and they continue to report these account on my credit file. I have asked for proof that these accounts belong to me, but they keep sending nothing more then bill. I also contacted the CRA and they keep saying that these accounts where verified but when i request any proof they can't produce anything that show that they belong to me. I have done everything i could possibly do to protect my good name and have been unsuccessful. Please help. 
XX/XX/2018 Letter send by the original Creditor XXXX and XXXX Thanks
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX : 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 XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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 2018-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO (NJ)

i tried to fix this with the bank and now for the second time they keep reporting wrong information to XXXX credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit inXX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of doing dirty management like this. please help.
Consumer complaint received 2017-11-03
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. (NJ)

I had XXXX XXXX at my previous address in XXXX, nj. I had never been late or missed a payment. After a little over a year of having the service, we decided to put our home on the market and relocate to another city within the state of nj. I contacted XXXX to explain that I needed to cancel my service because we were moving. The customer service rep suggested I just freeze my account and unfreeze when we move into the new home. I paid my final bill and agreed to freeze the account. Unfortunately, we purchase a preforeclosure home and it took us nearly 10 months to close on the house. Once we actually closed on the house, I contacted XXXX to reactivate the service, but was informed that XXXX XXXX was not available in the part of town that we just brought a home. I was then instructed to return the equipment to a local XXXX XXXX store. I took all boxes and remotes to the XXXX XXXX store in which I was familiar located on route XXXX in XXXX, nj in XXXX XXXX. XXXX states they have no record of this and sent me a bill for {$1500.00} for equipment. I informed them, that I paid every service bill due on time. Every conversation is noted. I have no collection or lates anywhere else. Why would I not return equipment, i no longer can use? Why would i pay {$1500.00} for equipment I no longer use. I have since contacted Experian but to no avail. They seem to side with businesses. In fact, all other credit bureaus have confirmed and deleted this file except for Experian.
Consumer complaint received 2018-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

Greetings, I send several letters with regards to getting information regarding the status my accounts. 
Navient did not response to any of my documents send to them certified mail with return receipt received by Navient on XX/XX/2018. I forwarded all my information to the 3 credit bureaus as well. 

In addition to my letter, Navient reported inaccurate information on my credit report soon after I ask for current status regarding the account ( s ) open in question.

Never received a bill, late payment notice of 30 or 60 days etc ... Just 1 letter was send by Navient after I send my request for validation of accounts did they threaten to report delinquency on my credit report. 
Please see all documents uploaded on this complaint.