davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that XXXX has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that XXXX admitted I was affected by the data breach which has resulted in these fraudulent accounts.
Consumer complaint received 2019-03-30
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 (OH)

In XXXX we paid XXXX to wells Fargo dealer services. Wells Fargo sent us a letter saying the funds were returned. I knew they were fine because I have that account staying st XXXX at all times. That is account i used.. Anyway wells Fargo had me fax in my bank statements. Even after i proved it to wells Fargo they said they could not find the money. How can you lose XXXX??? Well 2 1/2 months later they found it applied to my intrest. It made me 90 days late on my credit report. Im in middle of buying a house. I already sold mine. I don't have any living family members and we have to go to a hotel. All because wells Fargo dealer services. All i want them to do is fix my credit report
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I received a letter in the mail today ( XX/XX/XXXX ) stating that all of my credit card accounts are going to be closed on XX/XX/XXXX. The letter is very vague stating my accounts are being closed because of my association with a Chase credit card, deposit or investment account that was previously closed. I have not closed any accounts. The letter provides a number to call for questions. I called the number and spoke to a supervisor XXXX, he was unable to determine why I would receive such a letter. He could see that no accounts were closed and all my accounts are in good standing. I have never missed a payment. I use my credit cards daily for normal purchases and typically pay them off at the end of the month. I feel this was a mistake or I was incorrectly targeted by an AI program. I would like to request that this issue be corrected and have my accounts remain open. 

I also called the XXXXXXXX XXXX  branch Chase location. I spoke to a representative there, but they were also unable to determine why I received a letter stating all of my credit cards were going to be closed.
Consumer complaint received 2016-08-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Critical Resolution Mediation LLC (GA)

Critical XXXX continuously calls me and make threats trying to collect a debt from 2014. They wo n't send me paperwork to verify that I had this loan. They wo n't verify who they are. All they do is call and threaten to take me to jail or file a case against me for check fraud. They have called saying I 'm a liar or cursing me out and hanging if up in my face. Also threatens to come to my place of business.
Consumer complaint received 2016-11-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (OK)

On XXXX XXXX I submitted a complaint regarding an incorrect late report on my credit bureau report for a XXXX 2016 payment from Hyundai Finance. They have fixed that issue but now I have the same issue for my XXXX 2016 payment on a vehicle I traded off in XXXX when I leased another car from Hyundai. Please help me get some closure and compensation for this hassle.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Columbia Recovery Group LLC (WA)

I thought that collection from my provide apartment. When we end lease that apt does n't return my deposit money so we thought they make up for apartments cleaning fee. Then was 2009. I really do n't know i have serious record on my report before I checked my credit report XXXX month ago for buy house. 
and then that account joint with my husband. But my husband same account is closed but my own is still open. 

Anyway, I never has a notice from collection agency before they report on my credit report.
Consumer complaint received 2019-05-07
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. (MO)

I have tried routinely over the last several years to contact Transunion about my credit report having not changed since last updated in XX/XX/2015. I discovered just this weekend when working on paperwork for a home refinance, that Transunion had me listed as " deceased. '' The scores of times I tried to discover why my Transunion score had not updated or changed, and no one there bothered to look at my file. You would think that someone would have seen it.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (VA)

XXXX believes I owe them {$220.00} dollars. However, XXXX can not prove that I in fact owe that money. Now, XXXX has hired XXXX debt collectors who have been calling me at work despite me specifically asking them not to call me at work. 

What happened was the following:1 ) I shipped books to an individual on XXXX in exchange for {$220.00} dollars. I have proof of that shipment via USPS. 

2 ) The individual claims to have received the books and then sent the books back to my home address. 

3 ) I never received the books allegedly shipped back to my address. The " purchaser '' of the books can not prove he actually sent them back to my address. 

4 ) Now, XXXX ( owned by XXXX ) wants me to pay {$220.00}, which I assume XXXX paid the original " recipient '' of the books. 

5 ) Recently, XXXX has engaged XXXX, XXXX-party debt collectors who have been calling me at work. 

6 ) I have told these debt collectors to stop calling me at work and call my cell phone, but they keep calling me at work which is unacceptable. 

7 ) I do not owe XXXX anything yet they will not leave me alone.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2015-10-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Receivable Management Services LLC (CA)

My husband received treatment for a XXXX on XX/XX/XXXX. The hospitalist, XXXX XXXX XXXX ( also known as XXXX XXXX ) then billed us for the services because they do not take XXXX insurance. 

We called XXXX and said since this was an emergency, they should cover the cost of the hospitalist treatment. XXXX agreed. They sent us a check ( # XXXX ) made out to me in the amount of {$210.00} and told us to sign the check over to XXXX. We did so. 

Here 's where things got interesting. XXXX XXXX, unbeknownst to us, made a mistake and separately sent another {$210.00} check to XXXX. This caused a double payment. Rather than following up with XXXX, XXXX XXXX sent us a letter ( XXXX Inquiry Number : XXXX ) saying we owed them the {$210.00} back. They also started sending collections letters from XXXX XXXX, XXXX. The problem is that we had already signed the original check over to XXXX. 

I tried to resolve this situation by calling XXXX and asking them to refund XXXX XXXX. I talked to XXXX in the billing department at XXXX ( phone number XXXX ). XXXX said that they had indeed received a double payment and would refund XXXX XXXX one of the checks. 

XXXX mailed XXXX XXXX XXXX XXXX the refund around XX/XX/XXXX. However, after 30 days, XXXX XXXX was still sending collections letters. I called XXXX XXXX and talked to XXXX XXXX ( sp? ) who said she would look into this for me. 

XXXX called XXXX and asked her to stop payment on the original check and mail a second check. XXXX did so. She sent out a second check to XXXX XXXX XXXX XXXX around XX/XX/XXXX. 

Again, XXXX XXXX apparently was not showing that they received this second check 30 days later. In addition, XXXX XXXX officially sent us to the " real '' collections company, Receivable Management Services Corporation. 

This is ridiculous because XXXX XXXX made the mistake of double-paying in the first place! XXXX sent XXXX sets of checks to XXXX XXXX XXXX XXXX and they still have not credited the {$210.00} to my account. 

I am asking XXXX XXXX to take me out of the middle. I do n't have their {$210.00}. They need to assign the debt to XXXX XXXX and clear my credit history.
Consumer complaint received 2015-04-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (VA)

My mortgage company Flagstar has illegally withdrawn close to {$10000.00} from my bank account in the last 4 months, has mismanaged by loan and lost sensitive paperwork pertaining to my account access, has refused to acknowledge legal, signed paperwork and refuses to fully refund me. Counting the legit mortgage payments and the illegal withdrawals Flagstar made from my bank account in the last XXXX months, I am now missing nearly {$18000.00} and have nothing left in my bank account. XXXX since I bought my house 2 years ago, I 've tried to add my wife as an authorized user on the mortgage account multiple times. This requires a notarized faxed form. We have filed it multiple times to Flagstar 's " research '' department with confirmation of receipt, and even called and received verbal authorization that my wife is a user on the account. Yet, sometimes we have a problem with our mortgage, my wife is still barred from accessing the account and the agent will tell her they have no record of her information. How can my wife 's personal information, like her SS number, only " sometimes '' be recorded on the account? There is clearly a major mismanagement of paperwork. XXXX, this XXXX, we filed a form to make a XXXX mortgage payment. We had clearly checked the box indicating it was a " principle '' only payment. Despite our signatures on the paper, XXXX decided that my wife and I " must have made a mistake '' and overrode our directions to file the XXXX payment as a regular mortgage payment. We received no notification this had happened and happened to notice it on a later statement. Getting this reversed took an hour long phone conversation. Our XXXX problem came when we elected to pay biweekly payments rather than a single monthly payment. The paperwork was filed and the biweekly payments began, and we received verbal confirmation that the full monthly payment debit from our bank account was cancelled. We were told that due to the XXXX up with the XXXX principle-only payment in XXXX, we 'd have to make a few " catch-up '' full payments, so we were expecting a few extra deductions. After XXXX months and suddenly realizing there was no money in any of our bank accounts, we pulled our bank records and realized that Flagstar has taken as many as XXXX MORTGAGE PAYMENTS some months, XXXX biweekly and full monthly payments, resulting in the unauthorized removal of thousands of dollars from our bank account. In XXXX months, a total of $ XXXX has been removed. We called and Flagstar immediately told my wife again she was not authorized to access the account and they had no record of her. Flagstar now is refusing to process me a full refund of the nearly {$10000.00} citing " regulatory reasons '' - despite the fact I now have no money in my bank account. Counting the legit mortgage payments and the illegal withdrawals, I am now missing {$18000.00} in XXXX months. This is utterly outrageous and a clear sign of a bank that needs a lot more regulatory oversight than it currently has.
Consumer complaint received 2019-05-07
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: Experian Information Solutions Inc. (NC)

I entered into an agreement with XXXX XXXX XXXX for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through XXXX XXXX XXXX for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a XXXX XXXX XXXX credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave XXXX XXXX XXXX permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.
Consumer complaint received 2017-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Debt Mediation, Inc. (TX)

I was a victim of identity theft and noticed a collection from PROFESSIONAL DEBT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PROFESSIONAL DEBT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-11-20
Product: Credit reporting 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. (NY)

I have looked over my credit report and noticed these unauthorized accounts and inquiries that is hurting my ability to get credit : XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> This is not my account. I have no knowledge of this account. 15 USC 1681b
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Consumer complaint received 2023-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (VT)

At the end of XXXX 4 collection accounts were placed on my credit record XXXX and XXXX but not XXXX these 4 accounts I desputed with both agencies as I never received any correspondence from the collection company listed on my credit report I said that it was not myself I never presented a government issued identity or social security card at time these accounts were supposed to have been opened by myself. I received nothing from the burrows as a reason to me being responsible for the debts they just said that they are my accounts and I was given no proof by anyone to show I opened them they are for {$1500.00}, {>= $1,000,000}, {$370.00}. They never even told me to whom these accounts belong to ( original creditor ) the collection company is " Vance And Huffman LLC '' I had perfect credit before this they say on my credit report that they will be on there until paid or XX/XX/XXXX I can get a police report or whater is needed but I would like to see proof I opened these accounts with proper identity like my other ligit credit card accounts or revolving credit accounts required.