davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
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. (GA)

I am writing in reference to a tax lien that is reporting on my Transunion credit report as XXXX XXXX. This lien has been satisfied and released since XXXX and I have filed numerous investigations in efforts to having this public record removed ; however, Transunion is not cooperating even after a new law stating that they must be removed from the report as of XXXX XXXX, XXXX.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Well this started XX/XX/XXXX I made a payment to my account & the account was froze at this time, I trashed it to them on the XX/XX/XXXX to find out why my account was froze they said it was bc my payment was more than my limit, my limit was {$200.00} but the amount due was {$200.00} so that 's what paid. The payment was kicked out that afternoon ( the XX/XX/XXXX) so I attempted to make another payment the XX/XX/XXXX for the {$200.00} & my account was then restricted. I called them & did the online chat & they just have me the runaround over the payment being more than my limit. I kept saying that 's the amount due, I ca n't help the amount due is more than the limit. A week later I got a letter stated my account was closed. I reached out to then again on the XX/XX/XXXX I believe & demanded answers & they said because I had two payments " returned '' they closed my account & deactivated my account. How the XXXX is it my fault my payment was kicked back over {$8.00}????? I demand my account bed reinstated. This is XXXX & they know it.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I received a debt collection notice from Convergent Outsourcing , Inc. on behalf of XXXX XXXX XXXX from a credit card company called XXXX XXXX stating I owed {$1100.00}. I contacted XXXX XXXX and also contacted Convergent and asked that they provide proof that I owed this debt and neither company could provide me with any type of documentation. I do not owe the supposed debt and I do not want this to go on my credit report. I am very upset that companies are trying to take advantage of people during a crisis.
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2017-10-03
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. (CA)

I am writing this complaint to all 3 credit reporting bureaus for their absolutely poor investigation into my issue with XXXX 

I wrote a complaint to XXXX and forwarded it to all 3 bureaus in the same complaint and even though XXXX informed me that the 30 day late is going to be REMOVED from my credit profile and even sent me a letter from the president regarding it, all three bureaus claimed that the information was correct and refused to update the derogatory reporting and as a result kept my score low. This was made worse by them reporting in the remarks that the information was FCRA compliant and verified by the company. HOW IS THIS POSSIBLE? THEY REMOVED THE LATE!!!!!!!! 

I HAVE attached the letter that XXXX sent me regarding my complaint. They agreed that the late would be removed and said they would inform your agencies right away. what happened? WHO and HOW was this LIE verified? 

I want the government to see what type of liars these agencies are and how they continue to refuse to do the right THING just so they do n't look wrong. INCORRECT INFORMATION IS INCORRECT INFORMATION! Why fight consumers when there is nothing to argue about? See that you are all fraudulent liars and DO NOT CONDUCT ANY SORT OF investigation! Do you see? 

THIS IS COMPLAINT 1 of many more to come. Because I have been disputing illegal XXXX  XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX accounts on my profile for years and they have always denied to remove it and I felt awful. 
But after this XXXX incident I know for a FACT that Transunion/XXXX and XXXX are a bunch of liars and DO NOT conduct legal or appropriate investigation. I will be filing many more complaints to clear my credit of misinformation!
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DC)

The initial bill was for a legitimate medical fee. XXXX and XXXX XXXX could not agree on which insurer was responsible. Time elapsed. Finally paid the bill but check was returned to my bank. Subsequently have received multiple letters from a collection agency even though I paid the bill on XXXX XXXX, 2017.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NY)

My name is XXXX and I am a user of PayPal with email address XXXX 25 days ago, PayPal decided to lock my account and limited some features and asked me to provide some documentations in order to regain access.

However I provided the documents PayPal said 1 business day should be okay for me to start using PayPal again, but unfortunately, PayPal has not fulfilled it's promise.

Because of that, I decided to use this complaint channel and ask PayPal to put things right.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

SinceXX/XX/XXXXhave been reporting ID THEFT ALTERED PERSONAL DATA STEM INTO MY SONS IDENTITY XX/XX/XXXX, XXXX INVESTMENT mass mutual variable ASSOCIATES XXXX TEXAS TAKEN 50/50 SPLIT.
FORGED XX/XX/XXXXFROM XXXX XXXX XXXX XXXX FRAUD BY SALE AND TRADE. XX/XX/XXXX XXXX XXXX XXXX XXXX BY TEXT CYBER RAPE. FCC RELEASED MY TV TO XXXX XXXX. 86 AM 16. 86. My reports and complaint began XX/XX/XXXX. My statute ended XX/XX/XXXX .XXXX  constantly changing altering my info. Hard inquiries constant with out my permission. Have 4or more person using my SSN Exact matches. XXXX XXXX XXXX Aka XXXX XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX fraud add XXXX XXXX XXXX XXXX Texas.
XX/XX/XXXX XXXX two. Imy registered business XXXX XXXX XXXX XXXX CA. Sector insurance. XXXX XXXX XXXX XXXX XXXX AMUSEMENT.
IN MY CASE STUDY CRINES AGAIBST ME DISCOVERED ABUNDANCE ALTERED FORGED DEEDS CO.-CC RECORDING XXXX, XXXX, XXXX, XXXX  XXXX CAD! /TCAD POI : Brokers. XXXX XXXX XXXX AKA. AJ. XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX.AND XXXX ( XXXX ) Poi : XXXX XXXX. Or XXXX XXXX XXXX. Co worker goodwill Ind. XXXX Discover a fake financial with my SSN personal info. To this day Credit agencies says 1free a year XXXX not access online Deception with XXXX XXXX XXXX.
Paid purchase XXXX  one week later started double billing. Key holder To my stock apparently extremely equity extreme of violation occurs.
On XX/XX/XXXX - XX/XX/XXXX submission reports all federal state city corruption o
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have 3 student loan accounts with XXXX XXXX XXXX, 2 student loans that were apparently transferred to XXXX XXXX XXXX XXXX an 1 transferred to XXXX XXXX. That are all paid and closed. But they are showing late payments on the accounts after they were paid and closed on XXXX 2015. Also the time that the loans were showing late they were in Forbearance with the companies. Ive made several attempts to correct this issue when the accounts were open and even when they closed. The late payments and collections status are really affecting my credit reports on all my reports. I am left with no choice but to contact you for assistance with this matter.
Consumer complaint received 2017-08-21
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. (TN)

I file a dispute in XXXX XXXX about XXXX Bankruptcies listed on my Equifax credit report. I received my results that they came back as verified. I am trying to figure out, how they were verified when they do not belong to me.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, Simple closed my account with them without giving a reason. Since then I have had many many contacts with them in an attempt to get them to refund the almost {$300.00} remaining. They first stonewalled, then " sent a check '', which was undelivered ( and refuse to tell me the address they sent it to ) and returned to them, then they again went silent for 12 days before telling me that they are stopping payment on the check ( which THEY HAVE ) and reissuing a new one. Again, this has been ongoing for 90 days now. I previously filed a complaint, and they responded that I may have been the victim of fraud. When I contacted them about this, they did n't know anything, and again refused to talk to me.
Consumer complaint received 2017-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Hello, A couple of months ago, I received a letter from the state seeking past due property taxes be paid. This would be taxes that I signed to have paid through escrow. When Loancare purchased my loan, they were not including that amount in my monthly mortgage statement. I have thrown away the dates and operator numbers when I was under the impression that this issue was corrected in XXXX 2017. I called 4 times. I have sent documentation from my closing agreement that my property taxes would be paid through escrow and each time I called, i was promised that I would receive a call back from a manager with a resolve. No manager ever called me. On the XX/XX/XXXX call, I  demanded to speak with a manager immediately and only then a manager moved the amount that had been paid toward additional principal payment was reversed and applied toward my taxes and was told that moving forward the issue would be corrected. The XX/XX/XXXX statement showed that the reverses were made and monies were applied to the taxes. I have just received my XX/XX/XXXXmortgage statement and it is still not corrected. I 'm not certain why I have to beg a company to do something that was supposed to be done when they first purchased my loan. Please help. Thank you
Consumer complaint received 2017-10-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than XXXX  days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The accounts in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

On XXXX XXXX, XXXX my Chase Freedom credit limit was {$4500.00}. Early in the morning on this day several purchases were made on my card which totaled over {$15000.00}. None of the charges over the {$4500.00} credit limit were declined and I was not alerted to these overages in any way. On XXXX XXXX, XXXX I spoke with a chase card customer service representative ( the gap in time here was due to a fraud investigation which I had thought would clear these charges ). When I asked the representative how my card was able to exceed the credit limit more than 3 times over, their answer was " I do n't know. '' After pressing further, I was told that one possible reason for this was that because these were multiple transactions made in quick succession the Chase system was not able to update fast enough and recognize that the card was over it 's credit limit. There were 7 charges made on the card over a period of two hours, each between fifteen and thirty minutes apart. If Chase 's system really takes more than two hours to update, this could leave many more consumers extremely vulnerable to large credit overages. The Chase representative also stated that some of their cards are able to go over their stated credit limit- some by a few dollars, some by a few thousand dollars- without clearly telling consumers about their cards potential to go over. I was also told that " some customers '' are allowed overages but was not told how or why these customers were chosen - I was told that no one knows and that it is all completely up to " the system ''. The highest number that I was told by the representative that a particular card and chosen customer could overspend was {$7000.00}. While this is still in my opinion an extreme amount to be allowed over a credit limit, it is still far less than the additional {$10000.00} that my card was allowed to be charged. This appears to be a very big problem with Chase 's system that could only benefit Chase in the end ( causing consumers to fall behind on payments or rack up interest ). I would like to believe that this is a glitch or problem with the system that can quickly be fixed but was not left with this impression after my phone call with Chase. After going back and forth with the Chase representative about possible solutions she was able to speak with a manager and eventually put a permanent limit on my credit card that will not allow overages of any kind ( at least this is what I was told ). While this sounds like it should be a good solution, with the system as it is I am not confident that this hold on spending will work if a similar situation were to occur ( several charges over a few hours time ).
Consumer complaint received 2023-11-20
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: EQUIFAX, INC. (IL)

The following accounts are being reported n my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : 1. XXXX - ( 2 ) accounts listed have inaccurate payment history reporting and balance 2. XXXX XXXX XXXX - inaccurate account balance and payment history 3. XXXX - balance inaccurate 4. XXXX XXXX- ( Acct # XXXX ) closed p/charge-off account reporting payment history
Consumer complaint received 2024-10-19
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. (TX)

RE Account Numbers- XXXX XXXX  XXXX XXXX, T

his letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2023-11-19
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. (IN)

My student loans reappeared on my report years after being removed after the 7 year period after my last payment. I did not receive anything about this and I also gave no consent for my report to be changed nor did I recently consolidate the loan. This has dropped my credit after I worked all these years to build it back up after the initial 7 year period after the student loans went into default. Now theyre trying to impose another 7 years reporting these same loans on my credit report, unknowing to me. Also the last 4 of my social security number is wrong on reports as XXXX when its actually XXXX and this information has come back verified and valid after I filed disputes with the credit bureaus
Consumer complaint received 2024-10-19
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. (NY)

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (PA)

I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by me.
Consumer complaint received 2017-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Professional Recovery Management (TN)

I had a medical visit to the ER on XX/XX/XXXX-X/X/13, which the amount of {$300.00} posted to my credit report, not owing the amount. My health insurance already paid this. I have letters from my insurance documenting my exemptions from this debt, to no prevail.
I 've been trying to resolve with the debt collection and ( hospital ) sinc
e 2013! Yet, still unresolved. Now damaged my credit.