davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the following accounts/Companies on my credit report : 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 XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, Transunion, XXXX  on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, Transunion, and XXXX  on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Re : Acct # XXXX will not and can not provide a validation of debt.
Consumer complaint received 2019-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (TX)

I transferred {$250.00} in XXXX to overseas using Western Union. Paid {$250.00} with my XXXX XXXX Credit Card. The transfer was treated as Cash Advance, so XXXX XXXX charged me additional XXXX , and more as interest. When I called XXXX XXXX, they explained that this was due to Western Union Transaction, and they said there was no way for me to pay this fee unless I pay off my balance. I called Western Union, and they said they would do their best in the future to notify their customers better on what this transaction would be treated as. When I searched online, I found that many other people were impacted negatively from this cash advance transaction, and they did not find out about it until they saw that they were charged for it.
Consumer complaint received 2019-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX balance of {$770.00}, is not reputable. I contacted the creditor and was told they would remove the account. Instead, they have continuously taken it off and re-add it to my report.
Consumer complaint received 2019-12-09
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. (NV)

I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Consumer complaint received 2019-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CT)

I was informed by TMS that I owe $ XXXXin which is not accurate. I spoke with several members of TMS all of which has not provided a reason for this amount being owed. 

This company has reported my account in delinquent on my credit file and a supervisory is not willing to accept my call in regards to this concern.
Consumer complaint received 2019-12-06
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: EQUIFAX, INC. (NV)

I just started montering my credit and I see that the credit bureaus are inaccurately reporting data about me. XXXX  has my name listed incorrectly 30times. I have tried disputing with XXXX has been refused the right to dispute how my name is reported with them. 

I am very disappointed that these credit bureaus are able to get away with inaccurately reporting data about a consumer. I have been denied credit time after time and I never understood why and now I see why There are several student loan showing up on my report that I NEVER opened. My credit file contains inaccurate addresses to which I have never resided at and this is unethical. 

I am asking that the CFPB steps in and makes sure the credit bureaus does whats right under law
Consumer complaint received 2019-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KS)

In XX/XX/2019, I applied for PSLF with my then loan servicer XXXX. They responded by transferring my 6 disbursed loans to FEDLOAN Servicing effective XX/XX/2019. I am on a IDR plan and had made 18 qualifying payments on the due date ( effective the XX/XX/2019 certification date ) When FedLoan received it from XXXX, they only credited several of the loan accounts with the 18 qualifying payments. Some of them showed XXXX. If the monies had been recorded correctly, they should all have the same amount of qualifying payments. 

I have reached out to them numerous times. The email request said I should just look online for the updated number ( there was none ), and the only verbal phone call response was it may take months to review the case.
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT WORLD SERVICES, INC. (OK)

Contacted Credit World Services to verify validity of a balance on College class balance not paid by student loans or financial aid.The representative there did no assist me in any way. She basically stated that this will remain on your credit no mattet what you do.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

This is the 2nd complaint that I've filed against this company for the same issue. 

I have promotional balances with expiration dates. # 1 They never apply the payments there. I have to call and ask them to manually move payments, which is not right because they will charge me the full interest on the original purchase amount if it's not paid off by the date. 

For the past two months I have called and asked for allocations of my payments. Each time I was told that my remaining balance for the promotion ending XX/XX/2019 would be {$110.00}. I paid {$110.00}. But, the promotional balance is still showing as {$50.00}. 

When I called today to speak to a supervisor about it, I spoke with XXXX. She advised that twice the customer service agents gave me the wrong amount, but there was nothing they could do about it. 

Care Credit is for medical/dental/veterinarian services and I feel like this company tries real hard to charge people as much interest as possible. It is truly a labor on the part of the consumer to make sure that Care Credit doesn't rip them off.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (NC)

I tried to deposit a XXXX dollar check from XXXX with my mobile app. I did this twice and was told each time that I exceeded my deposit limit for the day. I finally drove to the bank and I deposited the check into the atm machine. After my deposit my account was positive XXXX dollars. At XXXX XXXX I checked my balance again to find the screen shot below. When I called the bank 3 times no one there could tell me what was happening??? This is thievery as far as Im concerned! I want this bank to credit my XXXX dollars immediately and I do not want to sustain any fees? This is an outrage and it should be illegal!
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America -- My husband and I are XXXX XXXX XXXX, currently stationed at the XXXX XXXX in XXXX. On Friday and Saturday ( XX/XX/XXXX-XX/XX/XXXX ) my husband was unable to access his savings account online. He waited till Monday ( XX/XX/XXXX ) to call Bank of America customer service, re : this issue, as that was when main customer service is open. They informed him they had closed the account and they had the right to do this, with no notice or recourse, as per the terms of the policy when he opened the account. A check would be mailed to his home-of-record address, but no time-frame was given. When I inquired about the status of our joint checking account ( which we have held for the past 25 years ), I was told it was scheduled to be closed, but they were unable to tell me when or why ( same story as above ). I asked to speak to a manager and was disconnected. I called back and was told the " Risk Management team '' saw foreign transactions in the account and decided to close it as a " business decision ''. I explained I am a XXXX XXXX XXXX and have served most of my 18-year career outside the US, so there were bound to be foreign transactions. I also told them that a check, sent to my home of record ( my aunt 's house ) would not get to me for 4-6 weeks and this would cause great difficulty, with no access to my funds for such a lengthy period of time and 2 business trips fast approaching. I again asked to speak to a manager. Again, I received the same speech about them having the right to close the account at any time. Again, I was disconnected.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Capital Enterprises, Inc. (MO)

This company ( American Capital Ent ) which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Consumer complaint received 2022-02-08
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. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.
Consumer complaint received 2024-08-27
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. (NJ)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

*Update* I disputed XX/XX/XXXX this with CFPB and the company responded that they would have it deleted from credit bureaus within 24-48 hours however, they only had it deleted from XXXX and XXXX. It is as of today ( over a week later ) STILL on XXXX. 

*Original dispute* In XXXX of XXXX I was approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to XXXX. This is the the second time in XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Meridian Financial Services, Inc. (FL)

We had an account for a Timeshare we had purchased. Which later went into default. But the company that was handling their debt collection, Meridian Financial Services filed a negative report on my credit for the debt 5 1/2 years ago, since that time, they have filed additional negative reports using different account numbers filed 3.5 years ago and again 1.5 years ago. I have tried to inform the credit bureaus, but every time they said they checked with Meridian Financial and they claimed it was accurate. But I only had 1 account, and now have 6 negatives from them for the same account, which they have used a different account number for each. And each month, they continue to report all 6 negative credit reports, And no one seems to be able to get this fraud by this company corrected.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2019-12-08
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)

after disputing the inaccuracy multiply times the company and the bureau claimed to say the account is verified and reporting accurately. when Cleary the credit report is still reporting late payments on a charge off account which is a violation. a charge off is a closed account and no new information should be reporting especially with the account be sold also. 
XXXX/XXXX. XXXX
Consumer complaint received 2019-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

Comenity Capital Bank, a division of Alliance Data ( NYSE : ADS ) is willfully and intentionally violating the Consumer Protection Act. They have left a minimum of 3 voicemails to my daughter 's father ( me ), mother, and mother-in-law regarding a collection effort. They are NOT seeking information about how to contact my daughter, as allowed. They have been leaving her voicemail messages and by her outgoing greeting they know they are reaching her. 

They are contacting extended family all in separate households and states with the explicit intent of causing embarrassment, believing this gives them leverage in their efforts. This is a low-life company deliberately violating US policy. 

" Hi XXXX, my name is XXXX with Comenity Capital Bank. This message is intended for XXXX XXXX. I'm calling in regards to Children 's Place. We've made several attempts to reach XXXX regarding this matter, and I do need a return call today. My direct phone number is XXXX. And my extension is XXXX. XXXX if you could pass my information along that would be greatly appreciated again, my direct phone number is XXXX. My extension is XXXX '' This is out of bounds for what they are allowed and these out-of-bound messages are deliberate, intentional, and illegal. They are simply the worst collections policies and practices I've seen in my entire life. Shame on the soulless people that choose to work there and use these tactics.
Consumer complaint received 2019-12-08
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. (NY)

I have on my TransUnion a credit inquiry dated XX/XX/2019 from XXXX which I didnt do. I spoke to many different Dept at XXXX XXXX   and to TransUnion and followed up via web etc no luck. Pls assist. 

No I see another one dated XX/XX/XXXX from XXXX which o didnt do either. 

Im a previous victim of identity fraud. Thanks XXXX XXXX
Consumer complaint received 2019-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.