davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

After submitting here, the complaint XXXX on XXXX XXXX, XXXXXXXX XXXX send me a resolution on XX/XX/year> stating that the debt decreases from {$390000.00} to {$1700.00}. Then on XXXX, I called and talk with the representative XXXX XXXX, and they offered me XXXX options : - a payment plan of {$890.00} in XXXX and XXXX to cover the whole debt, - cover the whole debt in XXXX,- or cover the whole debt in XXXX. 

Today my credit report updated with delinquent information between XXXX and XXXX. When I call them in XXXX, they did not request me to start making the payment that month, but in XXXX or XXXX. I call today a talk with XXXX XXXX, investigator assign to my case, to make the claim, and they respond me that I need it to pay for a credit report and submit it to them for them to verify if an error was made towards my credit report. The representative also stated that if a payment plan was agreed, there was not supposed to be an adverse credit report. I also went to the branch to make the payment of the whole debt. 

Between XXXX and XXXX, they send me different letters with different amount of amount debt.
Consumer complaint received 2019-02-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NE)

Our struggles with our mortgage company started about the sixth month we got our mortgage. My wife, daughter and I all started having health problems, which in turn caused us to have financial issues. My wife missed eight months of work and it caused things to spiral out of control even further. This company has been a nightmare. We have been harassed to the point they are sending people to put notices on our door to call the company and tape them to our door. The tape is so heavy duty, that is actually damaging our door! The financial figures the company comes up with do not make sense. Our escrow account has been mismanaged. When I filed a complaint prior, we received money back from the company and things got better for a little while. I have attempted several times to work with the company until we can refinance, but things have been quite overwhelming and like a domino effect in every facet of life. I keep making payments well beyond our monthly payment each month and the monthly payment keeps going up and up and up. The Money Source keeps employing predatory tactics to steal our home and I don't know how they get away with this. If we have a fixed mortgage, how can they keep raising our monthly payment? They have a " bucket system. '' So when I am caught up as far as I am concerned on our payments, they keep saying we are behind on our mortgage and charge fees. Now our loan is in default. For six months we had an agreement if I paid this ridiculous rate we would be caught up. For 5 mos I paid the payments on time. The sixth month I paid the payment a week late and they said that made the contract null and void and we were in default and therefore were 1 to 2 mos behind again. I don't understand at all. I have been trying to contact the HUD FHA resources, but due to other issues and the government shutdown, I did not receive assistance. However, I plan to try again.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (NC)

On or about XXXX XXXX, 2020, XXXX XXXX and XXXX XXXX transferred a total of {$610.00} to CashApp for transfer to me. They received confirmation that the money was taken from their accounts. None of the money has ever reached me. 
After trying unsuccessfully to reach CashApp by phone ( none is listed ) or email, I wrote a letter to them on XXXX XXXX, 2020, to the attention of Customer Support. I heard nothing back. I followed up with another letter on XX/XX/XXXX addressed to the Chief Financial Officer, certified mail, with copies to the CashApp lead, the General Counsel and the Chief Executive Officer. Again, I have heard nothing from them. I have copies of the correspondence to them in my files. I have not even received an acknowledgement that they are looking into the matter. 
It is now more than six months without the funds. I am suspicious that I am not the only person to be affected. 
One of my letters asked them if I was wrong about being owed the money, but no response was forthcoming. I would like them to pay over to me the {$610.00} that is due.
Consumer complaint received 2019-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

My student loans are paid through XXXX XXXX XXXX. As a XXXX employee ( XXXX XXXX XXXX ), I tracking each of my payments in order per the terms of the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, I submitted my annual PSLF employment certification. XXXX XXXX XXXX sent back acknowledgment of my federal employment status, along with a list of qualifying payments submitted since the beginning of my repayment plan. I noticed several discrepancies including, but not limited to, missing payments for entire months and missing payments for parts of the loans that are consolidated within the entirety of the loan package. I emailed XXXX XXXX XXXX in XX/XX/XXXX to notify them of the inaccuracies and request an updated list of qualifying payments. I did not receive any responses despite subsequent, monthly email and phone follow-ups. In XX/XX/XXXX I called and was told that my request had just begun processing. In XX/XX/XXXX I called again and was told that XXXX XXXX XXXX required more time. In XX/XX/XXXX I emailed again and did not receive any response at all. In XXXX and XX/XX/XXXX, I was told on the phone to continue to be patient. In XX/XX/XXXX, the representative I spoke with on the phone told me there was a backlog and to wait for an update via email - the representative said the longest outstanding request was from XX/XX/XXXX, so my XX/XX/XXXX request needed to wait longer. In XX/XX/XXXX, I emailed again and AGAIN received NO RESPONSE. In XX/XX/XXXX, I emailed and nearly two weeks later, I received a response stating that these reviews " take a great deal of time. '' It has nearly been a year of my patient requests for updates. This is absurd and the worst customer service I have ever experienced. I have gone through my records and can provide accounting of each payment processed with XXXX XXXX XXXX going back nearly 7 years. I have the bank records showing each payment and can provide these if needed. I am completely baffled and appalled as to why it has taken nearly a year to receive a response from this loan holder to a simple request for an updated review of my account. I am tired of dealing with the inconsiderate, and incredibly, sometimes non-responsiveness of this organization. How can I trust an organization to handle the processing of my student loan payments and, hopeful, future student loan forgiveness if they can not process a simple request?
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2019-02-23
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: Penn Credit Corporation (PA)

On the XX/XX/2019, i filed a complaint against PENN CREDIT CORPORATION due to inaccurate information they're reporting to the Credit Bureaus. I requested full verification and proof of ownership of the account with documentations showing my signature agreeing to do business with them or the XXXX XXXX XXXX, based on the four page documentations they sent i now believe they are trying to collect money unfairly from the wrong person. i see no signature, no billing statements that breaks down how i owe the money. Yes it is true i did live at the address they mentioned in the past which is XXXX XXXX XXXX but they got the wrong apartment my wife and i lived in apartment 2 floor rear and not 2 floor front as they claims in the documentation provided, the smallest unit in the house is where we lived. one more thing they don't know is our living condition at the time, four tenants shared a large house that the owner separated into four different apartments. One incident i remembered is when i first moved in my unit, the previous tenant didn't pay their gas bill and XXXX put that responsibility on me, i disputed that bill and it was rectify now i think they are playing the same tricks to unlawfully make me pay for a service i never utilized. Below are all four sheets of documents i received from them, but still not proof of my ownership of the account.
Consumer complaint received 2019-02-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

My name is XXXX XXXX and I am one of the millions of people that Navient has taken advantage of. When I was XXXX and fresh out of high school they used my fathers income to take my loans out. Now after college, I don't make nearly as much as my dad does because he was there for almost 25 years at that point. I am going broke trying to make my payments. I do not want to go defer/fb because what if I need that for an emergency. 

I have tried and called so many times to have someone help me and no one ever does. I cant afford to live or enjoy anything because my private student loans take up all of my brain power and my paycheck. 

Please help.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/XXXX my cash app card stopped working and started declining due to unusual activity when I contact the cash app I was told that XX/XX/XXXX unemployment requested them to freeze my funds and wire it back to them my money disappeared on my account on XX/XX/XXXX and I had a message saying that it was wired back to XX/XX/XXXX unemployment every since then I have been contacting XX/XX/XXXXunemployment and cash at back and forth and XX/XX/XXXX unemployment has told me they didn't they have never received any funds back from cash app and that cash app is stealing my money and lying to me I'm honestly fed up with this and I really don't understand why I'm being lied to and why cash at feels the right to hold onto my money it has almost been four months now that I have been without thousands of my dollars I have bills and a child to take care of and it's really frustrating that I keep getting the runaround and being lied to I honestly just want my money back and I want cash app to tell me the truth on where my money is actually at
Consumer complaint received 2019-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX Contacted PayPal Credit customer service to inquire about fraudulent/unauthorized purchases XX/XX/XXXX Received letter from PayPal credit acknowledging claims XX/XX/XXXX Submitted affadavit of fraud via mail XX/XX/XXXX-XX/XX/XXXX Attempted to contact customer service again XX/XX/XXXX Spoke with customer service to inquire about status XX/XX/XXXX Submitted follow-up letter with Affadavit of Residence XX/XX/XXXX Received letter from PayPal Credit requesing copy of driver 's license XX/XX/XXXX Submitted a copy of my drivers license as requested XX/XX/XXXX Received letter from PayPal Credit again requesting copy of driver 's license XX/XX/XXXX Submitted another copy of my drivers license as requested XX/XX/XXXX Received detailed documentation from PayPal Credit about the disputed charges XX/XX/XXXX Contacted customer security operations to inquire about status of complaint XX/XX/XXXX Contacted XXXX County Police to file report XX/XX/XXXX XXXX County police contact PalPal Credit to let them know report had been filed XX/XX/XXXX Contacted customer security operations to inquire about status of complaint. 
Was told that I would have to send them a copy of police report. 
Was originally told by XXXX County Poolice that PayPal Credit would have to request it. 
Sent an e-mail to XXXX County Police requesting report under FOIA.
Consumer complaint received 2019-02-23
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. (FL)

This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both LoanDepot and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to Equifax shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )
Consumer complaint received 2019-02-25
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: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2018), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  never late XXXX XXXX never late XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX  XXXX  {$580.00} not mine
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc. (MO)

Thursday XX/XX/XXXX there was two transactions with application called cash app. They were canceled by cash app for my protection and said that the funds would be refunded back to my bank account. Both transactions were for {$150.00}. I have called my bank and they dont see that its pending in my account. I have tried reaching out to cash app via email and have only got the same response every time. They said the funds will be there on Monday XX/XX/2020. And I yet to have my money
Consumer complaint received 2019-02-25
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. (MI)

On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX XXXX in reference to an alleged debt with XXXX XXXX. I called XXXX XXXX XXXX and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by XXXX XXXX XXXX, and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX XXXX Police Dept. This is not my account, I want it deleted from my Transunion report.
Consumer complaint received 2019-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

Company is attempting to collect a debt that does not exist. Account was paid in full and I believe this is an extortion attempt. I contacted XXXX and they had no knowledge of any monies owing or why this debt collector was trying to collect on an account in good standing,
Consumer complaint received 2020-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (CA)

The Cash App by Square is a service that I use to purchase, store, and send/receive both digital ( bitcoin ), and USD currency, as well as buy and sell stocks. This company disabled my ability to add conduct any transactions whatsoever, without notice, and upon inquiring about it, they've informed me that my adverse action has been taken on my account by closing it. They will not provide the specific reason for this adverse action except to cite internal policy which gives to information pertaining to my conduct when using their services. I have committed no violations of any of their Terms of Agreement ; and they refuse to provide any additional information. Furthermore, they did not provide the required contact information in their mailed notification ( s ) per CFR 12.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (NJ)

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX