davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MORGAN STANLEY & CO. LLC (NJ)

I disputed with XXXX a charge incurred in XX/XX/2017 on my Morgan Stanley-XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. The hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

After receiving no satisfaction from XXXX, I provided all of the above information in great detail both in writing and orally to Morgan Stanley, whose name brands my card. But Morgan Stanley has refused to take any interest in this issue. No one from Morgan Stanley spoke with me, and Morgan Stanley clearly gave no consideration whatsoever to my clear and legitimate concerns. It is apparent that Morgan Stanley feels no responsibility to ensure the integrity of its co-branded card.
Consumer complaint received 2018-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a validation letter to XXXX XXXX XXXX on XX/XX/2018. They never responded with the validation request but sent another bill on XX/XX/2018. I then received a phone call asking me to verify my last 4 digits of my social security number and address. I have yet to receive validation of this account and request that it be deleted from my credit files as this is causing major issues with the home buying process.
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2022 I made an XXXX XXXX for the sum of {$120.00} through Paypal friend and family and the XXXX said that it shouldn't take long to do. It's the middle of XXXX now and I haven't seen anything about my commission and I needed the money back for financial reasons, but they rejected it saying they couldn't refund the money now, then I found some information about said XXXX being a scammer and I filed a dispute through Paypal.
Consumer complaint received 2018-02-08
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)

Unauthorized inquiry on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Participant
Consumer complaint received 2018-02-08
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX/XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX/XXXX XXXX                 UNVERFIED
Consumer complaint received 2017-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working  on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX
Consumer complaint received 2017-08-10
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. (FL)

I have called several time to ask to have the inquiries removed and was told that they cant do that and that a creditor can pull my credit without my consent. I know that is not true and want the inquiries removed that I did not authorize.
Transunion advised that there were not inquiries, I attached the report showing them listed.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-02-08
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: LTD Financial Services, L.P. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who LTD FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who LTD FINANCIAL SERVICE is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX XXXX                 UNVERFIED
Consumer complaint received 2017-08-10
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. (NH)

On XXXX XXXX, 2017 I wrote TransUnion that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent TransUnion 60 pages of evidence to support my claim. TransUnion has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.
Consumer complaint received 2018-02-08
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I requested a free copy of my credit report from Equifax. Upon review of my report I noticed several hard inquiries that took place from XXXX throughXX/XX/XXXX. I called Equifax and spoke to a U.S. Representative and we went step by step through the report and the inquiries were removed. On XX/XX/XXXX I decided to check XXXX XXXX and noticed they were back on there. I sent a letters asking for validation of the information and accounts linked to those inquiries and in return I received a 2 page paper that showed the inquiries I had removed and disputed. I am aware of a data breach with the bureaus and feel my information was compromised. Too many inquiries in a short period of time and no validation ever being sent to me.
Consumer complaint received 2017-08-10
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: Navient Solutions, LLC. (GA)

I have written all three Credit Bureaus XXXX, XXXX and XXXX about my daughters Navient student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. Navient has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that Navient is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. Navient is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Consumer complaint received 2017-08-11
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 paid to check my credit report and also verified or compared my credit report through XXXX XXXX. On both ends shows an account as opened when it should be showing closed. I have submitted several disputes with Equifax to correct this issue but the account still remains open after Equifax stated the account is now closed. The first attempt was in XXXX XXXX, XXXX to start and have them correct this. Later I find it still open so on XXXX I filed another dispute with Equifax to have closed. I spent {$39.00} for a Credit Report through Equifax. On XXXX, I addressed this issue again. Spent another {$39.00} for a Credit Report. As of today XXXX, XXXX XXXX still shows an Open account.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Continental Finance Company, LLC (WI)

I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. 
I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. 

Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. 

I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via XXXX XXXX ).
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

On XX/XX/XXXX, I sent an email to account manager, XXXX XXXX, for my vehicle loan with Prestige Financial Services ; I was requesting a reduced payment amount of {$250.00} for XX/XX/XXXX loan payment. Due to having a medical hardship, the initial monthly payment for {$420.00}, which was set up to be drafted on XX/XX/XXXX, was going to be returned. This was suppose to be XX/XX/XXXX payment, but late. XXXX XXXX XXXX, replied via email on XX/XX/XXXX, stating that she could " reduce and accept '' a {$300.00} payment for the month of XX/XX/XXXX only. Therefore, I accepted her offer for the reduced payment of {$300.00}. Thus, making the {$300.00} payment will bring my account current as of date, until my next monthly payment which is due on XX/XX/XXXX. After reading and acknowledging the payment disclosure sent to me via email on XX/XX/XXXX ; I authorized the {$300.00} payment for XX/XX/XXXX to be drafted from my savings account on XX/XX/XXXX. The disclosure also stated that by Prestige accepting a reduced payment amount for XX/XX/XXXX, this may extend the term of my vehicle contract, and affect the prior three payments received. Now all of a sudden, on XX/XX/XXXX ( today ), XXXX XXXX from Prestige sent me an email stating that my loan is {$50.00} past due and I must make a payment to bring my account current. However, my account should be current from the payment made on XX/XX/XXXX, in the amount of {$300.00}. Along, with her forwarding my information to another account manager named XXXX XXXX ; I am now being harassed by the both of them for an additional {$50.00} payment. Plus, neither one of these managers want to disclose how I would owe another {$50.00} for
XX/XX/XXXX.
I do not like being harassed and threatened to have my vehicle repossessed for additional money they claim I owe, on top of my XX/XX/XXXX payment already made. Please look in to this matter.
Consumer complaint received 2017-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent XXXX this information over numerous times but have not verified anything with me. I receive a letter from XXXX  stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if XXXX does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016, X/XX/2016, X/XX/2016
Consumer complaint received 2018-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WI)

I am enrolled in Public Service Loan Forgiveness program and I am not getting any feedback as far as the number of qualifying payments that I have made towards the required 120.  I have certified my employment every year so that this is easier to track but yet when I call and request a print out of payments made they say that it will be about 90 days.  Although that is a long time I will accept it but even after the 90 days I still don't have any information.  Currently I am working on about 150 days with no response.  The last person that I talked with looked at my account and said I should have over 70 qualifying payments but when I log into their website it says 55, this may not be updated but we are talking over a years worth of payments difference.My biggest worry is that I'm going to have 120 qualifying payments and I am going to be still paying for a year until they get around to forgiving my student loans.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-02-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-13
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

In XXXX of XXXX I reviewed my XXXX credit report and noted that there was a Charge-off account being reported by Macy 's XXXX 

I wrote to Macy 's on XX/XX/2022 requesting that they investigate, verify and validate what was being reported. ( See attached letter ) Macy 's response was not forthcoming and indicated that they could not comply to my request. They then had Citibank N.A. to send another letter informing me that they are no longer trying to collect on this alleged Charge-Off. 

I do not understand what is the problem with verifying an accoun that they've reported to the Credit Reporting Agencies, unless they realized that they are not able to comply with my request!
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (CA)

This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XXXX 2017 to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XXXX XXXX, 2017 the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XXXX 2017 and now 180 days or more past due.