davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have has an issue with all 3 Credit bureaus that have reported information on my credit that are very false I have over 32 inquires one my account due to false information from identity theft and I want it removed it has brought my score down major and Im not even XXXX with all of this false information on my credit XXXX XXXX has recently removed certain information Im thankful for that but majority of the inquires still stands I have multiple inquires from companies that I have never done business with from fraud behavior intended on getting goods that I knew nothing about at all. PLEASE REMOVE THIS INFORMATION I have never dealt with or has any association with these companies
Consumer complaint received 2020-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Lending Club Corp (NY)

I filed a complaint with the CFPB on XX/XX/XXXX alleging that my loan was mistakenly charged off for failing to make a hardship payment. This was the Complaint of XXXX XXXX, CFPB Complaint No. : XXXX. 
Lending Club responded to me on XX/XX/XXXX stating that they they had mistakenly charged off the loan, but stated that they would change how they reported it to the credit bureaus. However, now that the loan was charged off, I could no longer make automatic payments, I had to call to arrange payments. Thereafter, I called repeatedly to try to make payments and those payments often were not credited properly and promptly as they should have been. For my XX/XX/XXXX I received a notice that my one time electronic payment of {$150.00} " will be applied '' to my account on XX/XX/XXXX according to the arrangements I made on the phone, but then no payment was taken out of my Bank Account. In XXXX they demanded that I pay two months because I hadn't paid XXXX, and took out {$300.00} on XX/XX/XXXX without my authorization or permission. In XXXX, the same thing happened. I called and made a payment for XXXX with a Lending Club customer service person and then I got an email from Lending Club falsely stating that I had authorized a payment for {$200.00} twhen I never authorized that amount. Lending Club told me that someone would get back to me because they had gotten the amount incorrect. My bill said I owed {$200.00} for XX/XX/XXXX when I only am supposed to pay $ XXXX/month. No one has gotten back to me after three times I called and spent an hour on the phone. I can not make payments because they keep XXXX up after they charged my account off. They need to fix this problem once and for all. I want my account not to be charged off, but current, and I want to be able to process my payments on line just like any other account that is current and I want to have my bill paid when I make a payment. I do not want them each month saying I didn't make a payment when i did. Lending Club has the worst customer service. This has been going on now for months. It must stop.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (WI)

I am disputing the charges, dates and amounts being charged. 

I have attached the original statement that was sent to me from the debt collector. 

You can see at the top right it says statement date is XX/XX/XXXX it then says statement covers Winter Quarter XXXX. 

The statement also has typing outside of the box which indicates to me that it is fraudulent. 

This is a discrepancy. 

I attended the school in XXXX and XXXX however there is a discrepancy in the documentation and it has not been removed from my credit report which is illegal. 

I am disputing the entire balance. 

I just recently disputed it and it was not removed even with the inaccuracy and supporting documentation that I provided.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I sent payoffs in the amounts of {$2400.00} and {$3700.00} to pay off both of my capitalone cards. The payments were sent via checks from a title company on XX/XX/2020. CapitalOne cashed the checks and both checks cleared on XX/XX/2020. CapitalOne never credited the payments to my card balances. After verifying the information with the title company I called CapitalOne on XX/XX/XXXX to inquire about the issue. On the first call I was told there was no records of any payments being received, the second time I called I was told there was a hold on the payments because the checks havent cleared. At that point I informed the individual that both checks had cleared on the XXXX and that CapitalOne was already in possession of the funds, then I was told to hold and the line was disconnected. On the third call that day I was able to speak with someone who identified himself as a costumer service manager who told me it was Standard practice for CapitalOne to instantly cash all checks sent to them despite who they are made out to or weather the check is legible. He informed me the money goes into an account and waits for someone to call and say it belongs to them. I provided him with all of my CapitalOne account information, the name of the title company, the amounts of the checks and the date they received them, however he informed me that I hadnt provided him enough information to investigate the issue. I informed him I would be filling a complaint and ended the phone call. Later that night I received a call from CapitalOne attempting to collect payments for the card balances.
Consumer complaint received 2020-05-12
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. (CA)

After careful review of the report I find out accounts which are not belong to me. f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
f you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2024-11-15
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MoneyLion Inc. (VA)

On XX/XX/2018 I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/2018 I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name " XXXX '' and he informed me that they did not take it off for the membership agreement. That no law could stop them. This is after I had called multiple times stating that I never agreed to this " membership fee '' to began with. It's false representation!! I have already paid this loan off.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cashapp account opened about a week ago. My account had reached the sending max, so it was on hold for a week to send payments. I didnt choose to receive a card in the mail for this account and I believe that was the invitation for cashapp to take my money. Upon trying to log in to the cashapp account, I received a message that my email address could not be verified, the email that had worked fine for the time period that the account was active. I contacted customer service where I only had the option to create a new account to get through to customer service. I was told that parts of the information I gave to recover the account was incorrect, but no specific details on which parts. There are no live reps for cashapp so everything has been via email. The responses are generic and prompted. I received no help in recovering my funds and when I asked since I had to use my social to verify the account if it could be used to get everything settled or if they could just send a card to the address on file so that I could take my money out, those questions went unanswered by 2 virtual ( robot representatives ). I asked numerous times. No anawer. I was then told that my case was being closed ( on day 1 ) because I couldnt provide the parts of the information that could not be verified. My money is in limbo and I fear that cashapp has no intentions of giving it back. I dont even know if Im talking to a real person or if Im just getting responses via auto reply because Ive given every piece of info they could possibly want and they wont budge. This is theft an I will not stop until I get my money back!! Cashapp has multiple reviews on these kinds of instances. The account went from verified to mysteriously not able to match information and none of this was my doing. I want to know WHERE my money is, I want to know HOW long its going to take to get it back. I want to know WHY my account suddenly became property of cashapp.
Consumer complaint received 2020-05-13
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: Credit Karma (TX)

I was in the process of getting a mortgage through a different company which was at a higher interest rate when I received an email from XXXX XXXX aka XXXX stating that I could get a lower interest rate if I applied with their company. I clicked the link and completed the application and it said for me to email XXXX to explore my " options ''. I didn't receive a response. I get another email from XXXX   asking me to complete my application. I went through all the pages everything was completed so I asked my husband if he wanted to be co-borrower I figure maybe additional income was needed for my application. I received notification from my credit monitoring system that XXXX XXXX  XXXX accessed my credit report twice on XX/XX/XXXX and XX/XX/XXXX. I received another email from XXXX stating that I was denied approval because " loan representative 's credit score needs to be increased to XXXX ''. In the middle of this same email it stated " Your credit score : XXXX Date of credit pull : XX/XX/XXXX. '' I filed a complaint with XXXX XXXX XXXX and XXXX XXXX of XXXX responded to complaint saying that my credit score was below 620 which was not true. I asked her how did XXXX get my contact information and why they sent me that email to apply for a lower interest rate mortgage when I was already in the process with another company. She said they got my information from Credit Karma. Because XXXX pulled my credit THREE times on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX this inadvertently affected my original pre-approval with the other company. XXXX had no intention of approving me for anything even though my credit score was higher than 620. I checked FICO scores for XXXX  and they were higher than what XXXX was reporting. Credit Karma was reported the scores 100 points higher for XXXX  upward XXXX. Either way, I should have been able to qualify for pre-approval for a lower interest rate mortgage by myself without a co-borrower but the XXXX   system did a bait and switch and got me to include a co-borrower so they can get his information as well for marketing purposes. Even after XXXX denied me they continue to send emails asking me to complete the application. I feel this company is using phishing, bait and switch, and taking advantage of people during the COVID-19 pandemic by getting access to their credit information.
Consumer complaint received 2019-04-11
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 sent this company my detailed dispute and proof on XX/XX/XXXX regarding to erroneous accounts reporting on my report. But until now this company is still reporting the account that I had disputed. This is very disappointing as this company is the only remaining credit bureau that is reporting this unverifiable account. For yet another time, this is the erroneous account that I need to be removed : Bankruptcy, Reference Number XXXX, Date Filed XX/XX/XXXX I am not familiar with this bankruptcy case ref # XXXX, please remove it asap By law, it takes 30 days for a company to investigate and verify a dispute Case, but this is not the case with this company as it has now passed the 30 days mark. I am attaching the letter i sent this company as my detailed dispute to them.
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

On XX/XX/XXXX XXXX XXXX XXXX of Weltman, located in Michigan, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX got a court located in XXXX XXXX, MI located XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to issue a subpoena on behalf of XXXX XXXX for which I never had but was closed and paid in full. My identity was stolen in XX/XX/XXXX and unbenounced to me several credit cards were opened in my name and or re-opened which I thought were closed, as was XXXX. 

Subsequently, this Firm, Weltman, stole my social security number in an attempt to collect funds. This firm are known to be scam artists with attorneys on staff. This is all they do. 
Their so-called phone is XXXX. 

This firm is also sending information to a second home, and not my primary residence. 

I have contacted an attorney in New York and have started the process to sue them for stolen consumer information.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (OH)

On XX/XX/2020 at XXXX XXXX  I called Performant to ask for more information that would validate the debt is mine and detailed tax account transcripts and tax transcript. According to the notice sent there is a 30 day period from receipt of the letter. Received on XX/XX/2020 although dated XX/XX/2020. 
Spoke with XXXX XXXX # XXXX. XXXX was more interested in making sure she had collection information that would enable Performant to collect the debt instead of honoring my request to send information that I have requested. 
I requested a fax number where I could send a letter disputing the debt and the collector ignored my request and continued to state her claim that I owed the debt and how much. More interested in gathering my contact info. 
I should not have to verify information before I validate the debt is mine and the amount is correct. 
Under collection laws any acknowledgement to amounts is validation to the debt. The collector was trying to validate the debt, instead of setting it up for me to receive the information requested. 
The date of the letter is XX/XX/2020, it was received XX/XX/2020.
Consumer complaint received 2020-05-13
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. (FL)

I had been disputing the mentioned account with the Credit bureaus for the past 2 months. I dont understand why this account is on my report. The account does not belong to me. 

On XX/XX/2020 around XXXX I contacted XXXX XXXX XXXX , after received from the 3 Credit Bureaus the results of the disputes were the account came as verified and accurate. I spoke with XXXX, Employee # XXXX. I mentioned about the mentioned account provided the account number so she can bring to me more information. She asked me about my personal information such as full name, date of birth, social security number, address and phone number. After I provided all the info, she told me that she cant share any info about the account because the information on her records doesnt match. 

I contacted the Federal Trade Commission and filled an Identity Thief Report. The report number is XXXX. See attached.
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX