davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AR)

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR.

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Consumer complaint received 2020-06-22
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. (TX)

On XX/XX/XXXX complaint XXXX was submitted through CFPB for 3 inquiries from XXXX  XXXX from dates : XX/XX/XXXX, XX/XX/XXXX with Transunion and XXXX, and XX/XX/XXXX with Transunion, XXXX  and XXXX. XXXX XXXX kindly answered that was going to take them off, on the answer to CFPB. 

The Credit Agencies neglect to take the inquiries off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. 

Please act according to the answer submited to CFPB, on your previous answer.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2020-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX University  XXXX. I never signed an enrollment agreement with XXXX University  XXXX nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX University XXXX. I do not wish to be affiliated with XXXX University XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

On XX/XX/XXXX at XXXX, I received a direct message on XXXX from an account claiming to be a graphic artist and offering to do work for me. On the same day, at XXXX, I engaged the " artist '' and we came to an agreement on what I wanted and a price ( {$50.00} ). I was told that as soon as they received a confirmation of payment through CashApp, they would start my work. At XXXX, they provided their cashtag which is XXXX  XXXX. I then sent the payment and at XXXX, provided the screenshot of the payment being completed. The next day ( XX/XX/XXXX ) at XXXX, I was accused of not sending the payment. At XXXX, I logged on to my online banking and took a picture of the transaction showing that it was out of my bank account and processed. After some back and forth arguing, I once again sent the bank account transaction AND a screenshot of a completed payment from me to XXXX XXXX through cashapp. At XXXX, this person had the audacity to ask me for ANOTHER {$20.00} to " clarify my payment ''. I refused, there were some angry messages that followed, all of which I have screenshots and I requested a refund. I was denied my refund from this person on XX/XX/XXXX at XXXX. I have been trying to reach customer support for weeks. Through emails, and phone calls. I have never received a return email and every phone call ends up with me on hold for an hour and a disconnected call. Today ( XX/XX/XXXX ) I got an automated call from cashapp about my declined refund. There were no options to press any buttons and when I call the number provided, it just disconnects. I even contacted my bank and was told they don't deal with cashapp. This was supposed to be for a Father 's Day gift and not only am I out the money, but I also didn't have the gift done on time.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

Someone used my credit card and opened a XXXX account and purchase unauthorized stuff. Comenity Bank ( BJs Credit Card ) Investigation group is recharging me because they said that the charges came from XXXX. When I opened my XXXX account, which I haven't used in 4 years, It listed an expired credit card and no transactions for the last 180 days. 
I now see a thread someone opens an account with XXXX fraudulently uses an unauthorized credit card and Comenity automatically pays XXXX and I'm still responsible. 
The original charges were made on XX/XX/20 for {$490.00}, {$140.00}, and {$100.00} to a company called " XXXX   XXXX CA ''. When I originally called Comenity, they took the charge off my account. Those charges were put back on my account on XX/XX/20. 
How do we resolve this?
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 
The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently got a copy of my credit report and I notice that some of the information reported was incorrect. i contact the creditors and the credit bureau and asked for any information bearing my signature. As of today I have not receive any documents with my signature on it. Please help me with these issue.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The last two payments were not applied correctly. ( XXXX & XXXX ) They were my monthly payments, yet both payments were applied to principal only. I have reached out to the mortgage servicer several times, yet no response, or correction. I have also previously filed a complaint on this website. Also, I want to make sure that previous payments have been applied when they have been received, since this affects how much interest I am paying.
Consumer complaint received 2020-08-06
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: TRANSWORLD SYSTEMS INC (OH)

I have a loan with TSI/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Original Creditor : XXXX ), XXXX XXXX ( Original Creditor : XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, TSI/XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ),  XXXX XXXX XXXX ( Original Creditor : XXXX ), XXXX XXXX ( Original Creditor : XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IL)

I did transfer with western union. Online status says delivered. Money was not received at destination. Did online communication with Agent. Agent said that he filed complaint. Agent did nothing. Three times same experience with agent online. I called WU again. Now there are saying here is new complain number. Basically, chat agents have been providing misleading information and keeping consumer complains asides. Hoping consumer issues will be resolved. 

Issues are not resolved.
Consumer complaint received 2023-06-22
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My wife and I obtained a mortgage on a property at XXXX XXXX, XXXX Texas in XXXX and the mortgage was sold to Mr. Cooper in XXXX. The problem started this year in XXXX when we made a principal reduction which left a balance on the loan of approximately {$48000.00}. This would have put the loan to value on the property at 15 %, of which I assumed PMI would have been cancelled, however, I recently learned while trying to close out this loan it was not cancelled. I was told I had to call the PMI department to have them cancel it because unless a client requested it they will keep charging the PMI regardless of the LTV. 
We later paid an additional principal amount in XXXX which we thought would have paid off the loan. We then called to get a payoff amount and we received the payoff quote of {$820.00} which we paid on XXXX. However, I received a current statement from Mr. Cooper in the amount of {$2400.00} dated XX/XX/XXXX. I started the process of reconciling this issue with Mr. Cooper, I talked to 5 people on recorded lines at Mr. Cooper at different levels of the organization. Each time I was told different things from yes I see where this mortgage should have been closed out in XXXX to my last call last night where I was told I did owe the money and the only thing I can do is pay the now owed {$800.00} principal and interest out of my escrow account to close out this mortgage. I agreed to this because I now have a collection agency hired by Mr. Cooper calling me and texting me about my past due payment. I have also been charged late fees and they are still charging me the monthly PMI premium of approximately {$130.00}. I have requested a full review of the account from the agents I have spoken with and they have told me they will get the accounting review team involved but nothing as happened. I don't believe we owe the additional amount of {$800.00} which I agreed to have taken out of my escrow account in order to just move on in this situation. It is unbelievable to me that they have hired a collection agency to call and text me about my payment that is past due that I don't believe I owe. This whole situation has not been handled well, I have been told different scenarios, escalate to people and nothing is resolved.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I am an authorized user and pay the Chase card in question. However, since I am just a subhuman non white curry XXXX To Chase, I am illegally denied my rewards points or even the ability to redeem them. They then accused me by the fraud department of not being on the account, even though I am and have been for years. I now know how XXXX XXXX felt when he falsely accused and then killed by the white police. To be falsely accused as a person of XXXX when my XXXX family did nothing wrong or ever changed the authorized users is scary, and puts me in fear of my life. Chase needs to cover up misconduct by its white employees, who always get away with operational errors in white supremacist XXXX XXXX world while XXXX employees get the boot for daring to speak on operational errors at JPMorganChase.
Consumer complaint received 2020-08-05
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)

An account in collections was paid in full XX/XX/17, the XXXX and XXXX had no problem updating the account. Transunion fails to update this account from XXXX XXXX XXXX after being disputed. They continue to validate the balance which is incorrect as well. The managers of XXXX XXXX XXXX have reached out to Transunion in multiple ways and there are still no updates. We can not dispute this account any further due to our mortgage underwriting, and our previous 2 disputes were ignored. We've spoken with 11 different people from Transunion and they are still reporting inaccurate information further affecting my ability to close on my home purchase.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

Hello My name is XXXX XXXX, Account # XXXX Enhanced Recovery Collection had contacted me on a debt allegedly that I owed around XX/XX/20. At the time I did not know that I could dispute such debt ( after some research, i realized that I could ). I agreed to pay them {$100.00} ( attached letter ) for the simple reason of convenience and I also asked them to please DELETE the account from my credit report, which at the time they informed over the phone THEY WOULD. Based on that acknowledgement, I decided to just pay the debt. After receiving a letter dated XX/XX/20, to my surprise they did not DELETE from my credit and my credit score DROPPED significantly almost 60 points due to this payment. I am frustrated with this unethical deception to collect a debt and then tell me they will remove it from my credit report and then they do not, this is not right. I have attempted to call them to correct this situation. They just do not care. Please help.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Everest Receivable Services Inc. (NY)

My name is XXXX XXXX my date of birth XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my complaint is that a collection name Everest receivable services Inc keeps calling me and making threats saying their attorney had filed a lawsuit against me for a very old that that over the state of limitations and unlawfully filed a civil judgment against me with out my knowledge and keep calling me from private number and toll free numbers. Using intimidated tactics
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (CA)

Zions debt holdings placed a collection account on my credit report for a debt I resolved years ago with another debt collection company ( XXXX XXXX XXXX ). I never received an email, phone call or letter in the mail from this company for this debt. I am requesting this be removed.
Consumer complaint received 2020-01-17
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: EQUIFAX, INC. (TX)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job
Consumer complaint received 2020-01-17
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)

Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the XXXX hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.
Consumer complaint received 2020-01-17
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. (FL)

Good morning, an account from XXXX XXXX XXXX {$1300.00} keeps showing on my credit report and I believe it to be fraud. I have not had any business with this company nor authorized anyone to use my information to obtain credit and now this negative account is tarnishing my already great credit rating. Please help me remove this account in a timely manner.
Consumer complaint received 2020-01-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (GA)

Radius Global Solutions has been calling my phone everyday! Sometime 2 to 4 times a day from 2 different numbers as early as XXXX and as late as XXXX. Previously, I spoke with them to let them know that I do not owe any monies as all of my hospital debt has been paid to the hospital. However, this company continues to call my phone EVERYDAY from the two numbers : XXXX and XXXX.
Consumer complaint received 2020-01-17
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (SC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!