davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (NC)

I hope you can help! I got a response from the credit bureaus and got a response saying I was a third party and that they want continue the dispute they are stalling! I'm upset because XXXX sending the letters! I'm going to list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

12. XXXX Account Number : XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (MT)

I went to a Mortgage Broker to see if I could get approved to by a house. I noticed that my loan from University Accounting Services was not listed. I called and asked why is was not on my credit report. Both time I tried calling I was told they can not speak to me about my account and to contact XXXX, who is the lender. The second time I called I asked for the contact information so I could call them and they kept repeating " I have no information to give you. '' I have tried looking up XXXX online to find their contact information and I cant seem to find anything. 
On my statement for this loan, the only contact info given is for UAS. At this point, I have no one to talk to about this account. Why would I continue to pay on a loan when I cant contact the lender. I 'm concerned about the handling of this loan.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Good day. Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JH Portfolio Debt Equities, LLC (IL)

I was called by a representative of JH Port Debt ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from XXXX, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only XXXX years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with XXXX, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (CA)

I purchased a car from Honda financed by American Honda finance. Autopay was setup and payment was made. But after few days I noticed there was a late fee on my account and found that the payment were received but reversed. There was no communication on any error from Honda financial on this but the late payment was issued and also reported to the credit bureau. When I called the contact center, the representative said there was a technical glitch on their website and hence autopay was not setup correctly. The representative corrected the autopay setup and the payment was succesfuly made, The late payment was also waived. But they did not update the credit bureau on the correction which had an adverse impact on my credit score.

I tried reaching to the Honda financial regarding the credit correction but they denied. 

Kindly help me resolve this issue. Thank you Here is a summary of the transaction activity. 

XXXX XXXX XXXX  Late Payment Fee Assessed- {$29.00} XXXX XXXX XXXXXXXXPayment Received - Thank You! - {$590.00XXXX XXXX XXXX XXXX Reversal of Payment Made XXXX XXXX {$590.00} XX/XX/ - Payment Received - Thank You! - {$29.00} XX/XX/ - Reversal of Payment Made XXXX  - {$29.00} XXXX XXXX XXXX  - Payment Received - Thank You! - {$590.00} XXXX XXXX XXXX  - Reversal of Payment Made XX/XX/ - {$590.00} XX/XX/ - Late Payment Fee Waived- {$29.00} XXXX XXXX XXXX XXXX Payment Received - Thank You! - {$1100.00} XX/XX/ - Payment Received- Thank You! - {$590.00}
Consumer complaint received 2023-06-14
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: SYNCHRONY FINANCIAL (PR)

On XX/XX/2023, I purchased merchandise with my PayPal credit card ( issued by Synchrony Bank ) for the total amount of {$170.00}. One item for {$30.00} and another for {$140.00}. The seller canceled the purchase for {$30.00} and issued a refund for the same amount on XX/XX/2023. The item, which cost {$140.00}, was returned to the seller and the seller issued a refund for {$140.00}, also on XX/XX/2023. The sum of both refunds is {$170.00}. However my PayPal credit card, almost two weeks later, still shows up with a balance of {$170.00}. This balance must be XXXX as I have two refunds totaling {$170.00}. This unjustified and discriminatory delay by PayPal Credit has caused me great concern and despair.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-06-14
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. (MD)

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 2023-05-02
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I filed for dispute to update address that is my correct address and it did not update or correct it. Also other accounts and collections that have other address which do not belong to me are on my credit report that I would like to be removed because it does not belong to me.
Consumer complaint received 2023-06-14
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX  Debt holder : XXXX XXXX XXXX  Balance : {$950.00}
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I initially contacted the servicer of my primary home, Nationstar, in XX/XX/XXXX for a loan modification. I went through the entire process, was verbally told by the loss mitigation department to not include my husband 's income since he was " not on the loan ''. I had no idea this was incorrect information so I did as instructed. Months went on with lots of back and forth with requested documents, etc. Ultimately Nationstar denied this modification due to lower than necessary debt to income ratio. Basically, because I had not included my husband 's income information even though the bank statements I provided showed income of nearly $ 23K per month, I was denied. THEN, Nationstar sent the denial letter to the wrong address and by the time I found out what had happened, I had lost any right to an appeal. I called Nationstar only to be given wrong information AGAIN! I was told to send in a contributor form which they emailed to me ... ..only this form. THAT was incorrect! Apparently I had to resubmit an entire new workout packet including this contributor form ... .so I keep getting bad information which only further delays the process for month after month after month. On top of that, the interest rates have gone up since then so I was denied by virtue of Nationstar 's error the right to appeal their decision in time AND lost out on the lower interest rate. Per the MHA today, I met the eligibility requirements back in XX/XX/XXXX and should have been approved under the HAMP Tier 2 program. Since that time I have had to resubmit paperwork 3 times, been denied a 2nd time just recently because they claim my home is a " 2nd home/Vacation Rental '' which IT IS NOT! Our home is a duplex, one side is rented out during the ski season to skiers and vacationers, I 've explained this with a letter of explanation, provided luxury bills, explained our tax returns, all at their request and they STILL maintain I do not live here full time. I do n't know what else I can do as I feel like all I do is get the run-around, delays that end up costing ME, the homeowner, for no reason other than clerical errors. I know Nationstar had the correct address back in XX/XX/XXXX because I received statements and correspondence from them to my address between XX/XX/XXXX and XX/XX/XXXX. When the denial letter was sent out XX/XX/XXXX, it was sent somewhere back in Utah.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (AL)

NetCredit didnt report payment plan arrangement agreedment in payment status when they reopen the account after being closed. In XXXX, XXXX, XXXX,, XXXX, when noticed Payment status reported XXXX/XXXX/XXXX late XXXX times total. Inaccuracies in the account close date. ( XXXX was a close date ) until now XX/XX/XXXX listed as a close date now. Payment amount reported XXXX in the payment box a couple months ago, reported as XXXX when the original account was open. The Company made inconsistent reports time after times during my disputes process and has not been resolve since close year XXXX.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint in XX/XX/XXXX. CFPB XXXXXXXX XXXX XXXXXXXX. 
I took out a loan with Wells Fargo Mortgage. We had a high interest rate and tried time and time to do a loan modification. We were denied each time with no reason and Wells Fargo foreclosed on our home in XXXX. 

My complaint was filed because I wanted to know why we were denied time after time. Wells Fargo could not give me an answer. They said they had no records of that which is unacceptable because they had all other records and dates. 

I am asking for the reason we were denied a loan modification. They knew the payment was too high for us and would not help.
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants and Medical Credit Corporation, Inc. (NC)

Merchants and Medical Credit is has continuously attempted to collect XXXX XXXX debts that do not belong to me. I have submitted disputes with all XXXX credit bureaus advising that these accounts do not belong to me. On XX/XX/2017, I mailed a letter directly to Merchants and Medical Credit requesting verification of the alleged debt. I did not receive a response, but they communicated with the credit bureaus. Until this point, they reported the accounts as in collection. After my letter was sent, Merchants and Medical increased the balance on XXXX of the accounts by {$1.00} and listed them XXXX as closed collection accounts. The following week, the accounts are listed as open collections with the balance on XXXX being decreased by {$1.00}. 
Merchants and Medical Credit has failed to provide written auditable proof that either of these accounts belong to me. It seems that Merchants and Medical may not be compliant with the law.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/year> I have filed a claim about a 5 times withdrawal that was not done by me on my account of {$300.00} total of {$1500.00}. XXXX XXXX, an executive officed handled the case. She issued me a temporary credit the day after while they are researching for a claim. The claim keeps on getting denied and the temporary credit was scheduled to deduct on my account by XX/XX/year>. I am ALWAYS stating that I DID NOT DO THE WITHDRAWAL. The only reason for denial is I authorized the withdrawal. Which I did not and that I dont have any atm that has been received on my possession when the withdrawal happen. 

This XXXX XXXX is always updating me about the case until XX/XX/XXXX came and the temporary credit was taken away from my bank leaving my bank to be overdrawn! 

This XXXX XXXX just keeps on prolonging everything and saying she has submitted the case to be reconsider and keeps on getting denied.

The claim keeps on getting denied with the same reason that I authorized the transaction WITHOUT PROVING IT.

I asked XXXX today, XX/XX/year> if they could give me back my money or the temporary credit because they are still reviewing the case right now for 10 days but she refused! She keeps on making me a fool!

I want that {$1500.00} money BACK PERMANENTLY.
Consumer complaint received 2023-06-14
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 errors A 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-06-13
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: CITIBANK, N.A. (AZ)

On XX/XX/XXXX i authorized a payment with XXXX XXXX XXXX XXXX for {$85.00}. 
I keyed in my card number in their website to make the payment. 

During mid of XXXX my credit card was hacked. So i had to request Citibank for a new card. My credit card was replaced ( Replaced card has the same card number but different CVV and expiration date ). 

During XXXX and XXXX, XXXX XXXX XXXX XXXX could not charge me because my card did not go thru. 

On XX/XX/XXXX, XXXX XXXX made 2 transactions in my card for each for {$69.00} and on XX/XX/XXXX i was charged {$74.00} on my Citibank credit card. 

My question to Citibank as well as XXXX XXXX XXXX XXXX was, how can my credit card be charged when i did not give my new credit card details to XXXX XXXX XXXX XXXX. I checked with XXXX XXXX XXXX XXXX  and they still have the old credit card with old expiration date. The transaction should not go thru with old expiration date technically. Citibank is unable to provide an expiration on how the transaction went thru with incorrect credit card expiration date and XXXX XXXX does not want to reverse the charges.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days later, I haven't received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me.