davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

This dispute communication is being made under the Fair Debt Collection Practices Act, to notify XXXX of the fraudulent information added to my credit report. 
Transworld Systems Inc./ Account Number XXXX in the amount of {$170.00} has been falsely added to my credit report without my prior knowledge. I do not and have not ever had an account with Transworld Systems Inc. 
I spoke with XXXX Representative XXXX on the morning of XX/XX/XXXX, concerning this matter. Following a conversation with XXXX, it appears XXXX purposely sold this account information Transworld Systems , Inc on XX/XX/XXXX because this account would have dropped from my credit report on XX/XX/XXXX. Transworld Systems Inc. reported to XXXX on XX/XX/XXXX. 
I did have a 2-year promo Internet/Cable account with XXXX from XX/XX/XXXX. The XXXX equipment was personally returned to the XXXX XXXX, MD store on the evening of Thursday, XX/XX/XXXX. I spoke with the young gentlemen working at the store who received the returned equipment and closed my XXXX account. The store clerk assured me at that time, the return would be recorded accurately in an effort to avoid the price increase monthly charge from {$100.00} to {$170.00} following the promo. I admittedly had concerns when I returned the equipment, it appeared the staff had already begun the XX/XX/XXXX celebration and work was not the foremost in their purview. 
Going forward it appears the equipment was not logged back into the system until XX/XX/XXXX, consequently generating an additional month of billing at the rate of {$170.00}. I reached out to XXXX in XXXX to have the error corrected ; conveying I personally hand delivered the returned equipment verses mailing the equipment to avoid generating another months bill. The explanation by XXXX for the delay in recording the returned equipment into the system was due to the XX/XX/XXXX, holiday. The situation resurfaced again in XXXX, which I addressed once again.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

catagory needs to be ''CREDIT REPORTING FRAUD, LYING '' AND THIS IS NOT THE SAME COMPLAINT SO I AM REPOSTING IT, BY THE WAY ITS OVER 2 MONTHS SINCE RESPONDED TO SO WHERES MY XXXX, XXXX CRIMINALS PROTECTED BY THE CFPB AS USUAL, THERE HAS NEVER BEEN ANY VALIDATION OF PROOF OF ANY DEBT, A STATEMENT IS NOT A DEBT, A ''BILL '' IS A DEBT AND SHOW ME THE ORIGINAL INSTRUMENT, THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX [ XXXX XXXX XXXX XXXX ] XXXX IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF  ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/year> as Apple Card GS manager actually reached out to me. We again we arguing about the error I am trying to establish and they again denies it all claiming its accurate. After months gone by of me asking for investigation the manager ask me to provide proof. I advise I will and I did partially on the phone but Apple GS will just continue to play XXXX and drag out the process as they are not the one being XXXX with credit reporting. I requested to get a payment or settlement on my account and was informed he needs to transfer me to collection. after 30 plus minutes of essentially beating a dead horse wasting more time of mine. I was transferred to collection dept. After some significant time having them explain their program and what the program accomplish I ask for a settlement option. I was told she needs to transfer me to their other department since she only can offer me payment options. I was than transfer to another department that handles closed account. I spoke to the person and as usual with the circus of a bank, tells me my account isn't closed and she cant help me. I ask what if I closed the account? she replies " your account isn't closed so I cant help you ''. She transfers me back to collections again and again the person comes on and asks me for my name, social and birthday again!. Here I am the same person on the SAME CALL being ask my name social and birthday again and again. Transfer from one department to another department to the department supposedly I need BUT as usual, ITS NOT and they CANT help me. Apple GS continues to waste my time and making things hard to accomplish and difficult so they can continue report your account late. 5 that is FIVE months later they are asking for me to provide more proof when they can easily contact the bureau and who THEY REPORT TO and ask for records of when they did something. I just TRIED to pay them and they made it impossible to. 55 minutes AGAIN today 4 departments later and NO ONE KNOWS WHAT TEHY ARE DOING. it's like little kids in kindergarder, no he is it, no he is it, no he is it. They also purposely left my account open just to be able to do more damage to my credit.
Consumer complaint received 2023-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Please see acknowledgment of no notification of the modification in XX/XX/XXXX. I never requested a modification in XXXX, ; I complained about the closing disclosure being changed at the closing table. Please see there are several contradictions in wells fargo responses and documents. Please see the title clearance and modification. please see the denial of the modification. I never received any noticed the modification was denied. I called for an update and received that message. I was told to make payments for months. I made all payments with a little extra. but, was ever notified about the denial. please see payment history attached. please see wells fargo telling me I must submit income in order to be considered for a modification. although they stated they did not require. payments changed due to and escrow overage and I've been paying more than the balance due. what happened to the money why did the payment go up again.
Consumer complaint received 2024-01-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Prosper Marketplace, Inc. (MD)

XX/XX/year>, I received an email from XXXX which is some kind of financial bank business that stated that I was not approved for a loan that I applied for. The email had information pertaining to my credit that was not true. I did not apply for an equity line of credit loan from this company. I called them to inform them about this email and they attempted to get additional personal information from me to inquire about the loan. I explained again that I did not apply for a loan and will not provide my social security and date of birth. They would not give me any information to report this as a fraud through their company. they just aggressively tried to get more personal information to process an inquiry. I am attaching the email as documentation which seems to be a phishing scam to get the recipient to give additional information and run an inquiry on your credit. I checked my credit report to be sure and there were no inquiries from XXXX.
Consumer complaint received 2024-01-08
Product: Credit reporting 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. i HAVE ALSO REACHED OUT TO ALL 3 CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation (OH)

I called asked why payments were so high on loan there are things im paying for i didn't approve for on my loan. Also paying a very high interest rate on the loan. Doesn't seem like as XXXX  paying its knocking down the loan its all going to interest which is destroying my credit and not helping me also I was unemployed and was forced to pay with out a job borrowing money or having them trying take my car. Now I'm employed but can't afford XXXX  loan payments and not being helped by the company to lower my payments or anything to meet my payments standards. Which to me is bad business which is why I want reimbursed and the loan forgiven on my behalf.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/XXXX  I noticed a promotional balance had not decreased with a recent payment. I sent a message through the website message center. I received am E-Mail reply the Company received the message and would review. Possibly 1 week later I received another message a reply had been sent. The message portion of the website no longer works, as in all messages to the company and from the customer are no longer visible once posted to an account. I have informed them of this every time I contact them about applying payments incorrectly. 
Eventually I receive another message and link to a form letter and I see promotional payments corrections, credits and debits on the account. 
Then the next payment I have to go through the whole process again. Today is the fourth time I have contact the company about misapplying payments. The credit card agreement is for all payments to be applied to Promotional balances first, then once paid off, apply payments to standard purchase balances. I had a XX/XX/2023 promotional balance the company hadn't paid off in XX/XX/2023 and I posted $ XXXX {$600.00} payments monthly. Today I found a {$300.00} promotional balance not paid off by my {$350.00} payment and the {$49.00} balance not applied to my next in line promotional balance of {$320.00}. All I continually ask is that my payments be applied according to the XXXX XXXX  Credit Card Agreement rules. In addition, there is a section of a Standard Purchase amount that I questioned, it and the designation of terminated status on a larger amount. I asked what this meant and an explanation, but not until today 's message. I have not yet taken the time to call the company. I did inform them if this continued, I would file a complaint. I added attachments and can add more showing different screenshots. if needed.
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Before XX/XX/2018, I have paid additional {$200.00} payment to my account. The way they handled the over payment was applying the money toward the fee and interest first, whatever leftover applied principle of the loan, instead of apply whole {$200.00} toward principle. It is not like other loans that allow us to pay additional amount toward principle, which make me uncomfortable about it and feel unfair. It does not help me to pay off the loan faster. Also, they already charge us interest and fee, why the over payment still goes toward fee and interest first? And they don't the option that we could direct the over payment directly to principle without applying to fee and interest.
Consumer complaint received 2024-01-20
Product: Credit reporting 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. (FL)

My information was sold and bought illegally besarse i was a victim of the Equifax data breach. I want these items delected from my Credit reports efectivo immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these ilegal accounts from my Credit reporte. List all those negativo accounts from your Equifax Credit reports. Account names and account numbers and file complant with the CFPB..
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

here is 100 % evidence of corruption and fraud by transunion I paid off {$9000.00} on my debt huge amount bringing my debts to XXXX {$0.00} Transunion corrupt fraud credit score only added XXXX points on my score LOOK AT IMAGES Transunion further evidence of their corrupt fraud. 1 company made 1 inquiry on my credit and XXXX points XXXX debt paid XXXX points XXXX inquiry XXXX points YOUR CORRUPTION DOCUMENTED Federal govt OIG needs to investigate and pursue action against Transunion
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (AZ)

Called credit bureau and asked for verified proof debt was mine. Several calls and emails they refuse to give me the information but stated they did verify debt. Contacted the company the debt is through, XXXX. Called 4 times, I was hung up on every time. The 5th call I finally spoke to someone who said that they dont have to send me anything and that they will be sending me to collections. After repeated attempts, I have still received nothing from either the credit bureaus or XXXX. Now I have been sent to collections, a company called MRSBPO. Spoke to them and told them they can not collect until I get proof the debt is mine. Just received a bill with no proof. It states I have until XXXX XXXX to request proof of debt or I assume the debt is mine. Again, I have asked several times and they are still showing late payments on my credit and still have not sent me any proof of debt.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

On XX/XX/XXXX I tried to open a XXXX checking account and was told they could not open it because chexsystems was frozen. I told them I have never frozen it so they called chexsystems and they said it was not frozen to try and pull again. They did this again and it came back again saying frozen. On XX/XX/XXXX again XXXX tried again to pull my report and it came back saying chexsystems is frozen. We called again and was told it is not frozen. Chexsystems told them to pull it again and they tried again and was still showing frozen. I ordered a copy of my report and called in and was told again it was not frozen. I have never had a problem in my life opening a checking account and now I have 4 XXXX inquiries I want removed because all 4 times chexsystems said it was frozen. On the back it says XXXX XXXX frozen. Yes I did freeze that but not chexsystems. It was frozen because of the breach XXXX XXXX had. I would like that removed from my chexsystems report as that is coming through to banks that I have my chex report frozen which I do not and never have. Dl number is XXXX ss XXXX
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX # 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. These accounts are not mine no payment history nothing.
Consumer complaint received 2023-06-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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)

I have become a victim of identity theft. I contacted the Federal Trade Commission & credit bureaus XXXX, transunion, and XXXX and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this complaint and has been Faxed and mailed via Certified mail to the credit bureaus XXXX, transunion, and XXXX. 

In addition, I demand the following fraudulent accounts be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.