davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  Balance {$4500.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (TX)

we got behind while I had to change jobs during XXXX. we got with the finance company and split the skipped payment up over the next three months with no late fees. we were told by the original payment planner that it would not go on our credit if the payments over the next XXXX months were made on time and increase by XXXX % to cover the missed payment. we did that and never had an issue or call from the mortgage company. was not aware this was on our credit report until we filed for an XXXX loan XXXX weeks ago. XXXX loan pending removal of this transaction.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month 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 included 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 2024-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (SC)

Credit account was created under my name for a company that I have never done business with XXXX XXXX XXXX ) using a fraudulent address in a city and state ( XXXX, NC ) that I have never resided in. Radius Global Solution is the company which is attempting to collect this fraudulent debt amounting to {$5500.00}. I was notified of this debt on XXXX.com on XX/XX/year> and never received any physical nor electronic mail at an address which I have currently nor previously resided nor an email account which I currently nor have ever used.
Consumer complaint received 2023-03-14
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

According to 15 USC 1681. 
I DEMAND THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT THE INFORMATION LAST PAYMENT DATE IS DIFFERENT ON EACH CREDIT REPORT ( XXXX ) ( TRANSUNION ) ( XXXX ) BY LAW ALL INFORMATION HAS TO BE 100 % ACCURATE XXXX XXXX XXXX.
Consumer complaint received 2023-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (TN)

When I called in XXXX to set up my default recovery where you pay 9 months of on-time payments, the agent specifically told me that once I made the 9 perfect payments, I'd have the same rights to place the loans in forbearance or whatever suspension of payments that federal loans or guidelines allow. Now, I don't know if this was an Heartland ECSI agent or some third-party collection agent telling me this ; either way, there's a recording out there of my call since I made voice agreements to the default plan. 

Since I got myself out of default on previous loans around XXXX and have federal students loans, I know the forbearance and deferment rules. 

Fast forward to XXXX, I was able to place my loans in General Forbearance while I wasn't in school, after they went back to payment status, post COVID-19 Pandemic. Once I began school back at XXXXXXXX XXXX to finish my Master 's in XX/XX/XXXX, I had my FA Advisor, XXXX XXXX fill out an In-School Deferment and sent it to ECSI. That's when they denied it saying my loan type only allows General Forbearance. I'd never heard of that until that point. I believe I called ECSI about this, but I can't remember. This is the same school the private student loan was issued. If this loan type only allows General Forbearance, why would the same school 's FA Advisor fill it out for me? Why not tell me In-School Deferment isn't allowed for my loan type? 

Since then, I've tried researching how to file a complaint for misleading and giving inaccurate information to a loan holder back in XXXX. I've had Long-COVID issues where I've been to the doctor a lot, so I was having a hard time finding complaint information. I filed a General Forbearance, and then they again denied it because they said it was in collections. I know no rule that say it can't be put in forbearance if it's already in collections, but not yet officially in default.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

EXPERIAN INQUIRES 19inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2024
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MA)

Torrid credit card not mine, dont know who they are. Opened XXXX never paid {$350.00} XXXX opened XXXX owed {$1400.00} XXXX XXXX opened XXXX owed {$590.00} These do not belong to me all my other cards were paid off and on time
Consumer complaint received 2024-05-22
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paypal Holdings, Inc (TX)

Venmo Hello, I was threatened today by Venmo they would seek a debt collector on me to pay an outstanding balance. I fell for a XXXXXXXX XXXX scam. I contacted Venmo and my local credit union to stop payment once I realized it was a scam ( total sent {$400.00} ). My XXXX  was great and stopped payment right away. Venmo, despite being notified within 15 minutes said they investigate it. They proceeded to deny my claim of fraud and said they would freeze my account until the payment was made. I made peace with it and moved on. Today, about 3 months later I was called by a representative who said failure to pay would result in a debt collection agency coming after me. 
They were told it was a scam payment, they were asked to freeze the transaction before completion, they failed to act and say I am on the hook now. I do not believe I should be liable for their failure of action.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OK)

Hello, I recently tried to prequalify for the XXXX Care Credit card through synchrony bank. I filled out my information and got to the last part to submit it, next minute I knew it impacted my credit causing a hard inquiry.. I go back to synchrony to ensure I was on the prequalification application but I was stunned to notice that the prequalify link takes you to the actual application causing the had inquiry on my credit report. Clearly this is a mistake by the bank, and I ask them to remove the hard inquiry as it was meant to be prequalification. I have the video to prove the link is broken for that credit card, and that it works for another credit card on their webpage. This is highly unacceptable. I shouldn't need to be cautious of the links I press to ensure that they aren't going to run my credit.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Bought a XXXX from a XXXX XXXX on XX/XX/2024 through the university for {$30.00} instead I was charged XXXX and over charged. I was not given a receipt, called the university, however, due to the nature of the event they don't have a record of all purchases made on that day. Called Chase bank let them know the situation and they mentioned I needed a receipt, I mentioned I don't have a receipt because of it being a XXXX and they weren't giving receipts. They did not proceed to help me. I've been double charged before and never needed to provide a receipt until now.
Consumer complaint received 2024-10-07
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: CLGF Holdco 1, LLC (FL)

Hello, I received a copy of my credit report and an writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Credit card from FEB DESTINY Bank I am a victim of identity theft and Ive never applied or had an account with you guys, I've been in the hospital/recovery home for over an year trying to learn how to walk, and stand, and eat and drink I got into an horrible accident. this isn't me and I would like this removed this is unfair how someone got my information I have add security locks and added a lock on my credit.
Consumer complaint received 2024-09-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MN)

I WANT XXXX TO STOP REPORTING ; TRANSWORLD SYSTEMS AND XXXXXXXX XXXX XXXXXXXX AND ANY OTHER DEBT ON MY CREDIT REPORT WITHOUT A DEBT VALIDATION CLAIM.THAT IS, 1.DETAILED LIST OF PAYMENT HISTORY ON THE ACCOUNT 2.ORIGINAL SIGNATURE THAT I AGREED TO ON CONTRACT FOR THESE CREDITORS 3.HAS THERE BEEN ANY INSURANCE CLAIM FILED ON THIS DEBT 4.CHAIN OF TITLE THAT YOU HAVE TO COLLECT ON POSTED DEBTS FAILURE TO DO SO UNDER 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT SAID CREDITORS MUST PROVIDE THIS INFORMATION IN WRITING WITHIN 5 DAYS, OR THESE NEGATIVE ITEMS MUST BE DELETED FROM MY REPORT.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This has been an ongoing issue with Transunion and the refusal to delete an account, the reinsertion of an account which violates the FCR, and allowing XXXX to reage an account. I'm entitled to {$1000.00} per violation and ir should be enforced or forwarded to the correct agency that will enforce such heinous violations. CFPB will see that I have made numerous complaints and filed numerous disputes and Transunion has failed delete this account and I have been denied home loans and other forms of credit. If Transunion continues to deny me monetary compensation I will be forced under the FCRA to sue for maximum damages which includes attorney fees. From XX/XX/XXXX until XX/XX/XXXX Transunion has continued to report inaccurate information in regards to a XXXX account which appears on my credit report. I will show I have made numerous call6and I've spent over 300 hours trying to get this account validated and deleted for it's inaccuracies. I will show that I have filed numerous CFPB complaints and Transunion responds with the same computer generated response and refuses to pay monetary damages. I will show that I was willing to settle for {$25000.00} which was reasonably and Transunion refused and never contacted me to settle. Transunion needs to delete this account and pay me {$1000.00} per violation as a deletion can't undo the damage that has been caused by Transunion failure to correct my credit report. Each month Transunion has allowed XXXX to report this account should be deleted in XXXX which is inaccurate as it's the first date of delinquency which according to the report is XX/XX/XXXX. I have asked for validation of debt and I've never been provided with proof and I've submitted proof that XXXX couldn't provide validation. I have proof this account was deleted and reinserted without proof or cause. Transunion needs to be held accountable and pay me for this continued violation. Transunion has a last payment date of XX/XX/XXXX which is inaccurate and another violation. I'm willing to settle for monetary damages along with deletions per FCRA to avoid going to court and Transunion paying attorney fees. I have also asked Transunion to delete inquiries that I don't have any knowledge of and they have refused. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Per FCRA Transunion continuing violations are not in accordance to the law and the inaccurate reporting at {$1000.00} per violation constitutes at the minimum of XXXX and the maximum of XXXX per month and I'm entitled to compensation and it must be enforced.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Me and XXXX XXXX were divorced in XXXX, and property located at XXXX XXXX XXXX was awarded to him by court order. USDA refuses to remove my name from this loan, even after given court documents. I have no lived in this home in over 20 years. XXXX XXXX has maintained that home, himself, and has made all payments toward that home since its purchase. I have had absolutely no connection or responsibility for that residence since XXXX. This action, by USDA, has deemed me unable to purchase a home of my own due to the attachment of my name too this residence. I have a court order stating that all responsibility for that home is XXXX XXXX 's, solely.
Consumer complaint received 2024-05-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/year> a merchant ask for a pre-authorization for a transaction. They never followed through with the processing of the transaction and it fell out of pending. Out of nowhere it came back and charged to the card which caused the prepaid card to be overdrawn. When I called about the transaction I was told that my account was permanently suspended and closed. I asked them why they did that to me and the response was I can write a letter and get a response within XXXX to XXXX days as to why they closed my account on me. I explained to them I have had this account for over XXXX  years in my direct deposit goes to this account and there is not enough time to change my direct deposit. I was told right the letter and you'll get an answer within XXXX to XXXX days that is not giving me any information at all
Consumer complaint received 2024-01-28
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Filed a complaint and charge back with Bank of America about a XXXX  charge on a XXXX branded Credit card through Bank of America. Instead of requesting or providing and information they simply closed the dispute. Then tried to bully me by saying that the vendor can come after me other ways. 

Based on the lack of products and services I did not receive as outlined in the product list we are disputing {$3400.00}.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (GA)

VALIDATION AND CEASE AND DESIST Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Navy Federal Credit Union XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (SC)

XXXX interest and fees are XXXX payed the account off and they took my credit limit form XXXX  to XXXX that is not good business i paid off the XXXX balance and the fees were so high it ate my payment of XXXX