davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2  ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX 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 XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2021-05-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I purchased a new car from XXXX XXXX XXXX in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to XXXX by the XXXX. I went to the dealership who told me that XXXX would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a XXXX point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.
Consumer complaint received 2021-05-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a letter to XXXX, XXXX, and Experian on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (UT)

BBVA transferred all Simple customers over to BBVA accounts on XX/XX/XXXX. It's now XX/XX/XXXX and I am still unable to access my account. I've been locked out for a week. I've tried calling the customer service line and simply get put on hold for hours and then get hung up on. They offer no other options for resolution. I now have no way to access my bank account to see my balances or use my funds in any way other than by swiping my debit card. 

It's pretty shocking that BBVA has been able to get away with such a terrible handling of a major transition. That's a lot of people 's money that they're messing with.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I called my credit card company ( XXXX XXXX XXXX ) and asked what was going on because I see on my credit report that the company has me in collection. I stated to my card company that I do not have a balance on my card. The CSR looked into my account and stated that my account was not in collection and there is no balance. I asked why was it showing their name and the CSR stated there was not anything in the system showing other than my up to date card with no balance in good standing. I then hung up and called the company Portfolio Recovery. I explained to them what I told my credit card company. They looked into their database and said they see a credit card with my name on it. I told them I only own one card and it is active and in good standing. I also informed the company that I am a victim of identity theft and that someone open an account in my name. They kept insisting that it belongs to me when I told them I call the credit card company and they have no knowledge of it and I have a card with the company for several years in very good standing and no balance. This portfolio recovery refuses to listen or remove the account regardless of how many times I dispute this account.
Consumer complaint received 2022-11-02
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. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2021-05-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

LENDER : COUNTRYWIDE HOME Loans, inc XX/XX/2003 WE WERE PROMISED {$10000.00} FIRST TIME BUYER 'S ASSISTANCE INSTAED WE GOT {$10000.00} IN SECOND MORTGAGE Type of loan FHA It was our first home mortgage my wife and I. I were supposed to be given first time buyer 's home assistance down payment, but instead we were given a loan with ballon payment for the amount of {$10000.00}. We were assured that the we will not have to pay this amount as long as the property is under our names.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

LVNV Funding LLC Collection Opened : XX/XX/2019 Loan Amount : {$820.00} Loan Amount : {$1100.00} This collection account does no belong to me. I have reached out to LVNV Funding LLC/Resurgent twice already to dispute the collections. They have refused to remove this collection from my credit report. They said and I quote that my dispute was " frivolous and irrelevant and that it will not be investigated. '' I've sent validation letters asking them for them to provide a copy of my signature validating this debt. They were no able to provide me with any contracts with my signature on it, no paperwork at all.
Consumer complaint received 2023-07-31
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: EQUIFAX, INC. (GA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2021-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

PayPal blocked my account for no reason and will not help me with getting it back. 

It has to be a mistake since I didn't violate any of their rules. I have not been able to get help from them. They simply won't tell me what the reason is, they don't reply to emails and they are holding my money. 

I'm filing this complain because I feel they are not doing their job properly and it is affecting me. I have been a costumer for more than 12 years and for no reason they are treating me like that. If they don't want to do business with me that's alright, but they are holding my money. 

XXXX XXXX My account : XXXX Thanks for you help.
Consumer complaint received 2021-05-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Transunion on my XXXX XXXX wrongfully changed the reporting of my account from paid late 120 days off to a collection/charge off. My credit score dropped XXXX points on XXXX. The company has not corrected this yet. I would like this account to be removed. This was a XXXX XXXX XXXX with XXXX  XXXX XXXX XXXX WA. This campus was closed down.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (PA)

Long story making sure I Filed a fraud dispute on my synchrony bank XXXX credit card There was XXXX they were from XXXX eats first of all I wasnt even notified by my credit card company that my account was being charged most credit cards give you a heads up of some type of transaction history visa XXXX  credit card synchrony bank Fail to let me know that there was transactions on my card.. but I found my dispute I received a letter from synchrony bank telling me that my claim was refunded and I should receive the refund within 5 to 10 days I also received an email from XXXX eats letting me know that they were going to refund me the money as well XXXX Visa did refund me but then they took the money back And I have never received a refund from XXXX eats like they told me but they have my old card on file which is now canceled I have screenshots and emails from both parties agree to give me the money back and they never did
Consumer complaint received 2017-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I spoke to Navient  XXXX / XXXX / XXXX  because I am currently in a income driven plan for 12 months which ends on  XXXX / XXXX / XXXX . Was calling for an extension. My {$44000.00} taken out in  XXXX  is now {$110000.00}. I currently pay $  XXXX /month. They want to take my payment to {$480.00}, however the current payment is difficult but I am swinging it. There is no way I will be able to pay that and my  Federal Loan is coming due as well. They have no other options for me and was advised if I do not t ake that I will end up having to pay $  XXXX /month.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX reported to the credit bureau that I made 3 payments that were past 30 days. 
This is wrong as it was during Covid in which the company allowed me to defer my monthly payment. 
I spoke to the customer service person many times during that period ( XXXX, XXXX, XX/XX/2020 ) and they reassured me that I didnt have to make my standard monthly payment. 
I then see they reported me late for those 3 months. Those 3 delinquencies lowered my score by almost XXXX points. 
I tried calling XXXX to ask them to reverse this but apparently they have taken no action. 
I have 100 % on time perfect payment record on all other accounts except those 3 and its very frustrating as you can imagine. Especially now that Im looking for a mortgage as a first time home buyer.
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (TX)

I was harassed every single day of the week in XXXX-XXXX  of 2021. This company constantly called me, left me messages, and pushed me to pay off a debt I was/am unable to pay. The debt collector is CRME Financial Services and the amount owed is {$840.00}. I was XXXX during the duration of COVID-19 and had/have no sources of income whatsoever to support paying off this debt. I also had to relocate/move my home due to COVID-19. I lost a lot over this last year and being harassed was not fair to me whatsoever. I disputed the account through XXXX XXXX and XXXX, stating it was a HIPAA violation, and nothing was resolved. I could really use some help with this. I am just doing my best to get back on my feet. Thank you.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECIEVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATIONS RESULTS.IT HAS NOW BEEN OVER 30 DAYS AND ALSO I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVE ANY RESPONSE. 

INTIAL DISPUTE DATE XX/XX/2021 30 DEMAND DATE XX/XX/2021
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (MI)

My name is XXXX XXXX, I am writing to complain about Santander Consumer USA ( auto loan lender ) .I was late on my car note from XX/XX/XXXX to XX/XX/XXXX, so I have eleven late payments in total that reflect on my credit report. At the time I had lost my full time job and I had to depend on other people to help which was not a consistent thing. By the time I was able to make one payment, I was already behind the next and the late fees kept building up & it went on that way for months. I was struggling to support me and my daughter to keep the lights on, so I had to prioritize what was needed first. I am back on my feet and I'm very stable with my finances, but these late payments are prohibiting me from obtaining a home for me and my daughter. I wrote Santander Consumer USA a few goodwill letters asking to please remove some of these late payments and I'm assuming I'm either being ignored or denied because I've yet to receive any correspondence from them. I sent a letter in XX/XX/XXXX and XX/XX/XXXX, I don't have the letters to attach because they were hand written.I feel like Im at a dead end with this situation, and I'm not sure what I can do next. I am hoping that someone from the Consumer Financial Protection Bureau can please help and assist me with this matter. 

Thank you.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

In XXXX, I realized that there were some atm withdrawals from my Chase bank account at chase in the amount of {$7000.00}. I called XXXX on XXXX when I was gon na buy a nice gift, and I saw there were insufficient funds. So I saw atm withdrawals and other unauthorized charges. I had used the card for XXXX and such and I had no idea this happened. I also need the {$24.00} in fees refunded. There were also fraud alerts and I said I never authorized the charges and called and the agent said they think its fraud. I even filed a police report and everything and they still want to hold me responsible. By the way, they need to remove my name from any consumer reporting agencies they reported me to.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (PA)

I missed 2 months during my loan term with Mariner finance they threaten me with court so I made An arrangement to get caught up then was back paying on time ended up paying the loan off a whole year early they still charged me what would have been the whole term which I dont understand that I paid XXXX a month for a whole year an the pay off was XXXX? MAkes no sense now its on my credit report as potential negative thats a smack in the face when I paid this off a whole year early I need this off my report IMMEDIATELY I cant not even move into a decent apartment because this negative mark when its not negative it was NEVER IN COLLECTIONS!! Its showing XXXX negative an then closed I want this removed immediately this has been paid off since XXXX of last year
Consumer complaint received 2021-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased an a new 2015 KIA XXXX XXXX. I had FULL COVERAGE AUTO INSURANCE thru XXXX. The financing company isKMFUSA.On XXXX XXXX i had an accident. XXXX deemed my car a total loss. a couple of days later. 
KFUSA sent XXXX a letter of guarantee with incorrect amounts. XXXX contacted KMFUSA for a corrected ltr of. guarantee KIA FINAN CIAL KMFUSA has not followed through on MULTIPLE OCCASIONS.

The total loss dept at KMFUSAis a highly protected dept where I can not contact them directly. I have emailed them and have had NO SUCCESS.
Consumer complaint received 2021-05-14
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. (FL)

Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (FL)

Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland credit collection agency has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, midland credit has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for midland credit to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (CA)

There is a credit inquiry on my XXXX report that I have never seen and did not approve. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2021-05-14
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. (NY)

I previously notified the bureaus that I am a victim of identity theft. in response to them, I XXXX XXXX do give authorization again, which i already did before.. I am not a third party, I am a victim of identity theft.
Consumer complaint received 2023-07-31
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. (MI)

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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2021-05-14
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. (TX)

I sent a complaint for EXPERIAN, in response to Experian, i did not accept anything or any goods, because these items on my credit report are not mine. these are on my credit report in error. I AM A VICTIM OF IDENTITY THEFT