davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (MI)

An Account is not reporting 100 % accurate across through. the Date Opened, Date Last Active and Account number are all reporting wrong. and it has set me back in a major way, I sent evidence on violations they are breaking.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I have auto-debit set up with Mohela that has worked well in the past. On XX/XX/year>, my usual auto-debit payment was withdrawn from my checking account. However, a couple weeks later I got notice from Mohela that my account was Past Due and in Delinquent status. The auto-debit payment was successfully debited from my bank, but did not show in my payment history, not even as Pending or Processing. I called Mohela customer service, it was extremely difficult to get to a human. I had to XXXX " how to get through Mohela phone tree '' to reach an actual rep, which was required in my case because the chatbots could not understand my issue. I waited on hold for about XXXX hours. The customer service rep didn't seem to know what to do, so they said they would start an investigation into this issue. I definitely felt as though customer service did not believe me, even though I said I had a bank statement to prove my claim. I asked for updates about the investigation to be sent to me, and for a way to submit my bank statements. The rep agreed to this. One week later I had heard nothing, so I submitted an email message in Mohela 's internal portal. Another week later, I am here typing this complaint still having heard nothing from Mohela. My bank confirms that the transaction left my account and provided me a trace number. At this point I'm getting Delinquency emails, and my next Mohela payment is about {$500.00} due on XX/XX/XXXX. I turned off auto-debit and am even afraid to pay using Mohela 's system manually, because I can not afford to pay this amount more than once if Mohela loses the payment again. I have lots of documentation I'll be submitting with this complaint. I wish Mohela would address this possible glitch in their payment system, because as a technology worker myself I know it's unlikely to be affecting just me.
Consumer complaint received 2023-03-02
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-02
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. (FL)

Company continues to report information that does not belong to me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts.
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clear Recovery, Inc. (CO)

XXXX XXXX XXXX sent me a bill that generated on XX/XX/XXXX  and I received said bill on XX/XX/. The bill was due dated XX/XX/XXXX  and when trying to make a payment they said they sent my bill to collections. I was up to date on said bill by paying {$670.00}. When talking to the collection agency they said they would not sell my bill back to XXXX and I had not received a letter or phone call stating they had my debt. I was also never given information on what my debt was. I was also told the collection agency had already charged me XXXX dollars in interest before even knowing about my bill going to collections. The collections agency is XXXX XXXX out of XXXX, Nebraska.
Consumer complaint received 2022-11-21
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had a collection that was removed and my credit score should have gone up but it dropped by 50 pts instead. I have and excellent payment history and it should have increased significantly. I believe that Transuinion is purposely keeping my credit score down to keep me from obtaining credit that I should have access to
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting an account on Experian that needs to get fixed. They transferred this account to a collection company I have been working with. This is no longer with XXXX XXXX and needs to be removed as they can no longer reflect the true status of the account.
Consumer complaint received 2023-01-27
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-21
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. (GA)

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


XXXXact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2023-09-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (HI)

Incomm Vanilla Visa 's customer service agent XXXX, employee number XXXX, blocked my replacement gift card without my consent. I called in today, XX/XX/XXXX, to check on the status of my replacement card because I was quoted a seven to 10 business day delivery time frame for the replacement card. Today is the 11th business day. All I wanted her to do was check on the delivery status, but she went ahead and blocked/canceled the replacement card without my authorization. Now I am out XXXX USD for an additional two weeks and, in total, this makes it one whole month of waiting. Incomm owes me a {$500.00} Vanilla Visa gift card because I was initially sold a non-working card. This card did not work when swiped at any register. This is totally unacceptable, unprofessional and highly unethical to make me wait an extra two weeks for Incomm 's employee 's mistake. Incomm needs to train their employees much better. Customer service is extremely terrible and there is no way to speak to a manager.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Good afternoon, My account was abruptly closed by Capital One while always being in good standing. I filed a dispute of charge for an airline cancellation and next thing I know they are closing my account. I have several XXXX deposited monthly into my account and have never had a single problem. There only answer given is that it's a back of the house decision. I have contacted the customer protection department endless times including today speaking with a supervisor who only continues to talk in circles and likely is reading from a script. I feel like this decision was greatly made in error. They also have blocked incoming deposits and froze my money in the account while I was XXXX miles from home leaving me stranded. This to me is abuse by the company and has caused severe stress and anxiety as you can imagine. My last interaction is today XX/XX/XXXX at XXXX EST with a supervisor via XXXX consumer protection department. The relationship was abruptly ended on XX/XX/XXXX Email sent ending relationship copied below:XX/XX/XXXX Important Information About Your Account ( s ) Re : Your account ( s ) ending in XXXX XXXX XXXX , Weve decided to close your account ( s ) ending in XXXX because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. 



Your balance and any interest earned will be transferred to your linked external checking account within XXXX to XXXX business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within XXXX to XXXX business days. 



If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. 


If you have any questions, please call us at XXXX, XXXX XXXX XX/XX/XXXX ET, XX/XX/XXXX days a week. 

Thanks, Claims Support Center Capital One Member FDIC Products and services are offered by Capital One , N.A., Member FDIC. XXXX Capital One. 
*Note : Email is not a secured method of communication and Capital One makes no representations or warranties about the safety or security of any email you may send to us. Please ensure all personal information such as account numbers, social security numbers, etc. are removed from your response and/or documentation*
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I just leased a car in XXXX  from a Toyota Dealer ( XXXX ). Then the company did not share my credit report. One week later, I received a letter from XXXX XXXX XXXX. The credit report was obtained from Experian. I did not think the report was reflective of my financial credit stance. I attempted to call Experian as was suggested in the letter by XXXX XXXX XXXX. The toll free number ( XXXX XXXX XXXX ) responds with a prerecorded message. The recording provides no option to dispute the score. The recording has two options : to order a report and to report a fraud. It keeps suggesting that it understands that I wish to speak with a person. Yet there is no option to speak with a person or any connection is provided as the next step. 
At the end, it is a dead-end. There is no way to figure out why the score is not reflective of my credit stance. Nor is there ability to speak with a person to get the score corrected if there is a mistake. I believe the toll-free number is there to order a report or file fraud complaint without any human interaction even though XXXX XXXX XXXX XXXX their letter states that I can contact Experian through the phone number provided if there is inaccuracy. 
The upshot is that I feel there in inaccuracy in the report and I can not reach the company to discuss the issue. 
I feel that the public is snowed with their set up.
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (AZ)

your company has broken the law, they have furnsihed my information without my consent I am cease and desisting all illegal activity as they have violated 15 usc 1692c I am well aware of my rights as a consumer and I am ceasing all mediums of communication and that includes that through my consumer report or any other tactic to attempt to collect information, If my case is not taken serious I will hold all parties involved civilly liable in pursuant to 15 usc 1692k as they have caused mental distress and marital instability with me and my partner, I demand a deletion of these accounts From my consumer report at once.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Reporting Agencies is reporting a late payment for XXXX XXXXXXXX XXXX and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I was tenant at XXXX in XXXX XXXX  XXXX from XXXX, XX/XX/XXXX to XXXX, XX/XX/XXXX. I have tried multiple times to get this debt removed as I dont own this debt. The problem is that when XXXX was transferring management it happened to be the same month I was moving out ( XX/XX/XXXX ). I reached out multiple times to make sure there was nothing I needed to do and they said everything was good. On XX/XX/XXXX I had a impact to my credit and attempted to dispute they declined so I went to XXXX and advised I never had debt with them and everything was paid off. They advised I didn't put my 60 day notice but I had a email ti back me up they said they would look into it and get back with me. After the 2nd attempt with XXXX they were able to provide me a breakdown of the debt : past due rent, damages, and internet past due. I never once got any notification of this debt where I provided my forwarding address and email. It went straight to collections and is affecting my credit and preventing me from buying a home. When in fact I have always paid all my bills and taken good care of my credit. I tried to go to the XXXX and explain the situation where they would ignore me even tho I showed the proof of every payment and videos. The assistant manager had no other choice but to get the regional manager involved and would reach out to me. XXXX stated theres nothing we can do, that is what avion left. They in fact didn't reach out but when I called back they advised me regional manager said to contact the XXXX XXXX. I attempted them multiple times as well and nothing. I got confirmation from XXXX as well since they are my current providers that the balance was {$0.00} on there end as well. Below I attached certified mail, letters and bank statement to confirm everything I have tried. They need to remove this debt and stop having be go in circles with the same answer pointing fingers while I am being defamed and unable to purchase a home. I am mother and I work very hard not being able to purchase a home for my daughter and having to move back in with my parents has affected my mental health. Its really sad to see my credit being affected for something that is not true. The XXXX needs to be looked into because I am not the only person I attached other people that are having the same issues, I wouldn't be surprised if there are many more people.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 8th 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 alleged fraud or extortion. 
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 : {$19000.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account is reporting different balances, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. It is illegal to report inaccurate information on a consumers reports and I am requesting that this account is deleted from my reports now!