davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
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. (FL)

CRA continues to verify incorrect information on report. The account in question shows account type as " open account '' yet account stats as " closed '' the balance is incorrect as well. It shows an original balance of  XXXX  but a past due balance  XXXX  I have disputed this twice and yet they continue to report erroneous and incorrect information.
Consumer complaint received 2023-04-12
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. (NC)

I pulled my credit report and learned that my personal information was used to open account # XXXX at XXXX XXXX, XXXX. I am an identity theft victim and filed a report with identitytheft.gov, filed a police report, sent a letter to XXXXXXXX XXXX Fraud Department, as well as all 3 credit bureaus. I included the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA ( Refer to duties when ID Theft Occurs ) and according to the law 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] the CRA shall block the reporting of any information that resulted from an alleged identity theft and there should not be any damages on my credit reports according to 15 U.S.C. 1681.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lamont, Hanley & Associates, Inc. (RI)

Received Letter dated XX/XX/XXXX from LAMONT , HANLEY & ASSOCIATES a debt collector for an alleged debt of {$230.00}. Original creditor is XXXX XXXX. First and foremost, this is a violation of XXXX and disclosure of my XXXX. Also, its a violation of my privacy per the Privacy Act of XXXX. Which was violated once XXXX XXXX shared any of my personal information with XXXX. Nor is there a contract between myself and LAMONT , HANLEY & ASSOCIATES. There are also other violations of Title 15 listed below : 1692b ( 2 ) False representation. All caps name, stating consumer owes debt ; 1692b ( 5 ) Using a symbol on any correspondence ; 1692c ( a ) Communication without prior consent ; 1692c ( b ) Communication w/ 3rd parties ; 1692d Harass and oppressive use of XXXX  about alleged debt ; 1692d ( 2 ) Obscene/profane language accusing me of owing an alleged debt ; 1692e Using false, deceptive or misleading representations ; 1692e ( 2 ) ( A ) False Representation ; 1692e ( 10 ) False deceptive means to collect a debt ; Each of these violations carry {$1000.00} fine.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

My ex-husband, when we were separated, used my information to obtain credit cards and use some of my long standing cards. This continued for several months after the divorce was finalized before I realized what was happening. 

I have disputed these charges with the credit card companies, but they refuse to remove them from my credit profile and have allowed debt collectors to purchase some of the debt. 

I need these derogatory accounts removed from my credit profile and association with my name. 

Thank you.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Paypal Holdings, Inc (MO)

Issues with VENMO ; I filed a dispute XX/XX/ they told me Ill get a credit, for the unauthorized transaction for XXXX, in 10 days. I then was told XXXX business days, then 30 days, then 45 days then I was told 50 days. Multiple online chats, multiple phone calls, multiple agents and multiple lies were told/made when I simply wanted my funds back for this dispute I filed. It officially got filed XX/XX/XXXX it is XX/XX/XXXX and I have received NOTHING, but a suspended account now I have up to 180 days ( sometime in XXXX ) to get the SAME XXXX I was supposed to have got back in XXXX. I have a XXXX XXXX XXXX and XXXX XXXX XXXX and now no house alllll due to this dispute that has been going on since XX/XX/ I am UPSET beyond measures because as a customer I feel as if this is a fraudulent bank who did not follow policy and now are keeping my funds & I have NO WAY of retrieving them until THEY feel as if it is a good day to release them to me XXXX assuming.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

I bought  a MasterCard prep aid gift card from  XXXX  back in  XXXX   XXXX . When it was first being used in store in  XXXX   XXXX  and it got rejected. I contacted the company and they told me it was registered under another persons name. I faxed the copy of the card to the company on  XXXX   XXXX ,  XXXX  for lost/stolen. They told me they cant assist me because they cant verify my information. First of all, this is a prepaid gift card and does not require registration after purchase. There is no way for me to find out who registered it, if this holds, that means I can never get my money back.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Carvana Group, LLC (FL)

On XX/XX/XXXX I inquired to Carvana to see my XXXX XXXX XXXX XXXX to them, the process was initiated on carvana.com, I entered my vehicle information, odometer mileage, conditions etc, After supplying all of the information ( odometer picture, driver lice picture ) car condition, odometer of XXXX, XXXX XXXX XXXX, XXXX, excellent condition, I was sent an offer of {$20000.00} pending final approval. A few hours letter I received an email stating my offer changed to {$16000.00} due to incorrect mileage information. I contacted Carvana and confirmed that the offer initially received had the correct odometer information and I submitted a screenshot of the initial offer with the odometer as prove. After I spoke with several representatives and being on hold for 2 hours, they advised me that " someone '' entered the mileage as XXXX initially and that's why the offer had to be lowered. I supplied once again the screenshot of the original offer of {$20000.00} showing the mileage entered XXXX and my initial offer must honored as I entered the correct information and showed proof that I did. I called back on XX/XX/XXXX Tuesday and after being on hold again for 2 hours I was told that there is nothing they can do since someone in their dept entered the wrong mileage and the can't approve the original offer even when I did enter the correct information. Carvana offers a high amount to buy your vehicle and 2 i hours later decided to lower the offer without valid reason. Offering consumers false information to attract business
Consumer complaint received 2017-05-15
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. (NJ)

On  XXXX   XXXX ,  XXXX  I noticed on my Transunion credit report an old account with  XXXX   XXXX  for an auto lease opened in  XXXX   XXXX  was still reporting as " currently paying '' when the lease was completed and paid in full on  XXXX / XXXX / XXXX . I called Transunion on  XXXX / XXXX / XXXX  to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in  XXXX  has passed. On  XXXX   XXXX ,  XXXX  I noticed  XXXX   XXXX  responded to Transunion  's r equest by putting 82 months of X ( Unknown payments -- see attached ) for this account from  XXXX  through  XXXX  on my report. As I stated this ca n't be true since the lease was paid in full in  XXXX . Any help you can provide with this is greatly appreciated, as this has made  my credit score de crease by  XXXX  points, since they put the X for unknown payment history on an account that should be deleted because it was paid. Thank you.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

I recently discovered a debt on my credit report while trying to make a big purchase. 

The debt on my report does not belong to me. When I contacted the original collector and the collecting agency about this matter they told me that it was my debt and I had to pay it. I asked for documentation showing this was my debt because I never done any business with this company. They will not provide me with anything showing me my name, signature or contract pertaining this debt is mines. 

I would like this debt removed from my report as it is not mines. 

Original amount {$140.00} Debt collecting agency requesting {$200.00}
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MI)

I have been making double payments in the last month, using the same pay method. Turns out they have been canceling my payment and not Telling me about the problem. This can XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXp. I ask them to compensate this month of XXXX because I paid and they decline the payment without any explanation. Refuses to even admit they were wrong that could have cost me my new House I am buying. I did XXXX XXXX  and this is my thanks. This company needs to be put in its place. Milestone. XXXX XXXX. This is a scam that only accepts payments through bank accounts, so they can gain access. Shut them down!
Consumer complaint received 2023-01-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (AL)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate suggesting the disputed accounts were verified and they belong to me. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following accounts are STILL NOT accurate. Account Name : XXXX Department of Education - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have violated my rights. Additionally I have attached a side by side comparison of the following accounts. The open date varies, the balance varies, yet the account numbers remain the same? So how are these accounts being reported as 100 % accurate?
Consumer complaint received 2023-01-09
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. (AL)

I sent a letter on XX/XX/2022 to Transunion. My tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a-Definitions ; rule of construction.

The term " investigate consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations.

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2017-05-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On  XXXX , I purchased a   XXXX    XXXX   XXXX  with  XXXX  miles on it with a rebuilt title. I disclosed to USAA that it was rebuilt title. The only reason I bought the vehicle was because they also sold me a  XXXX  mile warranty for the vehicle. I would not have bought the vehicle otherwise.   on  XXXX , I brought it to the dealership there was a sensor that needed to be replaced and should have been covered underneath my warranty. I was told it was not,  XXXX  who owned the warranty said they do not cover rebuilt titles and refunded me the cost of my warranty.   USAA stated they would give their phone associate remedial training, but I am now stuck with a vehicle I do not want because I have no warranty on it. I would not have bought the car if I could not get the  XXXX  mile warranty.
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (LA)

I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Consumer complaint received 2022-11-17
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. (MA)

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a.

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Consumer complaint received 2022-11-17
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. (MA)

In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a.

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.
Consumer complaint received 2022-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

My servicer changed from XXXX to Mohela early this year. They were supposed to have everything transferred over. I need proof of payment going back further than the transfer date. I need this for tax purposes. If I don't get it, I will have to pay back a significant sum for the tax credit I received. I've made all payments on time, even during the COVID deferment period. The statements prior to the transfer date are not made available online, so I called Mohela to request them, as it says we can do. XXXX XXXX also told me I had to call Mohela for those statements. The representative told me they would be mailed to me within 30 days. That was three months ago. I have received nothing. I don't know what to do about it.
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (CA)

I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile
Consumer complaint received 2022-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SVB FINANCIAL GROUP (NV)

I have been expecting a refund from XXXX on an investment that did not go through. They, XXXX told me that their correspondent bank, Silicon Valley Bank. XXXX sent me an email showing that SILICON VALLEY BANK completed the wire transfer on XX/XX/2022. They say the {$1000.00} was deposited in my XXXXXXXX XXXX account and sent an email verification to XXXX which they forwarded to me. XXXX XXXX confirmed there we no wire transfers into my account in the month of XX/XX/2022. I called Silicon Valley Bank customer service, and they said they could only talk to XXXX. XXXX does not take phone calls. I emailed both XXXX and SILICON VALLEY BANK XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and copied XXXX XXXX XXXX  and have not received any response from either. Silicon Valley Bank has NOT wired the {$1000.00} into my account and they will not take my calls. Please help me. This has been going on now for 2 or more months. This is my {$1000.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP (AK)

On XX/XX/XXXX, I checked the court website to find out when a certain debt was paid and noticed that a judgment was awarded against me in XX/XX/XXXX without my knowledge. I wasn't served any paperwork in regard to this hearing so I could go and defend myself in front of a judge. The court website said it's XXXX XXXX that is suing me but when I contacted XXXX XXXX on XX/XX/XXXX, they had no knowledge of what I was talking about. I was told to call XXXX XXXX and once again, was told they had no account in my name. So I called Mandarich Law Group where I asked for a copy of the summons for this case and XXXX XXXX told me that he couldn't find the summons and no other paperwork could be found.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (MI)

Had a car loan on a leased car with GM Financial. This 36 and last payment was due on XX/XX/XXXX. GMF did not take out my last payment from my bank account t. Although GMF did the previous 35 months. I wasn't notified on this change until a month later. Last payment was promptly paid the first of XXXX. My CR rating went from XXXX to XXXX. 
XXXX XXXX BD XX/XX/XXXX, last 4 digest of SS # XXXX