davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (NJ)

I am disputing the accuracy of certain items on my credit report as provided by the credit bureaus, XXXX, XXXX, and TransUnion. Despite multiple requests for verification, the accounts listed below remain unverified, which has negatively impacted my creditworthiness and ability to obtain credit. Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), I request that these accounts be thoroughly investigated and either verified with hard evidence or removed from my credit file. This law mandates a reasonable reinvestigation to determine the accuracy of disputed information within a 30-day period. Additionally, I request the removal of all non-account holding inquiries over 30 days old and the addition of a Promotional Suppression to my credit file.
Consumer complaint received 2019-04-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC ()

Re : Specialized Loan Servicing - Loan # XXXX - Home Equity Line Statement The following is the 'second complaint ' in reference to Loan # XXXX serviced by Specialized Loan Servicing ( SLS ) located at XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, CO XXXX. PH : XXXX. 

Attached is a Home Equity Line Statement that I received on XX/XX/2019 from SLS. This is the first time I was informed by SLS of the following fees concerning the payment due date of XX/XX/2019. {$1000.00} for attorney fees and {$190.00} for a finance charge. These fees were never disclosed to me prior to receiving the Home Equity Line Statement from SLS and I don't feel that I should be subjected to those fees. 

I was approved for a loan modification ( see also financial summary ) on XX/XX/2019. My first payment in the amount of {$570.00} was debited by automatic check withdrawal ( ACH ) on XX/XX/2019. I thought all was going well until I received the attached Home Equity Line Statement on XX/XX/2019. 

This is an unjustifiable and deceptive means of doing business on behalf of SLS. Also attached is an email confirmation from SLS stating the monthly amount of {$570.00} to be debited from my checking account. NOTE : No mention of any other fees on the email confirmation. 

I would appreciate it if you would assist me to have SLS remove those never disclosed fees. My next payment is due XX/XX/2019.
Consumer complaint received 2023-01-06
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. (NJ)

Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX I lost my job and I sent a notice to the company XXXX XXXX. In the notice I claim the additional exemptions TCA. 26-2-111 and 26-2-103. I claimed ( A ) unemployment. The letter was sent out XX/XX/XXXX. And I talked to this company Attorney over the phone. Their Attorney said he wasn't aware of this law and he would look into it. I never heard back from the company Attorney. XXXX XXXX stopped reporting to Equifax and other credit reporting agencies on this account.I thought that XXXX XXXX honored that law and exempted me from that debt but later in XXXX XXXX XXXX started reporting to the credit reporting agencies that I was sill under obligations and was still making payments when I wasn't. This is fraud. In XX/XX/XXXX I sent XXXX XXXX a validation letter of the debt and has not heard from them nor has they stopped reporting to the credit reporting agencies. They have now reported at least 12 months of none pay which dropped my credit score down to XXXX points. Please help me clear this issue. This is fraud and they are not backed through a federal bond. If they was they could have hired a debt collection agency.
Consumer complaint received 2016-04-06
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (GA)

Somebody calling me they said took a payday loan out and they went and my account Last year of XXXX and they could not get the funds they said they taking me to court if these the same people who calling me I pay them already and they saying they never receive anything and I been trick to many time already what should I do they keep calling me they said the name representing is castle payment but they never said the name of they company then every time they call they always put a recorder on
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (NY)

Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the XXXXXXXX XXXX  described on the XXXXXXXX XXXX and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. I attempted to do a bank transfer from my XXXX XXXX  with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX XXXX and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX XXXX XXXX.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I can see that your have a total cashback of {$24.00} on your account, you can redeem it in chat or in call. 
-I never said anything about redeeming but and my cash backs never show up in my account -Citi DoubleCash 1 % buy,1 % when you pay Payments : XXXX statement : XXXX XXXX XXXX $ XXXX = XXXX $ Citi gave me XXXX $ cashback instead XXXX statement XXXX XXXX XXXX $ XXXX XXXX {$0.00} in return
Consumer complaint received 2023-12-18
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. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (CA)

Professional Debt Me XXXX XXXX XXXX  XXXX, Fl XXXX XXXX Balance : {$300.00} Date Open : XX/XX/2020 Someone stole my identity, I am living in California and this company is in Florida. This account is not belong to me. And I have nothing to do with XXXX XXXX XXXX. Now the debt is show-up in my credit report for an unpaid balance. Please help me with the case. Thank you so much in advance.
Consumer complaint received 2020-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

My mortgage was bought back from HomeStar in XX/XX/2020. First payment was made XX/XX/2020 under the original loan number I had with XXXX. HomeStar changed my loan number after that payment was made but before I had a chance to update it - honestly I don't recall receiving a new loan number. So on XX/XX/XXXX my payment left XXXX XXXX  and Proof of Payment shows Homestar accepted and processed the payment under the original loan number on XX/XX/2020. On XX/XX/2020 or shortly thereafter, I started receiving debt collection calls from HomeStar, but because the loan was transferred I was still under protection of late fees. At that time I called back and let them know I paid - a ticket was opened but the gentlemen refused to take my proof of payment from XXXX. I called 2 days later because that first gentleman was rude. 2nd guy reopened my ticket - it was closed because there was no proof of payment ( which I asked if I should send ). It was closed without my knowledge. I got another phone call but this time sent the proof of payment on XX/XX/2020 - never head back. Called again - they had to reopen the ticket again - resent proof of payment on XX/XX/2020. Finally contact my mortgage provider who got me in touch with corporate. XX/XX/2020 received a message from corporate asking me to confirm the address - even though it is on the proof of payment. I called same day and left a message. Got a call back XXXX - she was on vacation and sorry she didn't get back to me sooner. XXXX asking for more information - I already send proof of payment and that's all they need. message back on XXXX - we are working on this! XXXX - harrassing messages have picked back up. I was told the messages would stop, but they didnt. It has now been 30 days since HomeStar took {$1700.00} from me and refuse to post my payment despite sending proof of payment to 2 people in Customer " Care '', 1 mortgage lender, and 3 people in corporate.
Consumer complaint received 2020-04-08
Product: Credit card or 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: Paypal Holdings, Inc (WI)

I called PayPal to dispute charges for XXXX booking. The dispute was closed with no resolution. Hotel tonight advised they couldnt refund my money because of a charge back.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

by the day XXXX XX/XX/2024 I send some dispute letters to transunion, regardingsome account in my report with wrong and inaccurate information. after almost XXXX the agency don't respond to me or do any update in my credit report.. I demand to remove by the law all the inaccuraciesin my credit report asap because that affecting me I my financial aspect.. 

here some documents and the letters for support my complaint.. 

I am writing to express my deep concern regarding your company 's failure to conduct a proper investigation into inaccurate collection items on my credit report. 
Creditor : XXXX XXXX Account : XXXX Creditor : XXXXXXXX XXXX  Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX It has come to my attention that despite repeated attempts to resolve this matter, your company has neglected to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, credit bureaus are required to conduct a reasonable investigation into collection items brought to their attention by consumers. However, your company has failed to do, thereby violating the law. 
I wish to inform you that I will be consulting with a Fair Credit Reporting Act ( FCRA ) attorney to explore further legal action regarding this matter. It is clear that your company 's actions, or lack thereof, are unacceptable and warrant escalation. 
This letter serves as my final request for your company to comply with the law and conduct a thorough investigation into the collection account referenced above. Failure to do so will result in me instructing my FCRA attorney to proceed with legal action, including the filing of complaints against your company. 
Please be advised that this will be the last correspondence from me on this matter. I expect prompt action and resolution from your end.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX is reporting a late payment and shouldnt be according to 15 USC 1666b ( 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. 15 USC 1666b ( 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.
Consumer complaint received 2020-04-08
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)

After reviewing my most up-to-date credit report sent to me by Experian. I noticed that the following accounts are still being reported as updated in verified, but what under the guidelines of the fcra rules and regulations is a violation. 

Please see attachment for the following accounts ; ( XXXX XXXX XXXX XXXX XXXX  ) this account is currently being reported on Experian with no balance. No last date of payment, no date of last activity, no information on original creditor including business address and telephone number. All violations of the FCRA rules. 

( XXXX XXXX XXXX ) after notifying Experian that the original creditor has not responded to my validation letters. Experience still continues to report this account as updated and verify. This is a violation of fcra rules. 

( XXXX XXXX  ) unknown account- after requesting Experian to fully validate this account by providing relevant information as per fcra rules section 609b. The company still reports this account as updated and validated and are verified. This is a violation of fcra rules. 

( XXXXXXXX XXXX XXXX XXXX ) in and around XX/XX/XXXX of XXXX, XXXX XXXX  has been reinserted onto my Experian credit profile without notification as required by law 5 business days prior to reinsertion. In addition, in an attempt to damage, and discredit my credit worthiness. The company intentionally change the name of the original creditor from XXXX XXXX XXXX XXXX to XXXX XXXX, using the same collection agency, but different original creditor with the same outstanding balance. This information is not only fraudulent, but misleading, inaccurate, inconsistent and a clear violation of fcra rules. An attachment ; notice that XXXX XXXX XXXX  in a was in fact deleted back in XXXX of XXXX but now we reappears as a collection item under the name XXXX XXXX and associates with original creditor XXXX XXXX a violation fcra rules. 

( XXXX XXXX  XXXX XXXX )  this an collection account that reports as paid has agreed. But does not report last date of activity. Does not report last date of payment. Account still reports as verified and updated even though account was disputed back in XXXX of XXXX. Account currently shows last date updated was in XXXX. Account Does not accurately reports last date account was updated. All violations of fcra rules. 

( XXXXXXXX XXXX XXXXk ) I've notified Experian of the inaccuracy of outstanding balance being reported, I've also notified of the inaccurate last date of payment all are violations of fcra rules.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have disputed this account multiple times with Experian. I have sent them the receipt showing this item was paid and should not have been reported as a charge off. I am a current customer of web bank and was told by them that Experian is reporting inaccurate information.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my account in full on XX/XX/XXXX and it was closed out. My due date for the payment was XX/XX/XXXX. Also, my payment was not late in XX/XX/XXXX. I paid my account off prior to the due date of the XXXX of XXXX. 

Therefore my payment was not late in XX/XX/XXXX or XX/XX/XXXX and my credit file should not reflect such.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo credit card credit limit does not match my credit score because when the car was issued to me my XXXX  score was not reporting properly and they never resolve the issue after I contacted them and also they never gave me my {$10000.00} grant within three days after I apply for it for the disaster of COVID-19 I would like to credit card company to re-generate a better Credit limit based on my Credit score asap thanks XXXX bless
Consumer complaint received 2022-02-19
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. (NY)

On XXXX XXXX I filed disputes to all 3 credit bureaus. XXXX, EQUIFAX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2020-04-08
Product: Credit card or prepaid 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: DISCOVER BANK (NJ)

On XX/XX/2018 I noticed that my credit card had some unauthorized charges while I was out of the country. I contacted them to resolve this and they closed my account permanently without a notice and without doing any investigation on the unauthorized charges they also removed the automatic payment from my account now this account is stoping me on getting a mortgage for my family. Its Unfair that somebody used my card and Now I cant buy a house for family because this account is reporting negatively on my credit report.
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this, this Pro Collect XXXX
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC (TX)

XXXX QC Financial Payments Fee {$30.00} Took money from my bank account that was not authorized by me with no contact informing me of any charges. The only income is my XXXX social security aka RSDI. 
I wrote via email to both lend nation and bank. 
Advised lend nation to stop the ach and stop my debit card also to remove debit card. 
Advised bank to stop payment from QC Financial. 
Have not heard a reply from neither company.