davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$76.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2022-10-30
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 (TN)

My PayPal account is showing " limited '' and will not let me close my account. A company called XXXX XXXX and XXXX XXXX set up an automatic payment when I purchased some books from them. They took {$100.00} at a later date when not authorized. That company refunded me ( through PayPal ) immediately after I contacted them but I had also notified my bank and PayPal who opened an incident. 

My bank refunded my account after working with PayPal to resolve the issue so I was refunded twice. PayPal limited my account and wanted one of the refunds back. I have followed all the steps to resolve the limitation on my PayPal account. I transferred the refund back into my PP account and I have tried to confirm my bank multiple times within the PayPal website. I am having issues getting this resolved and there is never a person available to speak to. It is only the PayPal Assistant that sends me back to the same places on the website. I have called ( never spoke to a person ), and sent multiple messages to PayPal requesting help. I tried to close my account and it will not let me with that limitation on there. 

Basically, I have done the checklist that PayPal shows I need to do to resolve my account. Issues : The Resolution Center checklist does not show that I paid the money back to PayPal and the PayPal website does not give me the option of confirming my bank account. I can not get help from a person at PayPal and have received no responses to the multiple messages that I have sent.
Consumer complaint received 2020-08-11
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: CCS Financial Services, Inc. (IL)

I have a loan with CREDIT COLL ( Original Creditor : 06 THE XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and CREDIT COLL ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

I have been trying to fix the discrepancies reported by Nelnet since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX  audit done on my loan from XXXX and so far, Nelnet has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (ME)

I bought an auto in XX/XX/XXXX and financed with BMO Harris. My first payment which was set up as auto pay apparently never came out of my account due to their error in XX/XX/XXXX. So for 2.5 years it has been paid at 30 days past due without my knowledge. It did not hit my credit as it never reached 31 days. I called several times in the last 2.5 years to get a payoff and various things. NO ONE ever once mentioned the loan was being paid a month behind. 
In XXXX I was granted 3 payment skips. They only skipped 2 because I was behind one but was never told even when they drew up the agreement that I would not have to make a payment for XXXX, XXXX and XX/XX/XXXX. A payment came out on XX/XX/XXXX anyway. I called several times. They were rude and horrible and treated me like a loser because " I should have know 2.5 years ago ( supposedly ) they had my check account in wrong and the very first payment was never made.
Consumer complaint received 2020-06-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUNRISE CREDIT SERVICES, INC (GA)

My daughter received a call on Monday XX/XX/2020 @ XXXX XXXX  from someone pretending to be an officer of the court stating that someone would come to my home to provide me with legal papers and they were hired by a company. They provided me with number for me to call and gather more information. The number provided to me is Sunrise Credit Services, so it was fact an employee of this company breaking the law when calling me. I am aware that this is a scam that debt collections agencies use in intimidating debtors or those they believe has a debt. This is clearly a violation of the FDCPA. The person who called clearly used a number that is not traceable. That number is XXXX and of course she refused to provide her name. I Have advised them once before to cease and desist and therefore they are using a another method to harass me. I have not received any correspondence from this company stating I owe any debt.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (NC)

on XX/XX/2020 Moneylion llc admitted that i made payment but reported that i have missed consistent payments with 120days late showing on my credit report i would like the error removed and full account removed
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis is reporting a XXXX account on my report that has been paid and is reporting it as not paid. They are also reporting two tax liens that have been paid and they are reporting it as not paid. This needs to be removed asap. I have included the documents that show it has been paid. The court also does not provide this information to them. 

Amount : {$5600.00} File Date : XX/XX/XXXX Judgment Type : SMALL CLAIMS JUDGMENT XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, GA Filing # : XXXX Date Last Seen : XX/XX/XXXX Filing Book : N/A Release/Satisfied N/A Date : File Date : XXXX Type : Amount {$14000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX XXXX XXXX XXXX GA Filing # : XXXX Date XXXX Seen : XX/XX/XXXX Filing Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX File Date : XXXX Type : Amount {$330000.00} XX/XX/XXXX FEDERAL TAX XXXX XXXX XXXX SUPERIOR COURT XXXX XXXX : XXXX, GA XXXX XXXX XXXX XXXX Date Last Seen XXXX XX/XX/XXXX XXXX Book : XXXX Release/Satisfied Date : N/A Filing Page : XXXX
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (PA)

Someone hacked my account and deposited ficticious checks via mobile deposit. They then were able to access my accountvand transfer the money to XXXX  and XXXX  it an outside account with bitcoin. And of course i got the blame for identity theft. They have scared my name on the XXXX I have a police report in this matter from another bank where the same thing happend except this time it went through XXXX XXXX  Someone got all my passwords and logins for everything. Now i need to clear my name. Would like this negative info removed from XXXX.
Consumer complaint received 2022-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

An entry on my credit report shows a collection account from Credit Systems Intl for their client XXXX XXXX XXXX XXXX Texas regarding a bill of {$360.00} that was supposedly from 2017. Any billing as such should have been paid by my insurance if they even billed it. I sent a dispute at least 2 months and ever received a response at all.
Consumer complaint received 2020-08-11
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: FC HoldCo LLC (FL)

I have a loan with FLAGSHIP CRD, XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FLAGSHIP CRD, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

The following unauthorized inquiries and incorrect addresses are hindering my credit and affecting my ability to get approvals and verify myself. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXXXXX Incorrect addresses : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2022-11-06
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. (AR)

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from Transunion, XXXX or XXXX, i did further research on the companies listed below. These companies are not licensed in the state of Arkansas which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-11
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. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Consumer complaint received 2020-06-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX
Consumer complaint received 2022-05-16
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CO)

I am attempting to extend a COVID-19 forbearance on a VA backed mortgage that is being serviced by Caliber Home Loans. I attempted to request an extension through their online website and received a message that they were unable to process my request and that I would need to call their phone number. I have previously notified Caliber Home Loans that I am unable to speak to them on the phone due to a XXXX that impacts my XXXX  abilities, and requested that any communications between us be by secure message, email, or postal service. I also asked them to suspend collection calls, and they have not honored that request, calling my phone after I submitted that request, sometimes multiple times a day. 
I sent a secure message to them asking as to the status of my request on XX/XX/XXXX and have yet to receive a response. I also reminded them of my prior requests to communicate by written means. I have not yet received a response to my concerns, although the automated reply said to expect a reply within five business days. 
In my previous communications with Caliber I feel that I have explained my need for reasonable accommodations very well. Caliber has not shown any willingness to work with me on this issue, or even meet me halfway. It is my intention to stay in my home, this being my primary residence and this lack of communication on the part of Caliber Home Loans is exacerbating an already difficult situation. I have also explained that I am working with a person at the VA who can act as an intermediary between myself and Caliber Home Loans, and provided her contact information to them. They have been unresponsive to her as well. Considering that I am at risk of foreclosure and attempting to do a loan modification, which is a very involved process that necessitates communication between both parties, I am concerned by the lack of communication on the part of Caliber Home Loans, and especially that they are not respecting my requested method of communication. I am asking the CFPB to assist me in reaching a resolution to this issue.
Consumer complaint received 2020-06-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX
Consumer complaint received 2020-06-11
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX   XXXX XXXX {$200.00} XXXX   XXXX {$2800.00} XXXX XXXX   XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX   XXXX {$310.00} XXXX XXXX {$2400.00}
Consumer complaint received 2020-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

Capio Partners LLC Account # XXXX, XXXX {$290.00} {$100.00} I have reached out this company several times, In reference to these accounts. These accounts are an result of identity theft. Iam disputing this debt because it is not owed by me.This violates the fair credit act by reporting inaccurate information.
Consumer complaint received 2020-08-11
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)

I am upset to have learned that my credit and personal information has been used for fraud and activities I have absolutely no knowledge of and I would like this to be situated as soon as possible. I am unable to get a credit card because it appears that I have had one when I didn't. Please aid me in removing these false accounts from my credit history.
Consumer complaint received 2020-06-17
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. (GA)

For more than two years, I have submitted documentation several times to XXXX with information that substantially proves XXXX XXXX XXXXXXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly.

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX   XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.
Consumer complaint received 2020-06-11
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
CHAPTERXXXXBANKRUPTCYFILEDXXXX
Consumer complaint received 2020-06-17
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 (NV)

On XX/XX/20 I paid {$14.00} for 2 items, & XX/XX/20 an additional item for {$21.00}. 
All for three items of fabric totaling {$49.00}, NEVER shipped, NEVER received. 
Paypal refused to close claim in a fraudulent attempt to freeze & block seller 's intent to issue refunds. I've closed my account because Paypal previously denied me right to remove bank cards, since corrected by this bureau. This abuse by Paypal implies disgruntled retaliation. I've filed disputes with my bank, because as of this filing date I can no longer view this fraud. Paypal stole {$49.00} of non-received merchandise.
Consumer complaint received 2020-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

A new account was opened with HSBC Bank to get a Welcome Deposit of {$370.00}. Despite completing the qualifying activities, the Bank is not paying the Welcome Deposit of {$370.00}.