davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX  to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were 3 collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX
Consumer complaint received 2022-12-27
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. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (RI)

Two weeks ago I received a late notice. When I immediately called, I was told that my auto-draft did not come out of our account for XXXX. There was no explanation of why this happened AT ALL. I gave full payment that same day, and I was told the issue had been escalated and someone would contact me. No one ever did. I called again last week and was told that the previous person had not correctly applied my new payment from the week before. Yesterday I then received a notice of default in the mail. I am EXTREMELY upset about this. When I view my account online it appears to be current, with nothing overdue and no late charges. I requested via phone and email on XX/XX/21 that they furnish in writing ( email or hardcopy ), confirmation that my account is current and that there is no late payment recorded. After over 30 minutes on hold I was told I would get the requested email that same day ( XX/XX/21 ) detailing that we are not and have never been late or in default. That email did not come and I received a 2nd letter of default via US Mail and notice that they had contacted RI Housing. 

Here 's the history of my multiple attempts to straighten this out : Called on XXXX/XXXX/21, 51 minutes. Initial person I talked to ( XXXX ) said he or his supervisor would call me when they were done investigating and they never did. He also gave me his direct line, which was just the same number that is on the letterhead. He also gave me an employee code to use to get him directly, and when I called I was told that they had no way of putting me in touch with him, that they dont have direct lines. 
Payment taken in full on XXXX/XXXX/21, cleared from our bank account on XXXX/XXXX/21. Default notice is dated XXXX/XXXX/21. 
Called on XXXX/XXXX/21, 27 minutes. Person I talked to said that XXXX had not properly applied my payment from XXXX/XXXX/21. 
Sent above request via online form on XXXX/XXXX/21. Received a reply saying to call the XXXX number. Called on XXXX/XXXX/21.
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

In mid XXXX, I asked my loan servicing company, Loancare  to please help me as I could not make the complete mortgage payments due to XXXX and a reduction of income and pension. Since XXXX, the mortgage company has had us in a spiral process of requesting many pieces of documentation to support an application for modification of the loan. Upon not hearing about any final decision from the servicer Loancare for a modification request, whether they would or would not modify my loan, I hired XXXX XXXX XXXX XXXX ( an attorney ) in XX/XX/XXXX to assist me with a modification request and representation. It is now XX/XX/XXXX and Loancare  has still not returned a modification response. I have recovered my income from self-employment and my company from which I retired reinstated my pension award as of XX/XX/XXXX. I would like to make a payment agreement with my mortgager but they DO NOT respond to the attorney nor myself. All they continue to do is say that documentation provided in the past has expired and to resent documentation. The documentation has expired because they continue to let time elapse and do not respond to modification requests. Now our home has fallen into the foreclosure process. We really wish to not lose our home. We need Loancare to respond by making a payment agreement or modification agreement so that we can resume payments.
Consumer complaint received 2022-12-27
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: Prosper Marketplace, Inc. (GA)

In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-27
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: CarMax, Inc. (GA)

In accordance with the fair credit reporting act convergent accounts below violated my rights to laws 15 U.S.C. 1681 SECTION 602A - Which states that I have the right to privacy. 15 U.S.C. 1681 SECTION 604A- Consumer report agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-26
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. (AR)

i have sent two letters over 90 days ago about items that where not mine showing on my credit report. XXXX  and XXXX has already fixed the issue but equifax has yet to respond. iv sent multiple letters and no response.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-05-15
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 9th 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, UT XXXX XXXX XXXX PL XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Immediate Credit Recovery (VA)

I started being garnished in XXXX of XXXX for a student loan. I was not advised of any collection activity for this account and didn't receive notice of garnishment until the day it was applied to my pay check ( via my  employer ). When reviewing the documents, I observed that the address of record was from a residence that I vacated more than a year prior. In XXXX of XXXX, I attempted to dispute the debt/garnishment via the company 's website and did not receive any type of response. I called the company on XX/XX/XXXX, and was advised by a representative that disputing the account was pointless and the only form of action that I could take to alleviate the garnishment was to file a hardship request, which would be reviewed and approved/denied by a judge after I provided receipts for all of my monthly expenses. It is my understanding that when a customer files a dispute, the debt collection agency is required to open the case and complete a thorough investigation. I was denied that right.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capitol One froze my account because I was trying to buy XXXX currency from a well known XXXX XXXX XXXX located in XXXX XXXX, Ca. I called them XXXX different times to verify my purchase with them and explained it to them. The XXXX time I called Customer Service about this issue the representative said that Capitol One would send a check for the XXXX dollars from our checking and savings account! Its been well over a month or more and still no check for my money!!!
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST MIDWEST BANCORP, INC. (IL)

On XX/XX/XXXX, I opened an " Easy Checking '' account at First Midwest Bank, under a promotion to receive {$250.00} upon the completion of four required activities : ( 1 ) open the account before XX/XX/XXXX, ( 2 ) Make XXXX debit card transactions, ( 3 ) Make deposits totaling {$2500.00} or more, and ( 4 ) enroll in online banking and e-statements. I will attach a screenshot from the promotion website that lists these four required activities. 

I waited the prerequisite length of time after completing all of these, but did not receive the {$250.00} reward. Upon contacting First Midwest Bank, I was given conflicting information as to why I did not receive the bonus. At first, I was told that I did not use my debit card XXXX times, although I did. ( I will attach a copy of my statement that contains the XXXX debit card transactions. ) Then I was told that my balance was {$0.00} on XX/XX/XXXX, which would disqualify me. However, my starting and ending balance on XX/XX/XXXX was {$2500.00}, with no transactions done that day, so it is impossible that my balance was {$0.00}. Finally, I was told that I did not receive the reward because I did not use their mobile banking app. However, this was not prominently advertised as a requirement : I enrolled in online banking and estatements immediately upon opening the account, as was advertised as a requirement. 

I have clearly met the terms of this promotion and request that I receive the {$250.00} reward that was promised.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX, the story begins on XX/XX/XXXX of this year, I have been a Bank Of America client for 3 years now, I have never had any problem so far. 

I made the deposit of a check ( it was in my name ) on XX/XX/XXXX. When verifying the application the next day it told me that the funds would be withheld until Wednesday XX/XX/XXXX, perfect, I waited for the date and the funds were still withheld, I called the bank and they told me that the funds would be withheld for 7 business days, perfect I waited for those days when I called again I received the same monotonous response, that I should call in 21 business days, again I waited those days and called again, where I received the same automatic response from the closed accounts department, that I should call in 7 days more, to which I ask to speak to the Manager and he tells me that they can not give me details of why I am not receiving my money, they ask me to call again in 10 days. When I call back they tell me that I should contact fraud and risks, I contact them and they tell me that I should call the account closing department, they stopped the problem and no one at any time told me when I would have my money back. Today 75 days have passed and absolutely NOBODY contacted me to tell me when they will send me my money.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (NJ)

I havent paid a XXXX loan since XXXX, i was in XXXX school deferment until XXXX. 

I could not pay in XXXX since I was still in XXXX  school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at XXXX would speak to me. 

My cosigner claimed a XXXX XXXX XXXXXXXX, and then XXXX said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX XXXX this past summer ( XX/XX/XXXX ). XXXX showed up as written off then, due to XXXX XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because XXXX showed up again and changed the remark from XXXX XXXX to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score.

At one point they transferred me to the XXXX XXXX, but people Would answer the phone and say they were from a training company and had no affiliation with XXXX ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.
Consumer complaint received 2020-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I had a balance of {$1700.00} in my Venmo account on XX/XX/2019. I sent {$1300.00} from my Venmo account to my bank account so that I could pay my bills for the month before XXXX, which then left a balance of XXXX. It told me that I would have it in my bank account on XXXX XXXX because for some reason it would not let me do an instant transfer. On XXXX XXXX I received an email from Venmo saying " Your Venmo account has been frozen due to recent activity that triggered some security alerts. 
Please contact us by replying to this email if you have any questions or want to reactivate your account. '' so on the XX/XX/XXXX, I sent them a message to find out why to which they claimed that I had another account that owed XXXX, I did have another account at one time and got locked out so I opened a new one, I didn't recall owing money but I wasn't denying that, I don't have a problem with them takingXXXX out of what they have stolen from me which is ( XXXX ). They tell me I need to pay an additional XXXX and then submit for a refund of the XXXX and they will look into it within 5 business days. That is not acceptable. Venmo is a payment system that transfers from one person to another. There is no reason they should " freeze '' XXXX for a bill of XXXX and then tell me to send them ANOTHER XXXX and then they will consider sending me the XXXX back. So basically they have stolen {$950.00} from me that isn't theres. This company is a scam
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avant Holding Company, Inc. (TN)

AVANT IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! THEY HAVE SOLD THE ALLEGED DEBT BUT STILL CONTINUE TO DESTROY MY CREDIT WITHOUT THE LAWFUL REQUIREMENTS!! THAT IS FRAUD!! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. AVANT HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!
Consumer complaint received 2021-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from Capitol One advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) XXXX XXXX XXXX # Pending XXXX ) Capitol One Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending
Consumer complaint received 2022-12-27
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-27
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. (VA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.