davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
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. (FL)

Good afternoon, I am writing to your agency again in regards to a previous case # XXXX-XXXX. XXXX advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, XXXX failed to report accurate payment information. On my Experian credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did XXXX lie and state they closed my account at their own request but they have not reported my payment history for Experian and XXXX   reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.
Consumer complaint received 2019-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery One, LLC (GA)

I checked my credit report today to find a negative credit on there in the amount of XXXX issued by recovery one debt collector. The following address is what is on my credit report. XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX. After calling the company to find out it was in debt to a XXXX XXXX XXXX, I asked how the debt was issued on my credit report since it belonged to a corporation that I worked for. 

I was then tranfered to a XXXX who i'm assuming is a manager, when I asked him about it, how it got on my credit report and also if he was showing a personal guarantee, he told me he could not share any paper work with me and that i would have to contact the company. I told him that they issued this against my credit report and I would like an answer if he had the paperwork to prove that I personally owed the money. I was then hung up on. 

Not sure how I am suppose to handle this when fraudulent activities are put against my credit report and the company holding the debt can not provide paperwork. 

Thank you for your time.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-09-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.
Consumer complaint received 2022-10-03
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : XXXX, XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-28
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted XXXX  ; Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-10-13
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. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX
Consumer complaint received 2020-02-28
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: Lending Club Corp (MA)

{$15000.00} XX/XX/2020 ( around ) My Wife/I originally did business with this company and took out a personal loan, that I paid off in full. I never applied nor requested a second loan. 

My Spouse, later reapplied with the company, on her own. However, Lendingclub took It upon themselves to use previous loan information including me in the loan, without my consent, After we both contacted the company to tell them this was not the case, the person told us that it was too late the loan was funded in both of our names, every chance to correct the problem, was shot down.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I walked in to the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, CA XXXX and deposited 5 money order totaling {$2200.00} into my landlords account. On each money order there was an account number that belonged to my landlord. After receiving a receipt, it was discovered that the bank teller performed a key stroke error resulting in my funds being deposited into an account that belonged to an unknown person. After requesting this issue be resolved I was advised there was nothing that could be done by Branch Manager XXXX XXXX. She began to tell me that the error was discovered more than an hour later and as a result they are no longer able to reverse the transaction. I let her know I was unaware that there was an hour limit that has been set by the bank and explained it has been only 3 hours and the money order were still sitting at the tellers window with the correct account numbers written on them. She said she would be willing to file a claim, however, there is no guarantee that the issue will be fixed and unable to give a timeline. I placed a follow up on on today, XX/XX/2020, using the claim number provided to me and was advised by the representative the claim number is for an account that does not belong to me and as a result I am unable to inquire as to a resolution. At this moment, I am out of {$2200.00} with no one willing to rectify the situation that was caused by the branch teller.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Caliber Home Loans, Inc. (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2019-07-14
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: DISCOVER BANK (MI)

I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX   XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I want to report multiple violations that XXXX XXXX XXXX is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to I.Q. Data International, NC. 

Thank you so much.
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST MIDWEST BANCORP, INC. (NC)

I originally opened this account for a {$10000.00} personal loan and then not long after opening, it was refinanced through XXXX. They told me that they would pay off my existing loan with First Midwest. I had my account set up for autopsy, so if there were any balance left then it should be taken card of. I wasn't notified of this remaining balance until I saw it on my credit report. It was stating that I was at least 60 days late on a bill. I was shocked to see this as I have never been late on any payment in my life and did all I could do to keep my score at nearly 800. Since this happened, my score dropped to about 675!! I just want to have my score that I have strived for all my life! One misunderstood item, and I lost everything I have been working towards. I was in the process of moving and had changed my address with the local post office, but I'm guessing that First Midwest decided to ignore this information. I paid this account off in full as soon as I learned of it's existence but it was too late. I should not be penalized for another companies negligence!
Consumer complaint received 2020-02-28
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. (GA)

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC (TX)

The person calling from XXXX is stating to be calling from XXXX XXXX XXXX collecting a debt. Contacting XXXX at their real phone number. They stated that it wasn't them. 
This individual is pretending to be XXXX XXXX XXXX trying to get personnel information over the phone.
Consumer complaint received 2023-03-14
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. (PA)

XXXX XXXX  inaccurately and reaging added 30day late payment to my account. Transunion, XXXX, and XXXX  has not deleted this account despite multiple inaccuracies with this debt collection agency.
Consumer complaint received 2020-02-28
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: CITIBANK, N.A. (WI)

I have a credit card with Citi Corp through Costco and the rep, XXXX told me over the phone that I do not have any late days past 30 days from my statements, He advised me the longest I've ever been past due was 8 days with does not constitute being late. I asked for him to remove the late fee of {$33.00} and he did but did not remove the 30 days past due. As you'll see in my attachment, I have a 30 days late on there and he advised me there isn't one but there is. This is strongly affecting my credit ratings as I'm trying to purchase a home. 

Best, XXXX XXXX
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I am XXXX XXXX. 
I was using Transact prepaid MasterCard by NetSpend under XXXX Card number is XXXX XXXX XXXX XXXX Every time customer adds a card in a merchant website, the merchant payment gateway under MasterCard API internet protocol rules uses {$1.00} debit to test if card is valid, open and has balance to spend. It is a small reversible fee that is dropped or reversed very quickly within 24 hours everywhere visa or mastercard is accepted. 
It is a standard business practice in gas stations as well for example. 
Gas company would charge {$1.00} and reverse it and post gas charge which you pay gas price plus {$0.00} per gallon for using your card as oppose to cash purchase. 
You don't pay additional to that {$0.00} per gallon card transaction fee for being tested by {$1.00} and what I mean by that is {$1.00} reversible temporary charge and you also pay {$1.00} fee for being tested by {$1.00} reversible temporary charge. 
This {$1.00} testing charge protocol is a protected norm in business world and protected under banking mandate and regulated not to be taken by mistake and be abused like a purchase and be put a charge fee on it as if it is a purchase of a goods or services. 

This is openly violated by Transact prepaid mastercard by XXXX taking away the trust of thousands of consumers nationwide and needs to be dealth with fines and penalties by authorities to make them get in line with banking mandates and in full compliance with the law to full extend. 

when I add my card into my XXXX account and I have 2 accounts and I add in both, each account tested with {$1.00} and I was facing {$2.00} and {$2.00} in a row. 
That {$2.00} fraudulent charge consists of {$1.00} supposed to be temporary charge for testing and {$1.00} fee abused by XXXX XXXX is engaged in mass fraud and I want authorities to fine them and send a notice for compliance and exclude first time card addition testing {$1.00} small test charge from being charged with a fee because that is not a valid purchase of good or service and it is only there for purpose of establishing connection between merchant and the bank. 

The other misclassification and ill interpretation of fee happened in pin purchase. 
I used my card information for XXXX prepaid cellphone plan refill account billing page, there was no actual pin or need to enter pin and it is simple charging the card and banks charges merchant percentage for transaction so it makes the money and doesn't need to pass additional cost charge or fee to customer. 

I got charged {$1.00}. 

Unfortunately this as well is being abused in mass by XXXX and I want authorities to fine then and put them in line with banking mandates and in full compliance with the law. 

I feel the urgent need of fines and penalties for them to make immediate stop of abuse of fees by XXXX.
Consumer complaint received 2021-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (CA)

I have about 20 hard inquiries on my credit report from all 3 of the major bureaus. I never authorized these and I also have a collection from XXXX and Tempoe and Tempoe turned over the debt to another company called XXXX XXXX. All of this is unauthorized and I dont owe any debt and I didnt apply for a credit or anything else. I need all of this removed off my credit report immediately.
Consumer complaint received 2020-02-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Hello, I am still showing an account on my credit report from XXXX XXXX XXXX that is now owned by Portfolio Recovery associates. This account is more than 10 years old. Furthermore, this account was found to be invalid. The original creditor was XXXX XXXX.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (ME)

I ordered firewood from a seller on XXXX market place, requested prepaid before delivery.was supposed to be delivered XXXXXXXX XXXX XXXXXX/XX/XXXX, received a message that he was having truck issues and would be delivered by XXXX XXXX XXXX XXXXXXXX XXXX. i asked if he had a problem finding the place because he hadn't delivered yet, claimed still having truck issues after telling me it was fine earlier and would be delivered later.Approximately XXXX he sent a message that I neede to send another {$250.00} as a refundable insurance to someone with a different name, at that point I messaged him to tell him that I had never heard of such a thing and we should just cancel and refund my money.His message said that wouldn't happen and to just pay the extra money. transaction was through Paypal, I filled out a complaint with them and was denied transaction date : XX/XX/XXXX recipient XXXX XXXX ID XXXX Case Number XXXX I never recieved goods paid for and haven't heard anything back I tried XXXX XXXX department at Paypal and only got busy signal every attempt