davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
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)

XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX   XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XX/XX/XXXXXX/XX/XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XX/XX/XXXX- CARD SERVICE -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-- -- ->Inquiry date -- -- ->XX/XX/XXXX   XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX - XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX  USA  -- -- ->Inquiry XXXX -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX   XXXX -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent a letter requesting the following information 1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature guaranteeing I will pay this creditor I got no response from collection agency.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AL)

I am having problems with several Mobile Apps along with a series of unexplained charges and delays in proper credits to my American Express Serve Card. My current issues with American Express starts with a review ( hold ) on a {$63.00} credit from XXXX, instead of letting it credit back to my account Amex has it under review. The next issue is a series of XXXX rides on XX/XX/XXXX. I booked a ride for {$7.00} to XXXX XXXX, I waited 2 hours that driver never showed up. The next two rides from XXXX were approved The first ride was for {$15.00} ... XXXX credited the no show ride of {$7.00} to this ride and charged {$7.00} to cover my 2nd ride for a total of {$15.00}. That would be $ XXXX minus {$7.00} that had already been paid from my no-show ride. My 3rd ride from XXXX on XX/XX/XXXX was for {$15.00} there was sufficient balance for this charge. This morning my account is - {$7.00} I have been on the phone in queue over an hour with Amex and can't get sufficient assistance. 

I briefly ( after a long wait ) spoke to an Amex Representative that identified herself as XXXX ... when I requested an explanation of why my account was - {$7.00} in my main account and also an explanation of delays with multiple credits due my account. I was given notice my fees for XXXX were waived yet {$23.00} in fees are showing charged to my account. XXXX transferred me to another Department ... I was alsoI given a number to call incase the transfer from XXXX was disconnected XXXX ( XXXX ) XXXX ... I stayed in queue about an hour when XXXX transferred me and I then tried calling directly without a Representative answering the phone after waiting over 35 minutes. 

I have a pending charge from XXXX on my Amex for a canceled food order of {$25.00} from XX/XX/XXXX. My order only cost {$25.00} and XXXX allegedly refunded these charges on that same date. Right now more than I approved for this canceled order is still pending on my Amex account {$25.00} and additionally smaller charges at XXXX each. 

I am desperately looking for safe banking options so that I can change from American Express. I am owed credits of approx {$100.00} to my account that are just floating around in Cyber Space. Please imagine my surprise being due money and having an unexplained- {$7.00} ( negative ) balance on my account this morning.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (FL)

Money lion never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.
Consumer complaint received 2021-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (VA)

A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge. This company did not provide me with validation of this debt but placed an unverifiable debt on my credit profile.
Consumer complaint received 2022-03-24
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB (OR)

We made a payment viva XXXX XXXX  online bill pay to State Farm Bank for our XXXX mortgage payment the end of XXXX. Normally I make all payments through the State Farm website but both times I tried it was not functioning. XXXX reported the funds had been delivered on XX/XX/20. 
Below is the event timeline : XX/XX/XXXX : We received a letter informing us the payment had not been received. I called as soon as I got the letter around XXXX oclock. They threatened that if I did not make an additional payment, we would incur late fees and have a mark on my credit. The double payment was made in anticipation of them quickly resolving the issue. At that time, they had told me should be the next day. 
I emailed the transmittal form provided by XXXX stating State Farm Bank had received and accepted the funds to both the website message center and XXXX. 
XX/XX/XXXX : I called State Farm Bank the customer service representative said that they will not resolve the claim for up to 48 hours, call back Thursday. When I asked if they could at least tell me if the documentation I submitted was correct, they said no. 
XX/XX/XXXX : The customer service representative that day said it could take up to a week, I asked for a manager. The manager told me I could fax it, when I stated I had no access to a fax I was told it could take up to two weeks. Also, recent information two both the web site and email. 
XX/XX/XXXX : On the call this day I got a customer representative that said they had received the proper documentation and it should be resolved by the end of the day. However, it could take a little longer call back on the XXXX have I not heard anything. 
XX/XX/XXXX : The first representative said they never received the transmittal. I was sent to another a person and they FINAL found it and stated they would work on it. They called back and declared I should hear from them first thing the following day. 
XX/XX/XXXX : I called after not hearing from them by XXXX. The representative from the previous day said the managers were working on it and would call back by noon the following day. 
XX/XX/XXXX : Never received a call back, I called them, they called back. The message was I would have to escalate because in order to have it looked at then hopefully resolved. 

Email transmittal from XXXX was sent to : XXXX XXXX
Consumer complaint received 2020-03-16
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: U.S. BANCORP (CA)

Last year 2019, U.S Bank reported me and my wife for being 30 days late on our mortgage during the government shutdown. We filed a complaint here and they eventually sent us an apology stating we shouldn't have been reported. The 30 day late status WAS removed from our credit report but our points were not reinstated. When we were reported, they took approximately 70 points from both me and my wife. After removing the 30 day late status from our credit reports in XXXX, we still haven't seen those points returned to us.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax is violating my right to privacy and I have elected to opt-out of any future credit reporting especially negative items currently on my report. I was denied credit by XXXX. They are in violation of 18 U.S. code 1028 Fraud and related activity in connection with identification documents, authentication features and information ; 15 U.S.Code 6802 Obligations with respect to disclosures of personal information ; 15 U.S. Code 6801 Privaty Obligation Policy ; Can't produce Social Security Release Consent forms. ( SSA-3288 ) with my signature ;! 5 U.S.Code 1691 Congressional Findings and Statements of purpose:15 U.S. Code 1681a Defintions rules of construction ; 15 U.S. Code 1681b ( Permissible Purposes of Consumer Report ) 18 U.S. Code 8 Obligations or other Security of the United States that all debts public and private is settled by the United States : Texas Penal Code Sec . 32.53 and Texas Penal Code 32.51
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

XX/XX/XXXX Dear Sir/Madam I am a victim of identity theft. I recently learned that my personal information was used to open an account at Discover Financial Services LLC. I did not open or authorize this account, and I, therefore, requested that it be closed immediately. I also requested that Discover Financial Services LLC absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. However, I received the letter on XX/XX/XXXX where it was said that Discover Financial Services LLC refuse to close this account and told me that this account belongs to me. After that, I sent to Discover Financial Services LLC all additional documentation as supporting evidence such as Copy of identity theft Report. 
Copy of old NY State ID. 
Copy of Passport. 
Copy of electricity bill ( proof of address ) Copy of XXXX. 
Copy of XXXX. 
FTC Notice to Furnishers of Information. 
And I asked again to remove this fraudulent account. However on XX/XX/XXXX I received another letter from Discover Financial Services LLC where it was said that after the second investigation they concluded that this account belongs to me despite all documentation as supporting evidence. The letter also states that the credit card was sent to XXXX XXXX XXXX # XXXX, XXXX XXXX, NV, XXXX. However, I have never been a resident of XXXX XXXX and have never lived at the listed address. 
This account was opened in XX/XX/XXXX while I was on the territory of the XXXX XXXX. My entry into the United States is listed on XXXX XXXX ( XX/XX/XXXX ). The document XXXX contains a stamp on which the date ( XX/XX/XXXX ) is indicated before which I could not enter the United States. 
For your information, my social security number had many open bank accounts that were successfully closed because they were fraudulent except for this one - Discover Financial Services LLC. Their investigative department insists that this account belongs to me despite all the evidence and all the documents I have provided to prove otherwise. 
At the moment I have lost all hope and do not know how to resolve this current situation. Due to a very low credit score, I can not live a normal life. I can't even afford to rent a house because I get a refusal from all landlords. Please, I am asking for your help.
Consumer complaint received 2024-02-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RMS-Recovery Management Services, Inc. (IL)

I called Recovery Management Services at XXXX on XXXX at to inquire about my defaulted loan. My loan had been on hold due to XXXX XXXX 's exemption promise. It was taken out of hold, and I did not know. It was sent to collections. I got a call from Recovery Management Services in late XXXX. I called today to get my loan out of default, so I can apply for federal student aid for XXXX XXXX 

I told her I need to apply to XXXX XXXX and I told her that at the beginning of the call. She used this precarious position to hang necessary information over my head, such as how to pay off the loan presently, what my login information to do so might be, and what my options to pay were. 

I called the company in order to resolve the issue as soon as possible. I expect decent treatment. This was not he case. The operator told me that my payment was bounced back from my bank, so I could not pay with a payment plan anymore. She said credit card payments were available. She said " we will call you '' unlimitedly and as frequently as they want, to collect the debt. I took this as a threat. The balance is {$750.00}. I was taken aback, and told her I did not want to argue, just to know my options. She told me there was no payment plan available, and reiterated that it was because my ACH bounced back, so I asked if I could pay another way. She said the balance needed to be paid in full, and could be done online. She began to change the information, saying I could make multiple payments though the month of XXXX. I brought my dad on the phone, feeling suspicious about her inconsistent information. I told her he was there. She then said, I had until the end of XXXX to pay the loan, not that it was due now, as she said before. She finally changed her information, saying I had until the end of XXXX to pay the loan, and that I could make several payments online to do so. This was a complete change from the information from the beginning of the call.
Consumer complaint received 2022-03-24
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681 US Bankruptcy court ID # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my right. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not reporting can not furnish a 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 items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-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 2020-03-28
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. (IL)

Working withtransynion XXXX  and the loan accounts show that they closed with XXXX  then show that there is a balance. Also XXXX can not show a XXXX  as collections even from the beginning. Therefore there should not be a balance after XXXX  and or in collections for false information.
Consumer complaint received 2020-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (LA)

On XXXX the XXXX-2020 at XXXX. send and email to company about financial situation.ask them not to withdraw funds from account because of limitation. Then put a block on the account with my bank. XX/XX/XXXX they still. withdraw. $ XXXX
Consumer complaint received 2022-03-24
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/22 Transunion XXXX. My credit freeze free membership reflected I was XXXX XXXX military. I have never been in the military. I spent all day trying to talk to a customer service representative. It took XXXX attempts before I was able to have the freeze taken off. 
XXXX I had an employer inquiry on my credit report. I tried to dispute the inquiry but was unable to online. In a couple of days the inquiry disappeared. How did this happen? 
XXXX I had a security question that I answered correctly. Unable to access my account. 
XXXX I was unable to look at all my security questions. XXXX of the security questions I don't recall adding to my account. I can no longer find the question XXXX My updated information was not transferred to my other membership accounts. 
XXXX I requested a fraud alert on my account due to having incorrect military information and fearing my identity has been stolen. No help that day. 
XXXX Only being able to submit XXXX dispute at a time. 

It is unacceptable for a credit bureau to have these complaints. Disappearing information, incorrect freezes etc. It is unacceptable that there are XXXX logins. They are making it harder for their clients not easier. The credit bureau should be held to the same standards as financial institutions and banking.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (OH)

File XXXX Contacted repeatedly regarding a debt from XXXX owed by my father that died in XXXX. Have repeatedly informed them ( both on calls and with letters ) that my father never had services from XXXX. I finally demanded they furnish proof of the charges they say my father owes. They say it is on my dead father 's credit report now that he has a collection against him. When I got the proof it turns out they never even bothered to verify the name or address, but just picked my father 's name out of the blue. We provided death certificate from XXXX for the bills that were from XXXX & XXXX. And we proved by a two-minute internet search that the XXXX XXXX they wanted was really XXXX XXXX XXXX at the address in XXXX on the bills they sent, not my father who lived in XXXX, Ohio and never XXXX. And XXXX XXXX XXXX is not the same as XXXX XXXX XXXX. All of this was provided multiple times and yet they still continue to send me demand letters. They deserve to be put out of business. My time and money should not have to be wasted because they are XXXX. I have asked my personal attorney to draw up a lawsuit for harassment and aggravation, but I would prefer the CFPB put them out of business.
Consumer complaint received 2020-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keystone Credit Services LLC (PA)

I applied for a mortgage and got denied because of an account that I've never even heard of, so I did my research, learned from the internet, that I have to dispute the account with the credit bureau that is reporting it, which I've done, and the account was VERIFIED as accurate. I then found a dispute letter and mailed that directly to Keystone, to which they have recently replied. I mailed the dispute to the address reported on my credit report. XXXX XXXX XXXX XXXX XXXX, PA. If I XXXX search that address I can find Keystone collections as well. SO they mailed me a response telling me that they received the letter, provided me with a better address to contact them and told me that I did not supply enough information to process my dispute, however the account still appears on my credit, from their company. If they can not process a dispute in reference to the account, they can not verify it to the credit bureaus. Fairly simple, they have violated the FCRA and FDCPA