davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK (TN)

On XX/XX/XXXX my wifes account ( XXXX XXXX XXXX ) was debited {$170.00} from a check that was issued originally in XXXX of XXXX. The check was a part of a deposit to XXXX XXXX ( our business ) in the amount of {$740.00}. A computer glitch as I have been told occurred effecting many of First Horizon costumers. The next day XX/XX/XXXX they corrected their error and took the funds from XXXX XXXX. However, they have failed to refund the money removed from my wife account ( as of today XX/XX/XXXX ) and others that was effected by FH. I have tried many times to get FH to correct their mistake, they have not. The answers I get is for us to contact our other bank XXXX XXXX  and have them request a correction be made on her account. They have also said that I should not worry about these other people unless they contact me first. Only one person has gotten their money returned to them. This not a very good business practice in my opinion.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022 I applied for {$7200.00} Care Credit Medical Card and was denied. On XX/XX/2022 I received a email stating I was denied because I was a High risk source of application. with no credit check from the company.
Consumer complaint received 2022-06-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blackrock Mitigation Group LLC (CA)

I believe it's a fake law firm. It was a {$300.00} dollar pay day loan from more than 12 years ago that I paid and they are asking for almost {$1000.00}
Consumer complaint received 2022-06-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I've sent several letters including the last letter on XX/XX/2022 regarding inaccurate information reporting on my credit and to this day which is almost 60 days I have yet to receive an response. My letters are clearly being ignored and the I feel like I'm being taken advantaged of at this point. My next step is to file a complaint with the federal trade commission and XXXX. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I do not want these items updated. I want them deleted immediately. I will file litigation if they are not deleted from my credit report because of the stress that it's caused.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Selip & Stylianou, LLP (NY)

Slip and stylianou has had my wages garnished last year for a debt that a judgement was placed in XXXX of XXXX, that I never recieved a summons or any paper about until wages were being garnished in XXXX of XXXX. The original debt was for a credit card of {$600.00}. During the last year of employment with my previous employer I had a total of {$1600.00} taken out. I called the above mentioned law office and was told a different amount than what's on my sheet from XXXX that's due. The judgement amount shouldn't change to be higher when payments were made. XXXX XXXX XXXX is saying that only a few XXXX dollars has been paid. I don't understand what the correct totals are and was not properly informed back in XXXX that it was even being taken to court. With what I have paid so far and statue of limitations with the original debt passed off to a creditor it seems unfair to have to keep paying now.
Consumer complaint received 2020-02-15
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. (FL)

My payments to carrinton mortgage was on time XX/XX/XXXX and XX/XX/XXXX. XXXX I sent the regular payment on time XX/XX/XXXX for XX/XX/XXXX. The escrow changed in XXXX and they called me. I made the difference over the phone.
Consumer complaint received 2019-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A dispute was submitted to TransUnion regarding a 30 days late listed on my credit report for the month of XXXX, 2019. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. TransUnion stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also more than the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well. This proves that the XXXX payment was paid days early and was not 30 days late at all.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, XXXX and XXXX are reporting an inaccurate late payment for the XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment notice posted in XXXX of XXXX. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION, XXXX and XXXX violating my federally protected consumer rights. To add to this I did not give TRANSUNION, XXXX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION, XXXX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  XXXX  reported me late for XX/XX/2020. I sent the regular payment on time. They called that the payment had changed due to escrow changes. I paid the difference over the phone. A consumer can not be reported late due to escrow changes
Consumer complaint received 2019-11-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servis One, Inc., Titusville, PA Branch (GA)

Asked for the name and address of original creditor, Did not cease collection after notified of dispute. No contract with them, power of attorney was revoked to able to assign. No contract, harrasment and false statement on letters, never returned a response by affidavit, defaulted by not answering never sent a true bill. I am not deceased.
Consumer complaint received 2020-02-15
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: LEXISNEXIS (GA)

My identity was stolen, I don't know how but checking my credit there since to be a number of accounts in my credit report that do not belong to me, most recently inquiries in my credit by XXXX  XXXX, and a XXXX 's card that was clone I did filled out a polices report but I don't have it right now, lead me to believe someone has been using my name to open accounts fraudulently without my knowledge, please remove the accounts listed from my credit.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have received a check last Friday from XXXXne of my clients and deposited it in my bank account on Friday and it left the clients account on Friday. I went to the bank o XXXX XXXX closer to my business, I talked to the branch manager inquiring about the check and she told me it has been held for 10 days .When I asked for the reason, she said that she did not know. I asked for a district manager number, she gave me a number that did not work. I asked her to call the district manager to answer my question, she turned around and ignored me and went to other customers .I raised my voice to get her back, all of a sudden she called the police and she claimed that I was aggressive, just because I was inquiring about my money in my account XXXX XXXX XXXX XXXX  XXXX pushed me towards the outside the bank, he searched me for weapons then he cuffed me and put me in the back of his police car for close to an hour where I had a XXXX XXXX, my XXXX kids were watching the whole drama and were videotaping all the incident, adding insult to injury, the bank asked for a criminal trespass against me. I am a business man running four big  companies, I owned my own business for 15 years and never been in trouble with the law. I have been humiliated and been detained in the back of a police car, my civil rights have been violated, I need your help, I can not look in my kids face anymore, I am a single dad, full time custodian .My kids and myself are XXXX, we could not believe what just happened The bank had put my check on hold for no reason, and humiliated me when I asked for the reason for the hold.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MI)

To whom it may concern : Back in XXXX of XXXX my credit card was lost or stolen and some one has run up a balance of {$9400.00}. I contacted Navy Federal Credit union to report that card was missing and charges were not made by myself or anyone I know. NFCU posted a provisioning credit for the time being. On XX/XX/XXXX I've received a letter from NFCU stating that there were no billing errors occurred and the provisioning credit will be reversed on XX/XX/XXXX. I tried contacting and writing to NFCU ever since with no luck. I would like to appeal the decision and would like to know exactly which criteria was used to determine this outcome. Because I have proof to verify that I was nowhere near those location where the credit card ending in XXXX was used. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Good evening I have called several times to TransUnion stating that I need to file a dispute on fraudulent inquiries that I have no knowledge of and I also explained that someone is using my social and applied to several different places also I have called the companies where the inquiries were ran and they directed me to the credit bureau I have a total of over 80 inquiries that I did not authorize and most of them are from car companies recent from 2019
Consumer complaint received 2022-10-14
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. (TX)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

This complaint is to formally request the removal of the collection account associated with CONSERVE Account Number XXXX from my credit report. 

I have already paid this account in full on XX/XX/2023. 

Since the debt has been fully satisfied, I am requesting that you initiate the process for its complete removal from my credit report.
Consumer complaint received 2022-12-18
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and 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 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion is reporting An account that no knowledge that is an inaccuracy on my credit I have sent them several letters and the issue was not rectified as yet
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MO)

I have requested once via registered and once via certified mail, on XX/XX/XXXX and XX/XX/XXXX XXXX, that American Express NA send me a front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account., according to the Fair Debt Collection Practices Act 15 USC 1692. I have also requested they fill in and sign an affidavit. 

American Express has not fulfilled either of these requests, according to the law as of today, XX/XX/XXXX. 

American Express NA did send me a letter saying they DO NOT have the document that I respectfully requested. Therefore, American Express is in VIOLATION of the law.
Consumer complaint received 2019-07-03
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. (GA)

Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still an account XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (ID)

In XX/XX/XXXX, I received student loan forgiveness through the Public Service Loan Forgiveness Program ( PSLF ). My loans were forgiven, and I received notice of such. However, prior to this, I had also submitted an application for Borrower 's Defense, and as such I was determined to be a full-class member of the XXXX XXXX XXXX XXXX XXXX XXXX to Borrower 's Defense to Repayment of loans from XXXX XXXX XXXX XXXX I received notification from the Department of Education that my loans for the XXXX XXXX XXXX  would be discharged per this settlement agreement, all line items pertaining to these loans would be removed from my credit bureau report, and I would receive refunds of monies paid toward these loans. This notification was dated XX/XX/XXXXXXXX XXXX XXXX 

The Department of Education said on their website that they shifted my loan information to Nelnet, however Nelnet had no record of me. They did, however, have line items on my credit bureau account that I had paid off student loans with them. I have filed several complaints with the Department of Education and they are " in review '' for months now. They are leaving it to Nelnet to handle, but Nelnet has no idea who I am and have absolutely no info on my loans- or so they say. 

I filed a complaint with Nelnet and they did call me and made a log-in to their website available, but there was no information other than my contact information on that site. A few months ago, they changed something and I am unable to log in to Nelnet any more and I get stuck on hold for interminable periods of time and then get hung up on. No one seems to be able to help me, either with the Department of Education or Nelnet. Would you be able to light a fire under them and provide me information on where my settlement agreement refund monies are? Note : I had student loans forgiven that were NOT to XXXX XXXX XXXX those are not the ones that are in dispute, only the loans taken for the XXXX XXXX XXXX
Consumer complaint received 2023-06-24
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXXXXXX XXXX XXXX : {$0.00}, XXXX XXXX XX/XX/, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : {$4300.00}
Consumer complaint received 2022-12-17
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: FC HoldCo LLC (NY)

I have noticed there are some late payments on my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from Flagship credit acceptance. This is a violation of my right per 15 U.S. Code 1666b which states in section A -Time to make payments, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any letter by mail before my due date and by law my payments cant be reported as late. With this information I have provided you, I ask that you delete all late payments from my credit report.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc. (MI)

On XX/XX/XXXX, I made a sale on the Mercari site for the amount of XXXX. After selling fees. On XX/XX/XXXX I tried to transfer the funds instant pay to a XXXX XXXX account but the transaction was declined. XXXX XXXX would not accept the transfer. Mercari depleted my account and never returned the money due to me. I contacted them multiple times and even the XXXX XXXX XXXX. I confirmed with cash app they didnt get the transfer but Mercari still kept telling me they dont have the money. They sent me messages saying thanks for your time but we dont have it. The stole my money after I sold my items in their site.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I am requesting my " free '' annual credit report from Equifax. Several months ago XXXX  made my report available over the Internet immediately. 

Equifax is denying providing me a report after they presented 5 questions to me concerning imaginary accounts, and none exits. In fact, I have not used credit or credit related services in 20 + years. I have a report that reflects just that ... and XXXX sent it to me. 

What is the problem with Equifax complying? 

My first contact with them was XX/XX/XXXX, and my last contact with them was today, XX/XX/XXXX.