davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Consumer complaint received 2020-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of XXXX Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged XXXX customers for exceeding data cap btw that was from FTC i filed also
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (MO)

On XX/XX/XXXX I discovered my card would not go through at 3 different locations so I called us bank focus prepaid card they asked me if i returned a purchase to XXXX  XXXX XXXX  and I did so they said that my card was inactive because the credit raised a red flag the credit is only XXXX $ I asked them how does a credit raise a red flag they said the credit should of went on another card and not the focus card because the focus card was not the original form of payment. I told her I asked the worker which card it was and she said the last 4 numbers on the card which i think the worker got confused. So the US bank rep said i needed to send in proof of purchase from the store I have sent in this receipt several times and US Bank keeps telling me check back in 4 hours then check back in 2 days basically I am getting the run around since XX/XX/XXXX. Every-time I call they tell me they didn't get the receipt and I have all my confirmation emails that said it went through successfully. I have my whole paycheck on this card and I would like to get my money off of this card because I have a bank account I dont need this pre- paid card. I have talked to every bank rep and they all keep saying just anything to get me off the phone and this is not fair they are holding money.
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (AL)

A company named Bay Area Credit Service is purchasing false debts from fraudulent companies that are selling false debts on medical patients, in my case specifically " XXXX XXXX '' their urgent care system " XXXX XXXX XXXX. Have made contact with Bay Area Credit Services on XX/XX/2020, and they no longer have my name in the debt records, however they are still trying to collect a debt that is not owed, and stated " I do not have you in any of our databases, so I can not tell you how much you owe or who the original creditor was that we bought the debt from. '' Shortly after prompting me to give them my Social Security Number. '' This company executing fraudulent practices could not be any more obvious. 

How can these types of predatory business practices be allowed to exist? XXXX  XXXX has a known lawsuit against them please see link below : https : XXXX
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Lendmark Financial Services (MD)

I currently have a car loan showing up on my credit report with Lendmark Financial because the company combined my car loan with a personal loan without my knowledge. They said that they were helping me lower my monthly payments, but they never explained they were turning the full balance into a used vehicle loan. When the company combined the loan I only had about {$1500.00} left to pay off the vehicle. They made the new balance for the used vehicle loan {$6700.00}. I didn't figure this out until XXXX when I attempted to purchase a vehicle. The company stated that it was used as collateral for the loan, but that didn't make sense because the vehicle wasn't worth that much. The company also stated that the manager that did this no longer works for the company. I no longer have the vehicle and at this point the balance of the loan is {$4200.00}. Which means I covered the cost of the vehicle loan. I will attach the accident report showing that I no longer have this vehicle. The vehicle I am referring to is a XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-16
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: Bread Financial Holdings, Inc. (NY)

Comenity Mastercard Credit Card has not reported to the Credit Bureau since XXXX XXXX. If a balance was due then, it still is showing 6 months later. This is not acceptable. 
I have been in touch with them several times and keep hearing it will be corrected. It has not been corrected. 

Credit is so important!!
Consumer complaint received 2023-05-06
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. (NY)

I want to notify the credit bureaus AGAIN that I was a victim of identity theft and that I would like these bogus items removed from my credit file as a result of the claimed identity theft. CREDIT BUREAUS is obligated by FCRA 605B ( 15 U.S.C. XXXX  ) to REMOVE any items specified in Identity Theft. HERE IS THE LIST OF ITEMS THAT I WANTED TO REMOVE AGAIN! 


XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 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
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Entered into Bankruptcy in XXXX ( XXXX  XXXX ) and voluntarily dismissed it on XX/XX/XXXX. Wells Fargo ( XXXX XXXX XXXX ) is stating I have failed to make payments and has moved forward with foreclosure proceedings. However, the Bankruptcy Trustee made payments and provided documentation to Wells Fargo attorney, XXXX, XXXX XXXX  XXXX, proving payments had been made. On XX/XX/XXXX, I spoke with a Representative at XXXX ( ID # XXXX ) & requested proof of payment history in order to compare to the payments made by the Trustee. To date, I have not received this information.
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

This case is a follow-up to Complaint ID : XXXX, where the full complaint details are attached within the PDF files below. 

When calling Navy Federal Credit Union looking for a resolution, they were unable to address the concerns I had with their company and the reasons why they breached my security ... nor did they resolve my issue regarding communication directly. 

Instead after breaching my security, by letting the Co-Guardians submit papers via fax, Navy Federal Credit Union allowed the Co-Guardians to re-release held with funds from my accounts or assets at the time, and re-write the beneficiary to the Co-Guardians themselves. 

As discussed, in the previous complaint against Navy Federal Credit Union, the Federal Credit Union handled the matter internally, but did not communicate with me ... the former account-holder about the circumstances. 

I may be unable to contact the credit union based on unethical standards performed in the transaction of {$1800.00}, based on their policies ... but I have attached an authorization to release information form ... which should be routed to an appropriate party. 

As Navy Federal Credit Union is unwilling to share more information with me, and the Co-Guardians deposited the funds into a separate account, legally and specifically blocked to my access ... I would ask this secondary complaint to be submitted to them. 

In addition, since there may have been financial theft or losses, by the credit union regarding my assets or membership, which seems improper to me ... and/or other parties, I am attaching the Authorization To Release Information, signed by me to overturn their unethical decisions and release information to the appropriate attorney.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Consistently, I've made sure payments on this account are always on time, never allowing them to become overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Im a victim of identity theft someone got hold of my XXXX card and used it when I first found out I contacted the company right away which they blocked the card and send me a new card, but for some reason they still want me to pay for the items I didnt have
Consumer complaint received 2020-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc. (IL)

I scheduled a payoff payment on XX/XX/2020 in the amount of {$1700.00} to be transacted on XX/XX/2020. I contacted the company on XX/XX/2020 to determine the exact payoff amount because a payment would be debited on my personal checking account on XX/XX/2020 and needed to confirm if I should deduct the amount from the payoff amount. I was advised by XXXX that I should CANCEL the {$1700.00} payment and schedule a payment for {$1300.00} which would be the payoff balance on XX/XX/2020. I did as advised and cancelled the payment online on XX/XX/2020. XXXX confirmed the payment was cancelled. On XX/XX/2020 Prosper processed an ACH Debt transaction in the amount of {$340.00} which was the standard scheduled payment. On XX/XX/2020 they processed an ACH Debit on my personal checking account for {$1300.00} leaving a XXXX  balance. On XX/XX/2020 they also fraudulently processed an ACH Debit on my personal checking account in the amount of {$1700.00} against an account that had a XXXX dollar balance. On XX/XX/2020 I immediately contacted Prosper when I noted the fraudulent transaction that was not authorized. I was advised the transaction was done but would not be corrected until XX/XX/2020. I advised XXXX, XXXX and XXXX in three different conversations that the return of the stolen funds was NOT acceptable and the amount had to be returned today. They could not provide any proof the money was being returned or a transaction number of the return of the funds. They are currently refusing to return the money that is not owed in the amount of {$1700.00}. I was unable to escalate the call as they would not allow me to escalate. This money should be returned to me with interest and the company should be charged with fraud.
Consumer complaint received 2020-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

XX/XX/2020 my student loan payment was due. For the first time ever I saw a red text below my payment saying it was past due. Payment was not taken out until following Tuesday. I reached out to their fed loan XXXX page. They messaged me back said someone would reach out to me. On Thursday I got a call I did not recognize. I got a voicemail apparently from someone from fed loan. They wanted me to call them back at XXXX which I did but it sound like a scam because the first thing I heard was a voice recording saying were excited to offer you a special promotion followed by the question of is someone in your house 50 years or older. Also this person called from a different number XXXX. Im in the public student loan forgiveness program.. I do not want fed loans system errors disqualifying me from the program. I make my payment on time every time! They still have not proved to me that this issue is resolved. Please help make sure their business practices or more thorough so I can get an answer.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

This complaint is regarding the following bonus sign-up offer through Citi bank XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, a deposit of {$50000.00} was made to qualify for the {$450.00} opening balance. All contingencies were met and verified as such through online chats with Citi representatives. The 30-day payment window has since passed. From the link above, " Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. '' An official case ( # XXXX ) was opened with Citi regarding the non-payment and violation of the terms of service. On XX/XX/XXXX, an online agent told me it could take up to 5 days to resolve. Upon inquiring with an online agent on XX/XX/XXXX about the claim 's status, I was told it could take up to 15 business days. Throughout this process, I've been told conflicting information numerous times by Citi online representatives. When I notify them of this, they say they'll " refer the other agent for coaching. '' Meanwhile, if I had violated the terms of the agreement, it is guaranteed they would immediately disqualify me. I'm getting the runaround on my deserved sign-up bonus, and I feel like the CFPB should be aware of this practice by Citi. While I wait, I'm forced to keep my account with them open and in good standing, meaning they're holding my deposit XXXX while they delay paying me my deserved sign-up bonus. From the above link, " Fourth, your Savings Account and your Citi credit card account must remain open and in good standing from the time the Savings Account is opened until you receive your Bonus. ''
Consumer complaint received 2022-12-28
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)

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. 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 2020-04-02
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. (MD)

i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible
Consumer complaint received 2020-04-02
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. (MI)

EQUIFAX AND XXXX  failed to check with alleged furnishers to validate all alleged debts in dispute that furnishers claim plaintiff owes. Equifax received Plaintiffs debt validation letter on XX/XX/2019 ( tracking # XXXX ) and XXXX  too received the letter on XX/XX/2019 ( tracking # XXXX ). Plaintiff disputed alleged debts with the following creditors through XXXX  XXXX XXXX/XXXXF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX  Its The credit Bureaus job to do a reinvestigation of the disputes. 
XXXX and EQUIFAX did not prove in details what steps they took to verify if the debt is in fact the plaintiffs.What system and or method did XXXX  and EQUIFAX use None of these alleged creditors can show an original contract with a wet ink signature on it with plaintiffs name on it. Plaintiff argues that plaintiff can NOT agree to a mere COPY of any signature. XXXX  and EQUIFAX are the ones reporting therfore plaintiff is questioning the credit bureaus.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (MS)

I've sent an affidavit to Experian, XXXX, and XXXX showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of XXXX. They refuse to resolve these issues
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX, XXXX XXXXXXXX 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 XXXX
Consumer complaint received 2020-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wallace Management Company, LLC (AL)

I called Liberty Finance in XXXX Alabama today, to try and defer my payment just 1 month due to the Coronavirus outbreak and my job being at risk of shutting down temporarily. XXXX told me that they were not doing that and couldnt do anything to help me besides waive my late fees. This is a national pandemic. I am shocked. I have always paid my Bill 's on time and now when I need their help the most the company flakes on me and tries to get me to use the money that I've already paid and reopen another loan which is ridiculous.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/20, Comenity Bank made an unauthorized payment of {$620.00} on my account. This made my account turn negative and take my entire paycheck. I called and stated I never authorized the payment and explained our current situation due to Covid 19 and they hung up the phone on me, and have not responded to my emails. I did NOT authorize this large payment and they would not provide proof.
Consumer complaint received 2022-12-28
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. (MS)

I've sent an affidavit to XXXX, TransUnion, and XXXX showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of XXXX. They refuse to resolve these issues
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NJ)

The Merchant is attempting to charge me for an item I have not received. Paypal is debiting my account and not allowing me to submit proof I have not received the item. Paypal is not accepting responsibility for making sure transactions they process are not fraudulent. Paypal is ignoring fraud activities that are occurring on a regular basis for XXXX transactions. Merchants are using a loophole in XXXX policy to ship purchased items to unknown shipping addresses in order to hold purchasers reponsible for paying for products or services they never receive. As underwriter to these transactions PayPal has an obligation yo insure Merchants that post transactions through them are not committing fraud. Instead, Paypal ignores any attempt to report fraud and pulls money out of my account without giving me an opportunity to dispute. I have reported suspicious PayPal and XXXX activities to the U.S. Federal Bureau of Investigation ( FBI ). Paypal needs to take responsibility and address fraudulent transactions from Merchants they have vetting and approved to use their payment gateway. They do not take responsibility. I have attached documentation for a case where a Merchant is using an XXXX loophole to charge me for an item I did not receive. Also, the merchant issued a fraudulent insurance claim to collect payment twice. Paypal refuses to discuss the fraudulent activity with me and chooses to just withdraw money from my account without reviewing any documents from me.