davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

Opened an account with Square to process payments. They closed my account and I have numerous times attempted to resolve a payout of my account. 

They will not even answer me any more and it's been way more than 90 days since I was shut down, the next step was supposed to be a payout
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (NJ)

I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX  where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Consumer complaint received 2019-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX
Consumer complaint received 2019-01-23
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. (CA)

I have a XXXX/XXXX card, with insurance from XXXX  XXXX! In XXXX my dad became ill, and I called on this card 3 times to use the insurance. I was advised 3 times from XXXX to XXXX that I did not have insurance on this account from XXXX! In XXXX I get a letter that my XXXX  XXXX insurance had been terminated for not meeting the minimum payment? 

XXXX  XXXX has been paid from XXXX through XXXX and they stated that there was nothing that they could do to resolve this issue, and referred me back to XXXX, which also informed me that it was a separate company and it was nothing that they could about it! 

Please help I feel that this is an unfair business practice! One of these companies took my money for a service and would not honor the service when I needed it! Please help
Consumer complaint received 2019-11-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (IL)

I currently have an active account with Santander Consumer USA. They have reported on my credit report that it is charged off/closed. That is not true because I have an open car loan with them and I pay the car loan monthly. I have contacted Santander Consumer USA and they have not corrected this on my credit report.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

On August 15, some unknown accounts were taking money out of my checking account and they took XXXX XXXX but they took it out in small sums. This is the second time it has happened with these scam accounts and companies
Consumer complaint received 2023-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

For months I've been Disputing Transunion about 2 US DEPARTMENT OF EDUCATION accounts XXXX & XXXX to be deleted from failure to validate, obligations to fairness and privacy and inaccuracies. 

I have multiple letters daily from TransUnion Reporting Agency of inaccurate and willful non compliance and Neglect.
Consumer complaint received 2022-08-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent in numerous documentation proofing I dont owe on a auto with XXXX XXXX. 
Bureaus have received proof of documentation stating I do not owe this lender and they are still reporting as a repossession on my credit report when the vehicle was totaled. I have repeatedly tried to get this handle with all 3 credit bureaus and nothing have been resolved.
Consumer complaint received 2020-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

I was trying to purchase concert tickets from a Venue ( XXXX XXXX, XXXX, MA ). There was an individual who was selling tickets on the Theatre 's web site. I contacted this person and had an exchange via XXXX  messaging. They asked that I send the money Via Pay Pal ( {$80.00} ). I sent the money. They disappeared and have ceased all contact, and the money was transferred. I filed a complaint with Pay Pal and they said I authorized the charge so there is no resolution for me. I did not receive the goods. What recourse can I take. I have the persons email, XXXX  and the messages pertaining to this transaction. Help. I thought if I went through PayPal my purchase would be protected, apparently not. 

Case Id from PayPal is XXXX.
Consumer complaint received 2024-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC (IL)

Global Lending Services LLC has closed and charged off account. GLS has not issued IRS form 1099-C as required by law.

Previously submitted CFPB complaint XXXX. Issue never addressed.
Consumer complaint received 2023-04-01
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. (GA)

The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer report.
Consumer complaint received 2023-04-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and Transunion about the dispute not correcting the error and follow that up with another dispute. TransUnion close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX  XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and Transunion refuses to fix it it is affecting my credit score to the point that I was denied a new card.
Consumer complaint received 2022-08-28
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. (MO)

I have documentation to prove XXXX XXXXXXXX XXXX used my credit report fraudulently. They input my address as an old one. When I use to live in Arizona. I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. Thank You very much for your help with this matter. XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 Bank ( XXXX ) XXXX See an error? Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (GA)

I emailed XXXX on XX/XX/2019 to advise that we had conflicting information - no response. 

I called on XX/XX/2019 - verified that we had conflicting information, and advised the representative that my lease had been paid in full and to discontinue taking funds from my account. 

My payments have not been accurately reflected on their records.
Consumer complaint received 2019-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (CA)

We purchased a home with Taylor Morrison and closed on XX/XX/XXXX and used their financing company, Taylor Morrison Home Funding. We are in the process of refinancing with another company to capitalize on a lower interest rate and the new company ( XXXX XXXX XXXX XXXX XXXX ) have been in contact with Taylor Morrison to obtain a payoff amount and Taylor Morrison is refusing to give the payoff amount to us or the other company in order to finalize the refinance loan. They are stating they sold the mortgage to another company, however that company ( XXXX ) is not servicing the loan until XX/XX/XXXX. Taylor Morrison home funding is the current servicer of our loan and they refuse to give us Or the other companies the payoff amount. 

The request was made for a payoff in the middle from both XXXX and XXXX and after multiple calls and emails they still refuse to give the amount or documentation needed to close on our refinance loan which they are servicing until XX/XX/XXXX. We only have a few days before our rate lock is up and they ( Taylor Morrison & XXXX ) are not responding with the information XXXX needs to approve our refinance loan. 

Due to their ( Taylor Morrison and XXXX ) questionable businesses practices they are not allowing my husband and I to obtain better financing for our mortgage which will be a huge financial impact after a few years.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Daring back from to 2020 Transunion has been fraudulently reporting and alleged bankruptcy to my consumer report. Upon noticing the change to my consumer report, I immediately contacted US Bankruptcy Court of XXXX XXXX  and asked them if it was in their policy to furnish information to credit reporting agencies. They returned a letter back to me and notified me that it was not in the policy to report any information to any credit reporting agencies. I then contacted Transunion and was told that XXXX XXXX was furnishing this fraudulent and inaccurate alleged bankruptcy. XXXX XXXX denied ever reporting this information and sent me a letter notifying me that they had attempted to contact the three major credit reporting agencies ; Transunion, XXXX and XXXX and requested that the information that was being furnished to my consumer report be removed. Since then Transunion has willfully and knowingly been furnishing this fraudulent and illegal bankruptcy to my consumer report however this time they informed me that they were getting their information from a company called LCI. I have since contacted LCI and informed them that they were violating my federally protected consumer rights pursuant to 15 USC 1681a ( 4 ) and my right to privacy. I have also notified them that I have been been in contact with bankruptcy court and they have notified me that they do not furnish any consumer information to ANY CONSUMER REPORTING AGENCIES. I also informed them that I have been disputing this alleged bankruptcy since 2020 and have consistently demanded that this fraudulent public record be removed from my consumer report pursuant to 15 USC 1681s-2 and it is still being furnished to my consumer reporting and has caused me XXXX, financial hardship and distress. In addition to this pain and suffering I have experienced I notified LCI that they are willfully and knowing engaging in violating my federally protected consumer rights and a representative informed me that they could not do anything other than pass my request along and wait for someone to get back to me. I have not heard back from ANYONE in reference to my request!
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX  has been reporting my mortgage payments on my ex-husbands credit report and not reporting on mine at all. We were divorced in XXXX. The house belongs to me. He has never paid the mortgage. I filed XXXX  XXXX bankruptcy in XXXX and finished in XXXX.
Consumer complaint received 2020-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/2019 my Federal student loans were discharged due to XXXX ( XXXX XXXX XXXX ). Despite several calls to Navient to see what my options were for a total permanent XXXX discharge. Navient refused to discuss the matter or offer any assistance. I researched everything on line myself, submitted the application and physician certification. Navient was NOT helpful at all, On XX/XX/2019 I contacted Navient, my student loan servicer, to discuss what steps I needed to take regarding a private student loan that they are servicing now that the Federal loans had been discharged. 
The loan was taken out as a XXXX XXXX loan in the amount of {$5000.00}. The loan is now at {$12000.00}. I understand the XXXX XXXX follows the Federal discharge process and that private loans will be discharged once the Federal loans are discharged. 
I asked Navient what the options were for discharge and they told me that I would need to submit a " separate form '' for discharge. The " separate form '' is not available on their website and they refuse to email it to me citing " corporate policy ''. The representative said the form would be mailed. I have called twice to follow up and still have no form. 
I have provided my physician certificate affirming XXXX to Navient electronically and via USPS. I have received no acknowledgment of their receipt. Navient is still collecting on the debt, still calling me, and still accruing interest and late fees. 
Today the Navient representative told me that my loan was not a Sallie Mae loan and is not eligible for discharge. How can this be when the lender was Sallie Mae? 
I am so concerned because I am reading disturbing things about Navient online. I want to have my private Sallie Mae loan discharged via XXXX but Navient seems unwilling or unable to assist me. Something is very wrong with this company.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2020-11-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (ND)

Received letter to on XXXX to collect a student loan that is being collect by Navient and or Dept. of Education. And XXXX who I have not received any letter of my complaint XXXX. Navient nor Dept. of Education has contacted me on any changes. 
I do not agree with amount owe per any of these companies who failed to provide proof of legal identity. US Dept of Education and Navient indicated no payment until after XX/XX/21 signed by President Trump. These company are harassing me. Until I get official notification from Navient and US Dept of Education, I assume this is fraud.
Consumer complaint received 2019-09-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan 6 months back for XXXX dollars. My balance is now XXXX dollars and I cant afford to pay that. This will financially ruin me. The money compounds and I owe more each day.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and Experian on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.