davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX-Current, Seller XXXX XXXX XXXX XXXX trustee for computer learning centers, states that a dispute from Portfolio Recovery Associates, XXXX ( " XXXX XXXX '' ) that I owe a balance of XXXX from XXXX, I paid XXXX dollars to settle this account in or around the years of XXXX to current. They submitted documentation to me regarding an educational loan back in XXXX, where I am the buyer of an educational course from computer learning center of XXXX, which was located at XXXX XXXX XXXX XXXX, XXXX, il XXXX. I would like to know how I am still responsible for this and why their is a lean on property against my name for this account till this current date and I was able to purchase as a buyer an educational course but not an apartment or an house.
Consumer complaint received 2023-07-05
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2022-07-25
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. (PA)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXXXXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I defaulted on a credit card account with USAA Federal Savings Bank in connection with my divorce in XX/XX/XXXX. The account was charged off in XX/XX/XXXX, and I offered to settle with them in early XX/XX/XXXX but they rejected the offer. USAA-FSB continues to report this account as open and each month reports payments as more than 90 days late. This is a false report and is being done intentionally to inflict the worst possible adverse impact on my credit. I have contacted USAA FSB about this issue on no fewer than three occasions. They respond almost immediately ( apparently before even investigating ) and refuse each time to correct the entries.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Several listed accounts are incorrect, and it's unsettling for me.
Consumer complaint received 2018-08-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Equifax, XXXX XXXX, XXXX not reporting things right. First off XXXX company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX XXXX or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.
Consumer complaint received 2018-08-21
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: EQUIFAX, INC. (FL)

The following information should not be appearing on my Equifax report and they keep putting it back when all this should have been removed. It has been an ongoing problem with them. XXXX and XXXX cleared it from my records but Equifax keeps being difficult. 

XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (AL)

I have reached out to Equifax 6 times about 2 old accounts that I had with XXXX XXXX XXXX. The account has been paid in full, and it is too old to still be reporting. They are reporting incorrect dates on this account and they are reporting that I made a payment on this account back in XXXX which is not true. They are also falsely reporting that this account is in a wage earner plan and it is not.I have also been denied credit numerous times because of these accounts. I am requesting that this account be deleted. Equifax is in violation of my rights under the FCRA and these errors are preventing me from obtaining credit. They also refuse to send me the results of the investigation that they claim they did. 

Again the errors are outlined as follows : Wrong dates Too old to still be reporting Has already been paid Falsely claiming to be In a wage earner plan Not providing me documentation of the investigation that they claim they did
Consumer complaint received 2022-03-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Hello I have tried Numerous of times to dispute 2 XXXX federal accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.
Consumer complaint received 2020-02-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services (VA)

I HAD A STUDENT LOAN THAT WAS CLOSED AND TRANSFER BUT THE MAIN ISSUE I AM HAVING IS I AM MISSING MY PAYMENT HISTORY ON THIS ACCOUNT. FOR THE MONTH THAT I HAVE MADE PAYMENT. WHAT THE REPORTING AGENCY ARE REPORTING IS NOT ACCURATE. I CALLED IN AND I EVEN TRIED TO REACH OUT TO ED FINANCIAL WITH NO LUCK. THE LOAN TRADE LINE XXXX MY PAYMENT HISTORY ON THIS ACCOUNT BEGINS XX/XX/XXXX XXXXAND IT GOES TO XX/XX/2012 I SHOULD HAVE 24 MONTH OF GOOD PAYMENT HISTORY ON THIS ACCOUNT BUT WHAT ITS SHOWINGON MY XXXX  AND MY XXXX XXXX CREDIT REPORT A VERY IN COMPLETE MISSING ALOT ON XXXX XXXX IT ONLY SHOWS 7 MONTHS OF HISTORY ON XXXX  IT SHOWS 9 MONTHS ONLY. ON BOTH IT NEEDS TO BE UPDATE TO SHOW THE COMPLETE.
Consumer complaint received 2020-07-29
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. (NY)

Hello. 
I am finding that Transunion is having a lag in their credit reporting especially when it comes to properly reporting the credit available, credit account information, and when disputed it took them over 3 weeks to review but it's an ongoing issue. I don't have these issues with XXXX  and XXXX. Somehow, these two companies are showing updated information and proper reporting with 2-5 Business days while Transunion is reporting 3 weeks later.

Please reach out to the organization to inquire about their reporting practices and how long does it take updated information. 

Thank you, XXXX
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I was charge XXXX NSF by Chase to my checking account, for XXXX purchases that were pending for a few days but posted that day. 

I dont have overdraft protection on my checking account. The XXXX transactions associated with the NSF was a POS transaction, recurring payment, and an online e-check payment, and all were made when the account had a positive balance. 

One online payment, which should have been denied due to not having overdraft protection, was requested on XX/XX/XXXX and posted on XX/XX/XXXX to the account which caused the account to go negative. Coincidentally, all XXXX transactions that were pending decided to post that day too. All XXXX transaction then resulted in a NSF. 

Why is it setup this way? Why didnt chase have that transactions in limbo for a few days, like it did the others? Why did it backcharge me, but for NSF when at the time of the purchase the account balance was sufficient? 

The method in which system employs to post transactions favors fees and overrides not having overdraft protection, as the online payment should have been denied or posted last, since it was the last transaction made. However, it was posted first causing me to owe {$100.00} in NSF under false conditions set up to defraud me. 

Im making this complaint in efforts to regain my money and for it to be the record the method chase uses to take money from their customers. 

Timeline of transactions : XX/XX/XXXX : - {$75.00}. e-check payment XX/XX/XXXX : - {$10.00} recurring gym payment XX/XX/XXXX : - {$13.00} POS debit XX/XX/XXXX : - {$82.00} online payment Chase then decides to go back to the future and charge me fees for transactions that were made when the account had a positive balance.
Consumer complaint received 2020-02-02
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America have reported fraudulent activity on an account that I didn't open. I am being penalized for an account that I didn't open. My name is XXXX XXXX and the last four digits of my ssn is XXXX. There are other fraudulent accounts on my XXXX report that I want to be handled and dealt with accordingly.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (FL)

I noticed an entry on my credit report dated XX/XX/XXXX from a company called Paramount Recovery Systems. The debt original creditor was XXXX XXXX XXXX XXXX. I called Paramount to ask what this was for and they said for medical services received in XX/XX/XXXX. I asked when and to what address they sent the first notification of the debt to me, and they had the wrong address ( which was unknown to me how they obtained the address ). So I advised them they are in violation of FCRA law because they were aware they had the wrong address especially due to the returned mail, yet, they placed the entry on my XXXX credit report anyway. I contacted their client XXXX XXXX XXXX XXXX and they admitted to sending the account to them with the wrong address. They claimed they had nothing to do with the credit reporting, and I would need to speak with Paramount with regard to the debt. So, the rep I spoke to at Paramount said she would begin a research request and said I would be transferred to a supervisor. I am not sure if that actually happened because she just transferred me to a general mail box. I did leave a message however. I then used their contact us link on XX/XX/XXXX ( same day as the voice mail I left ) and on XX/XX/XXXX. I explained just as i have here that it is illegal what theyve done but they refused to admit fault or correct the issue. I also looked their company up on the XXXX and they appear to do this often to consumers. To date Ive not gotten an email or phone call in regards to the matter.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2019, I made a payment of {$800.00} to my credit card with Macy 's, using a promotional 0 % offer on balance transfers check authorized/issued by Citibank on my Citi XXXX XXXX XXXX ( XXXX XXXX. 
At the time I was not aware that Citibank was also Macy 's banker. 
For some unknown and quite perplexing reason, Macy 's did not present the balance transfer check to Citibank, or perhaps it did but the check was not posted to my Citi Credit Card XXXX until XX/XX/2019. Citi wrote to me saying that it could not honor its commitment to a 0 % promotional rate because the said check was not presented within the prescribed time of promotion. They would charge me the full rate ( 23.0 % =+/- ) on the transfer of {$800.00}. 
So I used another promotion offer from XXXX XXXX to clear off My Citi card balance totaling {$820.00} on XX/XX/2019. 
In XXXX of 2019, I learned that Macy 's had reversed the {$800.00} payment to my store credit card. Macy 's did not give me any explanation as to why it did so, and it did not send me any correspondence with any returned check to support its action. 
When I enquired of Macy 's as to why it did so, the customer service officer responded by saying it was my job to prove I had made the payment. She told me to get a photocopy of said balance transfer check to Macy 's as proof of payment. The CSO refused to provide any explanation as why the took the action of reversing a payment that had been honored by Citi.

Since then my numerous efforts to get Citi to provide me with a copy of the said balance transfer check has come to nought. It so happened that right after the check was posted to my citi card XXXX, I discovered several unauthorized charged to the citi card which turned out to be fraudulent. Citi agreed to reverse those fraudulent charges. In doing so it closed the card XXXX and transferred the outstanding balance of {$150.00} to a new Citi XXXX XXXX. XXXX  no. XXXX ( XXXX statement reflects this transaction. 
Citi keeps telling me they no longer have any records of the citi card account XXXX which reflected the Macy 's {$800.00} payment of XX/XX/2019. 
When my husband, who is a XXXX XXXXr, asked the Citi customer service personnel " aren't you required by federal law to keep records of accounts/transactions for 7+/- years, '' they agreed it was true. But they still insist they can not locate the old card XXXX account records and therefore are in no position to provide a photocopy of said check. 
In the course of this back and forth, we learned that Citi is Macy 's banker. 
So it appears there is some mischief being pulled upon me by both Macy 's and Citibank. The bank won't give me the proof of the check in question and Macy 's will not credit my account with them until I provide such proof. I am of the opinion that Citi tricked me into believing the check had been presented late so it could charge me the extreme rate of interest. 
Meanwhile charges and fees continue to accrue on my Macy 's account.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (MO)

On XX/XX/2022 I went to One Main Financial to make my payoff balance of {$1600.00} using a electronic check from my checking I was inform by representative that my payment would post to my account XX/XX/2022. My payment still have not posted and I dont want to accrued anymore interest on this loan.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

on XX/XX/2018 I was with my wife at XXXX ( XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent {$33.00} and then we went to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  IL XXXX   and I spent XXXX  with my debit card and then we went to Home depot at XXXX XXXX XXXX XXXX XXXX IL. XXXX and I spent XXXX. I then checked my account and notice that someone used an atm at Citibank at XXXX XXXX XXXX XXXX and withdrew two cash withdrawal from my account for {$500.00} and {$300.00} at XXXX. I filed a police report and notified the Citibank at XXXX that day. Citibank sent me a notice that because they used my account and pin number the charges were mind. I explained to them that I cant be on the west side  of XXXX  using my debit card and pin and also downtown using the same card. Please can you help me
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I '' m having a hard time getting these six late XXXX XXXX  payments removed from XXXX, and Experian. I already resolved this issue with the XXXX XXXX XXXX and my account is in forbearance. There is also no owed payment on my account with them and every thing is up to date. I was able to get these items removed from XXXX under the fair credit act which means they sided with my claim that there information was incorrect. pleas help me get the XXXX XXXX payments off of XXXX  and Experian because they wont budge.
Consumer complaint received 2023-07-05
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. (TX)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. 

Accounts : 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 XXXX XXXX XXXX
Consumer complaint received 2020-02-01
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: Experian Information Solutions Inc. (VA)

I have filed several complaints with this company regarding this unverified account that is reporting on my credit file. This company ( XXXX XXXX XXXX ) provided protected health information without an authorization which is also a HIPAA violation. I have notified Experian of this violation and they refuse to comply with the law. Experian have repeatedly violated the FCRA by continuously reporting an unverified account that is in violation of HIPAA. My last letter to them explaining that this company has to have a signed authorization before releasing any type of medical information to me or to anyone else. Experian refuses to comply and is currently reporting this account as " Meets FCRA requirement '' which it DOES NOT meets FCRA requirements. Experian must be held accountable if they refuse to follow the law regarding reporting an account that is in violation of HIPAA.
Consumer complaint received 2020-02-02
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've mailed in a dispute to update my personal information. I requested to have wrong names, addresses and phone numbers removed. My name has been updated along with the removed phone number and my CURRENT ADDRESS. The inaccurate addresses still remain on my profile after Ive requested for them to be removed