davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

I AM BEING CHARGED FOR INSURANCE COVERAGE THAT I DO NOT OWE. MY POLICY WAS A PREPAID POLICY AND I CANCELED MY COVERAGE AT THE END OF THE TERM. YET XXXX IS BILLING ME FOR COVERAGE THAT I DID NOT HAVE NOR AGREED TO EXTEND. THEY HAVE SINCE SOLD THE DEBT TO A COLLECTION COMPANY ( CAINE & WIENER CO. ) THAT IS REPORTING IT AS UNPAID AND IS COMPROMISING MY CREDIT.
Consumer complaint received 2018-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I can not create an account to pay my mortgage I had an account, and suddenly I could not access the account I have called multiple times between XX/XX/XXXX and XX/XX/XXXX. 
I was told multiple times by the company that the issue was resolved and it is not Their website will not allow me to create an account to pay my mortgage and I do not believe the company is being honest I have been told many times I would be contacted within 48 hours, and not a single time did this occur, I have had to take the initiative to call back every single time I have been told trouble tickets have been submitted, only later to be told by another Representative there is not trouble ticket I have all of these conversations recorded and dated I am attaching the error I always receive after going through the process of creating an account Also, a lower priority, but their website has many issues. 
For example. and you can look at XXXX XXXX XXXXXXXX, you have to perform the captcha 4 to 10 times for it to work correctly This website prevents people from getting information on their loans and paying them by not working correctly
Consumer complaint received 2019-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

On XX/XX/XXXX I sent specific payment instructions to Nelnet : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation. '' On XX/XX/XXXX, when checking my account I noticed that loan group F had accrued a larger than normal amount of interest : {$260.00}. Even though I was making my monthly minimum payments and occasionally making extra payments toward group F. After making an extra payment of {$500.00} on XX/XX/XXXX my due date was advanced. 

It is criminal, and infuriating that I accrued extra interest because Nelnet did not process my payment instructions. My goal is to pay my loans off early and avoid gaining extra interest by doing so. My instructions were sent to serve that purpose. Nelnet did not follow my instructions and now I owe more interest, in spite of making early payments in order to pay my accounts of early. Nelnet should be held liable for reducing my owed interest amount because of their error.
Consumer complaint received 2022-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Credit Report I recieved in XX/XX/XXXX and in summer. Shows that I had hard inquiries in XXXX all on same day at 4 different adresses in 2 states. I moved out of the addresses used in XXXX and XXXX. I also never tried appling for XXXX credit card ever or other inquires. I have been working hard on getting score up to XXXX after divorce in XXXX. My ex wife XXXX XXXX and XXXX XXXX XXXX XXXX know SS number and I hever made any of these. After divorce Started in XXXX final in XXXX. Ex wife left me at a XXXX score from XXXX. I never applied cause I knew wouldnt get a loan. Hence my purchases of cash old cars and so on. Please Help I have disputed many times and every month For 1 yr after paying off old debit owed. score will not go up. Goes down and stays at XXXX because someone keeps pulling score every 30 days. Ex wife know my ss number and friend is realtor and doesnt want me to buy. Please help my family with this security and investment for the kids Thank you XXXX XXXX
Consumer complaint received 2018-08-09
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: EQUIFAX, INC. (CA)

This Complaint is against Equifax XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and letter was received by Equifax on XX/XX/2018. I waited 43 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me and updated credit report via mail on XX/XX/2018 credit report confirmation # XXXX and in that report they did not update and delete all accounts that I have disputed with them on XX/XX/2018.
Consumer complaint received 2018-08-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collins Asset Group, LLC (WI)

XXXX XXXX XXXX is claiming I owe them a lot of money, however when asked the attorney XXXX for this so called debt 's itemized statement and copy of the agreement no one will give me the information. XXXX XXXX XXXX stated that they liquidated the mortgage I had with them. XXXX will not tell me from what the debt came from. 
XXXX XXXX XXXX also has not produced a statement for this debt and a person can never be reached in the company who can answer the simple question of where the debt came from.
Consumer complaint received 2024-03-01
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. (MO)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Acceptance Solutions Group, INC (TX)

I reached out to company but they are no longer the original company i had contract with. I couldnt make payment due to no work for from a XXXX XXXX and had XXXX i was out for 2 months and finally got back on track back to work but the account had be moved or sold to different company. I called that company but i needed some paper work confirming account and amount i will be paying. Never received any information on this new company.
Consumer complaint received 2018-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: STANDARD MORTGAGE CORPORATION (LA)

XX/XX/2018 Standard Mortgage delivers check in amount of {$1100.00} to XXXX XXXX XXXX for annual hazard insurance payment. Paid out of my escrow account, which was " fat '' because Standard Mortgage had been collecting more than was necessary to cover T & I. On XX/XX/XXXX the check is redeposited in my escrow account. No further action to pay property insurance taken. All this is evident by reviewing my account online. 


Today, XX/XX/XXXX, I received an email notice from XXXX XXXX that tipped me off on the problem with payment. XXXX XXXX says the check was unauthorized. Now of course the insurance company wants me to pay the annual premium ASAP plus the returned check fee. 


I do not know why the check from Standard Mortgage did not issue a valid check to XXXX XXXX. I have never missed a payment and have been a customer of theirs for 17 years. I currently have 2 houses mortgaged through them. 

My biggest issue besides the " bad check '' is that I was not notified and there was no followup action to cut another check to XXXX XXXX.
Consumer complaint received 2018-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

XX/XX/2018 I did a loan search online and this company was suggested. The interest rate was not clear to me and I ended up paying XXXX on a XXXX loan. No documents were sent to me.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (WA)

I sent Equifax written instructions according to 15 USC 1681b ( 2 ) on what I wanted to be reported on my consumer report. Equifax is just inputting my request into a computer system which is disputing certain accounts I didn't ask for them to dispute. I did not ask for a dispute on certain accounts. I wrote a letter specifically stating what I wanted to be reported according to 15 USC 1681b ( 2 ). I have attached my written instruction to this complaint. I sent this via certified mail. I need Equifax to carefully read my written instruction and grant me my rights under the FCRA.
Consumer complaint received 2018-08-09
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: CITIBANK, N.A. (CA)

XXXX : Acct # XXXX showing on my credit report. 
Not my account. Account states on credit report was opened XXXX. I was born XXXX, I was XXXX. Says last reported XX/XX/XXXX. 
Amount Owed {$0.00} but wasn't mine needs to be removed. 

XXXX Account 2nd Account reflecting on credit report Acct # XXXX States Opened - XX/XX/XXXX ( I was XXXX in college, did not have credit ) Last Reported XX/XX/XXXX Balance Due - {$380.00} States there are 19 ( 90 day ) lates Maximum credit stated > {$210.00} In addition this account was charged off closed by creditor. States this underneath acct # on report. How can they continue to bill and report a charged off account trying to collect past 20 years. 

I checked to see if my dad has a credit card with XXXX in event it was his but he does not.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (RI)

I was contacted by Southwest Credit Systems LP, regarding a non existent debt. I informed the representative that there is no debt and requested they forward me the source documents. What I was sent was far from a source document. These tactics are tantamount to extortion.
Consumer complaint received 2022-02-05
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)

I checked my credit report, and I noticed some inaccurate information from XXXX XXXX XXXX about some late payments I have never had a late payment associated with that account I contacted the credit reporting agencies to correct the inaccuracies but they didn't.
Consumer complaint received 2020-07-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (MS)

i look at my credit report and seen moneylion of XXXX XXXX  trying to collect an alleged and inaccurate debt of XXXX that i do not owe.and i have attached of the letter that i sent requiring the information.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MD)

I was sued by discover Bank and the account goes back to XX/XX/XXXX. I disputed the balance and went to trial. during the course of the trial and in discovery I asked the Plaintiff for a detailed listing of the charges they were suing for and a breakdown of interest charged. They only provided statements for the last XXXX years. They are claiming that the bulk of the charges {$8000.00} of the approximate {$10000.00} occurred prior to XX/XX/XXXX. However, they had absolutely no record of those charges and no interest breakdown. The court nevertheless found against me in spite of the lack of documentation. I believe that if they were suing on that account that they were required to provide a complete statement particularly itemizing the majority of their claimed debt. I have filed an appeal at this time. I believe that their failure to maintain those records is a violation of Federal law. Please advise
Consumer complaint received 2018-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

on XX/XX/2018 i deposited a couple checks on they put my account on hold until they cleared. they cleared on XX/XX/2018 one check was for XXXX and the other for XXXX. i called several times and they would tell me that they were closing my account and would send me my funds. this being capital one 360 checking and savings they closed my savings and they say they closed my checking but i can still login and see that the funds are still in my accpount plus they are still paying interest on it i asked the bsank for copy of all the recoreded calls that i had to make with them but no responce so as of XXXX my balance XXXX
Consumer complaint received 2018-08-09
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: FC HoldCo LLC (TX)

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
Consumer complaint received 2020-06-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$4900.00} DEPTEDXXXX {$2800.00} XXXX {$2100.00} XXXX USDEPTEDXXXX {$2800.00} XXXX {$0.00} DEPTEDXXXX {$6000.00} DEPTEDXXXX {$6000.00} XXXX {$6000.00} XXXX {$3500.00} DEPTEDXXXX {$5800.00} XXXX {$0.00} XXXX {$1000.00}
Consumer complaint received 2019-01-08
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. (GA)

I have submitted several dispute letters and a FTC form to the credit agencies with regards to the following accounts below. To date, the credit agencies has not responded to my complaint that notifies them that these accounts was opened as a result of identity theft. 

XXXX XXXX/XXXX XXXX - Opened XX/XX/2018 The following Inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-08-09
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)

My next step is to file a suit against the credit reporting agencies, XXXX  and XXXX  to be exact. They are continuing to add to the initial fraud inwhich one has done to me. Their investigation continuously come back with the same results, verified, but never once providing me with any proof. This is my last request for you and your companies to block the following from my credit report ... .1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$56.00}, {$52.00}, 4 ) XXXX XXXX XXXX 5 ) XXXX 6 ) XXXX XXXX
Consumer complaint received 2022-02-05
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (FL)

I was all of XXXX year old. I applied for a vehicle loan in which I got approved for but never took pocession of the vehicle. After learning what the interest rate my parents qould not allow me to go through with the purchase. I have had numerous conversations with XXXX XXXX in regards to this matter however, to no avail. I am seeking dire help to have this matter removed from my credit as it has made it very difficult to obtain credit.
Consumer complaint received 2022-02-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (IL)

Coinbase has an ad on their website that states " Set up a recurring buy of {$50.00} or more and youll earn {$10.00} after both your XXXX and XXXX recurring buys. '' A picture of the ad is attached. The? icon in the ad links to information on pending/received rewards ( picture attached ). There is no fine print in the ad, linked to from the ad, or the " Set up a recurring buy '' form. A picture of the latter is also attached. 

I set up a recurring daily buy of {$50.00} on XX/XX/XXXX. XXXX such buys completed. I did not receive the promising bonuses. 

I opened a ticket on XX/XX/XXXX. Their reply on XX/XX/XXXX listed terms that were never disclosed in the ad. The ad is still on their website and still does not list any additional terms. 

A XXXX search for the text of those terms shows that the only place they are listed is from other people complaining of the exact same problem. Those hidden terms do not exist anywhere on Coinbase 's website.
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I was trying to transfer money from my PNC bank to my XXXX app to invest in some stocks but it shows that an error happens and that XXXX is trying to fix it with my bank. The stocks are starting to rise and in order to get a good price I would need to invest soon. This error from PNC is restricting me from investing.
Consumer complaint received 2018-08-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (OH)

Contacted the company on XXXX electronically asking for return contact. By XXXX, no contact so called again. Stated I had to submit a request in writing- although website states can request online as I did- and that then they will request documentation to prove the collection. It is my right as a consumer to be presented this information and I should not have to jump through hoops to get it. I found out who the collection was for, XXXX XXXX, and I contacted them directly and paid this in full. I then contacted National Recovery again, and was told to mail the receipt, itll get processed, go through  verification and eventually be removed. As they could not produce the documents to begin with, they should not have this on my bureaus as a collection dated XX/XX/XXXX, for a service from XX/XX/XXXX. I asked to email or fax the receipt and was told to get the info off the website. I have been unable to find this information. This should be removed in an expedited manner due to not satisfying my consumer right to detailed information on what they are trying to collect money for. I could get no information except to keep mailing requests or to pay them.