davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-26
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: Byrider Franchising, LLC (FL)

XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX   XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Consumer complaint received 2023-03-20
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. (NJ)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2019-05-09
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. (CA)

This is in regards to an investigation with Transunion, file # XXXX. I filed a dispute online with Transunion and submitted supporting documentation to review with my dispute. The documentation supports that I made all payments on time in regards to the account with XXXX. Transunion conducted the investigation without reviewing the supporting documentation and made an unfair and incorrect decision, resulting in the error remaining on my credit report. I contacted Transunion on 3 occasions to resolved and every time my call was transferred because Client Relations does not handle online disputes. Each time I call the Online customer service number, I was directed to same Client Relations department.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, my card number is XXXX. I have XXXX + dollars worth of credit that I can not use currently. Your investigation is taking too long for my fraud claim and I still have not heard any result of it. Did you find out how it happened, what happened? Please call me at XXXX and if you can not find out what happened then please close the case as it is just causing pending case investigation on my account for prolonged period of time. Sincerely, XXXX XXXX
Consumer complaint received 2017-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I 've sold an item on XXXX and funds were sent to paypaI. I 've tried withdrawing my funds and my account was restricted. I called paypal and they stated they will not release my money until 180 days. My case ID # XXXX. Email address : XXXX I have {$290.00} in my paypal account.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
Consumer complaint received 2018-10-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO. (GA)

I had a car financed through Ford Motor Credit back in XXXX, and in XXXX I lost my home through foreclosure and had financial hardship. I later surrendered the XXXX XXXX  and it was charged off and went on my credit report and was charged off and remained until XXXX of this year.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (CA)

California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. 
- On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. 
- Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. 
- Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. 
- I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. 
- It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. 
- Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.
Consumer complaint received 2018-10-26
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. (NC)

I have contacted Equifax at least three time to let Equifax remove an unknown address starting at XXXX from my credit report. Each time the dispute status shows success, but I am still having the unknown address appeared in the latest credit report.
Consumer complaint received 2023-03-20
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. (IL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

Ref : XXXX Thank you for applying for the XXXX XXXXXXXX XXXX XXXX XXXX Card . We're writing to let you know we can not approve your application at this time because American Express cancelled your previous account ( XXXX ). 

The problem is that my account was not canceled by them and in fact the last card I had with them was an XXXX card and they said once I had the card for XXXX months I was eligible for other cards but they lied.
Consumer complaint received 2023-03-20
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. (OH)

According to multiple credit reporting agencies, it is claimed that I opened a line of credit with XXXX XXXX on XX/XX/2023 and multiple charges were made in the total of {$650.00}. I disputed this account, and XXXX  claims that they verified that this account belongs to me and sent me their report on XX/XX/2023. I continue to assert that this account was never opened by me.
Consumer complaint received 2023-03-20
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX Bankruptcy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have some addresses that are not mines possibly fraudulent I have a EX girl friend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as XXXX XXXX XXXX and My DOB is XXXX SS # XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX , XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a unverified account that is not accurate showing on my credit file from a XXXX FORMERLY XXXX # XXXX. this account should be deleted ASAP it is not right. I also seen an account that is not mine from some XXXX XXXX XXXX XXXX # XXXX never here of them. please delete this unverified account.
Consumer complaint received 2018-10-26
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. (SC)

I have information reported on my Equifax credit files and can not access it in order to challenge it as I was affected by the data breach of 2017 and my file is henceforth inaccessible. 

the information contained in the file has numerous grossly inaccurately reported items which have to be investigated and removed, Equifax has this data listed and I need this looked into. 

The accounts that follow are the principal accounts even though their are duplicated accounts from the same companies : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX. account number : XXXX XXXX XXXX. account number : xxxxx XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number XXXX XXXX XXXX. account number ( XXXX ) : XXXX XXXX The redacted account numbers are as they appear inside Equifax. 

I have asked them to look into this via Web Mail disputes and have not had the help required. Their are numerous accounts reported in error and I am requesting the right to dispute them.
Consumer complaint received 2018-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is a complaint about my credit card company called Capital One ( phone numbers : XXXX, XXXX ) They have failed to provide credits for a transaction that I have been disputing since XX/XX/2018. 

In brief, I am attempting to receive full credit for {$660.00} from my Credit Card company called Capital One. This amount resulted from an automatic transaction made by a merchant called XXXX. This credit card transaction occurred on XX/XX/2018. 

On XX/XX/2018 I received an email from the XXXX merchant. This email stated that I received a refund of {$200.00} referencing the above XX/XX/XXXX transaction. I subsequently determined that this refund was not reflected on my credit card. Therefore, I contacted the merchant and was told that I needed a letter from Capital One to confirm that the credit was not applied. 

I contacted Capital One on XX/XX/2018 in order to request the letter for the merchant. Capital One stated that they do not provide letters and the only recourse is to issue a charge-back for that amount. The charge back was issued for the amount that was supposed to be refunded {$200.00}. 

When the merchant received the charge back they suspended my account. Referencing the email dated XX/XX/2018 from the merchant called XXXX billing ... they admit that my " refund for {$200.00} was not successfully processed. '' Up to this point I have done nothing except follow the directions from the merchant and Capital One. My account is now effectively closed through no fault of my own and I expect a full refund of {$660.00}. 

I have received credits totaling {$430.00} against the debit transaction of {$660.00}. This leaves {$220.00} unaccounted for. Over a period of 6 months I have called Capital One approximately 9 times regarding this disputed transaction and the unaccounted for amount of {$220.00}. Many of those calls ( but not all ) are documented as follows : Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour, XXXX minutes During many of my calls to Capital One I have been told ( again and again ) that the merchant would have 45 days to respond to any dispute. And yet this has dragged on for 6 months. On XX/XX/2018 I uploaded supporting documents to Capital One. Obviously, we are now far beyond the 45 days. I can provide a recording of the XX/XX/XXXX call to Capital One. As I have indicated many times, I still need a credit for {$220.00} to resolve this dispute. 
-- -- -
Consumer complaint received 2018-05-16
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. (UT)

I have continually made disputes with XXXX, XXXX  and Transunion concerning the numerous names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. 
I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (ID)

This complaint is regarding an alleged debt collection from XXXX XXXX XXXX. It appears that the company is a collection company contracted with several municipalities. they appear to be contracted with the XXXX County Courthouse in Idaho. They sent me to XXXX for collection on an unpaid infraction fee around XX/XX/XXXX prior to exhausting all appeal procedures in court. As a result of non-payment they also requested my license to be suspended by the Idaho Transportation Department. 

I inform the collections company that the appeal of the infraction was still pending after I got the first notice. On XXXX the Idaho Legislature implemented House Bill 599 which determined that all pending infractions for failure to pay/suspensions were cleared. I told the collections agency that but they are still harassing me.
Consumer complaint received 2018-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (KY)

I fell behind on my mortgage around XX/XX/2017 due to slow work and less money.I am also taking care of a XXXX grandchild. I am really struggling in life. I tried my best to keep up, but the money just keeps accumulating. I became so desperate and stressed out. On XX/XX/XXXX I applied for mortgage assistance with my lender Vanderbilt Mortgage. I then received a letter dated XX/XX/XXXX offering me {$500.00} to vacate my home by XX/XX/XXXX. I received the letter after XX/XX/XXXX. So, they basically gave me a week to vacate for {$500.00}? How dare they? {$500.00}?? What am I going to do with {$500.00}? Then a letter dated XX/XX/XXXX arrives asking for {$2100.00} and then they'd bring me back to current and denied my application because it was their " belief '' that I can afford the payments with the current terms. So first {$500.00} to basically go homeless and then just magically pay them {$2100.00}? Are they crazy. They are really a nasty bunch. My interest rate is 12.72 %!!! And, I am not by any means wealthy. I just want some payment relief so I don't get into this situation again. These guys are a real bad bunch. I need help. Please.
Consumer complaint received 2023-03-20
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OH)

I had a transaction on XXXX for XXXX for {$270.00}. It was pending and they deducted from my account. I had canceled my order. XXXX gave me authorization code. XXXX. The transaction disappeared but the money wasn't put back on my card. I've been trying for 8 days to reach direct express to resolve this issue. No matter what time I've called not able to talk to anyone. Not sure what I'm suppose to do.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I paid my billl in full XX/XX/22 for {$650.00} XX/XX/22 I get a new bill charging me {$5.00} calling it interest. On XX/XX/22 I called XXXX regarding service fee after bill was paid in full. He told me they would remove the fee. 
On XX/XX/22 I get a new bill charging me {$5.00} fee bringing total to {$11.00}. I called XXXX. Man told me that they refused to waive the fee as it was interest. 

So I am charged interest 2 times on a paid in full bill. 

I want this {$11.00} removed and cancel my credit card.