davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VT)

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX I HAVE MY ID ATTACHED To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, VT XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CA)

I received a letter in the mail from a debt collection company based in XXXX XXXX MN ( I.C. System, Inc ) It claimed that I owed {$1400.00} to XXXX XXXX ( another company located in XXXX XXXX, MN - address : XXXX XXXX XXXX, XXXX XXXX MN XXXX ). The letter did not show an itemized breakdown of expenses. I do not know what goods or services were purchased for {$1400.00}. Prior to the letter, I have never been contacted by XXXX XXXX regarding an outstanding debt of any kind. I have never heard of either company. Now, this debt collection agency is stating that this debt is on my credit report. I informed them that this debt did not belong to me. The debt collection agency is asking that more of my private information be submitted to them for further review. They have provided no proof that I owe this debt.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

There is no option in the TSI IVR to wait for an agent. Whether you call within regular business hours or not ( I have done both ). The only option is to call back or to leave a message. I have left 4 messages, clearly stating my name, contact information and account numbers, most recently on XX/XX/18 and XX/XX/18. I have never received a call back. I have contacted the creditor in XXXX and again XX/XX/18 to confirm that the debt was paid, they said they were escalating to get it removed from collection, however I continue to receive notices. On XX/XX/18, the creditor confirmed that the account was taken out of collections in XXXX however I continue to receive collection notices, the most recent being dated XX/XX/18.
Consumer complaint received 2019-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (IL)

I over pay my XXXX  off pay for XXXX .toXXXX XXXX were the last payment westlake kept taking payments XXXX. I over payfinance charge and car note they old me XXXX dollars.Has not sent me back my money.. This is my Complaint. Account XXXX.. They XXXX {$7000.00} dollars. They took my car it were pay for I did not get a tittle. When can they put me and a new car XXXX.
Consumer complaint received 2019-03-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (IL)

I got a quote from autopay.com for a refinance loan. Their estimated price for the product I selected was $ XXXX/month. After I was " approved, '' the price jumped to $ XXXX/month and included gap insurance I specifically had UN-selected in my application, a {$1700.00} service contract I wasn't even given the option to select or un-select, and over {$500.00} in taxes and fees I had not been told about up front. The price after application vs when I prequalifed rose by over 42 %! Now, I know that these payments do fluctuate based on creditworthiness, but my score is in the 800s, so there should not have been such an alarming hike in the price. This bait-and-switch if I've ever seen it.
Consumer complaint received 2018-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Local VA clinic sent me to XXXX Hospital in XXXX, Florida. They assured me that the VA would pay for it. Now I am being advised by credit agencies that two doctor bills and a hospital bill are unpaid and they are ruining my credit. My rating has fallen over 150 points in the last two months! HELP!!!
Consumer complaint received 2021-05-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY PULLED MY CREDIT REPORT OVER 1 MONTH AGO FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES OR ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME.I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

SO I WOTE A LETTER On XX/XX/XXXX to Transunion. I NEVER RECEIVED A RESPONSE. I called multiple times but no one helped me. 

My letter was sent over 30 days and I have not received a response yet. it is by law according to the FCRA that these unauthorized hard inquiries be removed. 

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) The law states that If you are unable to verify the inquiries with the original contract, the information should be removed from my credit report within 30 days. 

Here are the unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

I just recieved in the mail my first contact by aidvantage who i didnt know was going to be taking over from XXXX XXXX With XXXX  I was almost complete in the process of having my loans forgiven. When I opened the letter it welcomed me to aidvantage and stated my payment schedule for the first payment due on XX/XX/2022. I received this letter *first contact* on XX/XX/2022. I logged on to this new account and see that I am past due and and missed 1 payment! What. Payments are suspended until XX/XX/2022! Also my payment schedule is XXXX dollars a month when I have been paying XXXX dollars. I am XXXX, XXXX, and am a military XXXX. I am filing a complaint with you, the state board, XXXX, and the cfpb. I want any missed payments removed and expunged from record and I want any reporting to credit bureaus reversed. I want my loans to be forgiven or discharged immediately. 

Desired Settlement : Billing adjustment ; Correction to a credit report ; DISCHARGE
Consumer complaint received 2019-03-28
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. (TX)

I SEND A CERTIFIED LETTER TO TRANSUNION ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME
Consumer complaint received 2018-05-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I have been disputing with Nissan regarding a late payment XX/XX/XXXX that wasnt late since I found out it was put on all 3 Credit Reports.

There was a computer glitch when I hit the submit button. But I did not know it didnt go through. Until they called me on XX/XX/XXXX. I am fully XXXX and I was just getting out of the hospital when they called me. I have never been late from XX/XX/XXXX to XX/XX/XXXX. I will be forwarding you some information that shows you. 
My monthly routine and I cant understand why they kept insisting that I was late. Instead of looking at my payment background. Knowing I never made a late payment. Please look into this matter because honestly I cant take fighting with them anymore. They put to my XXXX   on my XXXX. Im was to sick and have XXXX XXXX  XXXX to take any further action with Nissan anymore. 

Thank You and XXXX XXXX, XXXX XXXX
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00}
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hello, This will be my third time reaching out to Venmo about the same scam issue that's been going on since XX/XX/2022. I attached the past 2 complaints as the references. XXXX and XXXX. Please refer to them for the scam that I have been involved. I've been getting the same copy and paste responses from Venmo, where they repeat my history and their policies and don't really resolve anything with the responses. But from where I am after going through the scam, I am still responsible for that negative balance that I got scammed for. Ever since then, I wasn't able to use Venmo because the balance has to be recovered first. I basically gave up on using Venmo again at this point, but my next worry and main concern comes here. I know that you guys will be make attempts to recover the negative balance on my account by it being reported to the outside collection agency. Is there any consequence if i continue to leave the negative balance as it is? Can I first get a confirmation from Venmo right now that this won't affect my credit file in the future? As long as it doesn't affect me in the long run, I'm planning to just leave it as it is and just move on with my life as this has been screwing up my life ever since. Let me know what the consequence is and give me a confirmation that it won't affect my credit or life in the future. I will just stop using Venmo. Thank you, Venmo.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I called USAA on XX/XX/XXXX18 at XXXXXXXX XXXX to report a transaction I didnt recognize. I was transferred from credit card to debit card customer service. The rep on the phone asked me for my ssn, name, date of birth, and phone number, and PIN for phone banking and I provided it all. They then asked me for my childrens names and dates of birth, which I felt was invasive and would not provide. I asked to speak to a supervisor and she refused unless I provided that info. After a lot of back and forth she did transfer me, but no one would access my account or take the fraud report b/c they say I could not verify myself.
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allegiant Capital Recovery LLC (WV)

On XX/XX/2022, a text message from XXXX messaged me with the information included in the attached screenshot. This is not a number or company I am familiar with and I am NOT the intended recipient ( I do not share a similar name with the intended recipient and I have no business with any related parties ). The included PII should not have been shared with me so freely, especially without any requirement for me to authorize my identity ( which would have not provided me access to the PII ) and seems incredibly unprofessional and unsafe.
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I am deeply disappointed by CitiBanks poor communication and lack of respect for their customers. My experience could not have been worse. They closed my both business and personal accounts recently without giving me a reason and made me lose much of my time for trying to communicate with their personnel to resolve the issue. They made me cover expenses I was n't ready for because my accountants had to work extra hours to open new accounts for me and to reorganize financial flow.  <P/> The person responsible for my accounts closing is  XXXX   XXXX . Not only she failed to deliver a clear message that CitiBank decided to close my accounts ( she lives in  East Coast Time Zone  and used to call me when peopl e in Pacific Time Zone usua lly sleep ). She refused to handle the issue at all after I asked her to take into consideration our time zone difference. It is unclear wh y CitiBank creates the illusion that its local branches are a helping hand. Those branches are absolutely helpless and simply waste more of your time by holding on while an important person from East Coast makes   a decision.  <P/> This poor communication and unwillingness to reply questions made me feel that I am a mere rascal who was not even worthy of communicating with. All that comes into my mind is that they thought my account activity was illegal. I withdrew cash to pay salaries to my  XXXX  employees several times. If that became a real reason of kicking me out, then they took away my constitutional right for freedom. I have freedom of choice and I chose to use cash to pay salaries. If that is not a real reason they closed my accounts then everything is completely obscure. They never spent some time to explain me why I was treated as no one. Nor they did let me know they would close my credit account. I found myself in a completely miserable situation when my payment was declined in the shop. I 've made LOTS of attempts and spent many hours to resolve these issues over the phone, by email, and commuting to the local branches.  One of the Citibank local branch managers said that California is considered to be a fraud state by Citibank top managers and they used to simply close people 's accounts when they think there is something wrong. I value my time and I want Citibank make an appropriate refund and apologize for inconvenience. I will consider my company 's reputation and my personal reputation restored then. If needed, I can go to court and stand out for myself so other people would n't be treated like that. CitiBank re quires their customers to be transparent but are not to be transparent as well. This reminds me totalitarian regime and leaves a bitter taste of disappointment and frustration.
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I received a collection notice from   XXXX   XXXX   XXXX   XXXX   about a balance of {$130.00} from a collection agency for  XXXX   XXXX  I have never heard or delt with this person I called the collection office twice the last time was today  XXXX / XXXX /   2017  and spoke with a gentleman who I have my info to and he stated to me that the person who owes this bill is  XXXX   XXXX  I advise the gentleman that was not me as I also stated the first time I called the gentleman ask me if I contacted the credit bureau to dispute I told him I did and that this is not a good look on my credit report because this balance is not mines I have called them twice and also disputed twice with the credit bureau but nothing has happen
Consumer complaint received 2017-06-22
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)

XX/XX/17 I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX XXXX - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/17 to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX XXXX  credit card - XXXX XXXX XXXX Ref ending # XXXX. I contacted XX/XX/17 to report identity theft. I received another letter dated XX/XX/17 to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/17 to report identity theft. XX/XX/17 Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/17 pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/17 Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : " Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information. Capital One needs to provide the reason why the reason for the decline does not match the XXXX report. A complaint will be file with XXXX as their information was used falsely. <P/>Manager mentioned that Capital One is not inclined to open an account for someone who is citizen of another country or has dual citizenship. This seems to be the only justification for the decline.
Consumer complaint received 2018-10-25
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. (DC)

None of my current loans are showing up on my credit report with EQUIFAX only. The other two agencies are accurate. I called my mortgage and auto loan company and they both confirmed they are reporting to all three agencies. 

When I call Equifax located in the XXXX, I have a hard time understanding or hearing them and I am not sure they understand what I am asking them to do. They were so focused on the security questions, we did not spend much time addressing the problem. For example, they kept asking me about an AUTO loan which I explained YES, I have a current AUTO loan with XXXX XXXX. They asked about about another AUTO loan and I explained, I did not have any other auto loans. I then asked, could you be referencing a MOTORCYCLE loan? They would not answer me. I had a MOTORCYCLE LOAN with XXXX over 10 years ago. Once I was able to actually get my report and use it to answer the questions, I was able to answer the questions successfully. 

Again, they went back over 10 years- no way I can remember credit cards and balances from 10 years ago! Not a fair or good process to confirm identity. I ended up having to send my drivers license, social security card and passport via fax and they still gave me a hard time with security questions but never addressed why nothing was updated on my account since 6 years ago. They were clueless and not helpful at all. I spoke with 5 different people yesterday and today and hence I won't likely be getting refinanced anytime soon without my EQUIFAX report being updated.
Consumer complaint received 2017-06-16
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: FACTUAL DATA CORP. (NC)

I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  XXXX   XXXX   XXXX .  XXXX    XXXX   XXXX   purchased my mortgage from  XXXX  financial.  XXXX    XXXX   XXXX   never advised me that they would be re pulling my credit