davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-05
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. (NV)

XXXX XXXX Transunion was notified that an auto loan was reporting multiple inaccuracies. I requested that they'd update the account, because I was never late. In XX/XX/XXXX, I deferred payment with an auto lender. The paid amount was agreed upon, however a late payment was reported. The auto loan is a " Joint Owner '' auto loan. 

Since then, multiple inaccuracies have been reported on the account as well. I then sent TransUnion a 3-Bureau screenshot of the numerous discrepancies reporting on the account and requested that they correct it. 

The " balance owed '' on all 3 bureaus are reporting different amounts, the " last payment activity '' dates are different, COVID-19 deferred payments are reporting as missed payments despite the accounts being notated as 'Affected by natural disaster '. 3-Bureau report also shows Transunion last payment was " XXXX XXXX '' and was last verified " XXXX XXXX '' ... However, today, XX/XX/XXXX, XXXX has been updated to a missed payment. 

XX/XX/XXXX is current, XX/XX/XXXX is current, XX/XX/XXXX says 60 days late ... XX/XX/XXXX was updated to 60 days late, yet 3-Bureau shows Transunion payment made XX/XX/XXXX and verified by Transunion on XXXX I asked creditor to defer payment due to COVID-19, creditor agreed. Creditor notated account as " Affected by natural disaster '' In XXXX. I made a payment of {$220.00} any way, and XXXX 's payment was updated today to another 60 day late. 

CFPB, Attached are the screenshots for your viewing. The attachments shown proves the various violations brought to Transunion 's attention. 

These inaccuracies and discrepancies are reflecting on both me and the joint owner 's credit report. I informed Transunion that if this is the same account, why is all of the information different and inaccurate? This is a violation of the FCRA and is not fair for the consumer. 

As of XX/XX/XXXX instead of Transunion removing the late payments from the account as I requested, the information was 'updated ' in a more contradicting and harmful way.
Consumer complaint received 2023-03-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation (TX)

World Finance went to selling their Loan account to Debt Collection Agncy XXXX XXXX XXXX Debt Collection Agency on today to collect Loan Debt in the amount of {$2000.00} dollars after my Legal at the XXXX XXXX XXXX sent them notice on XXXX XXXX sent them notice of that i have retained XXXX  XXXX Bankrupcy Legal Counsel regarding their Loan account number XXXX advicing them that my XXXX  XXXX bankrutcy will be filed filed trying to collect their debt after they was notified of my XXXX  XXXX Bankrupcy case from the notice of their Legal representation of my XXXX  XXXX Bankrupcy case to them from this XXXX XXXX  XXXX Bankruptcy Legal Representation Letter notice below attached to this complaint
Consumer complaint received 2018-05-07
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: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

When l checked my XXXX Credit Report l realized that ; MUFG UNION BK/XXXX made a hard inquiry on XX/XX/2018 which l have no idea.
Consumer complaint received 2023-03-26
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: Affirm Holdings, Inc (GA)

hello i am very upset that Affrim decided to appear on my XXXX credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to XXXX and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like Affrim but this stut has took the cake, XXXX is no better i don't have any respect for that company bottom freeders so I needed to bring this matter to a higher level since XXXX is in the bed with so much of these crooked companies
Consumer complaint received 2023-03-26
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: Block, Inc. (MA)

Credit bureaus will start adding Afterpay, XXXX and XXXX and XXXX. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.
Consumer complaint received 2022-03-02
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: CITIZENS FINANCIAL GROUP, INC. (MA)

-- Sent email to Citizens Bank at XXXX " disputing a fraudulent credit card charge from " XXXX XXXX XXXX XXXX  on XX/XX/XXXX for {$52.00}. I never received any products from this company. Please remove this charge from my account. '' -- Also called and reported issue to XXXX on XX/XX/XXXX. Told by XXXX ( and repeatedly thereafter by Citizens Bank customer service agents ) that I did not need to pay disputed amount while disputed ; also told there was number to contact " disputes department '' and that I must wait for a call within 3-5 business days ; I have never received any such call. 
-- Thereafter, I kept receiving " interest charges '' because of the disputed amount, which still had not been removed. Called and spoke with agents including but not limited to XXXX on XX/XX/XXXX ; XXXX at on XX/XX/XXXX ; and XXXX on XX/XX/XXXX as well as his supervisor " XXXX '' ( in XXXX " contact center ; '' her supervisor identified as XXXX XXXX. Interest charge removed each and every time while amount remains " disputed. '' -- Emailed again on XX/XX/XXXX ; still no response.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (TX)

I contacted RMP by phone to ask for any paperwork I needed to submit to them to show that this account is being reported inaccurately he refused to send any documentation to validate the legitimacy of this account and the guy hung up the phone in my face. As of XX/XX/2021 I will be sending a certified letter with a FTC report to have this account removed from my credit report.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (PA)

I made an international wire on XX/XX/XXXX in the amount of {$8500.00} from a PNC Bank branch in XXXX, XXXX On XX/XX/XXXX, a charge for {$120.00} appeared on my account without explanation. Upon further inquiry, I was told that the charge was for the above stated wire. This fee was never disclosed to me during the transaction, nor is it listed on the actual wire confirmation form, signed by me. The agent at the bank indicated that all their bank fees are listed on regular bank statements. I find this dishonest and predatory behavior. 
It is wholly reasonable for me to expect that associated fees would be disclosed to me at the time of making the transaction, either verbally and/or in writing on the wire receipt, neither of which was done.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

Delinquent account paid down in full to zero balance not updated on my credit report dropping my score from XXXX to XXXX barring me from getting loans for the company. Jeopardizing very large multi million dollar transactions. Truist bank.
Consumer complaint received 2022-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 45 days, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

Received a call from someone calling himself XXXX XXXX who stated I had a debt in the amount of over {$2000.00}. I told him I did not know anything about that debt and he proceeded to tell me I did know about it and that they had spoken to me several times and that he was going to state that I said I had no intention on paying the debt. I tried to explain that I had no idea of a debt in that amount and he proceeded to hang the phone up on me. I later called the company back and they told me he was combining multiple debts and quoting me one single amount from multiple debts.
Consumer complaint received 2021-06-02
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: Nelnet, Inc. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management , Inc. has repeatedly harassed and attempted to collect a debt in the amount which has never been verified or proven with documentation that the debt is in fact legitimate. This company and its affiliates have been proven to use illegal tactics in the past. Midland Credit acquired this debt from XXXX XXXX  and has been adding compound interest. This debt was originally under a XXXX dollars and is well over 7 years old.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This debt collector is falsely reporting the dates of this debt to the credit bureaus. They have reaged the account and need the original credit card debt information. This account should be at the statue of limitations but they have purposely changed the date to make the account look new when it is very old. I have tried to dispute this through the credit bureaus already without success to get the accurate information reported. Credit was opened in XXXX. I have emails with the date from that account.
Consumer complaint received 2023-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (NY)

I have been going back and forth with self.inc about my pay out but they keep trying too tell me I need too give more bank statements too get my pay out but I already provide my most recent bank statement ( just like there email says ) valid id, ssn, and a picture of my holding up my id which the law does say for me too properly id myself I need too give too forms of id which I have already done but they still tell me I have too do more
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (GA)

The account status is reporting different with all 3 bureaus.

The number of months is reporting different with all 3 bureaus.

The payment status is reporting different with all 3 bureaus.

The last reporting date is reporting different with all 3 bureaus.

The last date active is reporting different with all 3 bureaus.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A. (MD)

On XX/XX/2022 I got a cashiers from XXXX for {$7000.00}. On XXXX XXXX I went to the XXXX XXXX Branch of PNC where XXXX XXXX is the branch manager. The branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX Md XXXX. 

As of XX/XX/2022 I have been told by both PNC and XXXX that the check has not been cleared. XXXX has said that PNC has not contacted them for verify the check. PNC can also give no reasons that they have not cleared my deposit. They also will not give me the cashiers check back and cancel the deposit.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

Extended full faith and credit to American express for a consumer credit transaction and was denied allegedly for cancelled accounts in absence of verifiable tax forms. Notice of cancellation was accepted for value as verifiable acquittance by Amex and requested reconsideration pursuant to the Equal credit opportunity act. denied Equal Credit. Faxed over supporting documents titled notice of credit discrimination liability to XXXX delivered on XX/XX/22 and have not received consideration in accordance to Consumer Protection laws.
Consumer complaint received 2022-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

On XX/XX/XXXX I was alerted that a frivolous collection agency PROCOLLECT INC. placed an account for collection on all credit bureaus for the amount of {$300.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX PROCOLLECT INC wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. 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 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

I have a car loan with Wells Fargo. Their online system does not allow you to set up payments that exceed three times the payment established in the loan ( my car payment ). They do not allow you to set additional automatic payments. I called Wells Fargo and explain I'm an XXXX XXXX service member and feel that they are putting an impediment on the customer by not allowing this feature. The means the customer has to call and make the additional monthly payments and makes it difficult for the customer to want to do the " right '' thing and pay off their debt. I spoke to a manager and they were not able to provide an explanation.
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (FL)

Around the end of XXXX I was notified by XXXX XXXX and XXXX XXXX that I opened a credit account with Paypal. I reached out to Paypal to let them know I didn't open any such account. Paypal took a couple of days to get back to me and said that they would cancel the account and nothing was charged on it. 

It wasn't until yesterday XX/XX/2020 that I saw from XXXX that I had a {$3000.00} balance with paypal with a new charge of {$34.00}. 

I have never opened up a paypal account.
Consumer complaint received 2018-05-07
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. (CA)

Last XX/XX/2018, I disputed my XXXX - XXXX to the credit bureaus and this company has been reporting incorrect and incomplete information. They are misreporting the account every month as an open account, instead of an account that was charged off. Theyve also omitted the date of last payment to make the account look like a recent debt, this is a violation of the FCRA and harming the credit report and score more than legally permissible. e than 30 days have past and nothing happened with my dispute and did not receive anything from the creditor. 

I also disputed the following items on my credit report to this company : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX , XXXX- XXXX and XXXX XXXX- XXXX all of which are showing incorrect and incomplete information. I requested an investigation to be completed within 30 days, but this company blatantly neglected and did not comply with FCRA stipulations.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Durham & Durham, LLP (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX XXXX Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit  reporting. 

We contacted the XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, Durham & Durham to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact XXXX to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and XXXX we have had no change in my credit report. We discussed the matter in detail with XXXX ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.
Consumer complaint received 2018-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (OH)

account XXXX First Federal Credit Control is not able to provide any signed correspondences showing that this provider was to turn accounts over to collections and/or bill. The company has yet to provide proof of this alleged debt, which the dates and/or services along side alleged debt is being disputed. Per this dispute along side the fact that First Federal Credit Control can not provide reasonable evidence that this debt is owed, this needs to be off my credit report.
Consumer complaint received 2020-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

CREDIT SYSTEMS INTERNATIONAL is not mine, they have me mixed up with another PERSON USING XXXX XXXX. I have never used them concerning medical debt. I ask them to contact the right person and not bother me again.
Consumer complaint received 2018-05-07
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: EQUIFAX, INC. (CA)

Hello, I have always been in good standing with my XXXX/XXXX loans, and I currently have two loans with them. I had made a payment on XX/XX/18 for both loans, and XXXX/XXXX applied the payment to ONE loan instead of both. So, without ANY warning, phone call, letter, email, or anything notification at all, my other loan was " delinquent '' by only {$140.00}. I quickly submitted payment when this came to light. 

However, and the bigger problem here is, that the negative on my credit report ALSO showed up on my sister 's credit report. My sister is NOT a cosigner. My mother is my cosigner. My sister should not have any involvement with my student loan or financial obligation. The funds were distributed to MY account at XXXX XXXX, not hers. When on the XXXX/XXXX online portal, there is no mention of her name anywhere to be found to indicate her involvement with my student loan. As mentioned, my mother is my cosigner and aware of the responsibilities that come from being a cosigner.