davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (KY)

I sent a letter asking for validation of debt which is different from verification. The letter sent was with verification and not validation. Verification and validation are completely different. 

VERIFICATION means establishing truth and accuracy. VALIDATION means to provide Legal PROOF of this truth and accuracy. 

Proof of VERIFICATION are bills, receipts, credit card and bank statements. 

Proof of VALIDATION include leases, promissory notes, contracts with an original signature from the Original Creditor NOT the collection agency.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXXXXXX XXXX HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

XXXX XXXX Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX XXXXXXXX XXXX Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX XXXX XXXX Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (TX)

This collector keeps calling me 7 times per day since XX/XX/2018 and has never left a message nor has sent a debt validation letter showing where I owe a debt with them. This collector is in violation of the FDCPA laws and regulations, if they continue with these types of calls, I have phone records of each call placed and will be getting an attorney and taking legal action against them. This needs to stop and the constant calls are really stressing me out right now and this last call I just got 10 minutes ago has really gotten me fed up. Please let them know not to contact me ever again by phone
Consumer complaint received 2021-02-10
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. (TN)

I entered into a lease with XXXX XXXX after the appropriate process was completed at my local XXXX, XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to XXXX XXXX 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into XXXX XXXX after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called XXXX XXXX and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have no knowledge of these two XXXX delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below XXXX XXXXxx XXXX XXXXxx
Consumer complaint received 2019-04-22
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. (NC)

The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (LA)

XX/XX/2022 reported fraud on chase credit cards and XXXX XXXXXXXX credit cards because of fraud and theft. 
They say it was authorized and it wasnt. Someone used my identity and information and used the cards.
Consumer complaint received 2018-11-27
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. (AZ)

Equifax verified that the accounts are mine and that they are correctly reported. However this is not the case. Simply providing me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFBP to remove the accounts XXXX XXXX XXXX XXXX which is showing multiple times and with different amounts, and XXXX XXXX as duplicate entry on my credit report
Consumer complaint received 2019-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I have been a member in good standing of PayPal since XXXX. I do not have any chargebacks nor any complaints. Out of the blue on XX/XX/XXXX PayPal decided to put a permanent limitation on my account. Essentially freezing all my funds and not allowing me to use their service anymore. 

What I would like to know is what do they think I did? I reviewed their Acceptable Use Policy and can find nowhere that I have violated it. They are holding over {$2700.00} of my funds that I am not able to access for six months. I need this money so that I can continue running my business. I do not think it is fair to banned me from PayPal especially when I have not committed any crimes. 

I contacted PayPal and told them I would like to start an appeal. All they did was send me back another form letter saying that I violated their acceptable use policy but did not indicate what specifically I violated. There have been many, many other people that have been terminated under false pretenses all over the world. This is a common complaint about PayPal. 

Again I have no complaints against me, no chargebacks and Ive had zero issues with PayPal from the beginning. 

I am a small business owner and it is unconscionable that PayPal without warning, decides to hold my business and my money hostage. If you can please look into this I would be very grateful.
Consumer complaint received 2018-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

I had sent money to two people XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend XX/XX/2018 XXXX XXXX XXXX Complete XXXXUSD Tracking # ( XXXX  ) : XXXX XXXX XXXX Show details Edit & resend I had told them that it was fraud, every time I call them I get a foreign person asking me for the XXXX numbers not case numbers this was for loan fraud, I am disputing this matter, I want my money back they have not made a resolution, so I need to complain hank you for contacting Western Union. 


We'll attempt to contact you within 24 hours using the contact information that you have provided to us. 


For your records, your Case # is : XXXX Please note this is an automated response. We ask that you not respond to this email. 
You may also call us directly at XXXX, so a customer support representative can help you. 



Thank you, Western Union Customer Care www.westernunion.com This is the email I keep getting from them, it was fraud, how can you open accounts when you are illegal then use it for scam or fraud to receive money and nothing is done, what part do they not understand, again I had XXXX and are not in the mood for this, I want my money back refunded for fraud, and the person keeps asking me for more for loan transfer I am not falling victim I am not stupid, I do not feel good to go through this XXXX, again I have contacted the number they gave me and they keep asking me for same information over and over again, this is for corporate office, I want a resolution refund back, please advise I am really upset that this is happening. I am not loosing my money I work hard for, got me behind in bills, because of this scam XXXX and and a foreign person on the other end can not help me with my case number.
Consumer complaint received 2018-09-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I lost my job in XX/XX/2018, I called my loan company to see if I could use the coverage I signed up for when i originally signed my contract ( i.e. help making a payment if I was ever unemployed ), at the time I was told I'd have to make the XXXX payment before I could use the coverage. I called a few weeks after making the payment to discuss the unemployment coverage and was told that since I was not collecting unemployment ( I had been denied my state unemployment benefits ) that I don't qualify to use the coverage I'd agreed to when I signed my contract. I asked if there was anything they could do to help to which they said no. I asked to cancel the upcoming payment since it was set up for auto withdrawal ( since I knew I wouldn't have the money the payment ). I had accepted a job through a temp staffing company but it wasn't due to start until the end of XXXX. I started conversing with my loan company around the beginning of office, I advised them I was trying to keep my car from being repossessed and if they took their auto payment it would overdraw my account causing more issues and risk me losing my car. 

The rep I spoke with told me she had cancelled the auto payments on the loan and I'd need to re-set up the auto withdrawals going forward to keep my loan on a good payment schedule. Turns out the company still tried to withdraw the money from my account and I had to file a dispute with my bank and nearly lost my car. They even tried to make another auto pay withdrawal again on XX/XX/XXXX and I am disputing it again. They want me to make a payment or do an extension but the condition is that I would need to add auto payments back to the loan. 

I've received multiple calls a day, including within the same hour. I've also gotten multiple voice mails left within the same hour on the same day. Every call I get comes from a different phone number which is really upsetting me. I am feeling harassed and under undue stress.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP (NY)

Good Evening, I am writing because I think Key Bank is running a scam with the XXXX Unemployment Checking/Pre-paid Accounts. My account was fraudulently accessed in XX/XX/XXXX via multiple ATM withdrawals. I contacted the fraud department and after several attempts of them telling me they couldnt prove my identity. I finally received a claim #. I later received a letter in the mail saying they would be refunding the money. Then I received a check in the mail for {$16.00}. I contacted them to ask what this {$16.00} check was for and when will I receive the $ XXXX they said they would be refunding? I couldnt get a straight answer. Instead, I got the run around and was even told that Unemployment closed the account, so the money was given to them. 

I knew that was a lie because Unemployment had sent me a letter a few days prior, stating that KEY BANK closed the account. I decided to play XXXX 's advocate and called Unemployment. They confirmed what I already knew. They only deposit money into the account, they dont withdraw or take custody of accounts and they reiterated that KEY BANK closed the account. I called Key Bank and told the customer service rep about my conversation with Unemployment. THEN the rep let me know that a debit card was issued on the account and the refund/ $ XXXX was withdrawn ONCE AGAIN via ATM over a series of days, despite the fact that I specifically asking Key Bank NOT to reissue a debit card after my account was fraudulently accessed the first time. 

I was given the transaction dates and amounts and transferred to someone else. I also requested the statements be mailed to me. All in all I was transferred around for XXXX hours before I got to the dispute department, who would then tell me they couldnt prove my identity. Once again I emailed my ID and waited. 

I reached out to Key Banks XXXX Office with my frustrations only to be treated like I imagined receiving transaction details from a Key Bank customer service XXXX On XX/XX/XXXX, I was told by XXXX O that, the reps wouldnt be able to see transactions to give me that information. WHAT?! I was then transferred to XXXX, who said they didnt find any error on their part and concluded that I was at fault and committed dispute abuse, meaning my dispute claim was fraudulent, so the $ XXXX would not be refunded and if I needed further assistance, I should contact customer service. I contacted customer service and again asked for the statements so I can file a police report. To date, I have not received the statements.
Consumer complaint received 2018-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Last year I filed a complaint concerning the misapplication of my payments and assessing late fees that were not correct nor were they justified. The Regulatory Case Number is XXXX-XXXX. After getting the complaint they went back and applied my payments properly until around the beginning of XX/XX/2018. They have once again misapplied my payments, incorrectly assessed late and other fees which to this day I still don't understand. Once again I have tried to resolve this issue with them but they're still insisting that I am behind in my payments. My payments are submitted by my bank every two weeks which coincide with my pay dates. In the month of XXXX and XXXX they received 3 payments but they are still saying I'm behind in my payments. Again I have contacted them on several occasions asking them to apply my payments as they were received. This morning XX/XX/XXXX, I received a phone call with a recorded message stating they have not received my payment for XXXX. I am at my wits end with this company. I know the company is saying that I am making illegal payments, but the contract states my payments are due on the XX/XX/XXXX of each month, and they receiving my payments in advance of the due dates. Base on the payments that have been sent, I should be paid up through the Month of XXXX. Once again I am asking for your help in resolving this issue ; that all payments be applied properly, all illegal fees that have been assessed be reversed and to ensure me that they will continue to apply my payments as they have been received. I'm also not understanding why only a little over {$2000.00} has been applied to the principle. Thank you
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XX/XX/2020 {$32000.00} Reported balance
Consumer complaint received 2023-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-22
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 (VA)

Airline tickets purchased last year for my grandson and myself, could not be used due to a medical situation. The insurance purchased through XXXX XXXX ( XXXX ) was given documentation to support reasoning for refund last XX/XX/2018, who in turn would not approve the claim prior to disputing with Capital One. It was my understanding that the purchase of insurance was to allow necessary changes should a problem arise. Well it did. A provisional credit was issued and months later, reversed. Both XXXX and Capital One, said they were going to re-open the dispute but there are still no POSITIVE RESULTS like my refund. The current balance on my Capital One account ( {$5000.00} ) is and have been for a while over my limit ( {$4700.00} ). The following are the items disputed : XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX. ... XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$39.00}
Consumer complaint received 2018-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Filed for an IBR on student loans through Navient back in XXXX payment increased over {$600.00} a month. Representative stated Navient had denied my IBR even though all other were approved and she would look into it. She comes back on the phone and states oh your approved I don't know what happened your new payment will be {$360.00} are you able to pay this. I stated what if I'm not, you can apply for the revised IBR. Payment is do in on XX/XX/XXXX. So Inquired about this revision affecting my forgiveness loan program she states it would not but we will have to give you a deferment for a month so your loan does not post late. This over the 3rd time that Navient has deployed tactics to increase our payments I believe illegally.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc. (CA)

XXXX XXXX XXXX billed unreasonably for my annual XXXX   preventive care check-up in 2015, which should be 100 % covered by my insurance. They even sent this to a collection agency, Credit Consulting Services , Inc . 

I have been working with a 3rd party investigator, XXXX XXXX XXXX ( prior XXXX XXXX XXXX XXXX ) to resolve this on behalf of me with the XXXX XXXX XXXX and Collection Agency. Neither the XXXX XXXX XXXX nor Credit Consulting Services , Inc. collection agency provided a reasonable answer and still demand me to pay a bill that I didn't owe. 

It's been more than 3 years and it still hasn't been resolved. It has affected my credit score tremendously, drop 60 points. -very frustrated consumer
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

On XX/XX/2018 I finalized a financing plan with Castle Credit Co Holdings, when I purchased a XXXX Vacuum Cleaner. Since then I have attempted to fix issues with the company but have been completely unsuccessful. Not only was an auto-pay never established as promised, due to that they are reporting my account being ( 30 ) days late on one occasion. I had already called them and spoke with a person in charge about this related to my auto-pay and was assured it was taken care of and would not affect my credit report. Now, they have a late payment on my credit files, which has lowered my FICO score by more than 100 points. In addition to having this issue with the company, they also illegally retrieved my husband, XXXX XXXX 's credit file. I never consented for them to pull his credit files, and he has placed a separate fraud action for that matter. He was not even present, and I was the only one doing  business with their company. I have this account solely in my name, and have a signed contract with my name and signature on it. My speculation is they preferred for him to be listed on the account with me, but that is not legal.
Consumer complaint received 2023-07-07
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. (FL)

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 XXXX XXXX XXXXXXXX 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 that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.