davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (AR)

I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2020-02-20
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. (AR)

I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX   XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute the existence of the following fraudulent accounts listed under my name : USDOEXXXX XXXX and XXXX XXXX After a thorough examination of my financial records, I have determined that these accounts do not belong to me, and I strongly believe that they are the result of identity theft or fraudulent activity.
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (CA)

Due to unexpected financial difficulties, I fell behind on my car payment. Initially, I was late about two weeks or so, however, I am now paying approximately 30 or so day after the payment due date. 

During this time, which began around XX/XX/2019, the company has been charging me a late fee after my 10 day grace period. I have not requested fee waivers as I understand how my grace period works. I own approximately {$250.00} in late fees. 

Since I am unable to make a {$1200.00} payment to bring myself current, the late fees continue to accrue. To help avoid more fees, I asked the lender if they offered any kind of assistance programs to help me get current. The lender advised they offer a payment extension program that would take the past due payment ( s ) and roll them to the end of the loan. When I asked to participate in the program, I was told the loan had to be current and the Late Fees had to be paid off. 

What's the point of offering an extension program, when the lender requires that the loan is current. If the loan is current, I wouldn't need an extension of payments. IN addition, how is a lender allowed to offer such a program, but require a customer to pay the total late fees in order to participate.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: H. Kent Hollins, Attorney at Law, P.A (CA)

The debt collector H Kent Hollins filed for garnishment 4 times including emptying my bank account. They have repeatedly harassed me with phone calls at all times day and night. They filed a lawsuit against me for XXXX $ owed. Which was due to me moving out of state and have sent communications to my employers regarding my debt. Since they bought the debt ( to which I tried settling with the original debt or as well as trying to settle with the collector and the collector refused to settle ). They have levied multiple unexplainable fees, 300 % over the original amount and will also charge additional fees to pay over the phone etc. They are not out to settle a debt, they bought a debt and have levied fees against it in order to balloon the balance. I have reported them to the XXXX, the KS Attorney General as well as you guys in order to stop their aggressive collection practices, their defamation via garnishment and their addition of misleading fees against a debt that has been paid for all intents and purposes.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

1 ) Account Info Creditor : Commonwealth Financial Original Creditor : XXXX XXXX XXXX, XXXX Account number : XXXX Collection opened : XX/XX/2019 Account type : Collection Department XXXX Agency / Attorney Balance Loan Amount {$650.00} {$650.00} Payment Info Original loan amount : {$650.00} Balance : {$650.00} Updated on XX/XX/2019 Contact : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Creditor : Unknown Collection Opened : Unknown Account type : Collection Department / Agency / Attorney Balance Loan Amount : {$26.00} Payment Info Original Loan Amount {$25.00} Balance : {$26.00} Updated on : Unknown Contact : Unknown
Consumer complaint received 2021-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY.

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2022-10-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (AZ)

I paid a collection in full to XXXX XXXX XXXX on XX/XX/2015, account # XXXX. The original creditor was XXXX XXXX XXXX. 

This complaint is about Pendrick Capital Partners LLC. Their account is XXXX. They sent me a collection notice for a debt that was paid. I sent receipts over email showing it was paid. They claimed they needed more information. I contacted XXXX XXXX XXXX and was told they no longer had information on my account as it was too old. Pendrick Capital demands information from the previous creditor who no longer has this information. Receipts are apparently not good enough
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-10-15
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. (CT)

I am trying to get a place to live and XXXX XXXX with Transunion continues to decline my application. When I call them I am asked Verification questions and they always claim I failed. I was told if I fail again I will have to wait another 30 days. I don't know what to do and begging for help.
Consumer complaint received 2019-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

I have put in for disputes I recently XX/XX/XXXX Have received a call from my parents home about being served papers of a court summons dates XX/XX/XXXX Not giving me the proper timing to respond This has shown on my credit report by two different collectors I have no idea the debt their collecting And frankly feel like their fraudulently doing this ... 


Last year XXXX XXXX XXXX asked me to pay a large lump sum through some account I did and its still on my report after sending XXXX two years ago its still there .... 

So this makes me feel like this maybe something similar that their trying to pocket money for a XXXX XXXX I do not recall any loans from this bank
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My primary checking and savings accounts were frozen by Bank of America ( BoA ) on or around XXXX XXXX XXXX. I was not notified or aware of this until XXXX XXXX XXXX after receiving information from my university 's financial aid office that my tuition payment was rejected due to a " Dishonored Account. '' I promptly called the BoA customer line ( XXXX ) at XXXX XXXX on XXXX XXXX XXXX and spoke to a representative. I was informed that my account was frozen because there was missing information from a co-owner, my mother. She does not have access to the account and should have been removed from co-ownership over a year ago. However, BoA 's records indicated that she is still a co-owner on the account. I am the sole owner of the accounts and have been since I opened the accounts in XXXX. The representative informed me that my accounts could not be unfrozen until XXXX updated " profile information '' with the bank. Federal Customer Identification Program ( CIP ) laws were cited as the reasoning behind the frozen account.  Getting nowhere with the representative on the phone, I visited a local BoA branch in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and spoke with a Relationship XXXX, XXXX XXXX. Initially XXXX XXXX was not able to even locate my accounts in the system using various points of information -- including my SSN and previous addresses. Once we were able to locate my accounts in the system, a message indicated that we needed to call the Texas branch of BoA and speak with a representative over the phone. Again, I was told that the co-owner must " update profile information '' before the account could be unfrozen. No information about the nature of " profile information '' was given and at no time was proper notice given to me. XXXX CFR XXXX - " Customer identification programs for banks, savings associations, credit unions, and certain non-Federally regulated banks '' laws do not require additional information be provided to the banks after the initial opening of accounts -- which occurred around 11 years ago. I believe my accounts have been frozen under immigration/citizenship questioning as many others have reported with BoA since XXXX -- despite both co-owners being natural-born citizens. I believe that these actions are unlawful and these actions by BoA have caused several of my normally occurring bills to bounce, become late, negatively impact my credit, and incur additional fees from billing agencies. This has caused me undue financial hardship and negatively impacts my job status as I have needed to spend hours away trying to sort it out.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I have been receiving constant telephone calls of harassment, abusive and profane language, XXXX  of being XXXX  and sent to XXXX  and XXXX  and XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX for debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The following accounts are fraudulent and the is the result of identity theft : XXXX XXXX XXXX, {$4900.00}, XXXX XXXX XXXX, {$1100.00}, XXXX XXXX XXXX, {$760.00}, XXXX XXXX XXXX, {$750.00}, XXXX XXXX XXXX, {$660.00}, XXXX XXXX XXXX, {$9100.00}, XXXX XXXX XXXX, {$6100.00} and XXXX XXXX. The above debt collection companies are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (TX)

Amsher Collection Services sent me a bill 5 days after receiving my final bill from XXXX. They placed this collection account in all 3 credit reports with a balance of XXXX due immediately on XX/XX/XXXX. Which my final bill from XXXX is XXXX and was not due until XX/XX/XXXX. They will not remove this inaccurate information from my credit file. And I do not understand how they can have a collection due prior to my XXXX bill being due. And this company is reporting false amounts due.
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (AR)

I wanted to cosign a vehicle for my daughter and I was told by the salesman that my credit was terrible and that I was not eligible. I asked him what was the reason behind that and he refused to give me that information. I went home and pulled my credit to myself to see what was happening. I found many unknown fraudulent items being opened under my name, social security number and address. This is very unacceptable and I need these items to please get removed fro my credit report. 

XXXX SELF-REPORTED XXXX {$90.00} XXXX SELF-REPORTED XXXX {$100.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX XXXX {$380.00} XXXX XXXX {$770.00} XXXX XXXX {$2000.00}
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

The company is reporting a debt that's out statute they are reporting an inaccurate date of last activity and account history. Please make them show proof of what they are reporting to my credit which is causing an undue hardship.
Consumer complaint received 2020-02-20
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and a couple of inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$70.00} XXXX XXXX {$4800.00}
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Transunion will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Transunion can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX - XX/XX/XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX - XXXX XXXX, XXXX ( 4 )  XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX ( 6 ) XXXX - XX/XX/XXXX ( 7 ) XXXX  - XX/XX/XXXX XXXX 8 ) XXXX  - XX/XX/XXXX ( 9 ) XXXX XXXX  - XX/XX/XXXX ( 10 ) XXXX XXXX - XX/XX/XXXX ( 11 ) XXXX XXXX - XXXX  XXXX, XXXX ( 12 ) XXXX XXXX - XX/XX/XXXX ( 13 ) XXXX - XX/XX/XXXX ( 14 ) XXXX  - XX/XX/XXXX ( 15 ) XXXX XXXX - XXXX  XXXX, XXXX ( 16 ) XXXX XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. XX/XX/XXXX
Consumer complaint received 2018-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc. (FL)

Loan funded Role : Borrower Applied : XX/XX/2018 ( 4 months ago ) Financing Amount : {$2700.00} Interest Rate : 14.50 % School logo Application Ref # XXXX XXXX XXXXXXXX XXXX Start Date : XX/XX/2018 I attend XXXX of XXXX, Fl for a XXXX XXXX which cost XXXX as told with option of monthly payments that was never made clear until I finish the course and started receiving email how I need to make $ XXXX  monthly payments when I talk with climb credit the company who loan the money for the XXXX XXXX told me over the phone monthly payment are set by me I pay what ever I can offered so I said ok. A few months later I'm being told I have to pay {$500.00} because I miss two monthly payment when on their web site ( climb credit My Applications login ) I cant set up my monthly payment plan to what ever I like. Why have this option if it will not be honor this makes no sense how can I choose my monthly payments in the first place if this institution imposes a mandatory monthly payment please help they are practicing illegal lending thank you.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I over paid the balance on my credit card and asked it to be returned back in XXXX. As of the date of this complaint I still haven't received the money and now think they should pay interest at my current card rate since the time they have said they sent the money owed to me. My last inquiry was in XXXX at which time I was informed again that the check had been sent again. I still haven't received any check and I am tired of being told it was sent. 
They charge interest on my balances so now they should pay me interest on the balance they owe me.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NC)

Venmo has been illegally holding {$800.00} of my money first they froze my account after I received the money and told me that they need to identify who I was in order to release the money on the account I provide them with my driver 's license. Then they stated that oh well in order to unfreeze your account the card that you have attached send us the card statement to the credit card or debit card that you have on venmo. My bank does not have card statement. My bank does have account statement I provided them with that. After that they still refuse! I need my money.