davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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)

Reporting a closed XXXX XXXXXXXX XXXX account for late payments as well as dropped credit score XXXX point in less thank 30 days ... also reported amount was {$500.00} and then {$200.00} I called XX/XX/2022 they corrected it by XX/XX/2022 then reported the same information causing credit score to drop I disputed twice XX/XX/2022 and XX/XX/2022 asking to remove late payment due to accout being paid in full and not being late information reported was false
Consumer complaint received 2022-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (TX)

On XX/XX/2022 I signed up for the XXXX XXXX XXXX program with XXXX XXXX XXXX. I was advised by XXXX  XXXX  to send and email to Upgrade to stop my auto draft. I sent the email to Upgrade on XX/XX/XXXX. On XX/XX/XXXX Upgrade drafted {$230.00} from my checking account. My wife contacted Upgrade ( on a recorded line ) and was advised that yes auto pay had been turned off and she initiated the refund process. Again I sent an email requesting that auto pay not happen in the future. The refund was denied. On XX/XX/XXXX another payment was run on my account and this time it left me with a negative balance of {$180.00}. Again my wife reached out to Upgrade ( again on a recorded line ) and was advised that I did not have auto pay turned off. The representative read a disclaimer stating that auto pay would stop as of XX/XX/XXXX. My wife requested that the auto pay stop be backdated to XX/XX/XXXX and the representative stated she could not ( would not ) do that. I have contacted my financial institution and started a Fraud charge case, and in the next week I will be closing my checking account. Multiple questions- why would I call about auto pay if it was active? why do I need to close my checking account to prevent this from happening again? and why did I have to initiate stop auto pay on XX/XX/XXXX when it was already stopped?
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (MD)

My mortgage was with XXXX. In an letter dated XX/XX/2019, XXXX undertook an escrow analysis and indicated that my new mortgage payment would be {$3800.00} starting XX/XX/2019. In XXXX of 2019, BSI Financial purchased the loan from XXXX. I made timely payments to BSI Financial and in XXXX of 2019 pursuant to the letter form XXXX began payments of {$3800.00}. BSI has refused to recognize these as payments in full and claims I owe {$400.00} per month more. BSI claims that the new lower payment of {$3800.00} will begin in XXXX of 2019 with no explanation of why the Roundpoint letter/date was invalid. 
I have filed 2 requests on-line with BSI to investigate this matter and have received no response. As follow up to a call from BSI, I emailed BSI the XXXX letter indicating the new payment amount ( {$3800.00} ) and that that payment began XX/XX/2019. I received no response. 
BSI has called me 3 times and in each case I have asked for a response in writing. I have received nothing from them in response. In a recent call BSI suggested that I make payments of approximately {$800.00} to them now that they would refund in XXXX. I noted for them that this sounded like a scheme and I would not be making the payments and accept a refund unless they proposed that to me in writing. To date I have received no response.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (LA)

i've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.
Consumer complaint received 2018-08-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (MA)

Hello : Fay Servicing LLC is a debt collector working for XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. 
We have several attempts to discuss a trial payment plan sent to us that is not affordable, but XXXX XXXX, the account manager at Fay is completely unresponsive to emails or phone calls. 
The amount that Fay is trying to collect is different from the original debt and not documents were provided to show why there is a difference. 
They are trying to foreclose on our home. We have XXXX  children and XXXX is XXXX XXXX XXXX. 

The loan was divided in two loans, one was dismissed in XXXX Superior Court when XXXX XXXX just like Fay Servicing try to collect. 

We need assistance from the CFPB to stop this injustice. 
XXXX Family
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 -- later in the night -- an unknown person gained access to my Wells Fargo accounts and deposited two fake {$1500.00} checks into my savings account, transferred to money to my checking account and then sent the money to himself before the checks could bounce, resulting in a total of XXXX unauthorized transactions. On XX/XX/2022, I reported the transactions as fraudulent which consisted of a two hour phone call with XXXX from Wells Fargo. To date, only XXXX of these transactions have been reversed, the two remaining transactions being XXXX {$500.00} XXXX transfers to a man named XXXX XXXX, {$1000.00} in total, half from my savings account and half from my checking account. Up until that point, I had never accessed the XXXX software embedded in the Wells Fargo banking app, and never had an account set up with them. At this point, I am still trying to reverse these final XXXX transactions to get the money back and help my mother 's credit score, as she is a joint owner of the account. Until XX/XX/2022, Wells Fargo denied our claims to reimbursement under the pretense that the transactions were not in fact fraudulent, saying " either you or someone with your authorization authorized the transactions ''. On XX/XX/XXXX, however, after another phone call with Wells Fargo on the XXXX, Wells Fargo sent me a secure email through their website, and gave me a different response, saying they could not reverse the transaction or reimburse me due to the medium of transaction, as it was through XXXX and not directly through Wells Fargo. They said that I would need to handle the dispute through the recipient 's financial institution -- which I do not know as I do not know who XXXX XXXX, or whatever his real name is -- if I were to be reimbursed.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Associates (NC)

Piedmont Credit & Collection Svs. Has reported to credit bureaus that I owe a medical bill to XXXX XXXX XXXX XXXX. I contacted the hospital and they informed me that they do not have any records of a balance due. I contacted the collection agency and ask them to provide documentation to verify the debt. They sent a copy of a signature that is not mine. Also they have changed the amount owed several times. This is inaccurate and doesnt belong to me.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2018-08-16
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MO)

Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Ally to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Consumer complaint received 2022-02-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (FL)

CKS Prime Investments , LLC at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX has been sending me collection notices in the amount of {$9700.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I noticed an unauthorized purchase was made on my Venmo account on XX/XX/2022. 

A total of {$100.00} was transferred from my linked checking account to purchase {$100.00} of Litecoin and included a fee of {$2.00}. 

I contacted Venmo and asked them to investigate. They froze my account for a couple of weeks and asked that I change my password, which I did. 

Today I received a response that my claim was denied and that the charge was not unauthorized. 

I read that there are other claims similar to mine and that this is being actively investigated. I absolutely did not authorize this purchase and at the time did not even know that virtual currency was able to be purchased through Venmo. 

Please advise on next steps for resolution or if anything else is needed. I am including the text from Venmo 's reply email today below. 


Hi, XXXX Your Venmo dispute case has been denied Original transaction : Transaction amount : {$100.00} USD Crypto bought : XXXX LTC Dispute amount : {$100.00} USD Date : XX/XX/2022 Dispute ID : XXXX Reason : You submitted your claim because you did not authorize this purchase. 


We received the case ( s ) you filed on XX/XX/2022. We have reviewed this transaction ( s ) and are denying your case ( s ) : This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your claim, please email us at XXXX. Please include your name, the email address on your Venmo account, and the date you reported the claim. 

Thank you for your patience and cooperation. 

Please don't reply to this message. To get in touch with us, click Help & Contact.
Consumer complaint received 2022-02-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've been a victim of identity theft. The account listed should be blocked, removed and/or suppressed for this is fraudulent and/or inaccurate. Account : XXXX XXXX XX/XX/2015 {$0.00}.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (CA)

Ive filed a dispute to correct and remove an account thats more then 7 years old twice and it keeps getting denied. Its been 3 times already and Ive called them several times and the most recent time as of XXXX  Equifax is saying the account is not showing a date of last delinquency. I know the account itself is old and Ive reached out to XXXX and they told me theres nothing that they can do about it. If theyre denying the dispute then they have to know the date of last delinquency so Im not sure why this account from XXXX XXXX can not be deleted from my report. Ive tried several times and waited for months to end up constantly going in circles about this. I just would like this off of my credit report so I can continue to build and fix my credit. But this hinders me even though its old. Thank you.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (VA)

I mailed a letter to Equifax in XX/XX/2022 disputing a bankruptcy that they are inaccurately reportingon my Equifax credit report. Equifax sent me results dated XX/XX/2022 stating that they verified the bankruptcy information with XXXX but that is false because I have a letter from XXXX dated XX/XX/2022 that states XXXX removed the bankruptcy from their report so how could Equifax have verified the information with XXXX? I have attached the letter XXXX sent proving the bankruptcy is removed from their data base. I also attached the dispute results Equifax sent me stating the bankruptcy was verified with XXXX after XXXX had already deleted the bankruptcy. 

I also have a letter from the court stating that they do no communicate with credit reporting agencies. Also, the bankruptcy being reported but there are no accounts included in the bankruptcy. How can there be a bankruptcy with no accounts included in it? A bankruptcy can not be empty. But Equifax still did not remove this information after I disputed explaining that fact. This situation has caused me a lot of stress. I want this bankruptcy removed from my Equifax credit report once and for all.
Consumer complaint received 2023-07-19
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: Avant Holding Company, Inc. (DE)

I called avant on XXXX XXXX to report to fraudulent transactions on my card totalling XXXX. No reg e credits have been applied to my account. I was told by an agent and a supervisor today that the don't create a case until after the ten business day, that reg e requires then to either respond to the dispute or issue the credit to investigate further. They are violating the law into the way the handle fraudulent dispute.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I.Q. Data called my phone on XX/XX/2018 to discuss a debt that I had already disputed in writing. The first lady on the phone seemed nice and acted as if she was understanding the situation that my old apartment complex had put me in. She tried to tell me about laws regarding age of carpet and charges to tenants. Then her supervisor XXXX got on the phone and was yelling at me about how I needed to give them my credit card information right away or else it would show up negatively against me. I let her know that I did not feel comfortable giving out that information and she proceeded to tell at me about how i was refusing to pay. I repeated that I was disputing the charges and she hung up on me. The company still has yet to investigate my dispute.
Consumer complaint received 2024-02-13
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX.I applied for discover cash back credit card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Discover has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXXXXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with XXXX and Equifax
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

on XX/XX/2018, I received a notice of assignment from a company called resurgent capital claiming i owed money to them from a debt from XXXX XXXX. I responded with a letter on the same day via return reciept certified mail. I requested they provide proof of this supposed debt, and also stating that i was disputing this debt. They responded on XX/XX/XXXX with a letter dated XX/XX/XXXX, stating i had to inform them in writing ( which i already had ) that i dispute this account. I responded that day with another letter stating i had already in fact disputed this supposed debt and that by sending me another request for me to put something in writing, they had violated florida debt collection practices, two days later they sent me a generic statment of account from there own computer system, attempting to pass this off as proof of this debt. I responded this morning, andd informed them that since they are unable to provide proof they are to cease and desist immediatly from contacting me or attempting to collect on this supposed debt. theey have violated the FDCPA by calling my husband on his cell phon regarding this debt and have failed to provide any proof of this supposed debt.
Consumer complaint received 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GREAT LAKES (GA)

Hello, Im contacting in regards to my closed student loan account listed on my XXXX  and XXXX credit report. 

I did contact and try to dispute the account about a year ago on XX/XX/2018 but was informed I could not as it was only 6 years and to wait the 7 year mark. 

It is now 7 years and 7 months and I was trying to see if I could now get this account removed. 

I was not allow to resubmit my dispute again so I was referred to contact the company this way.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Problem with a credit reporting company 's investigation into an existing problem In XX/XX/XXXX, I submitted a dispute into an account on my TransUnion file, that had been indeed deleted for more than 30 days. XX/XX/XXXX is when the account was re-inserted into my credit file. 

This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$5000.00} Reported balance Credit limit {$5000.00} You're using 101 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 10 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$5000.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor XXXX 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I  have requested a method of verification before the item was deleted, however, it has returned back into my file and noted as " verified by the creditor ''. I have not received the method of verification from either the credit reporting agency, TransUnion nor the creditor listed above.