davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: SYNCHRONY FINANCIAL (MA)

Subject : Complaint Regarding Venmo Credit Card 's Mishandling of Dispute - Unsatisfactory Hotel Experience in XXXX Dear Sir/Madam, I am writing to formally file a complaint against Venmo Credit Card for their mishandling of a dispute I submitted regarding a hotel stay in XXXX, where I experienced extremely poor service. I paid for the hotel using my Venmo Credit Card, and the total amount involved in this incident is {$2300.00}. 

During my stay at the hotel, I faced numerous issues including rude staff and unattended room service requests. I made several phone calls to the hotel management to address these problems, but they were unresponsive and uncooperative in resolving the matter. 

Upon my return, I submitted a dispute with Venmo Credit Card, detailing the entire incident and providing evidence in the form of records of phone call communications with the hotel. Despite my efforts to communicate the severity of the situation and the hotel 's negligence, Venmo Credit Card mishandled my dispute and failed to provide an adequate resolution. 

As a result, I am seeking the assistance of the Consumer Financial Protection Bureau to help me resolve this matter fairly and ensure that I am not financially burdened by the hotel 's misconduct and Venmo Credit Card 's poor handling of my dispute.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

Greetings and Blessings from the XXXX XXXX XXXX. Per the FCRA as a federally protected consumer and child of XXXX. I am formally REVOKING, REMOVING and OPTING-OUT of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. Account : XXXX, XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests and filing a FTC Fraud report. My demands as federally protected consumer have been ignored. Currently XXXX, XXXX, TRANSUNION, XXXX are in direct violation of my federally protected rights, by which I have numerous attempts of exercising my right to privacy and accurate data furnishing.
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

The company, Transworld Systems. Also known as TSI continuously fail to properly validate a medical debt they say I owe. On XX/XX/2108, I requested a debt validation. They only sent me a print out of a bill, which included private medical information. They failed to send me a requested HIPPA release form with my signature on it authorizing XXXX XXXX to share my private medical information with them. 

Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit. They claim that the situation was resolved, but it wasn't. 

The debts are in the amount of {$1000.00}, {$500.00} and {$250.00}.
Consumer complaint received 2022-03-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (TN)

URGENT! 
I have a closing next Friday XX/XX/22 In order to close on time I need my Partial Claim Payoff Statement from HUD. In order to receive my Partial Claim Payoff Statement I need Midland to file the partial lien claim with the Department of Housing and Urban Development in XXXX computer system. Midland still hasnt done this. I keep calling Midland to get this resolved and no one has taken any action to correct this for me. Instead Midland keeps pawning it off on HUD. They keep telling me to call HUD. Yet HUD has explained to me how this works and how Midland has to file this in the HUD computer system in order for them to move forward and issue me my Partial Claim Payoff Statement. Ive attached a email from XXXX who services the Partial Claims for HUD. They are also stating that Midland has to file the partial lien claim in order to move forward. I need this corrected ASAP to close on time.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (CA)

XXXX XXXX offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX XXXX or other companies they promoted. Credit was being offered based on XXXX XXXX credit monitoring which had negative affects on my credit report.
Consumer complaint received 2020-04-27
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 (NY)

A credit card was issued on my name and Capital One sent me to collection. I am in court fighting to clear my name and credit history. Capital One has allowed a fake company name XXXX XXXX XXXX business credit to issue this credit card. I need help locating this company and clear my name and fix my credit.
Consumer complaint received 2019-04-26
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. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}
Consumer complaint received 2020-06-07
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)

My score was XXXX. I did nothing different the status even says they show no changes to my report yet Transunion dropped my score by 61 points. This is not fair and a way for this agency to assist companies in applying higher rates because of a low score. I have not been late in over three years on any of my accounts. I have not applied for new credit. I have not become delinquent on any of my accounts, and I continue to pay down my balances which most are below 30 %. There is no explanation for this drop in my score. There should be an explanation required by the credit bureaus to drop a score so significant with no changes to a consumer 's report. Please assist.
Consumer complaint received 2019-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I have been paying my loan since XXXX in the original amount of {$20000.00}. Most of the money I pay goes to the high interest rates which are non-negotiable ( or so it seems that way ). The loan amount was brought down in XXXX of XXXX for {$10000.00} and in XX/XX/XXXX they threw in the capitalized interest of {$1100.00} which brought the total amount to {$11000.00}. The loan was only reduced because I had to dropout of school since I couldn't afford it. Sallie Mae sold the loan to Navient on XX/XX/XXXX for {$9500.00} and I've gotten it down to {$5600.00} since then. What I have paid in the lifetime of this loan so far is {$16000.00} ( Not the exact amount ) which comes out to the lender gaining about {$5000.00} on interest alone. The total amount of what I have paid so far is worth more than what the total original amount was that I was being charged and even the amount when it was sold to Navient. I have tried several attempts every year to call Navient and get a lower interest rate so I could actually make a dent in the loan amount but the answer I always get is that they can't do anything for me because it's a private loan. The only thing they can do is put me into default which will allow me to financially recover for a bit but the interest would continue to accumulate. I've paid more than necessary every single month yet the interest keeps going up and no matter how much I beg to have them work with me, it doesn't change a thing. I went to school when I was XXXX, I'm XXXX now with a family and have debt that is much more important to manage than this private loan yet I can't seem to get anyone at Navient to help me out. The lenders are the same with their unwillingness to work with people even if we're trying to do the right thing and repay them. I've gone from 10 % to 12 % interest in the last year alone and I am starting to pay {$300.00} a month yet I see only a small difference in the principal balance. It's disappointing that people who are trying to get an education in order to have better lives can't seem to do so without carrying the weight with them the rest of their lives.
Consumer complaint received 2022-03-12
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. (PA)

XXXX XXXX  POSTING NEGATIVE INFORMATION ON MY CREDIT REPORT. 

These Companies Listed in ( Exhibit C ) of my ( Affidavit of Demand for Debt Validation and Records Correction ) ( Attached ) have reported invalidated information to any or all of the XXXX major Credit Bureaus XXXX Equifax, XXXX or XXXX ) which constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by these companies I will not hesitate in bringing legal action against you with FTC as well as any other relevant agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character 4 ) If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Affidavit of Demand for Debt Validation and Records Correction
Consumer complaint received 2020-06-07
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: EQUIFAX, INC. (IL)

I have repeatedly disputed a collection account reported on my credit file associated with XXXX XXXX. The account was removed from XXXX XXXX XXXX XXXX  reports, however Equifax refuses to remove the trade line despite repeated challenges. When queried with regard to verification methods, no response/information is ever provided. I additionally challenged a " payment deferred '' remark added by my student loan servicer subsequent to implementation of the CARE Act which negatively impacted my credit scoring. I disputed the remark, as I am under an IBR agreement & did not initiate any deferment actions. Again, XXXX XXXX XXXX XXXX removed the remark, Equifax maintained it as accurate. Lastly, I requested outdated XXXX charge off account be removed. Once again XXXX XXXX XXXX   acquiesced & XXXX maintained the account. My last dispute with Equifax also resulted in 20 point drop of my Equifax credit score. 

Aside from the above mentioned issues, a recent request for a credit limit increase was denied due to the inaccurate information maintained by Equifax. XXXX XXXX specifically referenced information provided by Equifax as having driven the denial. 

Equifax needs to be held accountable for its lack of integrity as it pertains to the individual consumer. For maintaining innaccurate and/or outdated information, & the repercussions unjustly suffered by those committed to maintaining good credit profiles, and/or working diligently to improve credit worthiness.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fay Servicing, LLC (CA)

Faye servicing is my mortgage carrier, I had damage to my property on XX/XX/2020. My insurance company issued a check for {$4800.00}. The check was written to me and Faye servicing. Faye servicing said I had to endorse check and send to them.

And go to insurance check XXXX. However Faye servicing and this company took the money and has refused to issue a new check. Instead, they required a list of documents needed for the funds to be released. These documents include : contractors license, w9 form, sign contract, and lien waiver. I sent this in and they rejected w9 and lien waiver, per Faye servicing they wanted these forms in there company form. I sent the new forms in and again they refused to issue the replacement check. They then stated they do not accept XXXX contracts and I would need to get physical signatures. 
The rejection of documents has been going on for 15 business days. However, this company is holding onto checks and making interest on funds while the consumer has to jump over hoops to obtain insurance funds that are rightfully theres
Consumer complaint received 2023-07-26
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. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

I don not have any knowledge of this debt or where it comes from. 
I have never received any written notification about this debt. 
It should not be on my credit report due to me not having a chance to validate this debt. 
It needs to be removed from all three credit bureaus.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote Trans union on XX/XX/XXXX to XX/XX/XXXX asking them to remove an incorrectly reported tax lien on my credit report. I had written Transunion, XXXX, and XXXX   of which after a long process only XXXX and XXXX   removed the incorrect tax lien The tax lien was for Case # XXXX for {$820.00} that they listed twice The second tax lien was for # XXXX for {$270.00}. 

These liens were for a XXXX XXXX and due to her employer not reporting her withholding correctly. The court released me from the debt and the error. 
I sent the letter from the court to the credit companies but Trans Union didn't remove anything. Transunion reported it twice on my report. It caused me to have to pay over {$50000.00} in high interest for over 8 years. I had to struggle to get loans and it took me 18 years to buy my first home even with a VA loan. 

Also, they listed I have a 3-year credit history but I have paid loans since I was XXXX years old. My credit goes back 25 years.
Consumer complaint received 2023-07-26
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)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
Consumer complaint received 2018-09-18
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. (OH)

XXXX XXXX is the only negative account on my credit report. I do not believe I owe on this account and have been unsuccessful in obtaining documentation, but worse this is a third party collection company masquerading as a credit grantor. Third party collection companies may not report as open / active type of tradelines. This has extremely effected my credit score, as my only negative account, as it shows it's an open active account that is currently not being paid on time. It also updates monthly as an active account. Only original credit grantors may report accounts as open / active, or report account type as anything other than 'collection '. Collection companies do this to have the maximum impact on your score, and it is illegal.
Consumer complaint received 2021-03-07
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: EQUIFAX, INC. (TX)

Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TN)

Municipal Services Bureau ( MSB ) XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX / XXXX Fax XXXX Municipal Services Bureau is trying to collect on a court case that was dismissed back in XX/XX/XXXX. We have received multiple calls but I don't have dates on those. I do have the letters and response date showing proof that the debt is not owed. 
Received Collection letter from MSB dated XX/XX/XXXX demanding {$240.00} from a XXXX County Court TN-Circuit Court stating the fine had not been paid. I had my administrative assistant call in to XXXX and she was informed it was an oversight and would be updated. 2nd demand letter dated XX/XX/XXXX received for same amt {$240.00}. We called XXXX County Court on XX/XX/XXXX spoke to XXXX that transfered us to XXXX who confirmed the case had been dismissed on XX/XX/XXXX and no debt was owed and that they would send notice to the collection agency MSB. Admin called XXXX on XX/XX/XXXX spoke to Rep adv of what court stated and they were sending proof. Around XX/XX/XXXX a collection called was made to my company still trying to collect the {$240.00}. At this point I gave my office manager permission to take over trying to resolve this matter.She called XXXX County on XX/XX/XXXX and had a copy of the court dismissal faxed to her and wrote a letter to MSB advising I didn't owe this debt to update their records and cease and desist all collection tactics and included proof from the court where the case was dismissed. Her and myself signed this letter. 3rd demand letter dated XX/XX/XXXX Office Manager called and spoke to rep who again said it was an oversight and would be updated. We received another collection call at my company on XX/XX/XXXX My Office Manager spoke to them went through everything again with rep asked for fax #. XX/XX/XXXX My office manager wrote letter with dates that we have sent proof along with copies of letters and proof from court and for the debt to be removed and cease and desist further collections tactics she faxed the letter to XXXX and got transmission verification report confirming it went through at XXXX XXXX eastern time. She also mailed the letter w/copies of previous letters and proof of the case being dismissed and debt not owed. 4th demand letter dated XX/XX/XXXX received for amt {$240.00}. I have not responded to this letter as nothing is working and I am asking you to step in on my behalf to help resolve this situation.Copies of documents can be provided.
Consumer complaint received 2019-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XX/XX/2018 I had mail stolen and the suspect attempted to open an account with XXXX XXXX  on XX/XX/XXXX. I contacted XXXX XXXX and they immediately closed the application and said the inquiry would be removed from my Transunion credit report. I contacted them again in XXXX when the inquiry was still on my report and they said it will be taken care of within 30 days. It remains on my credit report to this day. 

I contacted Transunion and disputed the inquiry and their investigation determined this was accurate and did not remove it. I filed a follow-up complaint Transunion never responded to.