davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-11
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. (MO)

I'm disputing the following two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX  {$3200.00}, ( 2 ) XXXX XXXX XXXX {$1700.00}, the credit reporting agency Experian did not properly investigate or disclose the Method of Verification into this matter. It was a demand to know requested. Instead of providing me the consumer with the details and certified physical documentation, Experian violated my consumer rights by accepting electronic Verification as proof. Therefore these accounts shall be removed/ blocked immediately. If Experian continues to violate my rights, I will file with the FTC and start suit. Experian has hindered me from buying a home and showing poor judgement via my credit file. Also please remove any and all remarks.
Consumer complaint received 2018-07-12
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)

I received an email on XX/XX/2018 from my Transunion account stating my credit dropped 36 points. I called and was told they could not offer me an explanation as to what caused it to drop, they reviewed the 6 factors that may have cause it, I explained nothing had changed from XX/XX/XXXX to XX/XX/XXXX to  have caused that drop. They offered me a copy of my credit report. Once I received and found no changes from XX/XX/XXXX to XX/XX/XXXX that could have caused a 36 pt drop I called again. I spoke to XXXX ( XX/XX/18 ),  XXXX explained the 6 factors and went over my accounts with me which I explained they were all the same, nothing has changed. XXXX could not give me a reason for the drop, I was transferred to a Supervisor XXXX. XXXX also could not explain why it dropped 36 pts but explained he  would remove a few accounts that would be dropping soon anyhow. About a week later my score went back up to XXXX. On XX/XX/XXXX I got another alert that my score dropped 39 pts and the 1 change in my report was a balance decrease of {$310.00} on my XXXX XXXX. I have been working on my credit for some time now and having Transunion dropping my score by 36 and 39 pts at a time is causing a huge hardship for me, especially when they can not explain why its being dropped. I can not work on fixing a 36/39 pt drop when they can not explain the reasons. I hope you are able to assist me with this issue.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AK)

It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient. 

Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''. 

I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans.
Consumer complaint received 2023-09-13
Product: Credit reporting 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. (FL)

I was never late on this account. 
XXXX These account era incorrect and not are mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I am being reported to the credit bureaus for a XXXX late payments when I submitted my payment by XXXX XXXX XXXX. In fairness, I should only be getting reported for XXXX missed payment. 

I knew that it would not rectify both late payments, despite the error being based on my credit union 's stop payment on the XX/XX/XXXX payment. I had to put in a stop payment with my bank, XXXX XXXX XXXX XXXX XXXX, when I had accidentally paid the entire balance of {$2600.00} instead of a smaller payment of {$200.00} by pressing the wrong button on the app. The stop-payment was put in place by my bank, but I did not know that a stop-payment would be placed against the future payments I would make on the app. I received phone calls from Discover, but I had thought that these were telemarketers or frauds calling me to solicit products. It turned out that my {$200.00} payment for and subsequent {$95.00} payment ( XXXX and XXXX ) were returned by my bank, as well. 

I had asked the customer service representative at Discover if I could pay by XXXX and resolve the matter of the second late payment -- it was too late, in my opinion, to rectify the issue of the first late payment. I know at least XXXX late payment would be reported to the credit bureaus. He said yes. Under the impression that a wire payment would bring me up-to-date, I paid {$150.00} dollars, higher than what was required, on XX/XX/XXXX at XXXX PM, XXXX. I assumed that it had been posted THAT DAY. I checked with Discover on XX/XX/XXXX, and they said that it did not post, that sometimes XXXX and the like agencies do not POST the payment on the same day. 

I feel that this is unfair. I paid the money on the XXXX by wire, which should qualify as a same-day payment. Discover reps I spoke to said that because they can not guaranty that the merchant through which I sent the XXXX ( XXXX XXXX store ) might have been the problem, they could not call my payment as posted on XX/XX/XXXX. 

I have never encountered this problem with ANY payment to ANYONE before using XXXX. I paid my bill, and it should be counted as having made it in before the second billing cycle ended ( ending XX/XX/XXXX ). 

I wanted to ask for a leniency on this matter. One, I have been an excellent customer of Discover Card for years, and my credit is excellent, over XXXX points. One missed payment -- accidental, at that -- is bad enough, but TWO? It will wreck my credit, and for something I did not know was going wrong. If I can not get leniency on the first missed payment, they could at least acknowledge that I made the second one before the end of the billing cycle by electronic payment. What the merchant did or did not do was not my fault : I had paid the money before the end of the billing cycle. I even had printed proof of a transaction. This is UNFAIR.
Consumer complaint received 2017-08-25
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: U.S. BANCORP (TN)

I received a identity theft affidavit from U S Bank Mortgage. I got it notarized and sent the packet to Customer Service Research -Fraud. Mail Location -XXXX. XXXX XXXX XXXX XXXX Kentucky XXXX. XXXX : XXXX XXXX - U S Bank Mortgage. I sent this on XX/XX/2017.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (CA)

Customers of a local XXXX restaurant here in XXXX XXXX, XXXX 's in XXXX XXXX, have been seeing random charges hit their debit and credit cards. The restaurant uses the Clover POS system. The restaurant is claiming that customers who visited between XXXX and XX/XX/2021 were not actually having their cards charged due to " payment processing errors. '' They now claim they are " catching up '' on charges from months ago. To consumers, who don't remember they ate here months ago, are of course just seeing the charges and thinking they are fraud. In addition, there was no warning or communication that they would be charging customers cards well after their visit to the restaurant. As a consumer I am concerned that a merchant can maintain my card information so long after a visit and effectively charge my card without me being present. This seems borderline illegal, especially because these charges could result in consumers being hit with overdraft fees not expecting these charges to hit.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY (SC)

I sent a certified letter on  XXXX   XXXX  asking  " WF PLL '' to provide ve rification about an inquiry showing up on my  XXXX  Credit report dated as  XXXX / XXXX / XXXX . The company does n't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the    XXXX   tracking system sta ting " Your time was returned to the sender on    XXXX   XXXX   XXXX   at    XXXX   XXXX   in  XXXX , NM  XXXX  because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it 's information that is being reported to the credit agencies or remove the information all together if they ca n't provide accurate information.
Consumer complaint received 2016-01-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I paid my car loan off and reviewed my credit 3 months later and they show I was 30 days late on a payment when I was n't. I actually had automatic pay setup through my bank. I have sent ALLY the bank statements showing that the payments were made but they will not correct on my credit. I have disputed through the credit agencies and ALLY keeps turning it down with the documentation. This late payment is stoping me from getting a job that will help me support my family in a better way. Please help me I can provide the documentation supporting that I was n't late. I call in to Ally and ask to speak to a manager and they wo n't let me. Ive been hung up and basically told they do n't care. Please, please help me.
Consumer complaint received 2018-05-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XX/XX/XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XX/XX/XXXX of this year.
Consumer complaint received 2017-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

My original monthly mtg payment was XXXX per month at closing in XX/XX/XXXX I then received a check on XX/XX/XXXX in the amount of XXXX for an escrow shortage. Then received a tax bill from the county assessors showing tax assessment in amount of XXXX per year and according to my closing disclosure they were escrowing XXXX per month, and only collected XXXX ( 2 mths ). I am now being told my payment is increasing by XXXX per month and they also requested that I return the escrow shortage check I received in XX/XX/XXXX. I have a made multiple calls for an explanation that is logical and reasonably understood, and have not been successful in receiving a resolution. I believe this is a servicing error that should be resolved by the lender. I have consistently met my financial obligations on a monthly basis and should not be held liable for their inability to manage escrow accounts.
Consumer complaint received 2022-01-28
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. (TX)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. 
I m disappointed! I dont know how to delete it from my name I dont understand why you put this negative information on my account.

Im sure that someone used my personal information and applied for it
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC (CA)

I send money in the XXXX on XXXX XXXX in the amount of {$150.00} debited to her account with XXXX XXXX XXXX XXXX through authorized third party called INTERMEXCORP based at XXXX, Florida. We discovered in XX/XX/2022 that the money was never delivered. So we immediately get in touch with XXXX XXXX XXXX XXXX and was instructed to get hold of INTERMEX ( Phone # XXXX ). We were told the money was not delivered because they don't have the correct address of the recipient. On XX/XX/XXXX, and XXXX, XXXX we called INTERMEX and told them to cancel and reverse the transaction and put it back into our account with XXXX XXXX. They complied and told us it would take 3 to 5 business days. At present we still don't have that money back into our account. So, we called INTERMEX again and now they're telling us it would take another 7 days.
Consumer complaint received 2022-01-28
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX accordance with Fair Credit Reporting act XXXX  The XXXX accounts listed below has violated my rights CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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: EQUIFAX, INC. (CA)

XXXX accordance with Fair Credit Reporting act XXXXXXXX The XXXX accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-08
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. (IL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. 

I have filed an FTC report with report number XXXX
Consumer complaint received 2022-01-28
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/24, I received a text message from a number claiming to be wells fargo asking if I had authorized a transfer through XXXX. After replying with the number 1 that I did not authorize this, I was then called by the same XXXX number by a person claiming to be a Wells Fargo representative. They then walked me through steps that were supposedly to help protect my account, when in reality I ultimately wired them {$1000.00} through XXXX from my wells fargo checking account. Wells Fargo denied my claim, telling me that they do not cover wire fraud since i initiated the transfer when in reality I believe that Regulation XXXX should cover me for this since I was contacted by these individuals and the scam was initiated by them. Since this happened, wells fargo sent an email to all of their account holders explaining this scam, which tells me they have known about it for a long time.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (NY)

Around XXXX XXXX XXXX I went to the gas station near my house, hours later, i received an email stating that there was a suspicious activity. Called them and was confirmed that my card was lost and that someone used my card at a XXXX in XXXX XXXXXXXX XXXX for around {$490.00}. They denied the claim because they stated that I had purchased at XXXX in the past. Their response is pretty much saying because I have had a relationship with the merchant in the past, it must be me who made the purchase. They didn't provide any documents that support any proof that I made the purchase.