davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-10-06
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

A fraudulent account was opened using my identity for the company XXXX XXXX. It was opened in the North Carolina XXXX energy on XX/XX/2021. Not only do I not have a XXXX XXXX account, I've lived in Florida for 20 years. I have no knowledge of this fraudulent account and it was sent to collections on XX/XX/2021. It does not belong to me and needs to be removed from my credit report immediately. Please see my drivers license attached as proof that I live in Florida and have for many years, not in North Carolina ever.
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (CA)

My account appeared to have multiple IP addresses. Binance US. Froze my account. I have been trying to prove that I am the owner of that account. I proved with video, ID, and selfies. I have been able to buy and deposit dollars. I have not been able to transfer anything out of my account. I am not able to log on and see my account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my frustration and dissatisfaction regarding the numerous unsuccessful attempts to remove the charge off from my account with your company. Despite repeated efforts on my part to resolve this matter, the charge off remains on my account, causing significant distress and inconvenience. 

The inability to remove the charge off from my account not only reflects poorly on your company 's customer service but also raises serious concerns about the accuracy and integrity of your accounting practices. As a loyal customer who has consistently met their obligations, I find it unacceptable to be unfairly burdened with a charge off that I have diligently attempted to resolve. 

Furthermore, the lack of progress and communication regarding the status of my request only exacerbates my frustration and erodes my trust in your company. I have not received any updates or explanations regarding the reasons for the delay in removing the charge off, leaving me feeling neglected and disregarded as a valued customer. 

I demand immediate action to rectify this situation and ensure that the charge off is promptly removed from my account without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns.With this, I am asking for your assisstance to remove this account in my credit file : XXXX XXXX Balance : {$19000.00}.
Consumer complaint received 2019-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (NJ)

I had a hardship of losing employment and also has loss if income on top of losing employment. I applied to New Jersey 's hardest hit fund with the direction of NJ Legal Services back in 2017. I was approved by NJ Hardest Hit Fund, but they had to decline me because my lender Homepoint financial decided not to accept the funds. I did call Homepoint to ask why they didn't accept the funds that were coming and I wasn't given an answer as to why they didn't. This could have prevented me from being in foreclosure. I did attempt a loan modification in which they stated they couldn't help, but I know there are additional programs for those who have FHA backed home loans. I never got the feeling that they go above and beyond for their borrowers. Any assistance I tried to get from them was shot down. I have recently reached out to HUD so that I can get the assistance I need.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}.
Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Consumer complaint received 2019-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to challenge the reporting and compliance on an account with [ XXXX/XXXX ] that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that they are reporting [ an incorrect/missing account number XXXX ]. 

Their improper procedures are highly damaging to my credit score.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I was looking at my XXXX credit report on XX/XX/XXXX and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XX/XX/XXXX at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

Currently I have a owed on my credit report from XXXX 2012 from Carhop that I just found out about. It is for a total of {$9800.00}. I currently should not owe anything to these guys. As I had the vehicle for 3 days the Check engine light was on the whole time. So I Took it into one of their shops. They said it needed a new engine all together. That they would rebuild one for me and put it in. Almost a month went by as it sat in their shop no new engine no nothing done to it. So went back to the XXXX Carhop to talk to them about all this. They said they were very sorry and gave me my down payment back and everything else I paid up front. Said everything will be cleared. Now I come across this that has been on here since 2012 and had no idea!!!!!! This is not right at all this Carhop company is and was and always will be a very very shady place!!!! I want this removed from my credit Immediately!!!
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Recovery Systems, Ltd (CA)

XXXX XXXX I received 4 harassing threading phone calls in one day requesting personal information about myself, saying I have a debt with XXXX. 

I do not know who XXXX is? 
2 of the people identified them self 's XXXX XXXX & XXXX XXXX Nationwide Recovery XXXX XXXX XXXX XXXX TX. XXXX If there is a debt or invoice please email or fax that information without threats. 
Email : XXXX XXXX : XXXX
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (GA)

On XX/XX/2015, I returned equipment to XXXX XXXX to disconnect services. They advised me I had to call a number to disconnect even though I turned my equipment in. I called that number and after 18 minutes or so and the 2nd person trying to keep me from ending service, I disconnected the call. Fast forward, XXXX continued sending me bills for service. I made 3 trips to the office to fix the problem and it was never done. I finally advised the agent ( manager was not available ) that I would begin billing them for my time. I never heard back after that until a year and half later for 4 months of service after I returned equipment. The company would not accept that the equipment was returned and a call was made to disconnect. I advised them I would not pay this, especially with knowing that they shut service off after 30 days without payment, why would they ever bill after that point. This went on for another 2 years that I would speak to representatives and managers to demand they look at activity on my account after equipment return and they declined to do so. I have now had a collection from Southwest Credit Systems placed on my credit report that is not a responsibility of mine and needs to be removed.
Consumer complaint received 2019-07-19
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. (FL)

XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in XX/XX/1993. Equifax and XXXX are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Health Corporation (FL)

upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.
Consumer complaint received 2015-11-04
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

Dear Madam/Sir, I had been a Citibank Banking customer since XXXX. I had been a Citicard Mastercard and Visa customer since XXXX. By the end of XXXX, the relationship ended. 

My complaint centers on the fact that Citicard Mastercard XXXX Account # ******************* ) and Visa ( Account # ******************* ) cancelled my cards in XXXX XXXX soon after I had made a paid in full payment of {$24000.00} to Citicard Mastercard and a full payment of {$12000.00} to Citicard Visa. XXXX cards had been in arrears off and on for about one and a half years due to my unemployment status. I made sporadic payments over this time period but in the end I paid all monies due Citicard which included late fees and 15 % interest. 

I was never notified that Citicard cancelled both the Mastercard and Visa. I discovered this in XXXX XXXX when I tried to use the XXXX Citicard " thank you '' points I had earned over time. A Citicard manager ( XXXX XXXX XXXX XXXX XXXX ) informed me that my credit card accounts had been closed by Citicard and since they were closed I forfeited all of my points ( approx. value {$3200.00} XXXX. 

I certainly understand Citicards ' right to cancel my credit cards but I take exception to not honoring the Citicard " Thank You '' points I had earned. 

I am enclosing a Citicard statement from XXXX XXXX that shows my points. I can not show a more recent statement as Citicard has locked me out of my online account. 

I request that you investigate this matter and hopefully restore my points. I will use the points ' immediately to end my relationship with Citicard. 

Thank you for your consideration. 

Best, XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof XXXX the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-01-10
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: Experian Information Solutions Inc. (LA)

On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/21 my husband and I went to Kohls to purchase shoes for a wedding that we traveled 4 hours to go to. At checkout the associate asked if I wanted to apply for kohls rewards that would give us 30 % off, I said yes. She instructed me to follow the prompts on the credit card pin pad. Once I finished entering my information, she got on the phone which was strange to my husband and I so I asked why she was on the phone. She then said she was talking to the back office about my credit card application. 

I immediately told her that is not what she told me I was applying for and that I do no want a kohls credit card. She told me I would not receive the 30 % off then, I told her that was fine and I did not want a credit card so she hung up the phone. 

I was recently notified that Kohls is reporting a credit card to the credit bureaus. That kohls associate needs to be reprimanded for falsely leading me to sign up for a credit card and calling it " rewards ''. So I didn't get the 30 % off my purchase AND STILL received the credit card.
Consumer complaint received 2019-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

I have a personal loan and a title loan with One Main. I called a few months back to see about refinancing my signature loan and was given the option to keep my signature loan and add a title loan. I did this. Today I called to see if I could refinance the signature loan and was told My budget was too tight so I was denied. My complaint is how. I refinanced my car with one main saved me XXXX a month. I have never missed or been late on a payment and I am still at the same job. So how was my budget ok to get a title loan but not ok to refinance on the note I have now. The payments would not change.
Consumer complaint received 2019-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (OR)

My husband and I have been planning to change banks. We set up accounts with Navy Federal Credit Union a few months ago, but had not yet moved everything into the accounts. We were planning to use one account only funds for a rental property, one that was leased a few days ago. I used mobile deposit to submit the two deposit checks received from the renters. I got immediate notification of a two day hold, which I had expected. 

After I could see the funds were released and showing in the account ( Wednesday night ), on Thursday morning I set up bill pay to pay several bills associated with the property.

This morning, I attempted to log on to double check that everything had gone well. Instead, I got a notification that I could not access my account, and should call the customer service number.

Once I got to a rep*, I was asked about my two deposits. I explained they were from two young CPAs renting my property, both with credit ratings over 750. She seemed dubious about this, stated they were suspicious, and told me that there would continue to be a five day hold, and that perhaps  my funds would be released then. 

I am an educated professional, and certainly understand funds being on hold. However, there are several irregularities about this that were inappropriate. 

1. I was told there was to be a two day hold. The funds then showed as available, and only after that was a five day hold imposed. This is disruptive to my money management plans.

2. I was not notified of the change in the duration of the hold. There was no email, no phone call. The rep insisted that there must have been, but that I had " misplaced '' it in my email junk file - but then she could not find an outgoing email to me, either, saying perhaps it had been sent by a different branch of her company - which sounded neither nor plausible nor truthful.

3. The bank refuses to even allow me to SEE my accounts or funds online. That part of the interface with the bank is entirely shut down, and she stated that this is deliberate and bank policy, " to protect me. '' When funds have been " held '' in the past by other institutions, I have NEVER been denied access to my own financial information.

4. When I attempted to speak to a supervisor to get to someone authorized to correct what is obviously a series of mistakes, she indicated no one was available. I still have not received a call back. 

*the representatives name was XXXX XXXX and she refused to give me either her last name nor an identification number within Navy Federal . However, our phone call occurred at approximately XXXX Pacific time on XXXX. 
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