davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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. (MO)

I ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
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)

ALL 4 creditors are ALL not in compliance with Metro 2 Compliance and federal laws. They have not answered any questions in my dispute. I am also disputing every Fcra law from 312-623. Every last one. Plus I've submitted my letter attached notarized. Please punish them for not being in compliance of federal laws. I sent this letter to all 3 bureaus as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also want all inquiries DELETED. and ALL ACCOUNTS except XXXX XXXX and XXXX  XXXX XXXX. 
Thank you. 
XXXX XXXX All rights reserved XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (WA)

In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX  did not provide the promised instruction or service. 
The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name. 
I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX. 
The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (MO)

Formerly, I made an investigation of the accounts with inaccurate information being reported on my Credit report and after checking the Credit Bureaus ' response I recognized that some accounts are still incorrect, with a confirmed status. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. Please correct the following accounts : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019 XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (PA)

About a week or so ago I noticed charges on my cash app account from a company called XXXX XXXX that werent mine. I contacted cash apps customer service to make them an aware of the issue and to file a dispute and to get a new cash app card mailed out to me. I was told Id be receiving to card within a few days and that a dispute would be filed. Not even two days later I got a notification that the dispute was denied and for no reason. When I tried to ask their customer service them why it was denied I was ignored. 
When I received my new cash app card the following day I tried to activate it and it kept stating that the exp date was wrong which made no sense. Once again I contacted their customer service team and was told my card would be disabled other no way to get another one but if I wanted to continue to send money through cash app I could. ARE YOU XXXX KIDDING ME? I have called numerous times and keep getting told the same thing-its because I filed a dispute and I wouldnt be able to use a cash app card any longer. 
My issue is this-the account was supposedly closed accidentally. So I had to make a new account using the same email address. I received an email from XXXX XXXX stating they reverse a {$100.00} payment back to my card that was used unauthorized-that card was the XXXX  cash app card that they disabled on the account that is now closed. So how am I supposed to get my XXXX money???
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Auto Finance Co (FL)

Please Supply Me With Information That Was Use to Verify The Items Or Delete The Late Payments. 
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : SAFCO. ACCOUNT # XXXX DATE OPEN XX/XX/2021 Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Page 36 | 43 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a zero payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Consumer complaint received 2019-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

The transaction of {$210.00} ( XXXX Euros ) was made in error and paypal was notified immediately of the error. Two duplicate transaction was made for the same amount for photography services on XX/XX/2018. However, one of the payments were made in error because they were not the correct merchant to provide those services. I attempted multiple times to resolve this issue with paypal over the phone and kept having my claim denied. I was in direct contact with the merchant and was told by the merchant to cancel the transaction because I did not use the correct email address. I explained this multiple times to PayPal and they kept denying my claim and they told me it was my fault for sending money to the wrong person and I authorized the transaction in question. I have email copies from the merchant saying to cancel the unauthorized transaction to the wrong individual. I have been trying since last year to resolve this claim.
Consumer complaint received 2022-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Earlier this month ( XX/XX/2022 ) I disputed a collection attempt from Convergent Outsourcing and was told it was resolved and removed from reporting agencies. A couple of days after the dispute it was removed from my credit report. Three days later ( XX/XX/XXXX ), the mark was back on my XXXX credit report and my credit score dropped. I have written confirmation that convergent requested it be removed.
Consumer complaint received 2019-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

In XXXX of 2018 Navient agreed to a rate reduction program. Come to find out it was " processed incorrectly '' Went thru the footwork again in XXXX of 2018 for the rate reduction program. Have since received numerous notices about delinquencies while they were automatically withdrawing payments from the checking account. Each time customer service was called, no one knew anything about the rate reduction program. Part of the rate reduction program says it would take effect after 3 consecutive payments. Because the program wasn't processed correctly originally, the first payment didn't count. They did an automatic withdrawal for XXXX and XX/XX/2018. They did not automatically withdraw XXXX 's payment and then came looking for payment as if to purposely force a default on the loan, so they wouldn't have to keep up their end of the deal. They have also put thru a forbearance, that was never asked for or applied for, and have not reduced the rates as promised. Every phone correspondence I have gotten the runaround and harrassed about paying more money. Every agent I have spoken with says " Well I don't know what the last person said or did, so I can't help you. '' The loan has continued to accrue late fees eve though I have kept up with my end of the agreement. I believe I have been misled, lied to, and taken advantage of.
Consumer complaint received 2019-02-02
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: WELLS FARGO & COMPANY (GA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-09-02
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 (MD)

Capital One is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've XXXX  for three months so due to that was unable to work for that time frame. 
In XXXX Capital One decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NH)

Hello - My name is XXXX XXXX. I have had continued issues with XXXX XXXX XXXXXXXX and I need serious help with them. 

I went through a modification with them back in XX/XX/XXXX. In this time they would not take payments from me because they said it was going through the process of modification. This took a year of continuously sending them bank statements and profit and loss statements and so on and so on. I would talk to one person at the company and they would tell me something different then someone else. This would go back and forth of them telling me something wasn't right on the paperwork or they never received it. 
After a year of going through this then they tell me that my mortgage has matured. I knew nothing of this as my ex husband did the loan. I then contacted AHEAD and they helped me to go between the mortgage company. All paperwork was done over again. Back and forth. Meanwhile my payoff amount went from {$49000.00} to {$60000.00}! I filled out the paperwork signed the final paperwork for approval of modification on another fifteen years. Had it notarized as requested by them. Sent it to them and Ahead. I got paperwork stating from them congratulations my modification was approved. Relieved and finally able to sleep at night. However it was short lived. A few days later I get a letter stating oops we were wrong! You need to have your ex husband sign the modification as well. I told them I had explained several times before that this was not an option and that's why I sent them copies of the quick claim deed that he no longer has anything to do with the mortgage and that he has a life time restraining order on him from the courts and was not allowed anywhere near myself or my kids. I told them I've gotten a modification before and they excepted it. They told me they can no longer except that and if he doesn't sign it, my house goes up for foreclosure. As you can imagine I'm devastated about this and losing sleep because Im going to lose my home my family was raised in. I've lived on that land for thirty years and the thought of it being taken away because I can't get a signature from a man that hurt myself and my children is just unreal. Please I just need to know what I can do to save my house. Going to another mortgage company isn't an option right now. My husband and I own a small business and can not get loans at this time. 

I tried making XX/XX/XXXX Payment and now the agent whos ID number is # XXXX said they will no longer except mortgage payments from me because they didnt receive the second set of modifications they sent me with my ex husbands signature on them. 

I dont know where else to turn. 



XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Navient is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with Sallie Mae, XXXX, XXXX  XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to Navient that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX  payment due to my income based repayment plan. Seriously if Navient the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Consumer complaint received 2018-04-20
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. (OH)

XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX, Experian, and XXXX ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
Consumer complaint received 2023-04-03
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. (MS)

So recently checked my reports with all three bureruas and notice that these companies are not reporting accurate information. I have proof that they are reporting these accounts inaccurratly. This goes against the FCRA and is not accurate neither is it my account. I sent out a letter XXXX the XXXX and have not heard back from either company .From my understanding they have a month to respond. I would like this remove immediately.
Consumer complaint received 2019-02-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (TX)

I got a loan over seven years ago and its gone into collections but I think they keep buying the collection from the original people and are still trying to collect and its been on my Credit report for like seven years at least seven years and Im trying to clear my credit up and I cant because they wont take it off the same companies reporting the debt for {$110.00}. They say the dead is from 2015 but that is not true this debt is from At least 10 years ago.
Consumer complaint received 2019-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (UT)

Contacted by IC System ( XXXX XXXX, MN ) XX/XX/XXXX to resolve a 2 year old medical debt. The representative was unable to provide any documentation other than a service date and provider. I requested a written response to dispute. It was never provided. After weekly calls for 2 months I asked IC Systems to not contact me further until it was provided. XX/XX/XXXX calls resumed with the representative informing me that they were filing a negative credit report. I paid over the phone to avoid the hassle that would ensue. The amount was not large but it still felt like extortion without recourse.