davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
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: MoneyLion Inc. (IL)

A few months ago Moneylion agreed to update an account as paid and update any negative information on the account due to a mistake. They did give me some of their reward point for the problem. This is where things get interesting. An already paid off loan again shows and unpaid balance which dropped my credit score 50+ point. My car broke down and I needed to fiance a new car. That 50+ decrease in my score put me in a high risk and I am paying 16 percent! For a problem they said they were going to resolve this is completely and totally insane! i'M PAYING {$450.00} A month FOR 75 MONTHS ON A XXXX CAR! I could be driving a XXXX instead of a XXXX for this amount! 
This Moneylion loan was supposed to fix my credit instead if give me a XXXX XXXX and separate me from my hard earned money!. I am not sure that reward point that are going to give me a {$25.00} dollar gift card to XXXX is going to help me!
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

capital one has been going back and forth on my credit report and putting negative information on my account. I file chapter XXXX and was discharge after successful completing my payments and capital one went on my credit report a negative remark. I went to chapter XXXX XX/XX/2015. Before I went I was making payments arrangement through XXXX and XXXX to pay capital one which they transfer the account to a third party. Once I went to BK they decided to comeback and update my credit report in a negative way. Its been 3 years and 2 months since I had a negative remark. They report recently and now I am a month since negative remark.
Consumer complaint received 2018-11-07
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

my loans was sold to XXXX XXXX from BANK OF AMERIA ( BOA ) in XX/XX/2018, I was making my monthly payments on time and there is where the problem began. I noticed that on my credit report BOA did not report my payments at all the any credit bureau. I called several time to resolve this issue and was informed that they don't do that at all. then I called XXXX XXXX and informed them of the situation and they were unable to assist me either, I asked if they would report it to XXXX and they informed me they did but could not answer why BOA did not. Also XXXX raised my mortgage payment {$500.00} from one month to the next for a period of 12 months, because they stated that when they bought the loan from BOA they did not inform them that I was {$6000.00} unbeknown to me and that there was nothing they could do. This put me in a financial situation, that I'm just treading above water.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX XXXX XXXX XXXX, OHXXXX ; XXXX XXXX, KS XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX Balance Owed : {$9400.00} ; XXXX XXXX ( Original Creditor : XXXX- XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$440.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX .
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.
Consumer complaint received 2023-03-22
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (GA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2018-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have contacted XXXX, XXXX, and transunion I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Received email notification on XX/XX/2019 that Citi closed my Citi preferred credit card. I called customer service and I was told that it's because it has been over 24 months without any activity on my account. When I told that there's a transaction of {$95.00} on XX/XX/2019 for the annual fee, they said that they do not count that transaction as an activity so they closed the account. How is that fair to the customer when I clearly see this as an activity and Citi chose to close my account without letting me know ahead of time.
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Finance 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 2018-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from Equifax a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from Equifax a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called Equifax to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with XXXX - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from XXXX with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. my rights have been violated and I demanded they remove my information from all three credit bureaus that since they DID NOT have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Non of these options was given or explained to me at the time. this practice is an a violation of my rights and demand the removal of the account from all three credit bureaus.
Consumer complaint received 2019-09-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP (PA)

Honda financial representative named XXXX said if i didnt make a payment that night that Honda was going to tow my car. I have three payments left. I told my local Honda dealership XXXX XXXX XXXX XXXX Pennsylvania I felt like I had a gun to my head he was unethical and it caused me great fear and anxiety XXXX  XXXX
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CO)

On XX/XX/2019, there was an unauthorized transaction on my Bluebird American Express card in the amount of {$2500.00}. Apparently I sent this money to another Bluebird user. My account shows a named individual with a XXXX account. I never authorized this transaction ; I do not know this named individual ; Ive never loan my card or card info to anybody ; and I did not make any transactions with the card on that day. I got my direct deposit on XX/XX/2019 and the next day is when this unauthorized transaction took place. I called Bluebird customer service and talked to someone in the fraud department. They took down my information and said that they were opening an investigation. They said that it can take up to ten days to investigate. I asked them when I can expect to get my money back, they said they did not know and they could NOT guarantee that I would be getting my money back. What??!! They have the email address and the Bluebird card information of the individual that hacked my account and sent my money to their XXXX account!! This is my rent money!! When I asked them for the investigative departments phone number, to follow up, they said they did not have that information ... doesnt make sense at all!!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They show that I owe XXXX card {$930.00} which is wrong this card/loan was paid off as of XX/XX/2023 there is a XXXX balance I have disputed this time and time again the card is telling them there is no balance again someone is not doing their job. This could have been verified with a phone call to XXXX  and TransUnion does have the number.
Consumer complaint received 2018-11-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XX/XX/XXXX Transunion, XXXX  and XXXX have items on my report that are deemed unfair which also limit me from improving my credit. I tried to get in contact via phone with those credit bureaus with no response. I would like to dispute those reports to help improve my credit in order to move forward with potential future finances. Thank you for help!
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (TX)

While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MT)

XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/2023 to XX/XX/2023 to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/2023 to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the debt.
Consumer complaint received 2020-09-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (CA)

My student loans are in default but I have had a wage garnishment that has been paid every 2 weeks for 6 years. Although the CAREs act suspended collection Performant Recovery continued to collect wage garnishments bi-weekly until I filed a complaint in XXXX regarding their contacting a coworker. The garnishments stopped without notice. Recently HR returned a payment to me from XX/XX/2020 that was returned by Performant Recovery to HR. In compliance with the Cares Act is Performant Recovery required to return all payment received between XX/XX/2020 and XXXX 2020? I continue to receive weekly calls from Performant Recovery in effort to collect a debt. Please advise what next steps should be.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

It says the account was opened on XX/XX/2022 and the account reported on my consumer report XX/XX/2022. The debt collection agency by the name of LVNV FUNDING LLC has illegally reported this account on my report in the amount of {$410.00}! They have also committed identity theft, reporting an account that is not mine on to my consumer report! Im not sure how to take action on the company because I dont know any account numbers or how they even got my information! I havent received any calls or any emails stating that I owe any balance to any company. It just appeared on my report and gave my score a huge negative impact.
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Finance 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 2022-06-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX 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 2019-09-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Heartland ECSI has harassed me and tormented me through their debt collection protocols and policies. They have no interest in fairly servicing the loans on their books, and their staff are venal, unhelpful, and downright vulgar in their professional activity and behavior. Their staff have routinely shown themselves to be ignorant of the grounds upon which a student must be approved for deferment, and attempts to seek clarification are unsuccessful due to dreadful customer service. 

Additionally, Heartland ESCI drags its feet on such approvals, so as to charge additional fees. It takes actions in the interests of its profits motives, and when federal law conflicts with those profit motives, its profit motives prevail.
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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