davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (AR)

I pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (TX)

I paid off my SoFi Loan # XXXX on XX/XX/2020. SoFi has updated the credit bureaus that the loan has been paid in full expect XXXX. I submitted a dispute to XXXX  and the result came back as still owing a balance. The loan balance had been updated to XXXX and then XXXX  placed a balance back on the account.
Consumer complaint received 2020-04-30
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$450.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This account has some sort of mix up because I did not authorize anyone to open this account. I remember discussing opening an account with a rep but never went through went the account nor used it. I think the employee opened the account or this is a mixup.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

At the end of the month of XX/XX/2021, I received checks from TD bank for an account I did not open. i called their fraud department to make the report. 

I went to three different branches and was informed the account was opened online on XX/XX/2021, as of today the account is still open. I made a police report and in addition I sent TD bank a letter via first mail to report the fraud. 

There are credits for unemployment benefits deposited to the account and a payment to a TD bank credit was made from the account. 

I don't know why they have not taken the steps to close the account.
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC. (TX)

Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).
Consumer complaint received 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My mother-in-law was moving to XXXX for medical treatment. My wife and I gave my credit card number to her BROTHER to have in case it was needed for incidentals ( food, medical supplies ) before my mother in law arrived. As part of coming into XXXX, due to Covid, quarantining in a hotel is required for two weeks. We were not supposed to pay for hotel reservations, but my wife 's brother gave our credit card information to HIS WIFE, who was NOT authorized to use our card. She booked 2 rooms, for a month, in a hotel in XXXX for the quarantine, using my card. I had NO interaction with the merchant/hotel whatsoever. When I sought to cancel the booking ( through my Brother, as I do  not speak XXXX XXXX, the hotel refused, citing their cancellation policy, which was never provided to me. 

When I filed the dispute to Capital One, my credit card provider, I explained to them that I did not authorize the charge, nor did I enter into any contract with the vendor/hotel. They cited that the hotel had provided them with a copy of their cancellation policy, and asked me to provide additional documentation to prove that the charges should be reversed. 

They asked me for " a refund voucher, '' proof that I tried to cancel, and a copy of the purchase agreement. I told them that I did not have any of these things, since I was not in direct contact with the merchant, nor could I have received any of them, since the merchant does not have my contact information. 

I was able to locate from my brother-in-law, who got them from his wife, some of these documents. However, after submitting them, Capital One is still saying that as I can not provide documents ( which either do not exist, or were never shared with me in the first place ), they can not make a case to Mastercard. 

This is utter nonsense, and my credit card issuer is doing nothing despite my credit card having been used by an unauthorized person.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

I fell behind in payments due to covid-19. I thought there is a law protecting consumers XXXX XXXX. XXXX XXXX. 
I told the guy it was because of the covid-19 and he told don't worry about it
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

Received incoming call from ( XXXX ) XXXX at XXXX. Debt collector said they were from RMP debt collection and that I owed {$140.00} from XXXX XXXX XXXX provider. I was not aware of an outstanding medical bill and I did not receive mail or communications about it and rep said that I should have. I recognized the medical provider so I gave my credit card info over the phone and was charged {$140.00} on XX/XX/2020. 

I checked my records and I had already paid this bill on XX/XX/2020. I called the number back and spoke to a rep about getting a refund. They told me to text photos of proof of payment. I texted 2 photos, I of the bill that I marked " paid '' with the date and also a screenshot of my credit card statement that should the same XXXX XXXX bill that was charged on XX/XX/2020 for {$140.00}. I did not receive further communications about receiving a refund. I believe RMP Debt Collection agency should be scrutinized and investigated for their practices. This isn't the first time we've encountered " errors '' that have caused us harm.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TN)

We were notified via XXXX that equipment had not been returned and failure to do so would result in collection. We were informed after we had already moved. We quickly found all equipment and sent it back via XXXX as per request from XXXX. That is the last we heard from them. We were not notified of cancellations fees or any other fees associated with terminating due to moving. Had we known we would have corrected this issue before they sent it to collections. Now it is hurting are ability to close the mortgage on our home.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I recently filed a complaint with CFPB regarding the way my PSLF payments were being calculated. XXXX  XXXX XXXX responded to my request for a detailed request of PSLF-qualifying payments by significantly omitting and altering information. In fact, the information they provided conflicts with the information they provided in XX/XX/XXXX when I similarly requested an explanation of why my student loans were not be calculated. 

Specifics : From XX/XX/XXXX - XX/XX/XXXX : I made 4 PSLF qualifying payments on my federal student loans. This was attested to by XXXX  XXXX XXXX in the attached document ( PSLF Statement XX/XX/XXXX ) in the highlighted fields, including a payment of XXXX. 


{$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$320.00} ( XX/XX/XXXX ) {$1300.00} ( XX/XX/XXXX ) I was NOT under a student deferment at that time. 

In the most recent response received regarding PSLF qualifying payments from XXXX XXXX XXXX ( PSLF Statement XX/XX/XXXX ), they stated I was under student deferments for the first three payments, which is false. Additionally, they COMPLETELY OMITTED the payment I made of XXXX, which is a COMPLETE Falsification! I have proof of this payment. 

XX/XX/XXXX XXXX XXXX has repeatedly changed their records of my payments to them throughout my time dealing with them as a lender. I just want the payments I made under the PSLF program to be counted.
Consumer complaint received 2023-01-23
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 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-end consumer credit plan as late for any reason.
Consumer complaint received 2020-04-30
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: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

The credit report does not supply an address for the unknown company : Castle Credit. They pulled hard inquiries on my report XX/XX/2020 and XX/XX/2020. I do not recognize their name and have not done business with any such company. No address was provided with their inquiry. I have been turned down for credit previously for having too many hard inquiries some of which like this company, I do not know and another that told me they would not pull a hard inquiry and did so anyway, although I did not do business with them. 

There should be a significant penalty for false inquiries such as this one.
Consumer complaint received 2018-06-20
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: SYNCHRONY FINANCIAL (SC)

To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX for at least 3 years now in regards to an unfamiliar account with XXXX and Belk. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ). However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I received a letter dated XX/XX/2020 from Bank of America concerning Account No.  XXXX. According to this letter if I paid {$1600.00} by XX/XX/2020 ( LAST DAY FOR PAYMENT ) " you may continue with the contract as though you were not late ''. I made the payment online of {$1600.00} as instructed XX/XX/2020. Additionally, on the same day I made another payment of {$750.00} to Account No.XXXX since I have two car loans at Bank of America for which I sought COVID relief. NOTE THAT XXXX ARBITRARILY REDUCED MY CREDIT SCORE BY 116 POINTS XX/XX/2020 CHANGING MY CREDIT RATING FROM A GOOD XXXX TO A FAIR XXXX FIVE DAYS BEFORE WHAT I WAS GIVEN TO UNDERSTAND ANY ADVERSE ACTION WOULD BE TAKEN ON THE PART OF BANK OF AMERICA. As a result of this Complaint I want my FICO score corrected, immediately, and a Note to my Financial records that acknowledges as well as corrects the error. From Bank of America I want a corrected LOAN PAYMENT HISTORY ( from inception to YTD ) for both loans ( XXXX and XXXX ). Your immediate attention, from both institutions will be appreciated.
Consumer complaint received 2017-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (FL)

I had two fraudulent debit card transactions which totaled {$150.00}. The fraudulent transactions were reported to BBVA immediately. However because of this my own transactions overdrew account and Bank charged XXXX dollars per transaction. I contacted fraud disputes and asked for them to expedite my provisional credit and fee reversals. A week later, nothing has been done. I have spent hours on the phone on hold with their disputes area, no one seems to care. No provisional credit has been made to my account and only two of the 4 NSF fees were credited after pleading with their supervisor. This is not the response of a Bank who is truly interested in their consumers well being and it appears to me as if they dont devote the necessary resources to deal with this sensitive issue
Consumer complaint received 2024-01-20
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: Maximus Federal Services, Inc. (GA)

I have been trying to purchase a home and when I pulled my credit report I have noticed there were still Collections on my report that should have been gone. I have sent in numerous disputes and also contacted them dated XX/XX/2023. These companies are reporting inaccurate information on my credit report. I have requested that they provide the factual information that I can verify to confirm the account belongs to me and show full ownership to these accounts and I have not yet received it.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX did not send a Tattletale notice per Wisconsin law.

To wit : Tattletale Notice If the applicant for the open-end credit plan is married and the spouse is not a party to the application for credit, Section 766.56 ( 3 ) ( b ), Wis. Stats. requires that the creditor mail written notice of the extension of credit to the non-applicant spouse. The notice must be sent to the non-applicant spouse before payment is due, and may be addressed to the non-applicant spouse, or to both spouses if the applicant states that they reside at the same address. The tattletale notice requirement may be satisfied by sending one of the following : a copy of the document evidencing the obligation ; a copy of the credit disclosure given to the applicant spouse ; a brief statement of the nature of the credit extended.
Consumer complaint received 2018-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (NY)

On XX/XX/18 i used XXXX XXXX XXXX to send an emergency money transfer from NY to GA to a family member when the recipient went to get the transfer @ the Ria Authorized Agent no body spoke english @ said location & recipient was unable to collect the transfer @ which time i called Ria to cancel said transaction and have gotten the run around ever since then making numerous calls to Ria to resolve and no resolution to this point. The amount sent was {$490.00} plus a transfer fee of {$9.00} making it {$500.00} total
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and Ally bank reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.
Consumer complaint received 2020-04-30
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. (ID)

Disputed an inaccurate ( fraudulent ) account showing on my credit report. 
XXXX XXXX XXXX is an account that does not belong to me. 
Submitted dispute to experian and it stated it was removed. 
This account is not mine, because I have not had XXXX  services. This account states it was opened XX/XX/2019. 
It is still being reported by Transunion and XXXX.
Consumer complaint received 2022-09-11
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. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (AL)

In the month of XXXX I tried to pay my water bill with my prepaid account using my account routing number and account number. It is a prepaid card account but we have access to our account information. My payment submission was returned to the water company unpaid. There was over {$600.00} dollars in the account at the time of submission. 

The bank returned my payment unpaid and now the water company wants me to pay a {$30.00} NSF fee even though there was plenty of money in the account to pay the bill. 

Was told that I could not use my routing number and account number for a prepaid card account to pay a bill. However PNC has nothing in writing for us that says we can not use out account number to pay a bill. 

The water company is requiring me to give them something in writing stating that fact ; that we are unable to use my account and routing number and they will remove the NSF fee from my account. 

I called the bank to ask for information regarding the inability to use a account number and routing number for bill payments ; and have yet to receive anything. I was told that it would be something that they would have to create for me in order to get the water company to remove the fee. It has been over 30 days and I still have not received a reply to my compliant. 

I know of other prepaid cards that allow you to use your account and routing number to pay your bill ; this is the only bank that I am aware of that you can not do a transaction in this manner. Please help me to resolve this issue.