davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-20
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. (OH)

I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.
Consumer complaint received 2024-01-31
Product: Credit reporting 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)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Today i went to deposit the cheques returned by following companies to me directly by post ( rather than sending it back to bank ) a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX - cheque number - XXXX - dated XXXX XXXX c ) XXXX XXXX XXXX {$50.00} Wellsfargo branches in XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied deposit service saying there is a stop payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another person - denied deposit service saying it has already been deposited and they put a " credited to the account of within named payee '' stamp in endorsement area of the cheque ). 

I asked for a proof that the check has been deposited, they were unable to provide it. I asked for a statement saying cheque was not deposited, they were not ready to provide that either. 

They accepted XXXX cheque. 

Their denial of deposit of 2 cheques, sent by me to the companies mentioned below is illegal as that is my money. Companies sent it back to me, rather than sending it to the bank a ) XXXX group - cheque number - XXXX dated XXXX XXXX b ) XXXX XXXX XXXX  - cheque number - XXXX - dated XXXX XXXX
Consumer complaint received 2020-09-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.
Consumer complaint received 2020-09-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.
Consumer complaint received 2024-01-31
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-08-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ROC Asset Solutions, LLC (CA)

XXXX XXXX, who states works for the collections company, has been harassing me and my family members with numerous phone calls. He contacted my place of work about six times within ten minutes. He contacted my cousin twice, my sister four times, and my brother twice. He then called my cell phone again three times in a row. He told my sister that he was going to file a lawsuit against me for check fraud which is completely false because I have not committed check fraud. I called and left him a voice mail message to please not contact me at my place at work and stop calling my family members. He continues to harass my family members with numerous phone calls telling them all that I am being sued for fraud.
Consumer complaint received 2020-09-20
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 — Investigation took more than 30 days
Company: Possible Financial Inc (TX)

On XX/XX/XXXX I made contact with Possible Finance to ensure my final money order was received for payment. I was advised by XXXX that it was received. A few days later I get a notification that Possible Finance reported me to the bureaus as 60 days late. Mind you, I sent both payments on one money order for the total amount owed back in XXXX. Here we are late XXXX and nothing has been updated. Theyre illegally reporting me late, causing my credit score to drop in lieu of 100+ points for something that is not true. Ive reached out over 4 times, requested a supervisor no response. Reached out to a contact I was given from the CEO and then I finally got a supervisor. I advised her given the lack of urgency I would need this to be resolved by Friday XX/XX/XXXX. She never reached out to follow up or respond to my email on XX/XX/XXXX. XXXX the supervisor I got in touch with reached out XX/XX/XXXX and I allowed her 48 additional hours to research and resolve a very simple complaint, that has been nothing short of complex on my end. Possible Finance is illegally reporting consumers as delinquent and advising we need to wait for them to check the mail, update the records, and submit to the bureaus. This is a clear violation of the Fair Credit Reporting Act as nothing theyre sending is actually accurate, neither is it fair treatment to consumers. Ive waited way too long, and at this point Im not going to wait any longer. Their business practices are extremely unethical. Their response times are entirely too delayed. They do not have a phone number for consumers to make contact with. Therefore we are stuck being bounced back and forth between their super delayed email responses.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

Dear Sir/Madam, I have contacted the company Credit Bureau Services multiple times on XX/XX/2020, XX/XX/2020 and XX/XX/2020 in regards to an alleged debt in which they are reporting on all three of my credit bureau reports for the sum of {$2000.00}. 

The original creditor shows as- XXXX XXXX XXXX. 

To date I have received no response from Credit Bureau Services after my numerous requests for validation for this alleged debt. Credit Bureau Services also verified this as accurate information with all three credit reporting agencies after I disputed this account. 


Thank you for any help that you may provide. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NJ)

On XX/XX/2020 my child support card ( njeppicard ) was locked, which I assumed for suspicious activity. I tried calling the # on the back of the card at least 10x a day and never got an answer, I would press 1 for  English 2 for XXXX and tried pressing 0, anything to get an answer and it didn't work. Finally I read somewhere to not press anything and wait for operator to finish speaking and this way I was able to get a hold of someone. However they could not help me and had to transfer me to Fraud Department, which DOES NOT answer the phone. I call at least 4x a day and ask to be helped by anyone and they say only fraud dept. can help me, I've spoken to a " manager '' and still nothing. So here I am unable to get my money for my child. NJ EPPI CARD sucks!
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I want USAA to provide information concerning fraudulent accounts that are illegally procured without my permission and the Visa credit card has been destroying my personal identity. This was discovered by a Senior Banker that stated that USAA Fraudulent Department has admitted multiple Visa Credit Cards are currently been illegally opened by criminal individuals that are under investigation by the FBI that is located in XXXX XXXX, Texas. This was reported by telephone contact and the agency is involved in a criminal investigation of USAA Federal Savings Bank and Visa. Please provide written documentation to my mailing address within 3 business days
Consumer complaint received 2017-08-07
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. (NC)

I canceled my credit card with XXXX XXXX XXXX over the phone the first week of X/2017 and paid the last payment of {$8.00} on X/XX/2017 because I no longer needed to pay a monthly fee for a substandard {$2500.00} limit credit card since my credit score was over XXXX and I have several other no-fee cards with limits over XXXX.. At the time I assumed that the operator I spoke with did their job and no further interaction was needed, and had received no further contact or statements from them after that last payment was made ... ... A few months later in XX/XX/XXXX I went to check on my credit score and found that it was XXXX so I investigated and found out that XXXX XXXX had not closed my account and instead had kept charging me monthly fees on top of late fees for those fees and had been reporting this information to the top 3 reporting agencies without even contacting me to resolve the problem, so I immediately went to their website to get all the attached documents and contacted them XXXX XXXX/2017 and explained the situation to about 5 different people who did n't speak good english over the course of 5 hours and after threat of a lawsuit was finally was able to get the charges removed and once and for all cancel the card ... However they are still reporting this as a delinquent account for the roughly 3 months in between and claim that they have no control over reporting thatinformation ... I have also disputed this with the 3 major credit reporting agencies and it is still not getting corrected properly ... I take great pride in my credit score and payment history and neither  should suffer due to their incompetence ...
Consumer complaint received 2024-01-31
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-09-15
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. (PA)

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXX XXXX during COVID-19.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2021 i received an email from paypal informing me that my account was limited. Prior to, i had received a direct deposit from the state of floridas unemployment. Paypal informed me that my account was permanently limited and after 180 days they wpuld notify me and allow me to withdraw my funds which is XXXX usd. My 180 days were up on XX/XX/2021 and i have yet to receive an email advising me that my funds are released. I spoke with paypal all along the 180 day process several times and was not told anything different. I really need the limitation lifted long enough to withdraw my funds and close my account for good.
Consumer complaint received 2017-08-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (TN)

Shellpoint Mortgage Servicing handles my 2nd mortgage payment of {$140.00}. I called them XX/XX/XXXX to inform them that I had overpaid this debt and wanted to settle it as " Paid In Full ''. The reason for the call was that I no longer had income and had lost my employment on XX/XX/XXXX. Between the XX/XX/XXXX and XX/XX/XXXX, I took the time to read over the Servicing agreement I had established with XXXX in XX/XX/XXXX. Upon adding up the total payments, they totaled over {$23000.00}. The original note was {$15000.00}. XX/XX/XXXX, XXXX modified the loan and reduced the payments from {$200.00} to {$140.00}. Following that reduction, I filed Chapter XXXX and DID NOT include XXXX in the bankruptcy. The XXXX debt was " Reaffirmed '' ( XX/XX/XXXX ) since I wanted to keep my primary resident. The {$140.00} was made to XXXX until XX/XX/XXXX. At that time, I received a letter dated XX/XX/XXXX stating that the Servicing has been transferred from XXXX to XXXX XXXX  XXXX. XXXX is Shellpoint Mortgage Servicing. The notice also stated " The transfer, assignment or sale did not affect the terms '' According to Shellpoint, I owe {$7200.00}. Upon the transfer, Shellpoint claims the balance was {$13000.00}. From XX/XX/XXXX-XX/XX/XXXX, I paid {$200.00} monthly and most of that in a timely manner. {$6200.00} minimum. Of which I paid {$5100.00} of interest during that period. From XX/XX/XXXX til XXXX letter XX/XX/XXXX, I paid XXXX over {$10000.00} From XX/XX/XXXX til XX/XX/XXXX, I 've paid XXXX/Shellpoint over {$6100.00}. If you include the Originating date XX/XX/XXXX-XX/XX/XXXX, that 's another {$6200.00} to add. Total payments to XXXX/Shellpoint. {$23000.00}. This amount does not include payments above the minimum required. Please note : This loan was modified to zero ( 0 ) interest. Also, in my research, I 've found that there is a class action suit against Shellpoint for this same issue of collecting more than what 's due. Shellpoint sent a letter dated XX/XX/XXXX after I ask for a payment history which stated I owe them {$7200.00}. Shellpoint keeps insisting that the loan was discharged through Chapter XXXX. Which is not true. This loan was " ReAffirmed ''. Because it was modified before I filed Chapter XXXX. Upon calling Shellpoint, they insist that the payments went to Bankruptcy court and I continue to tell them " You do n't make payments to court under a ChapterXXXX. ''
Consumer complaint received 2020-05-06
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 (NY)

I made a purchase from XXXX through a XXXX  seller XXXX-XXXX. The purchase was made on my capital one credit card on XX/XX/2020 for the amount of {$2800.00}. The order is 8000 pieces of face mask and only 3200 pieces was sent to me. The seller sent a portion of the purchase and the rest was never sent. I ONLY got 3200 pieces .Additionally the merchandise was in such poor quality it was not as shown on the website. Not usable merchandise. I opened a case and talked to capital one that hope they can help me get my credit back on XXXX20.The case number is XXXX. Capital one told me the reason why I can't get my credit back is I didn't return the items. But I explained to them because the seller didn't send to me a return label and a return address. In the end Capital one asked me to contact the merchant and work directly with them. 
The merchant didn't provide me a return address. What should I do now?
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

I wanted to get started XXXX with my PNC account. 
but It seems like bank protect my bank some reason. 
It says PNC has made a change that prevents you from being able to link your accounts. 
Would you fix this problem?
Consumer complaint received 2022-11-18
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. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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 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 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 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 2022-07-20
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: Experian Information Solutions Inc. (VA)

Experian refused to properly investigate the bankruptcy on my report. 
I provided them every documents and they keep claiming that it is mind. 
I request the proof and they refused to do so. One person put on automatic calling and claim that was the proof it it was mind. This is violation of my rights under FCRA. 
Experian claims that they verified information from XXXX XXXX and when I provide letter from XXXX XXXX plus my full report from XXXX XXXX Experian refused to properly investigate. 
I attached both letter and my full report from XXXX XXXX here. 
I also Attached the letter from the court stating the facts that they do not report to Experian while Experian claims they verified through court. That is a lie and violation of my rights under FCRA. 
I attached the screen shot from Experian website claiming that XXXX XXXX provide them the information. That too is a lie and my full report will show that. 
Experian claims that there is pending litigation and that too is a lie.
Consumer complaint received 2021-07-18
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. (TX)

My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to Experian and XXXX to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to Experian and XXXX.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I kept this credit card account with XXXX XXXX  XXXX XXXX XXXX for about two years, always paying timely, and according to all the terms and conditions of the agreement. On or about XX/XX/2020, I sent a payment, covering the full balance, of about {$300.00} .- Yesterday, I received information that a late payment of {$1.00} ( XXXX XXXX XXXX ) was filed with Experian credit reporting agency . 
Today I paid by phone. 
I request that the lender is compelled to remove the inaccurate posting. 
Thank you