davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The current standing of the Federal student loan at XXXX XXXX is listed as open with a balance of roughly {$12000.00} on my XXXX credit report. The loan was transferred from XXXX XXXX to XXXX XXXX and was forgiven through the Federal student loan forgiveness program. The XXXX XXXX correctly indicates that the loan balance is {$0.00}. The XXXX XXXX account still shows the loans carrying a balance. 

I initiated disputes at XXXX with accompanying paperwork showing the loan balance at XXXX XXXX in XXXX and XXXX of XXXX. No action was taken to clarify the Dispute. I also contacted XXXX services on XX/XX/XXXX with the following : " From : XXXX Sent : Thu XX/XX/XXXX XXXX XXXX ( Eastern Daylight Time ) To : XXXX Subject : Other XXXX XXXX  My loans were transferred and closed at XXXX XXXX XXXX to Federal Student Aid for forgiveness, but on my XXXX and Transunion credit report the XXXX XXXX  loans are not marked as closed. The last update was XXXX of XXXX. 

Please report these loans as closed to All credit reporting agencies As soon as possible, to avoid future legal action. 

Best Regards, XXXX '' the response was as follows : " On Tue, XX/XX/XXXX at XXXXXXXX XXXX XXXX wrote : Hello XXXX, Thank you for contacting XXXX XXXX. We apologize for any inconvenience this may cause. The U.S. Department of Education has changed the process of credit reporting when your account is transferred between federal student loan servicers. We will no longer close the current tradeline for your federal student loans, instead, the credit reporting file is now transferred to your new federal student loan servicer. Your account was transferred to the Public Service Loan Forgiveness processor on XX/XX/XXXX, and they would have received your credit reporting file within 90 days of your transfer. Please contact XXXX directly for further assistance. 

Thank you, XXXX XXXX XXXX We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 
https : //Edfinancial.com/emailsurvey '' I responded on XX/XX/XXXX : " From : XXXX Date : Tue, XX/XX/XXXX at XXXXXXXX XXXX Subject : Re : XXXX To : XXXX Hello XXXX, The loans were transferred, but there is no indication on my credit report that they were transferred from you to the other vendor. So it looks like the loans are still open at XXXX XXXX. There has to be another step to document the transfer of the loans and subsequent XXXX balance owed to XXXX XXXX. Otherwise it looks like I still owe XXXX XXXX $ XXXX even though the loan is closed and forgiven at XXXX. This needs to be escalated to management for review. 

Thanks XXXX '' No response has been received from XXXX at this time, additionally the disputes at XXXX were not successful, thus the loans still show the {$12000.00} is owed to XXXX when there is a {$0.00} balance.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Scammer on XXXX XXXX  who send fake emails pretending to be Zelle on XX/XX/16 that they as a buyer has send too much money via Zelle and needed the difference send back. Send emails with Zelle logo with fake confirmation they had zelled too much money.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account Uplift , Inc account number 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 an account without my written instructions.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-12-03
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. (FL)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. 

They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below : XXXX XXXX  -- XXXX XXXX/XXXX  -- XXXX ( {$1000.00}, {$2000.00} ) XXXX XXXX -- XXXX
Consumer complaint received 2019-08-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Mercedes Benz Financial Services (CA)

My name is XXXX XXXX XXXX.

I am a young adult XXXX XXXX blessed in the surrounding of law enforcement professionals.

incident ) XX/XX/XXXX Where ) MERCEDES BENZ OF XXXX, ca Purpose of visit ) maintenance on car ( purchased through them and full price. ) Not only do I have proof of identity theft, but XXXX XXXX is happy to fax anytime the existing process my victim ID number when it came to the sales pitch of getting a ledge a debit card ( s ) consumers mistook / gave their trust & all of our credit scores dropped. ( released XX/XX/XXXX / NEWS - I wish photographs could be shared here.

As a XXXX XXXX, the previous managers of MB XXXX  were very close clientele of ours.

I walked into one familiar face ( my service tech ) and proceeded with tuneup
Consumer complaint received 2021-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Remove six late payments from my credit report for student loan 1 message  XXXX XXXX XXXX XXXX XXXX Sat, XX/XX/XXXX at XXXX XXXX  To : XXXX XXXXXXXX To XXXX  To XXXX  To TransUnion XXXX XXXX. 
D.O.B. XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX, Va, XXXX Phone number : XXXX Email : XXXX Student Loan ACC : Info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX Student loan for XXXX XXXX Acc # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to verify that my student loan was on forbearance. I was given information that it was, yet my credit report still reflects six missed payments when viewed. 
This majorly affects my credit rating and causes financial hardship in my attempts to clean and create a better financial future. 
PLEASE investigate this because I know if a loan is in forbearance that no late payments are to be added and reflected on my credit report I demand that my six late payments be removed from my credit report. 

Thank you, XXXX XXXX. 
XX/XX/XXXX
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have an account with XXXXXXXX XXXX XXXXXXXX listed as closed on my report but it shows a balance {$280.00} which I do not owe. This account has been disputed with Equifax last on XX/XX/21 but many other times before. They failed to investigate or even respond to my dispute. Also, they are violating my rights because they have never marked the account as being disputed according to FCRA. This account is also being illegally re-aged by the bureaus. At this point, I want this account deleted due to inaccuracies, errors, and being incomplete not to mention the creditor has never validated this alleged debt. I included tracking numbers of all letters attempting to address this issue.
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

One Main Financial. I had been current with direct debit for all of my payments until my company stopped paying me. The last paycheck I received was XX/XX/2020. I have tried to get payment to them from my savings. I am now 2 months late and the still want at least interest payment which is 70 percent of XXXX USD. I don't have it it and I am trying to get money from any source I can but as the Pandemic runs there is little I can do. They call me 15 times a day. They call from different numbers all the times.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION (OH)

Hello, after having numerous technical problems with the website to apply for a credit card, I decided to travel hours from my home to a Truist branch in XXXX OH to apply for a credit card in person. 

Since the beginning I was always interested in the Truist Enjoy Travel card for my travel purposes. I attended the branch in XX/XX/2022, and due to a problem with the computer system, my application went to card Enjoy Cash XXXX card instead Enjoy Travel. 

The Banker XXXX XXXX at the XXXX branch said he would sort this out with the Backoffice in a few days, but today he's on vacation, and I've called several times to no sucess. 

I have been approved for the Truist Enjoy Cash card. However, I ask that the product be changed, as I am interested in the Enjoy Travel card. The branch promised to resolve and exchange the product in 1 day, without sucess. 

All I request is that the product I was pre-qualified for, be changed to the Enjoy Travel card. 
I have called the branch at XXXX XXXX XXXX and the XXXX numbers, but the waiting time is more than 4 hours. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-27
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. (NY)

I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.
Consumer complaint received 2019-03-09
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I tried to make a balance transfer of {$20000.00} into my checking card per a promotion that XXXX was having. I kept checking to see if the money had successfully transferred, but after a week, I noticed it still was not reflecting in my checking account, although on my XXXX account, it was showing as done. After calling XXXX, I was told the money was transferred into a XXXX credit card account that does not belong to me. Apparently, the XXXX account has the same account # as my XXXX   checking account, and come to find out, the balance transfer promotion was for credit cards only. I explained the situation to whoever I talked to and they promised to resolve it and get the money back into my XXXX within a week. A week goes by and the money is still not in. I check back about 5 times and Im told something different each time. XX/XX/XXXX, a month after this issue started, I call back and Im told NOTHING was done to try to resolve the issue so the complaint would be transferred to the escalations team and be resolved in a week. Another week goes by and nothing is resolved. Meanwhile, my monthly payment is due, Im trying to purchase a house, and things arent going though due to this issue. I called today to follow up, and again Im told nothing was done, and that I need to contact XXXX and get the issue resolved with XXXX. How exactly do they expect me to contact XXXX and ask them to give me an amount of XXXX dollars back when the credit card company is the one who worongfully transferred the money to them? I am beyond frustrated that it has been almost 2 months, and this issue hasnt been resolved. Im still having to make monthly payments on money that went to someone else, and on top of that, I am unable to close on a house as a result of this. Please help.
Consumer complaint received 2019-08-22
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. (HI)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX   ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX and XXXX/XXXX
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

This account with XXXX is not mine. I was trying to apply for a home loan and it came up on my credit report. I've tried to explain this to them and they said they'd do an investigation and it is still reporting. I have had my phone service with XXXX the past 15 years!!! and i've had the same phone number the past 10 years. On the credit report it shows that the account with XXXX was opened in 2018. I know my name is very common and this is a huge mistake. I need this removed. I will be filing a police report once the police station allows me to go in.
Consumer complaint received 2020-07-23
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: DISCOVER BANK (MO)

I initiated a dispute with Discover originally via XXXX Dispute. The company did an investigation and to their findings the transactions were valid. I contacted the company to ask them to look into this further because my account was suspended and my card wasnt available for use during an account review initiated from Discover. 
I did a complaint with CFPB, because at this point Discover is reporting to the three major credit bureaus that I have missed a payment, and this has dropped my score tremendously. I am in the process of purchasing a home and Discovers actions has caused a hardship that could result in XXXX for my family. 
Discover responded saying that the purchases were made when the account was Not accessible for use due to an account review. Discover said they would keep reporting this invalid payment history and balance until I tell them not to. 
That is not a resolution when in fact I never made purchases on this account. 
The resolution would be to remove the charges and late payment from my account and credit reports until a thorough investigation has been completed. 
Discover randomly selected my account for review before I could activate my card so I never got a chance to use the card. 
It is unfair to me and my family that we must suffer a hardship from not being able to purchase a home due to the late payment that Discover is  reporting on a closed account.
Consumer complaint received 2020-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Complaint against Capital One violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to Capital One started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). Capital one 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. Capital Ones response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with Capital One yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To Capital One to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as Capital one States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Consumer complaint received 2021-10-11
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: Experian Information Solutions Inc. (FL)

Experian is simply not processing my disputes. I sent them and gave them 30-45 days to process the disputes. I called them and they have the phone setup so that we can not get to a human being. You can only speak to a computer which eventually hangs up on you. Is this legal to have this setup this way because previously we could speak with people. Additionally, the reason I am calling is because my account will not let me login into to my account and submit the dispute online either. With that said, I have a XXXX casino account which is 100 percent a lie. I do not owe them anything and the dates they are stating I owe them doesnt even make sense. I also had them send in a letter stating this was false as they also stated this was false and needed to be removed. I submitted a dispute in which this account was deleted and then re added back without any notice to me from Experian. I know this is a FCRA violation and I want this account removed and I want to recieve my check for {$1000.00} dollars for the clear violation in which I am due {$1000.00} per occurence of a violation to the FCRA. I also want this account removed as it was from the prior dispute before it was magically re inserted to my credit report.
Consumer complaint received 2021-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

On XX/XX/2021 we made a payment of {$5000.00} towards our principal reduction. The mortgage company adjusted/reversed the payment and put the money as if making advanced monthly payments so that they could get their interest! We called and reported this mistake to them and they said they would correct the mistake right away. BUT AGAIN on XX/XX/2021 we made another payment towards our principal in the amount of {$8000.00} and the company adjusted/reversed that payment as if we were putting the payment towards advanced monthly payment, charging us interest on that money AGAIN! These people are scamming us because we are trying to payoff our mortgage and their actions need to be reported! Is what they are doing legal?
Consumer complaint received 2020-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (GA)

I received a message from a collection agency called Rent Recovery Solutions for unpaid rent in a property that I moved out of on XX/XX/16. As a result, the creditor, XXXX XXXX billed me for an additional month, per my lease I should of been billed through my move out date. I have an email thread from XXXX XXXX that solidifies my claim as well as a receipt from my moving company. My property manager was XXXX XXXX. The amount that is appearing on my credit is {$3400.00}
Consumer complaint received 2021-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IN)

The debt reported from HARVARD COLLECTION SER in the amount of {$450.00} is not mine. This is inhibiting me from attaining credit in order to purchase a new home or qualify for higher lines of credit. It isnt fair that fraudulent charges can make such an impact on someones life and their ability to make larger purchases.