davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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. (MA)

On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both TransUnion and XXXX. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My XXXX  score dropped dramatically due to the {$1.00} add on to a closed accounts.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.
Consumer complaint received 2021-04-29
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 been trying to rectify this with Transunion and XXXX they allow companies to pull my credit without my authorization and do nothing to look into this matter, they refuse to provide any proof or contact these companies that pulled my credit, i want these inquiries removed
Consumer complaint received 2020-10-27
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. (PA)

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX XXXX my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX, XXXX, I entered a written dispute with XXXX XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at XXXX XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
Consumer complaint received 2020-10-27
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. (PA)

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

student loans are in forbearance and should not be reporting late. 

Dept of education/XXXX  {$37000.00} Shows 3 late payments. Payments were never late Dept of education/XXXX  {$31000.00} Shows 3 late payments. Payments were never late
Consumer complaint received 2018-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I went and spoke with the manager at the XXXX XXXX location in XXXX NC, due to I made a routine deposit ( My paycheck ) that Ive been doing for the last year every two weeks. My deposit went through fine on Friday XX/XX/XXXX. Saturday XX/XX/XXXX I checked my account and the deposit was placed on hold. So I went to the bank and the manager didnt call anyone, he didnt look up my account he just insisted there was nothing he could do. When I asked why and for him to look into the account or to call someone to figure out what was going on he replied if you were rich, this wouldnt happen Now I do lol Ive paycheck to paycheck like everyone else so that remark was uncalled for. 
He proceeded to have someone call to see what was going own, they tried to say it was with my XXXXXXXX XXXX XXXXXXXX XXXX XXXX. But I had copys from the bank and a statement from my employer showing that its not the case that the money cleared with them on Friday after the deposit. 
The manager then told me there is nothing he can do and he can not give me a reason as to why. I asked him to close my account and he refused then made comments about my age. My age has nothing to do with my account , st the end of it all he said if I didnt like the rules then I can go to another bank but they wouldnt close out my accounts. Once this matter is handled after me having to wait 3 weeks to get my paycheck, I will have bills over due and Bank of America can not give me a reason as to why when the check was cleared within less than 24 hours of my deposit so I will close the account once it clears and Ill never bank there again.
Consumer complaint received 2018-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UMPQUA HOLDINGS CORPORATION (IA)

Company ( XXXX XXXX ) is reporting owed amounts of {$30000.00} on my XXXX and my XXXX  reports. This is debt from an S-corp " XXXX XXXX XXXX XXXX XXXX '' from over 2 years ago. This is what I was told by the original creditor, XXXX XXXX XXXX. I have sent many documents to the credit reporting companies for dispute. They have recognized that this isn't a valid " personal '' debt. Because I was a signer for the Company XXXX XXXX XXXX XXXX  XXXX, they have been harassing me for the past 2 years. And just recently decided to attach this debt on my personal report, which I am still trying to figure out how they were able to do this without my SS #. After this debt is removed by the reporting agencies, they intend to keep reporting it over and over again. This is a violation of Federal law to falsely report on one 's personal credit when the original purchase was through a XXXX XXXX XXXX # for an incorporated business.
Consumer complaint received 2022-04-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was behind 2 payments when XXXX XXXX contacted me via email on XX/XX/2021 about making a tax payment that was past due. She said she needed proof the taxes are paid by XXXX  at XXXX or the file will be assigned to an attorney. I made the tax payment and XXXX said don't worry about the loan payments, you have time to make them. About a month later, TD assigned my file out to an attorney for non-payment. I asked XXXX on XX/XX/XXXX if we could talk, she refused my request. I got a demand letter that week. Then TD bank filed for foreclosure. I tried to work out a plan to catch up and get back on track, the attorney told me they wanted to terminate the relationship. I offered TD Bank $ XXXX  to apply anyhow they wanted and they refused my payment. I am in foreclosure and they received final judgment. I wanted to work this out but was unable. I later learned that I should have paid the loan rather than what TD Bank, specifically XXXX XXXX, advised me to do. They told me to pay the taxes first.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Got a charge for {$260.00} from a company XXXXXXXXXXXX  I never made this transaction. Another two charges from writing services Called bank of america claims department everyday for three days stayed on the line for five hours nobody picks up. 
They dont have anybody working on this line clearly. 
If you have an EDD prepaid card I highly recommend you pull out all your money do not let this bank hold your money
Consumer complaint received 2018-07-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

I cancelled a transaction with moneygram and they promised to refund my money then locked me out of my acct and wouldnt let me back in and wouldnt give me a legitimate reason why and they sent the money to the moneygram in XXXX XXXX and then wouldnt give it to receiver so i cancelled it and i havent got my refund but yet they took my money the amout was XXXX dollars and XXXX for exchange fee the reference number is XXXX
Consumer complaint received 2018-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (AL)

I have my automobile loan through BBVA Compass Bank. On XX/XX/18 and again on XX/XX/18 they withdrew my husbands truck payment twice out of our account, causing it to go into a negative balance. i have called BBVA and nobody was able to send the check back right then. They keep telling us it will be 7-10 business days. NOTHING has been sent to us yet. When we call them they always give us the run around about whats going on. I want my {$600.00} back that they took and will not return. Now the truck payment is due again and we are still out the {$600.00}. They through our bank account into the negative while we were on vacation and i was not around to do anything about it. it cost me {$60.00} in overdraft fees and another {$20.00} to transfer money. I will refinance this through another company. Also i spoke with a couple of different managers who all told me something different. This business is not professional at all!
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

On Saturday, XX/XX/20 I listed a large comic book lot for sale on XXXX to be purchased by the highest bidder. The winning bid was placed and the item was paid for on Tuesday, XX/XX/20. I then shipped the books through XXXX ( I'm a XXXX  store owner ) using not only a tracking number but also a required signature. The package was confirmed as being delivered and signed for on Friday, XX/XX/20. The buyer even posted a positive feedback on the transaction in my XXXX profile. I was then noitifed by Paypal that they are holding my payment received from the buyer, even though they had already taken out there fee for the transaction AND the buyer had already received the items. They first stated they could not verify that the package was delivered. I referred them to my XXXX tracking number and signature receipt and they refused to accept that as proof. I tried to call the numbers but they do not take phone calls. I was forced to communicate through a series of slow texts which took hours to get a response. When I would get a response as to why I can not have my money I am entitled to I would receive a different set of " goose chase '' directions to do. The first time they said they could not verify my email address so I gave them additional proof. Then they stated they could not see the tracking number, which again I pointed it out ( it was clearly visible ) then they stated they needed me to reach back out to the buyer and get them to contact Paypal so say they received the package, which I did. Then they stated that because the address I shipped the package to was different than the address the buyer listed in his paypal account, which was a PO Box . I again explained as a XXXX  Store Owner I do not ship to PO Boxes, only street addresses as PO Boxes do not have protection for items sold which is why shipping companies will to ship to PO Boxes. I further explained to them that no where in Paypal 's policies does it state I had to do all of these extra things in order to get my money I am owed that they are refusing to release. It states in their policy that once an item is verified as being received through the tracking number in the listing, the money will be released. I did just that and they are still refusing. It is XXXX dollars they are refusing to give me which is a lot of money and they no longer accept phone calls from anyone so I have no where to go with this. It is way too much money to walk away from. I did my part as shipping business owner and shipped the item out with a tracking number and signature which is verifiable. The fact that they are refusing to accept that as valid proof of delivery and will refuse to release my money turns this issue into a fraud situation. I really need some help as I have no where else to go.
Consumer complaint received 2018-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery bought a debt I owed to XXXX XXXX. The last payment sent was to XXXX XXXX in XXXX. Portfolio Recovery has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XXXX, they are reporting I made a payment to them in XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XXXX!
Consumer complaint received 2018-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have contacted Transunion, XXXX, and XXXX several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Consumer complaint received 2019-05-16
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. (GA)

XXXX XXXX XXXX Reported : XX/XX/2019  {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid  claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2020-12-04
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. (PA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo ADVISORS ARE XXXX AND XXXX. I OPEN A CHECKING, SAVING AND BROKEAGE ACCOUNT, THEN ALL OF A SUDDEN MY ACCOUNT IS LOCK BROKEAGE. I CALLED THEY SAID GO TO BANK FAX SOCIAL CARD. I DID IT STILL LOCK. I CALL AGAIN NOW THEY CHECK STUB RENTAL LEASE FOR ME TO OBTAIN MY OWN MONEY. I TOLD THE GUY I FEEL LIKE YALL TREATING IN A XXXX  AND HE SAID IT MIGHT JUST BE THAT. I HAVE NO MONEY OR HOLIDAY GIFTS. I REALLY TIRED OF THIS XXXX  XXXX WORLD WHERE XXXX SUPPOSE TO BE POOR