davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-02
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. (OH)

My name XXXX XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address is XXXX XXXX XXXX XXXX OH, XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : 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 Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Consumer complaint received 2022-12-20
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. (SC)

In accordance with the Fair Credit Reporting act. The consumer reporting agencies has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 : States I have the right to privacy.

15 U.S.C 1681b ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am disputing the XXXX XXXX XXXX entry on my credit report for violation of the FCRA and California State Law. This information has not been reported correctly nor has it be updated correctly. It states the date of last activity is XX/XX/XXXX on Experian and on XXXX it states the date is XX/XX/XXXX. Experian shows the account as Open and XXXX shows it as Derogatory, these are inaccurate entries. Experian also shows the last payment was XX/XX/XXXX and XXXX shows the last payment as XX/XX/XXXX again these are both inaccurate entries and in violation of the FCRA and California State Law. The vehicle was in a non-driving accident hit by a Truck while parked and covered by Insurance once deemed it was a total loss. 
This item must be removed from my credit report immediately due to their clear violations of the FCRA and California State Law, this is Fraud!! I am sending a copy of the credit reports for both Experian and XXXX to verify the fraudulent entries on my credit report. I request immediate removal of this item off my credit report.
Consumer complaint received 2020-10-27
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. (NC)

XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. CITIZENS BANK XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX 'S XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX I did not make these inquires
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (MA)

Received multiple calls to pay outstanding balance weeks in advance with no mention of the following form. Card declined after posting payment of half my statement. Fourth call to customer service advised I had to fill out IRS form 4506-C to verify income. Would not allow me to verify in any other way. Customer service also provided multiple different answers as to why my card kept declining before advising me to complete this form. Company has frozen use of my card until the IRS provides my recent tax returns. Would not accept them from me, or any paystubs ( I have record of all of my paystubs online from my employer ). Customer service had no way of expediting this verification. Typical turn around time is 60 days per the form. I recently paid down half of my outstanding statement balance. Expecting immediate use of my credit card after payment was posted, I no longer have money available to live for the rest of the week.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

My ex husbands credit card bought by midland and charged off was charged off as my debt. It wasnt my debt. Its counting against my credit score and report. Midland has sent letters and called my house my address. Im divorced since XX/XX/XXXX separated XX/XX/XXXX. This isnt my debt from XXXX XXXX  XXXX  its his
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent 4 letters over the last year disputing inaccurate bankruptcy information on my credit reports with Transunion and XXXX  with the most recent letters dated XX/XX/2020. I received the results from Transunion dated XX/XX/2020 stating the information was verified as accurate. I received the results from XXXX dated XX/XX/2020 stating the information was certified to XXXX  as accurate. See the attachments for copies of the disputes to both Transunion and XXXX. 

The disputes with both Transunion and XXXX  have not been resolved as the information has not been verified. I have not received any documentation of said verification received by Transunion or XXXX.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SERVISFIRST BANCSHARES, INC. (AL)

I bank at ServisFirst. I am missing {$6800.00} from my account. They're located on XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I just learned about it today
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION (MI)

Chemical Bank sent a check from my escrow account to the wrong Homeowner 's Insurance provider, and my escrow account has not been credited for the mistaken transaction. 

XX/XX/2019 : Chemical Bank issues a payment of {$1500.00} to XXXX XX/XX/2019 : I switch Homeowner 's Insurance providers, from XXXX to XXXX XX/XX/2019 : XXXX issues a refund check for {$1300.00} for the cancelled homeowner 's policy. 
XX/XX/2019 : Chemical Bank issues a payment of {$1600.00} to XXXX ( the old Homeowner 's Insurance provider who no longer services me ) XX/XX/2019 : I deposit the refund check of {$1300.00} into my escrow account. 
XX/XX/2019 : I receive a letter from XXXX stating they have not received payment for my homeowner 's policy from my bank. I call Chemical Bank and the discover the original payment for {$1600.00} was sent to the wrong insurance company, XXXX. The issue a payment to XXXX for {$1600.00}. I am told to contact XXXX to about getting my money back. XXXX have no record of the payment associated to me, stating that the money would've come over in a larger check, associated with many policies, and have no record of anything for my account. I call Chemical Bank back, and they tell me they'll look into it and call me back. They never return my call.
Consumer complaint received 2022-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

mortgage company refuse me a loan modification on my loan even during covid they said in office you are BLACK BALL and u can never get loan modification. 
the only way too keep home i had to file XXXX  XXXX during the XXXX  XXXX mortgage company sent conflicting statements saying no money was ever sent over the first year they stated my balance went up and they received no money! second year they kept up with same deception stating no money received so i ask for payment history and ask my lawyer why are they sending documents which are very discouraging and dishonest. 
i ask for total paid to mortgage company and i pay account off/ CLERK of XXXX stated on legal document mortgage company received XXXX However they sent statement that i owed for 2years { have document exhibit 1 ) i owe for the two years in XXXX XXXX and balance before XXXX XXXX which totals XXXX plus i almost lost my mind!! So I ask for QWR in XXXX when clerk of court gave me amount paid in to mortgage company and i pay rest off.to this day i have not received nothing they told me i cant talk too anyone, plus they sent all my personal mail with any correspondence too a BK attorney in XXXX which stated he no longer represents me { exhibit 2 } lawyer writes me asking why are they sending your mail to me. 
i told him they are trying too steal the property and keep me not inform, Know out of the blue one rep I spoke to at mortgage company said i don't know why they are treating like this but this guy said I'm send u out a modification pack because you are black balled. 
and i filled it out ( exhibit 3 ) XXXX they never sent me a reply but pull my credit they were still double tracking me for foreclosure/ will not give me accurate pay off XXXXstalling tacti 's then they sent me a foreclosure date 30 says out XXXX. they still have my XXXX now they are trying to unjust enrich their self. NO letters sent to me to cure default, all info sent to different address the forwarded to me how many days is lost.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

My name is XXXX XXXX and I am dealing with this Unauthorized collection does not belong to me, I have no knowledge about this collection accounts. 

XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2021-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NY)

Venmo recently implemented an enhanced identification verification process that was no a requirement before. This resulted in them locking a few hundred dollars in my account and demanding either 1 ) personal identification information ( including last 4 digits of SSN ) ; or 2 ) my bank account details, if I wanted to be able to transfer this money to anyone else or to withdraw the money. 

Venmo is a shady company that I do not trust with my personal/banking information, and only reason I was using it was because they allowed me to have a usable balance for years ( by receiving money from others first ). Now Venmo allows me to add a debit card and continue making payments, but prevents me from using my available balance until I provide personal information. 

In essence, Venmo lied about not needing personal information, and is currently holding a few hundred dollars hostage and demanding I hand over my personal information, claiming its a PATRIOT ACT requirement despite that act not being anything new. This is ridiculous for a company to mislead a customer into using their product, and hold customers assets hostage while demanding personal information.
Consumer complaint received 2021-09-23
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)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report
Consumer complaint received 2020-10-27
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. (NC)

The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the 9th i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}
Consumer complaint received 2017-09-22
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. (FL)

hello- I was involved in the XXXX breach and the Transunion glitch. Now all of a sudden, I have numerous inquiries on my credit report that do not belong to me. I also have 2 accounts with XXXX XXXX XXXX that were NEVER paid late now showing 30 and 90 days late. This needs to be corrected and showing no late payments as it did before. I have reached out to this company to take care of these issues but they have refused. My credit was very good with no derogatory information and now these items have appeared on my report. I have done an excellent job with making sure I have positive credit. But these factors are eliminating me from purchasing a home. I want these items to be removed within 5 days upon receipt of my complaint or I will be seeking legal advice.
Consumer complaint received 2017-09-22
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (OH)

After failing to work out a viable payment plan with Navient I submitted a cease and desist letter informing them that any further contact was unnecessary and would be considered harassment. This letter was received by Navient on XXXX XXXX, XXXX by certified mail. Navient replied with an acknowledgement shortly afterward but the calls continued to this day, XXXX XXXX, XXXX. I am filing this complaint because today ( XXXX/XXXX/XXXX ) Navient contacted my mother about my account and I feel their behavior over these five months amount to a sustained form of harassment.
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (WA)

My US BANK debit and credit cards were stolen from XXXX XXXX XXXX in XXXX, WA on XXXX/XXXX/15. I reported the theft immediately, but there was already {$1000.00} of fraudulent charges on the debit card. The cards were cancelled, but the account was still driven into the red ( there was only about {$37.00} in the account to begin with. No one at the bank has been able to explain how the thieves withdrew so far over the limit ). I submitted a fraud claim to US BANK to be refunded the stolen money. I did n't hear anything until yesterday when I received a letter stating that my claim had been denied and I was responsible for the stolen money. The letter said that if I had questions I could call and speak to a Fraud Prevention Representative XXXX a day, 7 days a week. This has NOT been the case. I 've been on the phone for 2 days trying to speak to a fraud representative -- they have NEVER been available. I 've been told my several people at US BANK that Fraud Representatives did not take phone calls and they 're unreachable. I was promised by a supervisor that a supervisor with the power to change the ruling would call me back by this afternoon ( XXXX on XXXX/XXXX/15 ) but that did not happen. In fact, when I called back at XXXX to catch someone before they left I was told that no one could help and that I was responsible for the charges. Meanwhile, I 've been called twice ( so far ) by US BANK collections demanding to know when I was going to pay the overdrafted account. I told them that the account was robbed and that I was waiting to hear from the fraud department. That did n't matter, they called back asking for the money.
Consumer complaint received 2021-09-23
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: National Credit Systems,Inc. (FL)

I am filing a complaint against the reporting agencies and national credit systems ( NATLCRSYS ). They reported on my credit that I owe {$1900.00} or {$1900.00} and I've asked for explanation, in writing, of why I owe this amount, with proof and summary. I haven't gotten any response with those details but they're putting it on my credit as collection.
Consumer complaint received 2023-03-10
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I've been trying to dispute a lot of information on my credit report and I keep getting that it's going to take 30 days or they going to investigate and the same thing happens day after day I really will like it to be fixed it so that I can actually get the fair rate on everything that I'm supposed to get I think it's fair for everyone to have a fair credit report instead of having a wrong cover report!!
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (IL)

I initially opened a secured credit card with first progress bank, the security deposit was XXXX dollars. I had trouble making payments because they didnt take debit payments over the phone, overall many issues making payments in general, so I closed the account. Well I then pulled remainder of funds I deposited off the account and they neglected to close the account for many of months and charged me with XXXX dollars in late fees. Damaged my credit and score.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (IL)

I have been working with XXXX XXXX XXXX 's collection agency Transworld Systems Inc, and through my bankruptcy XXXX and Transworld agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and Transworld lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with Transworld Systems. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. XXXX has never answered the complaint or contacted me. XXXX has disappeared and seems to not be honoring the agreement. I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. My income can not support these payments. I have filed multiple complaints and I need XXXX and Transworld to respond NOT XXXX. They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had an account with Capital One I went into to set up auto-pay so I wouldn't have to work about my monthly bills. I set up the auto-payment with my XXXX XXXX serve card which is a prepaid card. I was allowed to set up the auto payment with the prepaid card without an issue the auto payment was set. So I thought they money was coming out monthly like I set it up then when I received letters stating my account was past due. I did a payment online with the same card this time as a one time payment it processed. Then when I checked my account I still had a late payment I became frustrated and confused not knowing why my payments didn't work. I knew places that didn't accept prepaid cards say it as soon as you enter the information letting you know this card isn't allowed. I called in Capital One to process the payment which I assumed it got processed. Kept with the back and forward for a while then my account was closed off. 
Capital One is to blame why my account went past due if I was aware that my card wasn't allowed to make payments I would of made payments another way. But instead I put money on that card and set up auto pay thinking that my money was being taken to bill the bill. 
Capital One never gave me an error message even when I called the agents took the card to make a payments. Only when past due and I spoke with a supervisor I was told that it was a glitch in the system and they dont accept that type of prepaid card. Then with all the fees I couldn't afford to pay the balance plus fees so I gave up. Then when the account closed I paid them after some time and I was told that it would be removed of my report if I paid a certain amount and it was never removed. 
I need help removing this negative information of my credit report
Consumer complaint received 2021-06-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC (PA)

My mortgage company ShellPoint has me on forbearance until XXXX When my husband returns to work I have reach out to the several time to have the open balance be added to the end of the loan which is one of four options Now, instead, I recently received correspondence that ShellPoint sold the loan to XXXX XXXX XXXX XXXX. 

Now XXXX sent me a correspondence stating they are a Debt Collector who is attempting to collect a debt Im confused