davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting 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. (IL)

I just recently got alerts from TransUnion and XXXX Tuesday night which was XX/XX/year> into Wednesday morning XX/XX/year> in reference to someone trying to getting a car loan in my name. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose to be on my report. Delete these inquiries due to violation of 15 USC 1681B
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Merchants & Medical is erroneously attempting to collect a debt in the amount of {$3700.00} on behalf of XXXX University. In XX/XX/XXXX, Merchants & Medical placed this collections account on my credit reports causing extraordinary damage to my reports and FICO scores. I hired a firm in XX/XX/XXXX to investigate this matter further with XXXX. On XX/XX/XXXX, my counsel and XXXX  concluded their investigation and, as a result, XXXX deleted the Mechants & Medical account from my credit report. On XX/XX/XXXX, Mechants & Medical has illegally placed this account ( XXXX ) on my credit reports again by using fraudulent, illegal and unfair debt collection practices despite my firm having successfully worked with XXXX to get the Merchants & Medical account removed from my credit reports in XX/XX/XXXX. Months later, in XX/XX/XXXX, Merchants & Medical fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the  history of our country. Once again, I will have to file disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Merchants & Medical.  Furthermore, I will be seeking additional legal counsel and filing complaints with the XXXX and FTC if this account is not removed from my credit reports promptly. I would like to settle this matter without litigation. However, if Merchants & Medical continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system. I have attached the results of XXXX XXXX investigation to this email as evidence that the account was deleted as a result of their investigation in XXXX XXXX.
Consumer complaint received 2017-08-12
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. (WI)

A bankruptcy along with non-approved inquiries was dispute over 30 days ago and a removal was requested. I have a certified receipt of delivery of that request. No action has been taken by TransUnion as of this date, XXXX-17.
Consumer complaint received 2018-09-21
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. (IL)

OnXX/XX/2018, I wrote to XXXX, XXXX , & TransUnion informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. XXXX  XXXX XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 TransUnion & XXXX Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who TransUnion & XXXX spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

Paid off Barclaycard XXXX months ago, but it held processing to accrue late fee charges, then Barclaycard discontinued sending paper statements and changed credit card account without sending credit card replacement. 

Unaware, Barclaycard account went from zero to {$170.00} from entire late fees and APR penalty increase without a single purchase or cause for charge. 

Five hours of customer service calls, Barclaycard refuses to give me any paper document other than a discontinuation letter of notice which it threatens to negatively impact my credit rating. 

I may need to file lawsuit through Small Claims to get Barclaycard 's attention to stop wrongly harassing me and having their collections phone me on weekends at XXXX. 

The only information that I have from Barclaycard about the account number are the last four digits so I can't even write to Customer Service for help as there is no account to refer to, and when I received the one document in the mail it was poorly printed from someone's home computer so appeared to be a phishing scam but I called the direct number from Barclaycard web site and there is this problematic issue.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (TX)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

Accounts Reason This collection is not my account. 

XXXX XXXX XXXX This collection is not my account. 

XXXX XXXXXXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX never made a late payment on this account, please correct. 

XXXX XXXX  XXXX BANK I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EIC Enterprises (TX)

XX/XX/XXXX I took out a payday loan for {$200.00} and I just noticed that they are still taking money out of my account. To be clear every two weeks Next Loan takes out {$59.00} since XX/XX/XXXX. I have paid them XXXX as of XX/XX/XXXX and they stated if I pay them off today my payment would be {$250.00}. If I want to keep making payments until XX/XX/XXXX it will still be {$59.00}. This is highway robbery. This means if I pay them to next XX/XX/XXXX I would have paid them {$1.00}, XXXX for {$200.00}. I have never in all my XXXX  years heard of this and how did they come up with a year contract for {$200.00}? Somebody please tell me what is happening?
Consumer complaint received 2020-10-12
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. (OR)

responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX XXXX XXXX, XXXX  ( XXXX XXXX investigated your complaint. We closed the XXXX account ending in XXXX, ceased all calls and other collection communications regarding the account and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your dispute, we closed the XXXX account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 

Equifax is still reporting this account which actually was closed
Consumer complaint received 2021-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I received a letter from Fedloan Servicing dated XX/XX/XXXX showing that my student loans have been paid off in full. 
Their website shows as of today XX/XX/XXXX that I owe {$270.00}. 
This is upsetting seeing that the company has already sent me a formal letter detailing how I have paid off my accounts in full.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (SC)

CONVERGENT OUTSOURCING has placed derogatory marks on my credit report in attempting to collect a debt that is not valid, on behalf of XXXX XXXX. Documents attached will show that on XX/XX/XXXX I began to communicate with XXXX XXXX regarding incorrect statements made to me in securing my business, and incorrect billing that began immediately thereafter. And over the remainder of my business with XXXX into early XXXX, I continued to contact XXXX XXXX while being swapped from rep to rep, put on hold, told I would be called back without any response. Documented is another call in XX/XX/XXXX where I again attempted to reach a resolution with XXXX regarding the billing but was left waiting for a call from a manager to reach a resolution. All of this time they were offering to give me a credit when I pushed for the bill to be corrected but never would adjust the actual bill. And I do not believe I owe any monies to XXXX.
Consumer complaint received 2019-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, my card was stolen while in transit, and since Capital One did not have proper security measures, my credit card was activated and money was withdrawn twice. {$20.00} was charged to me in withdrawal fees and {$0.00} interest was charged to me for the withdrawal by the bank. A month later the investigation completed and my account was cleared. The hundreds of dollars of charges impacted my credit utilization. I lost my brother during this time, and instead of grieving I spent hours on hold trying to get back {$0.00} and didn't get it removed until XXXX. I reported the fraud to XXXX, and capital one is disputing it, stating that there " is '' no fraud since it happened in the past. They are lying stating that they have no record of fraud. Furthermore, by charging me interest for the withdrawals, they are profiting off of fraud and committing fraud themselves. 

Capital One needs to implement mainstream and normally-practiced fraud prevention measures, and also should not spread false information about real events and practice fair reporting. This is a violation of the FCRA as it interferes with my ability to verify and ensure credit report accuracy.
Consumer complaint received 2020-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

In XX/XX/XXXX I had a routine medical checkup for lower back issues. As this medical practice was reported in network for my insurance company at the time, I only was charged a copay of {$25.00}. That was the last I heard anything in regards to this visit until I received a collection letter from Remex collection agency over 4 years later, in XXXX of XXXX. That letter states that I owe an amount of {$1300.00}. The insurance companies refuse to help or pay claiming that it was out of network and they claim that this was my responsibility as well. Once again, first time I heard anything about this. I dont think anyone would be happy or count it fair to send out a collections letter over 4 years later from a doctors visit. Im trying to refinance my home and this just lowered my credit hindering me from doing so. This is not fair or legal for any corporation to wrongfully and unfairly slap this on someones credit report. I had an attorney send a letter but they ignored that as well. Any help for restitution and looking into an unfair and shady practice such as this would be helpful to myself and any pat and future victims. Thank you
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (VA)

I had financed furniture through American First Finance, with the agreement of XXXX semi monthly, then the date from XX/XX/20 - XX/XX/20 they took out 5 payments and another XXXX to close the account, I was told that the loan date was up XX/XX/20. Why would they give you a loan dollar amount that would not match the time of the loan? I tried to contact them and was told that since I was on auto pay they could keep collecting until the debt was settled. I do not think it was made clear at the time of the loan nor at the end that this would be happening. I do not know of any person that has 5 extra payments laying around for a company to continually take out. I had contacted my bank and they are working on getting the last 2 payments disputed, they were from saturday XX/XX/20 but they advised me that since i gave them permission to use my card, it may not help. This was after i knew that they had taken 4 payments out already. I want to know how this is legal. I did not authorize 5 pmts. I did authorize semi monthly payments.
Consumer complaint received 2023-01-11
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: Bread Financial Holdings, Inc. (PA)

I received an email at XXXX AM XX/XX/23 from both XXXX and my XXXX  credit subscription that someone filed a hard credit inquiry with XXXX XXXX XXXX which XXXX turned up as XXXX XXXX XXXX XXXX I went to sleep XXXX hours prior to this, so I know it was not me who requested it. I worked with XXXX to have this removed from my XXXX account, but it is still active on my other accounts. I reached out to Comenity Bank, responsible for the credit card company associated with my hard inquiry, but they are unable to help me without an account number.
Consumer complaint received 2020-10-12
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: CITIBANK, N.A. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

There are two cases that have come up recently involving Paypal that has led me to believe that the company is unconcerned about consumers. Their incoherent rules and unwillingness to investigate suspicious behavior further ends up helping scammers rather than deter them. There is a reason scammers love to use Paypal to pull off their scams - they know they can use the company 's rules and general uncaring attitude against their victims. 

I have been the victim of two scams over the last year. In each case, I filed a complaint with Paypal ( see details below ). In both cases, Paypal ended up favoring the scammers. 

Paypal Case XXXX ( XX/XX/XXXX ) The scammer is posing on XXXX as a seller of sports tickets. The scammer claimed that they had tickets available for an event. I corresponded with the scammer via text messages. The scammer shared their Paypal e-mail address and agreed to send over the tickets once payment was received. As soon as I made the payment of {$150.00}, they stopped responding to my messages. Once I realized I had been victimized, I tried to stop the payment by claiming it was an unauthorized payment. Unfortunately, Paypal stated that because the payment was sent as a personal payment, they couldn't help at all. On top of that, they said that they investigated the IP addresses, which showed that I had made the original payment. They never bothered to investigate the scammer 's IP address. I feel that a consumer can very quickly find out once they have been scammed. Thus, by not allowing a user to cancel a transaction within minutes, it is allowing scammers to pull off these scams. 

Paypal XXXX ( XX/XX/XXXX ) This is a scammer posing on XXXX who wants to buy tickets. In this particular instance, I had posted two tickets for a sports event. The scammer made contact with me and purchased the tickets for {$210.00}. The scammer paid via Paypal, received the tickets, and there is proof ( from XXXX ) that the tickets were used at the event. A few days after the event was finished, the buyer claimed the Paypal transfer was unauthorized. They got their bank involved and were able to get their money back. The scammer refused to reply to my messages, pick up my phone call, or respond at the e-mail address that was used to receive the tickets and make the payment. In this case, Paypal refused to help me once again and simply took the money out of my account. 

As you can see from the above, Paypal is being abused by scammers to perpetuate their crimes. I know that consumers have to be careful, but Paypal is completely shunning their responsibilities as a financial institution. Paypal prides itself on being a company that values security and protects buyers/sellers. However, this is simply lip service. They care only about their bottom line. They are just as guilty as the scammers out there because Paypal provides them with an easy avenue to get money from their victims.
Consumer complaint received 2020-10-12
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: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

After reviewing my credit file, i saw that i have too many inquiries that were not authorized by me, but my guess it is that when i applied for a car loan, they shopped around my SSN, therefore it resulted to about more than a dozen inquiries witch is hurting my credit file