davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Opened a dispute with TransUnion and subsequently mailed supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. TransUnion agreed with XXXX XXXX, contending they didn't receive my documentation. TransUnion refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute with TransUnion. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. In short, TransUnion takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/XXXX, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/XXXX to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with Citibank NA. I do not dispute that I had a credit card with Citibank. What I find as a problem is that I never received notice from Citibank that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by Citibank to XXXX XXXX XXXX XXXX , XXXX. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. Citibank NA knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to Citibank NA and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
Consumer complaint received 2017-09-19
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. (GA)

I contacted TranUnion about bankruptcy information that is displaying on my credit report to let them know that the information was not accurate. The bankruptcy did not belong to me. They said I needed to dispute the information on my credit report. I disputed the information onXX/XX/XXXX and the information came back on XX/XX/XXXX as being verified. While TranUnion was working on the dispute, I reached out to the Bankruptcy Court in XXXX to get information about the verification. They told me I could send a letter. I did and they responded to my letter by letting me know that they did not have information on file about me and that they did not verify any bankruptcies. They sent me this letter dated XX/XX/XXXX. I have scanned it in and will include it here. 
When I received the information from TransUnion on XX/XX/XXXX, I called them to inquire about how they verified this and the person I spoke with told me they verified it through the Court systems or a verified source. So I let her know that they did not verify it through the Court systems because I have a letter from the court system specifying that they do not verify bankruptcy information for credit reporting agencies. The customer service rep then said that it must have been verified by the outside source. I requested that information from her at that time and was told she could not give that to me. So how am I able to dispute the verification if they will not tell me who the source is so that I can write them for debt validation? I need to clear this up and according the FCRA, I should be given the information to clear up the inaccuracies on my credit report. I should have full disclosure. It is my credit report. I am trying to figure out what the problem is. This information does not belong to me and I would like it removed from my report. Thanks
Consumer complaint received 2020-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (DC)

I opened my money market account with a promotional bonus code. I was promised {$300.00} for maintaining a {$25000.00}. I funded my account with {$25000.00} dollars as required for the bonus. The bank website, offers.suntrust.com, states that I qualified for the bonus and the bonus is pending. However, while I maintained the {$25000.00}, I still have not received the {$300.00} bonus.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/2018 I spoke to a Bank of America specialist and was given my payoff balance with interest. I sent payment in the amount stated XX/XX/XXXX thru XX/XX/2018 Bank of America recorded multiple 30 and 60 day late payments for a balance of 1.50 left over from the payoff balance incorrectly given. The bank did not contact me and I did not receive a statement. I wasnt looking for one since I paid the stated payoff balance in full and had not used the account again. The bank closed the account and reported the account to all 3 agencies. Im requesting the negative information be removed and the account reopened - due to the banks error ( s ).
Consumer complaint received 2018-10-01
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. (SC)

Im in the midst of closing on my mortgage, when a reporting appears from XX/XX/2016 from Treasury Department on my credit report at the last pull before closing, this account isn't mine, but I related to Equifax to whom it belonged to, and was ignored, I don't have time to wait for the improper investigative process that results in not factual results but whatever is profitable to the corporation. 

For over five years I have sent these documents to Equifax stating that unless the creditor reports my name on my social security card, then its not me, and they have ignored it because its profitable to ignore, and continue reporting other information. 

The debt reported as XXXX XXXX XXXX is reporting in a name that isn't on my social security card, and not on my credit report, but Equifax still reports it, recently they found that a credit card using another social security number was on my credit report, that wasn't my name or social security number, yet still reporting, and for three years reporting public records of bankruptcies, which just as the credit card, was probably belonging to XXXX, which isn't me.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (IN)

XXXX reported my credit score as going down 85 points because I paid my credit card off. I called XXXX and complained because this happened before and I filed a complaint on XX/XX/2018. It took weeks to get it fixed. I called XXXX today and they told me that the credit score that Credit Karma is showing for me is not their credit score for me. So, if that is true, Credit Karma is showing the wrong score and I fear they are doing so to get me to take out more credit cards. Also, I received a called from XXXX telling me a fraud was placed on my social security number and that I needed to call XXXX immediately. 

I am concerned because my mortgage loan is currently in the underwriting process and I am unable to know what is going on because of these current actions. Also, since underwriters check fraud records during their approval process, I fear that a scammer has gotten my information while that report was being run. Also, I am concerned that Credit Karma is showing me incorrect information on my account. 

Please invesitgate to help me and others. Thanks!
Consumer complaint received 2022-04-07
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. (NC)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Performance Settlement, LLC (NY)

My complaint is about Performance SLC, LLC taking advantage of my time of need and misleading me into paying for services that I could have performed for free. In XX/XX/XXXX, their services reached out via text about applying for student loan forgiveness. When I called the provided number, it directed me to a representative that said they could help with my loan forgiveness. They suggested that I consolidate all my students loans before making payments and they asked me various personal information about my background and employment. I sent pictures of my pay stubs to evaluate what payment plan would best fit to annual income. My account was created XX/XX/2017 and they put me on a payment plan of XXXX a month and the first payment was made XX/XX/2017. I thought everything was moving well until I started getting noticed about my due balances to my student loans. I then looked up reviews about Performance SLC and XXXX XXXX XXXX online and found out that other students have fell victim to this company misleading agenda for money and third party involvements.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I don't recall having a contractual relationship with this collection company ARS ACCOUNT RESOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit report Experian XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (ME)

i have XXXX sitting in my paypal account since XXXX and paypal still wont release. I reached out to them and they said to email XXXX with photo id to restore the account and balance. I have done this many times and even asked for updates. They dont respond. I think they just said that to close my complaint but had no intention of following up. They have everything they requested but will not respond.
Consumer complaint received 2018-09-30
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. (AZ)

My XXXX XXXX XXXX XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX # : XXXX is lost/stolen, and all of the transactions on both accounts, are fraudulent and unauthorized, and dont belong to me.
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2021-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on XXXX, experian. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.
Consumer complaint received 2018-09-30
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them
Consumer complaint received 2018-09-30
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: CREDIT ACCEPTANCE CORPORATION (CT)

I took a look over my credit report and realize that i have hard inquires from the following companies and i reach out to them about the matter and also sent in a written letter asking that they send proof that i authorize them to run my credit. They respond XX/XX/XXXX with just telling me that they was authorize to run my credit. They did not send and proof like my signature authorizing them
Consumer complaint received 2023-03-29
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: TD BANK US HOLDING COMPANY (NC)

On XX/XX/, I applied with XXXX XXXX XXXX XXXX XXXX for a new vehicle loan. There was 1 inquiry with XXXX XXXX XXXX XXXX On XX/XX/, I noticed 2 NEW inquiries from TD Auto Finance that were UNAUTHORIZED ; the dealership claims they can pull my credit without consent because my credit application is within 30-days. I did not authorize a new credit report to be pulled and they did so without consent and are giving me the runaround. This has negatively impacted my credit and XXXX XXXX has not done anything to resolve this issue. Again, there is no record of credit authorization on XX/XX/, only from the original 1 time inquiry on XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

XXXX XXXX XXXX  Toyota Motor Credit sent a debt collection letter on XX/XX/XXXX that I have attached stating that I am to pay an amount owed debt of {$610.00} for the XXXX XXXX is XXXX that was declared and paid as a total loss by XXXX XX/XX/XXXX according to XXXX. I called XXXX XX/XX/XXXX to resolve issue with no avail as I received no solution to resolve incorrect debt. In previous complaint against XXXX XXXX XXXX  Toyota Motor Credit for same XXXX Is XXXX that I have attached to this claim as proof, XXXX  stated, " Our records reflect that the account was closed as of XX/XX/XXXX due to insurance loss, and the balance on the account is zero. We mailed a letter of guarantee to XXXX, dated XX/XX/XXXX, advising that the title or security interest to the vehicle would be released upon receipt of the settlement payment in the amount of {$49000.00}. Our records also reflect that we received the settlement payment on XX/XX/XXXX ''. As of XX/XX/XXXX this account should be paid and closed off my credit report. The letter XXXX  sent XX/XX/XXXX looks to be of a refund that is instead owed to me in the amount of {$610.00} and an incorrect debt lexus is trying to collectXXXX XXXX is also in violation of lease agreement as the lease is covered by GAP coverage and as of today no GAP coverage has been applied to closed account.
Consumer complaint received 2018-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

We them on XX/XX/2018 at aprox 3 pm and I RECORDERD the call even though they said to stop, but they kept there recorder going so that works one way only for them. They embarrassed me in front of XXXX XXXX I am a XXXX and entrusted them with my funds my card is paid every month with a low debit. SO WHY are the lieing to me about XXXX and my funds? They cut me off when I had {$900.00} to spend why I called THEM TO LET THEM KNOW IT WAS ME.