davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is currently reporting an unverified debt to TransUnion and XXXX. In the past i've disputed this debt with the collection agency and credit reporting agencies. This account had been successfully removed from my report years ago and just recently, added back. It's also reporting a more recent account open date of XXXX, which is completelyinaccurate. This account was originally owed to XXXX XXXX in XXXX, seven years ago. Neither reporting agency has been able to verifythis debt or respond in a timely manner. XXXX has never contacted me explaining why I may or may not owe on this debt nor have they been able to validate this debt.
Consumer complaint received 2019-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services (MA)

I am filing a formal complaint against a previous loan servicer, Conduent Education ( formerly ACS ), a company that acquired my Federal student loan in the late XXXX 's, early XXXX 's from XXXX XXXX ( I believe ). During my borrowing period, I feel I was subjected to ACS ' arbitrary and rampant fees, predatory lending practices and massive interest rate hikes. I had to defer my loan on a few occasions as I could not afford payments at the time. I continue to struggle today, as I've been repaying my school loans for 10+ years, and have another 19 years to go, as I've refinanced my loan to another servicer that is reputable. I also know that ACS was involved in several lawsuits due to bad lending practices, during the time I was a borrower of their services. I am living pay check to paycheck as my loan repayment has reached {$560.00} per month, trying to support a family of 5 along the way. I've tried to acquire my loan payment history with Conduent ( formerly ACS ), but I am experiencing tremendous road blocks as they won't publish a direct customer care phone number on the web, nor will the online account system recognize my registered account username or password. I am really tired and frustrated of their business practices.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tesla, Inc. (NJ)

Tesla Solar Bill : Bill Amount : {$1000.00} I tried to talk to Tesla to revised the contract because I am having hard ship to pay the energy bill. And now I can not afford it. They are keep adding the amount every month, even its not producing any energy during winter time. There is no solar light out. Its cloudy most of the winter and the day is short. Their Device is not functioning. 

They are keep calling and put it on my credit file. 
They call every day. I said I can not pay the bill BECAUSE MY INCOME HAS FALLEN AND until you revise the contract or you can take your Solar Panel back. 

They do not want to do either of them, THEIR MONITOR HAS GONE BAD ( NOT FUNCTIONING ) TO TRACK THE ENERGY USAGE, STILL THEY ARE SENDING ME A BILL EVERY MONTH. 

The company has already collected State and Federal Credits for themselves.
Consumer complaint received 2019-03-20
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. (MO)

In the past few months I have made many attempts to correct incorrect credit information. In XXXX, I decreased my credit card debt, removed 2 accounts that weren't mine and disputed another. The company that I disputed with updated the information as correct, however, TransUnion added the account as a new account, causing my score to drop XXXX points. This is per a representative at TransUnion. I called them again and have since noticed the account removed but they did not increase my score to where it was originally before they put the account on. I would like my XXXX points back. They are refusing to add them back.
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Riverwalk Financial Corporation (GA)

Theyre trying to collect {$8900.00} from me on an account that was closed two years ago. They didnt even serve me they just left the papers at my house. Theyre based in Texas and suing me at a court in California! They were already raided by the FBI once but I see theyre back to their slimey ways
Consumer complaint received 2018-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (GA)

Debt ( {$9200.00} ) was from XX/XX/XXXX by XXXX, Debt was parked and resubmitted on XX/XX/XXXX, incorrectly put the age of the account from 3yrs to 1 yr, information on credit profile is incorrect and have disputed with the Credit Companies, they files as other however it is a auto, never sent me information about parking debt or that it is a valid debt to pay, no contact from NCB at all
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MO)

Someone used my personal information to open a Discover credit card, and spent approximately $ 5k on merchandise, cash advances, etc ... I found out about the fraud through XXXX XXXX and also a package was delivered to an address that I had previously moved out of. One of the realtors involved in selling the house after we moved out contacted my wife and connected us with the new owners of the house to get the package. It was a XXXX XXXX which we didn't purchase, and we returned it to the manufacturer. Once we learned of the fraud, I began the process of filing FTC ID Theft Report, freezing credit, contacting Discover, etc ... .. Discover has been very difficult to deal with and here are the facts : A Discover representative informed me that the card was opened from a computer with IP address located in XXXX, TX on XX/XX/XXXX. I was out of the country from XX/XX/XXXX to XX/XX/XXXX, and sent flight documentation to Discover. 

A Discover representative informed of the address used on the application, and it was not even my current address. I moved out of the address in XXXX of XXXX, and the card was opened in XXXX of XXXX. I demonstrated my address to Discover with electricity bills and lease agreements, and they still won't accept the fact that I wasn't living there. 

A Discover representative informed me that someone called from XXXX to activate the card. That phone number was my parents phone number which they cancelled over 5 years ago and has had no association with my family ever since. In order to prove this, XXXX XXXX XXXX XXXX told us that we'd need a subpoena to collect records from that long ago. Discover has said they " matched me voice '' to this call, which is weird because I do not have any defining characteristics in my voice. I don't have a thick accent, and my voice is normal in every way. I do not understand how this would be strong evidence in any way. 

In addition, the fraudster opened a XXXX XXXX account in my name and spent approximately $ 3k. I provided the same documentation to XXXX and they dropped all charges quickly because they knew it couldn't have been me. 

I have consistently cooperated with Discover to resolve the issue and they have been very difficult to deal with. I am trying to buy a house and this issue has hurt my credit score by approximately 200 points! Very stressful and I have provided every piece of documentation I can without a court ordered subpoena. They are costing me time and money!!
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

My wife and I purchased a vehicle XXXX of XXXX. We made our first payment in time in XXXX, and then called Citizens Bank ( the loan holder ) to change the due date of our payment from the XXXX of each month to the XXXX of each month. I was assured the change was made, and my next payment wouldnt be due until XX/XX/XXXX. I just made my payment online, and I am still showing a due date of the XXXX and that I have missed a payment. Nobody at Citizens bank will even answer my phone calls. It is a complete scam of a company.
Consumer complaint received 2018-03-08
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. (OH)

I tried to switch my family phone service to XXXX and was told in store I could keep my phone. I bought phones for other family members but was assured that my XXXX XXXX which was fully owned by me could be transferred to XXXX. After more than a week of trying to transfer the line, working with the store manager and on up the chain, I was told by XXXX that my phone could not be transferred and that the store should not have told me it could be. I had already paid XXXX for new phones for my family, and paid for a week of their service, but XXXX then tried to bill me for a week of service on my phone, which was never operational on their network. I spoke with XXXX and was assured that they would waive this charge, considering I had already incurred significant expense for new phones that were not needed, switch fees, and the charge to switch back to my former carrier.
Consumer complaint received 2018-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with Trans Union already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX never applied for any account for business. The following addresses I do not live at and are not mine : 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, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX EYANT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.
Consumer complaint received 2022-05-02
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 (WI)

On XX/XX/2022 I received a letter in the mail stating my account ending in XXXX was being closed because of activity on another account. The problem is I still have a credit limit available on this particular card and I am experiencing identity theft. The very next day after the letter a website called XXXX asked me to apply for the credit card again because I am still having something called " good credit ''. I than applied for the card and was denied after the offer.
Consumer complaint received 2022-05-02
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

on XX/XX/2020, I called the creditor Nordstrom to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that Nordstrom never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company XXXX and settled to be paid, which cleared, and I received a born in full statement. Now Nordstrom is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of Nordstrom.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The financial institution claims they have no records of me having late payment reported to credit agencies and me eventually disputing the late payment. These accounts were closed ONLY AFTER I disputed late payments when I first opened these accounts over 4 years ago. These were then closed afterwards in retaliation to my dispute. I did not use the cards because I was waiting for the 'lates ' to fall off my credit report, which they never did despite remaining being present on my credit report for years after. Once the 'Lates ' were disputed, the financial institution took retaliatory action and closed my accounts.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I HAVE CONSTANTLY BEEN REACHING OUT TO EQUIFAX, XXXX  AND XXXX  REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE CONSTANTLY BEEN REACHING OUT TO XXXX, TRANSUNION AND XXXX  REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.
Consumer complaint received 2023-04-08
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-08
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: EQUIFAX, INC. (WA)

I have asked Equifax to provide copy of sign agreement, applications, and any other documents that show two accounts are being reported accurately. Equifax said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 

Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609 Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX and XXXX  Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609
Consumer complaint received 2020-06-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Greystone Alliance LLC (TX)

After making 3 years of good payments at the apartments XXXX I was living in # XXXX, just leaving the Dealership to pursue my event goals, and was upfront about not renewing my lease. After i moved out, cleaned and left the key for inspection, i moved XXXX. I noticed after i got into a new apartment for another couple of years i saw that there was a deragragoty on my credit. someone took my info, or the apartments may have thought is was me and charged me for a couple months remaining? i would have never broken my lease by 1 month..
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/18 my wife and I went to the Bank of America teller to make several deposits into our checking account from savings bonds ( around {$2600.00} ). When we returned home I logged into the mobile banking app and saw that there was a withdrawal for {$1200.00} cash in the account made at the BOA teller window. 
Bank of America directed me to open a check fraud claim- which i did. 
In the days that followed I also filed a police report with the local PD. 
The bank said it would take 60 days to investigate. at the end of that 60 days they denied my claim stating that my wife authorized the withdrawal. ( she was logged into our account making the deposits ). 
I asked that the Bank elevate and review the investigation because i can grantee that my wife did not get any cash that day and the security cameras at the bank will prove that. 

Police report attached.
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days
Consumer complaint received 2023-03-19
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: Waypoint Resource Group, LLC (GA)

I have paid this account off in full. I have also reached out to the original account holder XXXX and sent proof of pay off to them. I was able to pay off the account and open a completely new account now They are refusing to remove the account from my credit.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

S L S is attempting to foreclose with a fraudulent assignment. My loanWas originated with XXXX  XXXX XXXX  the loan is toxic and was And was a part of the XXXX  XXXX settlement that I have asked for proof of claim I have also submitted QWR. Neither XXXX XXXX or S L S have responded to my concerns are disputes. The assignment was created after the cutoff date of the trust which is found in sections 201 of the trust Nc2 2006 -NC2 for XXXX XXXX XXXX XXXX is serving as Trustee. This same trust as been before the courts many times for mortgage fraud and wrongful foreclosure.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Equifax credit reporting agency is not reporting my XXXX credit card account which has a zero  balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.