davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Avant Credit Corporation (MI)

I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.
Consumer complaint received 2021-03-02
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. (MI)

On XX/XX/2021, I made payments of {$300.00} and {$25.00}, and on XX/XX/2021, a payment of {$10.00} to XXXX XXXX XXXX. These payments have not been reported to XXXX and XXXX. I spoke with a representative named, XXXX and he told me that XXXX has not updated the credit balance of my loan with nor have they reported the correct balance of my visa account. This has hurt my credit score immensely and when I spoke with XXXX, the agent did not appear to care or have any good knowledge. I told him that the bad reporting is hurting my chances of getting employment and he did not care. I think it is wrong that they fail to report the correct information and it affects my score tremendously and means of gaining employment.
Consumer complaint received 2019-06-02
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. (AZ)

The following XXXX XXXX XXXX XXXX credit card account listed on my Trans Union, XXXX and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa   Signature credit card : # XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX. The amount on the Macys XXXX XXXX Account is {$610000.00}. 
Macys was contacted in XXXX that the purchases were fraudalant. The account was closed. For months the account was being investigated and Macys was charging interest fees and late fees. I never received a letter about the investigation or the outcome. Every week I Called speaking to a different person being informed the account was still under investigation. Macys was withholding important information because I was informed there were two individuals given a credit card under my account which I never authorized. Macys refused to give me the names of the individuals that were given the credit card. This amount was placed on my credit report ruining my credit.
Consumer complaint received 2021-11-03
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: William D. Meeker Enterprises, Inc. (NC)

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2021-11-03
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. (MI)

The original amount is {$180000.00} and the balance is {$70000.00}. I've included a screenshot of my account to show the balance and original amount awarded. I have tried to dispute it with the credit bureaus but they claim this information is not new while that is true they keep changing it to reflect negatively.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This vehicle was sold at auction and sold for more than the amount owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and therefore there is nothing to collect/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

Just got off of Forbearance, and mortgage company was adding extra fees for unexplainable reason, which i believe i am being taken advantage for their possible losses in their revenue.. 
Spoke to 2 different reps, and the first one i spoke to took my payment on XXXX, for 7 months, that i owed for being on forbearance, and told me that all i owed was for the fees, in which i told her i would pay those on XXXX. On that date, I went to the web site to make a payment, and notice and extra XXXX dollars added, when all i was told that, the payment was for the fees only, when on XXXX the payment, on the web site on that day read the 7 months payment due XXXX So i get on the web site on XXXX, and their is an additional XXXX dollars added, with a due date of XXXX The 2nd rep wanted to add an additional XXXX more for fees to the already XXXX dollar added amount on top of the fees that i had agreed to pay with the first rep on XXXX My complaint is the fees that am continuing to pay ; i feel are for their benefit and not mine.. I understand i was struggling to make payment for a while, but with fees for this and fees for that, how is a family going to make the correct payment if the amount on the web site is not the correct amount due hidden fees, which in then i get hit with a late fee because the right amount was wrong on the web site..This mortgage company took over my previous mortgage company ( Seterus Inc ) which i filled a complaint with them for Breach of my information..
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (FL)

My previous apartment complex XXXX XXXX XXXX located in XXXX XXXX Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of XXXX dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so.
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

While waiting for pending ( echeck ) transactions to clear, on the dates, XX/XX/2023 for {$200.00}, XX/XX/2023 for {$95.00} and XX/XX/2023 ( two transactions ) for {$100.00} and {$50.00}, PayPal permanently limited/closed my account. I contacted PayPal support via messenger and phone. Spoke to multiple representatives and a manager. I was not able to get an explanation as to what activity in my account caused them to close my account and hold my money. They informed me that they can not disclose the reason. Attached is the messages Via PayPal App. I have read through the Legal Agreements and I do not believe I used the services wrongfully. I've only received money from my sister and my cousin. I used my PayPal debit card for " normal '' shopping at supermarkets, paying bills, public transportation. As well as transferred money to my own personal accounts ( paying all fees that apply ). The Legal Agreement states that funds are held incase there are any charge backs or unpaid balances. If they are monitoring the account they can see that I do not have any transactions that would cause a charge back and being that I have {$450.00} being held, I do not have an overdrawn or unpaid balance. As well as me not being a Seller that utilizes a business account.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The company XXXX XXXX  is reporting late payments every single month on an account that has been closed. I have reason to believe this company has an intent to charge this account off of speedily. I noticed they notated XX/XX/2024 as " 90 days '' past due and the month XX/XX/2024 as 150 days past due. These behaviors are violations of the Fair Credit Reporting Act per 15 USC 1681s-2. Past due payments reflecting from " 60, 90, 150 '' days past due are not supposed to be reporting while an account is closed. XXXXXXXX XXXX is reporting this information as if the account is still open. This is both fraudulent and malicious. The account is closed but also does not report a " CLS '' notation in the payment summary that will correctly indicate the account being closed. It just continues to report late each month eventually leading into " charged off '' status. XXXX XXXX appears to be reporting an inaccurate account with actual knowledge of errors. I believe they're furnishing this inaccurate information to my consumer report intentionally. XXXXXXXX XXXX is reporting this information unfairly and illegally. Please see supporting documents attached to this complaint.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 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 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My bank account with bank of america was closed, Due to a bank account compromise with someone tried to make a bank deposit in to my bank account of {$1300.00} dollars for an unemployment benefit payment and my bank account was closed and the bank account compromise is reflected and is showing on my credit report files and I am unable to open any type of new bank accounts at following banking institutions. 

I wrote a letter to The XXXX credit bureau services and they sent a letter to me which stated that they contacted the crediting agency which is bank of america and they demanded them to remove the bank compromised status from my credit report and the process should be completed within 30 days. 

The 30 day conclusion period is drawing near and I want to be sure that this credit report compromise is being resolved and investigated.
Consumer complaint received 2019-06-02
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: Experian Information Solutions Inc. (AZ)

The following XXXX AZ XXXX XXXX credit card account listed on my XXXX XXXX, Experian and XXXX credit report is lost/stolen and has numerous fraudulent charges on the following Visa Signature credit card : XXXX XXXX, My card is lost/stolen and has fraudulent charges/transactions on the account.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX an unauthorized draft of XXXX was debited to my checking account, without my authorization. XXXX and I declined overdraft protection 2 years ago with XXXX XXXX XXXX  branch location on XXXX across from the XXXX XXXX  XXXX The merchant that debited my account had been given another payment method with a credit card, even though they tried to draft the amount ; it should have been declined. I have repeatedly had this problem with Capital One a few times before. When I talked to Customer Service at Capital One on the XXXX, the CSR said that she had to file a claim. I told her that it was the bank 's error, and that I should not have to file a claim. So, today XX/XX/XXXX, they have added an NSF fee of {$35.00} to my account after I talked to them yesterday. Please help me, they assured me a few months ago that nothing would be debited from my account if there were not funds available. I have called the company that sent the transaction an informed them that it was unauthorized, and that the charges will be reversed. When I made the payment to the business, I told them that it was a one-time payment, and I called them with a new credit card number last week and gave then the new information.. I called them again today ; the business that made the draft. Banks use overdraft protection to get fees from the customers. I will load a prepaid card from now on, and I will not give out my checking account numbers. My account number with Capital One is  XXXX.
Consumer complaint received 2019-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Once I started to repay my student loans I contacted to discuss options for loan repayment. I was told I qualified for a public service loan forgiveness so I was paying an amount based on my income. I am a XXXX XXXX working for a XXXX XXXX and XXXX. They said that I qualified and had to fill out a paper. I took all the steps I had to to get approved. I even paid {$600.00} to consolidate. Each year I renewed this. For 3-4 years I was making substantially less than my minimum because I was told that after X amount of payments the rest would be forgiven. each year I would speak with someone and re new this public service loan forgiveness plan but I was told something different pretty much every time and know one at Navient could tell me why I was told X. I kept getting the run around but assured that this was the best repayment plan for me. Well I dont qualify for forgiveness plan So here I am 6 years from graduation date and start of my repayment and could be a lot further ahead on my loans than I am all because of false information I was given by the company that handles a large amount of money for me!!! I am basically starting now paying what I shouldve been for the past 6 years! I could be more than half way done but instead Im basically starting fresh and have had 6 more years of interest accrued.
Consumer complaint received 2018-06-28
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. (TN)

1 ). On XX/XX/XXXX, I sent my first round of dispute letters to XXXX  Credit Bureau, TransUnion LLC and XXXX Credit Bureau, which was my stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. By the FTC, ( Federal Trade Commission ) rules and regulations, all three bureaus had 30 days to delete all fraudulent information from my credit report. 
2 ). On XX/XX/XXXX, I sent three stamped Identity Theft Victim 's Complaint and Affidavit, which also had my stamped police report. A letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, a letter to TransUnion LLC, by XXXX. Postal Service Certified Mail Number XXXX XXXX XXXX XXXX XXXX, and a letter to XXXX Credit Bureau, by XXXX. Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. These were my first round of dispute letters, for which XXXX Credit Bureau was supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$3600.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1200.00}. collection, account number XXXX, opened on XX/XX/XXXX, with a balance of {$160.00}. My first round of letters for TransUnion LLC, which they were suppose to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. And my first round of letters for XXXX Credit Bureau, which they were supposed to remove : XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$36000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$33000.00}. XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$31000.00}. XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$410.00}. 
3 ). XXXX Credit Bureau, TransUnion LLC and XXXX   Credit Bureau had 30 days by the FTC, ( Federal Trade Commission ) to remove fraudulent information on the first round of letters ( The stamped Identity Theft Report, and my stamped police report, and XXXX ).
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc. (OH)

XXXX from XXXX XXXX XXXX XXXX ( XXXX ) or ( XXXX ext XXXX ) called me at work and told security it was an emergency and then told XXXX XXXX it was an emergency and they were coming to serve me at work today at XXXX. Because of this I was suspended for the rest of the day because it was not an emergency. When I called back was told that they could call me at work anytime, because I supplied my phone number. The lady was very argumentative. Did not even get to discuss what the debt was for. The XXXX XXXX department even has a voice mail where XXXX is stating they will be at my job to serve me.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

At this time, I respectfully request a copy of my Experian,XX/XX/XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (WI)

Please combine this with XXXX or delete that complaint so citi is not getting XXXX complaints for this. I am not able to update XXXX so I 'm filing a 2nd complaint. 
I realized the issue, it turns out there was an unauthorized transaction from my checking account and the electronic payment of {$1300.00} that I submitted XXXX/XXXX/16 was then returned. 
I will say the fee description of returned check is confusing, I did n't send a " check '' that was returned. Also, I read through the terms and conditions again and no where does it say when making a payment that you 'll submit the payment numerous times if it does not clear. I have {$90.00} in fees from my bank because you 've already submitted it 3 times. That is clearly misleading and even if you sneak the ability to attempt to pull the payment over and over again into other disclaimer language somewhere, it 's certainly not provided when making a payment. Hence, I did not expressly authorize it. XXXX concern? I think so.