davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
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. (IN)

XX/XX/21 : Transunion subtracts 3 from an erroneous reporting that should have read {$0.00} ; account reads {$5.00} to {$12.00} balance XXXX both false, more on this later ) XX/XX/21 : Transunion subtracts 1 from an unspecified reason ; both occasions occurring after a formal dispute is filed and a subsequent complaint here regarding XXXX XXXX  XX/XX/21 : Transunion adds 12 to score. However this is a net 8 due to the previous actions. However another issue occurs with another erroneously reported account on collections that was literally paid in full the same day as the XXXX XXXX account XX/XX/21 : Transunion drops score 4 due to the balance going from {$12.00} to {$5.00}. Not only is this erroneous but this actually shows a positive act. This is the error mentioned for XX/XX/21 above. I literally am punished for an error, for a increase for said error and then a decrease in said error. Cant make this up if I tried. Thank XXXX for technology and screenshots XX/XX/21 : Transunion adds 4 to score. Im back where I started but not really because of the previous errors XX/XX/21 : Transunion drops my score by 15. Why? Because accounts actually were paid on timecredit utilization decreased and the same account were erroneously reported with {$7.00}, it is literally {$0.00} and has been for amount XXXX months. Transunion must have removed the add button in this reporting. A bank card also was not removed ; that actually is a paid in full XXXX that I purchased and paid well ahead of the due date. 

I always have reporting issues with Transunion. I have filed disputes with them and here to no avail with Transunion. XXXX and XXXX  are not perfect but both have corrected errors and adjusted scores properly. Transunion is the bureau consistently reporting errors and not adjust my score in good faith.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

A company calle Venmo  apparently allows people to set up accounts with anyones debit card. 
My checking account had XXXX withdrawn from it due to Venmo. I have never and will never open an account with Venmo and I would like to know how they allowed someone to open an account without verifying the card with the bank? 
The money was withdrawn from my account on XX/XX/2019 while I was in Mississippi. The Venmo   transaction took place in New York. 
My bank is now seeking legal means to resolve this issue.
Consumer complaint received 2018-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Higher Level Processing (IL)

Hello, I got your information on the Federal Student Loan site. I saw information that stated you shouldn't be paying another party for servicing your loan so I clicked and was taken here. I don't think the problem is with the school, it's with the party that contacted me about having my loans transferred to XXXX XXXX from XXXX and then I would pay them a fee of {$29.00} a month. 

The company is XXXX XXXX XXXX XXXX based out of California. Please let me no what I can provide. If this is a scam, I'd like to get out of it. 

XXXX
Consumer complaint received 2020-09-19
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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have  received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2018-06-08
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. (MT)

I keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is XXXX  going to be held liable for reporting false information?
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas XXXX, Transunion and XXXX. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold XXXX hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Consumer complaint received 2021-07-08
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 (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, XXXX of 2018 they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-07-08
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. (GA)

Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY XXXX INQUIRES THAT I AUTHORIZED XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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. (CA)

This problem is with XXXX and Equifax. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (SC)

This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

In XX/XX/XXXX, I have entered into a debt management program with XXXX ( XXXX ). In order for me to participate in the Debt Management Program, I had to close my Discover Card Account. Discover received a proposal in XX/XX/XXXX and it was rejected by Discover on  XX/XX/XXXX due to needing an increase in payment. Discover then reconvened and with my approval, XXXX sent a new proposal to Discover with the increased payment amount on XX/XX/XXXX, which was approved by Discover on XX/XX/XXXX. During that time frame, Discover was informed that the payment goes on a cycle, and if dropped from the program for non-payment, the client was supposed to receive notice of the drop. In addition, when the payment is received by XXXX, they pay it out to the creditors. Due to Discover 's processing times, the payment would be processed later. 
I was contacted by Discover several times. Each time, I had to make a payment arrangement with them. Discover also informed me that they never received a proposal from XXXX, although they did. Discover has a copy of the proposal. 
During that time, I was reported late in XXXX, XXXX, and XXXX of XXXX. Discover contacted me to XXXX payment arrangements so that the account is not reported negative. Although I made the timely payments, I was still reported late, and it damaged my credit.
Consumer complaint received 2019-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

The information below is from my credit report that this company just put on my report last month. I have spoke to two different representatives letting them know I am a victim of Identity theft and never had an account with them LVNV FUNDING LLC or XXXX  XXXX who they said they bought the debt from. 

I was never contacted by this company before they put this account on my credit report and I was told by the senior representative on XX/XX/XXXX that they don't have time to call every person to validate the debt before having it put on a persons credit report when they purchase the debt. She stated this debt was from sometime in XXXX. 

I gave them another 24 hours to have this removed from my credit report. As this is a result of identity theft and they were informed of this several times. 

Also I did not sign any type of agreements with this company or any that they claim to have purchased the debt from. 

My rights as a consumer have been violated because I was not given the opportunity to dispute this debt before they put this on my credit report. 

This is the 3rd time I have spoken to someone from this company as of today XX/XX/XXXX. 


Account Details Bureau Name LVNV FUNDING LLC Original Lender 10 XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$360.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX-XXXX Remarks
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

Cavalry Portfolio Services its being reporting a debt I dont own! To the three credit report agencies XXXX, XXXX and XXXX  When asked for contract proof with my signature every time I received nothing just came back verified but not proof that in fact the debt is mine am been disputing this collection since XX/XX/2019 and every time I dispute it the dont send me any proof and keep reporting to the credit bureaus I want the outcome of this to be deleted from all three mayor credit bureaus above as what this company is been doing is affecting my credit that am trying or in the process to buy a house!
Consumer complaint received 2022-04-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX - Equifax. I have been challenging this account with the company XX/XX/2022, upon challenging this XXXX has deleted the account based on the lack of ability to properly verify all reported information being accurate. To my understanding the creditor reports the same information to all bureaus per FCRA. If this is true I am requesting information used to verify this account in writing. However Ive have sent disputes, and Equifax keep updating the accounts and not sending me proof to verify the debt. I sent a complaint to CFPB about this same company back XX/XX/2022 and Equifax said they will handle the account still not verifying the account per dispute they sent in the mail. Also Equifax aren't reporting accurate information on this account, So how can they say they have finish their investigation with wrong information from. THIS IS A VIOLATION.
Consumer complaint received 2018-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIBANK, N.A. ()

I took a student loan on XX/XX/XXXX with Citibank for an XXXX. in XXXX XXXX University. The total amount of the loan was US {$40000.00}. 

After I graduated in XX/XX/XXXX, I returned from NY to XXXX, XXXX, where I currently live. I do not have a bank account in the US. Thus, I made my monthly payments to Citibank with my XXXX  Visa credit card. 

The loan was sold to a company called XXXX XXXX and XXXX XXXX does not receive payments by credit cards ; I do not have a US checking account, XXXX does not work for XXXX, etc. In sum, I was not being able to make my payments. 

In XX/XX/XXXX I sent an e-mail to XXXX asking how to make a payment and explaining the situation. On XX/XX/XXXX I received this response : " We apologize for any inconvenience this may cause you. After review of the account, it has been referred to collections. International borrowers can call XXXX to inquire the next steps. '' I called collections various times and left messages. I also sent another e-mail to XXXX explaining that I was not able to contact collections. Finally, I was able to obtain from collections the wire transfer data in order to send payments. 

On XX/XX/XXXX I wire transfered US {$4800.00}. I informed XXXX. XXXX, however, says they do not have a way of confirming that the money has been received. Collections said on XX/XX/XXXX ( approx. ) that they have not received the transfer ; that it may take a couple more days, and that they will inform me as soon as the money was received ( I gave them my e-mail address, but, although I requested it, they did not give me any e-mail address ). 

Neither XXXX ( despite various e-mails asking the balance, requesting an e-mail for collections and asking which is the authority that oversees collections ) nor collections ( in the phone numbers provided ) have been able to give me an e-mail for collections in order to forward proof of the transfer. 

In sum, I do not know which is the balance, and I will not make further payments until I receive confirmation that the US {$4800.00} were indeed received.
Consumer complaint received 2023-02-14
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. (TX)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Recently there were some things added to my Transunion credit report that I did not recognize. I called the Transunion to report the problem and instead of the customer service rep helping me they decided to argue with me about the situation and how I should be more responsible with my credit and that I am going to die with bad credit. I asked how can some inquires that were removed from my credit report show up back on my credit report with my knowledge. I explained to the rep that I had not applied for a car loan in XXXX or XXXX of last year and that there were some other inquires on there that were not mine. I recently found that someone was using my that lived in XXXX XXXX Indiana because of an address that popped up on my credit report that I had removed. These are the inquires that are not mind and I would like them re-removed from my transunion account. I worked very hard and long with all these companies below to have all their inquiries removed off of my credit report. It is not fair to me that they have been added back. All of these inquires below are unauthorized inquires and I would like the re-removed from my credit report. 

XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Zachter PLLC (TX)

I tried to contact XXXX XXXX on issue and reached out to XXXX Zachter Law Office in response to liens placed on several accounts. Since its on a recorded line the staff from paralegal to further representative were disrespectful to me multiple times. I asked how to pay, can I pay over the phone and told by the staff I was rambling/disrespectful. I wanted to get clarity on when this had gone to court, Why was I not appropriately served, and I did not wave my right to a NEW YORK court when XXXX funding is located in Florida. I will be reaching out to the New York XXXX XXXX XXXX XXXX XXXX and many others to stop the unlawful liens, court dates I was not notified of, and illegal activities of the Zachter Law Office staff.