davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, Consumer Financial Planning Board complaints are XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report TransUnion willingly continues to participate in XXXX fraudulent scheme. 

Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX . If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. TransUnion respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

TransUnion has been repeatedly advised to request of XXXX XXXX XXXX XXXX its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : XXXX XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX  XXXX XXXX TransUnion please provide a copy of the XX/XX/XXXX letter and stop participating in XXXX XXXX reporting FRAUD.
Consumer complaint received 2021-02-13
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. (TX)

I have filed multiple complaints since 2017 regarding theft and fraud. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. However, I only receive " feel good form letter '' that don't accomplish anything. See last two replies from XXXX  and Transunion. I have filed affidavits and sheriff 's report. XXXX and Transunion send information and complaints to the furnsihers who in turn deny everything without investigating. I have sent information time and time again and then when I call they don't know what I am talking about.
Consumer complaint received 2018-07-27
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: Experian Information Solutions Inc. (CA)

RE : Hard Inquiry/Unverified on my behave. 
I recently checked my credit reports with Experian, XXXX, XXXX. 
I have a Hard Inquiry from company : XXXX Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to Experian Dispute center and to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX have not yet received any return correspondence, at XXXX neither companies.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from my credit file.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was expecting my unemployment edd card from BANK OF AMERICA. At the time my neighborhood was expecting mail theft. So called the bank yo get a estimate on when I would receive my card.I was told that the card was already sent out. I stated that I hadn't received the card. I was then told not to worry they would send me another card expedited service. 2 days later I received my card. After I activated it the recording said my balance was XXXX. My card was suppose to have a little over XXXX on it, I explained this to the customer service. I was told that I would receive a call back .That was on the XXXX of XXXX. I called back 3 days later and explained again my situation again i was told I would receive a call back. Never got a call back so I called back around a week later after a XXXX XXXX hour wait time I was connected to the claim dept. and after I again explained my problem she looked over my account and said there was XXXX dollars in charges. She told me to fax in a statement saying that I never received my card and that I didn't make any of those charges, and that I was not in the State of Texas using my atm card. I did so the followin morning. After 3 more days of waiting for a responce wich then made it 19 days from my first call i called again and didnt get no information on my claim. im getting no calls back from them either,
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company portfolio recovery solutions has debt that has been paid off and has been removed from my credit they continue to call and harass me calling after XXXX and before XXXX XXXX and I have repeatedly told them to stop. They continue anyway. Most recent phone call was today XXXX at XXXX
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NE)

I used PayPal to purchase an annual subscription to XXXX in transaction ID XXXX for {$60.00} to XXXX for XXXX XXXX. I reached out to the seller who said they updated their application on my XXXX XXXX. and due to a technical issue on their end my account could no longer be accessed. In an email, which I shared with PayPal, they advised me to cancel and start over. On XX/XX/2020 I opened dispute Case ID : XXXX for Item not received. 

Since then I have had numerous phone conversations with PayPal and been repeated asked for supporting information as the buyer which I have provided. The seller has not been asked to provide information or respond to the case. This is clearly an item not received dispute which should have resulted in a full refund as advertised by the seller and with no seller response to the Case. This has gone way beyond any reasonable timeframe for a refund and I fully expect PayPal to comply with the seller 's instructions to me and cancel the transaction.
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

My child was seen at a hospital XXXX  XXXX XXXX XXXX in XXXX he was seen numerous times before. My son had insurance XXXX and I have proof that he was insured. The hospital did not bill his insurance even after I called with information when they tried to bill me privately. Instead they sold my information to bill collectors and did not resolve. I have disputed multiple companies that are trying to collect this charge and now I have two companies on my report for the same thing. This should have been dropped from my report. I should have filed a grievance thru my insurance and maybe they would have been forced to bill my sons insurance and therefore I wouldnt be dealing with harassment from XXXX agency XXXX XXXX  XXXX. COMMONWEALTH FINANCIAL OPENED TWO COLLECTIONS AGAINST ME.
Consumer complaint received 2021-05-27
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 receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified. 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 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (PA)

I have had my loan open less then 2 months only had 1 payment due during this time. The first payment I made of XXXX on my account through the finance app provide from the finance company I choose the selection to apply to amount financed which also a payment was not due at the time making this an additional payment. The bank took interest out of that payment and refuses to reallocate the funds to where they were suppose to go. My current payment is {$570.00} I made my first monthly payment of {$1000.00} dollars almost doubling my first monthly payment had no issue with that cause I know finance charges must come out of the monthly normal payment. 5-6 days later I went back on the same finance application to pay another {$240.00} towards my principal I called the bank before hand to make sure it would be a PRINCIPAL ONLY PAYMENT. The rep assured me that is correct a PRINCIPAL ONLY PAYMENT NO INTEREST TAKEN OUT. Well the payment was finally adjusted on my finance and for the second time theyve taken interest out of my PRINCIPAL ONLY payment. They refuse to reallocate the money. What do I do??
Consumer complaint received 2018-07-28
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: Ad Astra Recovery Services Inc (AZ)

I called the company a few weeks ago and asked them when they would stop reporting to credit bureaus and I was told that it would be removed once my bankruptcy has discharged. My bankruptcy has discharged and they are still reporting to the credit agency XXXX that the account is still open in collections.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-11-08
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (DE)

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXX XXXX XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX , proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXX XXXX XXXX case XXXX I attended this school from XXXX XXXX XXXX My debt with Navient for a now known fraudulent school is 6 figures.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CO)

I went to XXXX and my credit card information was stolen. This was not long after I have 4 issues with my debit card so I thought credit card was safer. On XX/XX/XXXX {$270.00} at XXXX and XX/XX/XXXX {$280.00} and XX/XX/XXXX {$130.00}. I was shocked that the bank wouldnt fix this since it was not me. I am guessing it has to do with my debit card getting stolen first and I had 4 fraud charges there and one in XX/XX/XXXX for XXXX I gave up on trying since I cant believe this was happening to me. I asked them what can I do and they said. I reported these charges that were not me to the bank and they said we will temporarily credit it and look into it. I just found the charges are now back on my card and I guess they denied my claim. I have not clue what to do next since it wasnt me and my information was obviously stolen. Wells Fargo claimed to be helpful but I am looking into changing banks now. Just hate feeling like I have to monitor my account daily for new fraud charges and this sucks I am afraid to use both my atm and credit card because of all this in fear I will just get more and more charges racked up and they will blame me.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2018-07-27
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. (CA)

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, XXXX, Transunion.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I contacted XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
Consumer complaint received 2017-12-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (WA)

I XXXX XXXX XXXX have been receiving debt collection letters for over a year now for a property that was awarded to my EX-WIFE in the divorce. she let it become repossessed and is refusing to pay the debt for the property which has now gone to collections. Since it was her as awarded by a judge in the divorce proceedings the debt is hers.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (TX)

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 1. XXXX XX/XX/XXXX 2.XXXX  XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX 4. XXXX  XXXX  XX/XX/XXXX 5. XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX 6. XXXX XXXX/XXXX  d XX/XX/XXXX 7. XXXX  XXXX XXXX  XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX  XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX  XXXX  XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XXXX  XXXX  XX/XX/XXXX 16. XXXX/XXXX  XXXX  XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is a written request for all information and documentation regrading this account Capital One Quick Sliver with ending in XXXX. 

This is a written demand for CAPITALONE request to the merchants and the supporting documents supplied by the merchants to support the charge back reversals on the following : XX/XX/XXXX Burberry -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$750.00} XX/XX/XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- {$570.00} XX/XX/XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- {$150.00} XX/XX/XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- -- -- -- -- {$130.00} On about I received a letter regarding case # XXXX from CapitalOne notifying me that an updated fraud case was credited back to my account on XX/XX/XXXX. The letter was voided of an additional page of the transactions. I have attached letters received from CapitalOne. XX/XX/XXXX thru XX/XX/XXXX. Total 13 pages. 

XX/XX/XXXX payment to Quicksilver One ending in XXXX of {$1500.00} by electronic transfer payment on the account made is not posted on the online credit account recorded XX/XX/XXXX, CapitalOne credit card Quicksilver One ending in XXXX has been restricted and closed without notifications to the card holder. 
XX/XX/XXXX, XXXX XXXX errored in charging {$47.00} for an unauthorized purchase seven days after the credit card ending in XXXX restriction and closed on XX/XX/XXXX. Card holder brought this to Capital Customer service rep and was told the charge would be removed. 


XX/XX/XXXX, thru XX/XX/XXXX, card holder made several calls to the customer service and fraud department. Card holder sought documentation and explanation of the charge back reversals. Card holder also sought information of the credit card account restrictions and closing. Card holder was given different versions of why the account was close. Some agents made statements that payments were not timely made so the account was closed. 

XX/XX/XXXX, card holder spoked to fraud dispute manager, XXXX XXXX, XXXX assured researches and documents sought to verified the charge reversals would be given to the card holder. That she would call back with her results in a few hours that day. Then stated no later than Monday XX/XX/XXXX. 

XXXX, XXXX card holder spoke to XXXX Id XXXX, who transferred cardholder to CapitalOne representee, XXXX Id XXXX, also reassured cardholder she sent a XXXX message to XXXX XXXX XXXX to contact the card holder. 

XX/XX/XXXX card holder received a letter stating that card holder is not responsible for the charges and that a new card would be sent out. In this letter there is no mention of the account being restricted or closed. 

Capital One Credit card refuse to disclose information to consumer on what was brought by consumer, Consumer did not make these charges
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery put a {$470.00} collection on my credit report claiming it's a debt from XXXX, I've contacted XXXX and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from XXXX, however I use them to make payments on the spot using my credit card on file.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.