davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. I have not received any verification of debt or reply. company violated the cease and desist by reporting to credit bureau without providing me written proof as requested. i have not received any proof of debt of signed document by me that validates the debt and its been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove this negative account from all bureaus IMMEDIATELY! will be looking to file suit and complaints with FTC because my rights and livellhood has been affected by their actions.
Consumer complaint received 2022-04-30
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: Possible Financial Inc (TN)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : POSSIBLEFINA XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NY)

THIS IS A NEW ISSUE AND COMPLAINT AGAINST WELL FARGO. My car was totaled and the insurance company paid Wells Fargo the insurance reimbursement. I then was left with a XXXX balance on the loan with $ 570 monthly payments ( attached statement ). This all happened during Covid19 crisis and during this process I lost clients and my income was cut in half. It tried working with them on several occasions to reduce the monthly payments and they refused. They offered no Covid19 payment options and also said they weren't offering any re-financing options. I filed a complain with you/CFPB and a representative replied they would work with me and call them. I called and they still refused to work with me on any type of payment plan or refinancing options. I then received a letter in the mail ( attached ) that said I had to pay the entire balance immediately and have posted two late payment credit reporting which has brought my score way down and is severely hurting me. I'm requesting an investigation at this point as I do not know what to do as they falsely saying they will work with me. At this point I may have file bankruptcy and need help.
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unprofessional and needs to be resolved ASAP!
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credits, Incorporated (OR)

Preferred property tried to charge me {$4000.00} for a broken window and I argued the cost down to {$400.00}, paid it and left the unit. I am now hearing that I am being charged over {$4600.00} by a company that claims to have bought the debt, I asked for proof and they immediately sued me without providing proof. I did not receive notice that I was being sued and was defaulted against. 

The company suing me and is named Credits , Incorporated - based in XXXX, Oregon.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NY)

I have redeemed my cash rewards on a TD credit card twice recently into a savings account outside of TD. Both times the money was deposited into the account and reversed that same day. However, the rewards were not credited back to my rewards balance on the account. The date of the first occurrence was on XXXX XXXX 2024 and the second on XXXX XXXX 2024. 
After the first occurrence I spoke to TD on the phone and after a lengthy process they finally informed that it would be all resolved. However, unfortunately that did not happen.
Consumer complaint received 2022-04-30
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)

Upon reviewing my credit file, incorrect information was found in my report. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

I XXXX XXXX never enter into any consumer credit transaction with CAPIO for them to have obtain my personal information. Pursuant 15 usc 1692 ( a ) this infringement upon my consumer 's right to privacy. By CAPIO obtaining my personal information without my consent CAPIO have committed fraud and identity thief. Furnishing this allege debt to my consumer report CAPIO have damaged my reputation pursuant to 15 usc 1692 ( d ). Now I can't do business with anybody else due to the allege debt CAPIO reporting to my consumer reports.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

My monthly payment is {$42.00}, Since the debt was made, I have paid over the monthly payment in the amount of {$10000.00} per month. The last payment was charged a late fee of {$28.00}. There can not be a late fee if I am ahead on my monthly payments. How can I be late with a {$42.00} payment when for the total Time I had the loan, I have more than doubled the monthly payment? The card Company is Lowes/Sysnchrony Bank, XXXX XXXX XXXX, XXXX ga. XXXX. Phone, XXXX XXXX XXXX. My acct. number XXXX.
Consumer complaint received 2020-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020, I established a settlement amount with Midland Credit Management to pay off my debt for a lower balance of {$1900.00}. This settled and closed my debt. Today on XX/XX/2020, I received lawsuit papers at my old address stating that they were suing me due to not paying the debt. However this paper was dated on XX/XX/2020. 

I have both bank statements, proof of closed debt account on their website and a new settlement amount confirmation sent by Midland Company. 

I am unsure what to do about the lawsuit, I dont want to pay for a lawyer to defend a debt that is already paid.
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am homeless. I am trying to get my life back on track. I had an outstanding balance with Capital One. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.
Consumer complaint received 2019-11-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to TransUnion ( see dispute number : XXXX ) in reference to an unverified account on my credit file and I have not received a response.
Consumer complaint received 2022-04-30
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)

Upon reviewing my credit file, incorrect information was found in my report. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is incorrectly reporting a record from XXXX XXXX. This has been disputed several times and is now past 7 years but it is still reporting. If this is not resolved, I will seek legal action.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Applied at Bass Pro Shop.Capital One. was turned down. got reason for rejection as they wanted proof of income-Sent them signed XXXX page of tax return showing over $ XXXX in income. Never heard from them. Called and they acknowledged received it but was not good enough for them- never initialed another rejection. My score in both major bureaus is over XXXX. XXXX closed prior paid Cap 1 accounts all paid as agreed. I have other credit cards. I found the process illegal and discriminatory-I am XXXX and highly XXXX. How many other customers are they requesting proof of income. Its not like I was requesting a multi XXXX limit. I have plently of pre approved offers thru XXXX XXXX. 
I just wanted one for the sporting goods store logo if you will and would use it to get points when I shop at Bass Pro/Cabela 's . The inquiry hit my credit report on XX/XX/2022. I tried to work it thru Cap 1 but to no avail. Please help.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (GA)

I had a XXXX XXXX XXXX XXXX XXXX and Goldman Sachs bought the debt and rights for the XXXX XXXX XXXX. I was never notified that such a change was going to happen until I received a call on XX/XX/2022, from Goldman Sachs. Stating that my payment was 30 days past due. When I told them I didnt have a card with Goldman Sachs XXXX they told me that I did and told me it was my XXXX XXXX Credit Card XXXX As soon as he verified my name and phone number, he then realized I was never sent a Goldman Sachs card. I then immediately went on and created an account on their app and set up automatic payments and paid the past due amount that day. Due to the failure to notify me of the change of my account from XXXX XXXXXXXX to Goldman Sachs my perfect record of the XXXX XXXX Credit Card account was lost.
Consumer complaint received 2018-02-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (TN)

I applied for a FHA mortgage from Guild Mortgage for a manufactured home because the other company that approved me for a loan would not give loan for manufactured home. My realtor told me I could get a loan for manufactured home through Guild. I applied, sent all paperwork they requested. They then asked why my XXXX  payments did not show on my checking account. I told them I had a representative payee and my XXXX  payments go to our account with both our names on it and she transfers money to my account as needed after all bills are paid. They wanted the paperwork stating that I had a representative payee. I sent that. They already had my last 2 yrs taxes, benefit statements. They then said that the XXXX   benefits was my representatives income and not mine. I told them they were wrong. Sent them the social security act that states what a representative payee is and how it works and that the income was mine. They said they would send it to an underwriter and get back to me. I informed them they were wrong and that I would seek representation because I felt they were discriminatory towards me because of my XXXX and that my income was XXXX payments. That upset them and sent my complaint higher up the chain. I was sent an email stating they would look into the matter and get back to me within 30 days. Well, the house I want might be gone in thirty days. This process has already gone on for 2 weeks. Now I am Afraid to contact other lenders because this might happen again and I don't want my credit to keep getting checked cause that messes with score. I also will not find another house any time soon that fits our requirements and for an outstanding price I can afford.
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I have been paying steadily on my student loans for 4 years now ( never missed a payment, I am now XXXX ) via auto-pay. The Fall 2019, I went back to school XXXX. 
Nelnet ( without my authorization or knowledge ) automatically placed my loans in Deferment and I haven't been paying on them for 5 months. I do not check my nelnet account often -- as I've always had auto-pay and have never had to think about it. 
They collected about {$100.00} in interest ( I realize this is minimal ... but its about principle, not the amount I'd like to recover ) during this time while I was unaware of my deferment status. 
After contacting them, they essentially said 'too bad, there is nothing we can do '. 

They put me in deferment, without ANY authorization of any kind, and didn't notify me of this change ( mail or email ). What absolute shady " company '' can legally do this, make money off of me without my knowledge, and then have ZERO accountability?
Consumer complaint received 2021-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (SC)

Presented to XXXX hospital as directed by health dept for covid testing XX/XX/2020. There were no tests but based on symptoms that were still unclear and not uniform for most of the public, I was deemed not to have covid based upon my reply to the question whether I had contact with and infected person. Since there was no testing, I'm not sure how I would know that so my answer was how would I know if I was exposed as no testing is available. 

The physician stated that i do not have covid but stated he could give me a XXXX XXXX for what I assumed was a diagnostic test to determine if XXXX had signs of XXXX XXXX. 

I was later billed for the testing, that I understood to be covered by the cares act. I was told ( despite my medical records ) that i did not present for covid testing so I am liable for the cost of the visit. I was financially blackmailed until I paid a lesser amount and was avised that this reporting would be removed from my credit report. once paid, i got a receipt but they refused to remove the acct from my bureau report.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC. (GA)

Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

A credit card was taken with a credit limit of {$12000.00}. 
After months of using the card and developing a balance of around {$5400.00}, the card was stopped being used, as the card was at a 44 % usage limit, and we did not want the cards usage limit to affect our credit scores by maxing it out and showing irresponsibility. 
I logged onto my credit card app to pay the bill, and I noticed the card company had lowered the credit limit to {$5500.00}. Leaving me a credit limit of only {$100.00}, and essentially forcing the usage limit to now 100 %, causing a nose-dive in my credit score. There was no notification that the limit on my card was being lowered. No letter, no notification, no communication from the credit card company. No bills have ever been missed or unpaid. This is not allowable. Credit card companies are not allowed to perform actions that cause bad credit on customers who have never defaulted on their payments. If you offer me a card with a specific credit limit, it is my choice how that credit gets used, as it was also my choice to participate in accepting the credit card. This action is going to hurt my credit score and prevent further use of my credit rating to aquire future credit. Changing my credit card limit without any notification to automatically max out my credit card when I specifically chose to keep it at 44 % usage is not legal.
Consumer complaint received 2022-04-30
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. (OH)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an 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 the records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was alerted Friday morning ( XX/XX/22 ) from TransUnion of a lender trying to run my credit that I did not authorize let alone apply to. I've been XXXX for almost XXXX XXXX years now and not able to work. I've had my credit reports frozen all this time for that reason alone. Up until last month I decided to try unfreeze my TransUnion account because I've finally started receiving social security. 

Guess I thought wrong because this happened. Turns out the lender that tried running my credit and took me down XXXX pts is XXXX  XXXX ... .a company I've had years ago and closed out with and am done with. Bottom line is I'm really not happy about this because I've worked hard to get out of debt after being screwed over in the past by another person i thought i could trust and I'm not about to have this stop how far I've come now all because i tried to get things back on track for myself. 

Someone has to ruin it for me somehow ... ..I just would like to have some help getting this fixed please!! I'm begging you I'm in need of help to reverse what's been done please and get my credit score fixed?!? Thank you for your time it'd be greatly appreciated.