davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act Convergent *Personal Name : XXXX XXXX XXXX XXXX. 
*Correct Address : XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX *Account Name : XXXX XXXX Account number : XXXX, *Account name : XXXX XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX XXXXXXXX, Account number : XXXX, *Account name : XXXX, Account number : XXXX, *Account name : XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXAccount name : U S DEPT OF EDXXXX, Account XXXX *Account name : XXXX XXXX  Account number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B
Consumer complaint received 2024-02-26
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. (CA)

15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the accounts. XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (CA)

I used their finance service to purchase an item at XXXX XXXX 2 months ago. I've been trying to create an account to log in to see/pay my bill and have been unable to do so. Every time I try to verify my phone number as required I get the same error message " Failed to Send The Code To Your Phone. '' I've been calling/emailing/XXXX  Messaging them for the 2 months and still not have any resolution. The few times people have responded, they asked for a screenshot of the error message, which I send right away then I never hear back from them again. There is NO phone number for the corporate office in XXXX, OH, only their off shore call centers. I've had 11 different people tell me that their supervisor will call me back in 24-48 hours and I've NEVER gotten a single call. I've been told 7 times that this will be escalated to their technical team and that it will take 7-10 days for them to fixe the issue. It's been TWO MONTHS AND I'VE NEVER HEARD BACK FROM ANYONE AND STILL CAN'T LOG IN TO SEE OR PAY MY BILL. I can't even get my account number from anyone. 

I've attached a copy of the chat from XX/XX/XXXX that I've never heard back from, like all the other means of communication.
Consumer complaint received 2020-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MS)

This complaint is in regards to my request for a payoff to Rushmore Loan Management Services of my VA Mortgage in XX/XX/2020. The company Rushmore Loan Management Services did not provide a payoff amount to XXXX XXXX my new XXXX XXXX XXXX company when initially requested in XX/XX/2020. The company Rushmore MrLoan Management Services LLC. continued to procrastinate even after I contacted them and asked for a payoff for my refinance. Rushmore finally provided a payoff amount at the end of XXXX but would not process the payment from XXXX XXXX XXXX XXXX until XX/XX/2020, therefore, causing a late payment on my credit for late processing and not adhering to Fair Lending Act regulations. Rushmore Loan Management Services LLC. has not provided my Escrow Refund of {$1700.00}. Rushmore has not complied with the Fair Credit Reporting Act or Fair Billing Act.
Consumer complaint received 2020-12-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I disputed an unverfied account ( XXXX XXXX ) with EXPERIAN LLC XX/XX/2020 I was informed by Experian on XX/XX/2020 that the account ( XXXX XXXX ) was removed from my Experian report. on XX/XX/2020 the unverfied account was placed back on my Experian credit report without notifying me within business days. Under the FCRA guidelines Credit Bureaus reinsert a deleted item from your credit report without notifying the consumer within 5 business days the violation is consumer protection afforded by the FCRA THE FINE IS {$1000.00} paid to me and the legal jurisdiction FCRA section 611part ( A ) ( 5 ) ( B ) ( ii ) Experian has refused to pay the fine and I demand now experian pays the fine to me within 15 days
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with Ally over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.
Consumer complaint received 2020-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (IL)

I got a call from XXXX XXXXXX/XX/XXXXin XXXX, IL stating I owed Cashnet USA a debt from 8 years ago. I remember the debt but dont remember if it was paid as I owed one other payday loan company as well. I was going to pay the debt but they claim to have had system issues and would call me the next day. I got suspicious when I didnt get a call and looked up the company online and found nothing. They have since called my mother multiple times and Im not sure how they got her number. Theyve also been calling me at least 5 times every morning. Ive received no official statement saying I owe a debt.
Consumer complaint received 2020-12-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I never attended XXXX XXXX XXXX, the loans were originally in my sons name. He was changed from 'Signor to to co Signor ' though they cant produce those documents. Ever since it went to Navient it is laughable. They 'Sallie Mae ' changed myself to student and 'Signor ' Which I never was. Now as a retired man at age XXXX they continually call and send letters ( even after we pay the agreed amount ) and cuts into food, but also still say work with us and add to monthly payments as both my wife and I are retired ( 2 months ago ) she is going through XXXX for CLL and has been and they continue the " Brute Tactics '' Claiming pay more a month! They were completely 'Libel for Predatory loan practices as I was a co-signer but decided I was it because I had a job ' the whole loan should be removed and expunged as I was never a student. They also say well your retired that You know have more money to increase payments and the interest.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Contacted XXXX XXXX, dispute account for fraud never opened. ID theft.Sent docs back no investigation answered. Violation of federal rights.
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I made a payment of {$300.00} to Capital One. This payment was made before the payment due date, it was WELL over the minimum payment amount shown on my credit card statement, and it was enough to bring my account balance below the credit limit. 

3 days later, after Capital One took my money, I found out through Capital One that my account had been closed, with no reason provided. I received notification in writing to this effect, dated XX/XX/XXXX, but not received until around XX/XX/XXXX, with the reason cited of " due to activity on this or another account that is not consistent with our expectations for account usage, and violations of the Capital One Consumer Agreement. '' I contacted Capital One for an explanation, and got nowhere. I took my concerns all the way to the Executive Offices, who refused to help me. The main reason they cited was the fact that there were " multiple returned payments '' on the account. Every time there was a returned payment ( 3 times ), a replacement payment equal to or greater than the original payment was ALWAYS made immediately. Additionally, it was determined during a call with the executive team that the issue was on Capital One 's end, and their incorrect transcribing of the account number that the payment was supposed to be drawn from. 

Even so, Capital one refused to reverse their decision. I contacted the executive team multiple times in XXXX, and in XXXX. The most recent time was on XX/XX/XXXX, where I gave them 30 days to correct the issue. They still refused to take any action in my favor on this account. 

This is what I consider Capital One 's final chance to avoid litigation. I am reaching out to the CFPB to resolve this, and also hopefully bring to light their unscrupulous business practices, with the hopes that others will not have to go through what I've had to go through for the past 2 years.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NV)

CREDENCE RESOURCE MANAGEMENT ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-09-01
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: DISCOVER BANK (AL)

I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be  placed on my bill again. 
I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

According to Trans world system I owe XXXX XXXX for an account that was opened 5yrs ago. I have only had XXXX XXXX as an electric company for the last 2yrs. Before then I lived in XXXX and had not had to use an out sourced electric company. I called Trans world system and was hung up on when I asked what I was being charged for. I then called XXXX XXXX was was told they wouldnt give me any information and when I asked for proof that I signed an agreement or contract the representative laughed and stated that they dont need me to agree to anything in order to start charges.
Consumer complaint received 2020-06-02
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. (CA)

I applied for a loan with XXXX today XX/XX/20 and I was not approved because there are 4 accounts in negative standing appearing on my credit. I was not aware these accounts were on my credit report before today because I did not open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX/XXXX. I don't know why these accounts are on my credit or who they belong to but I have never allowed anyone to open these accounts on my behalf using my personal information. I did not benefit anything such as money, goods, services or any other benefit from these accounts and I did not make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2017-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Freeze was placed on my business account without any reason or notification from Capital One Bank. They claim that last check that I deposited, which is the same Payee name for a past 3,5 years, is under investigation. No explanations why, just hold placed without any notice, which causing me a lot of problems and extra fees from returned transactions. Bank representative stated that I will be contacted once investigator will open case, when she is not sure. I asked who will be paying late fees and returned transaction and did not received reasonable answer from Capital One Representative. This is not the first time that this bank does this to me. Please help me.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (GA)

My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Consumer complaint received 2021-05-24
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. (HI)

I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 
I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer
Consumer complaint received 2020-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AR)

I made a purchase with XXXX they sent my order to he wrong state and person And have been asking Pay pal to have me return the item back to XXXX from the wrong address 1,300 miles from my house. pay pals staff have been insulting degrading refused to honor their pledge to pay a refund and go after the vendor if the vendor/seller refuses to pay a refund after returning an Item. I did receive an item from California I returned it to that sleers store in XXXX XXXX. where it came from Pay pal has discussed the other person who received my orders refund with me more than twice now.
Consumer complaint received 2022-03-29
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. (CO)

On XXXX2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 120 days so they should be deleted promptly.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has been servicing my home mortgage for years. I pay bi-monthly and recently XX/XX/XXXX and XX/XX/XXXX they started adding a {$4.00} payment process fee each time to make the payment. This has not happened in the past but recently started.
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (NY)

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

Please confirm the information shown in this collection account. The unverified account listed below is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.
Consumer complaint received 2020-12-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-11
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.