davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
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: CASHCALL, INC. (CA)

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  Cashcall Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX  Cashcall - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX XXXX XXXX XXXX XXXX Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX  - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX  XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX CCXXXX XXXX XXXX  - does match XXXX  CCXXXX, unauthorized, unknown. 
7. XXXX CCXXXX - Insufficient information, does match experians CCXXXX Cash Central, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21 XXXX Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX : XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX  XX/XX/21 XXXX XXXX  XX/XX/21
Consumer complaint received 2023-01-10
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)

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an XXXX XXXX XXXX who has been XXXX XXXX for the past XXXX years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXX XXXX- {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX- {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}
Consumer complaint received 2022-04-05
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. (DC)

I received correspondence from Transunion to which suggests that I am working with a credit repair company. I have submitted a complaint in reference to derogatory accounts to which I have been a victim of identity theft in the past. I have tried to resolve this issue with original creditor with little to no response. 

Transunion continues to report these derogatory items on my credit report. Transunion have failed to investigate my complaint. It has been more than 30 days. 

Please reference : File # XXXX
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

A credit card was opened in my name without my consent. I never received a bill from this company and once I realized what happened I immediately closed it. I have reached out to the company for a letter to take the error off of my credit report and they refuse even though I told them it was fraud.
Consumer complaint received 2022-04-05
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)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX | XX/XX/20XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (OH)

XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill. The company is also not licensed in my state to collect a debt.
Consumer complaint received 2020-10-21
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: Bread Financial Holdings, Inc. (FL)

my credit card was fraudulently charged {$1400.00} plus fees for an emergency cash advance I did not request nor authorised. I immediately notified the bank by e mail that this was fraud, as I was out of the country during that time. the bank refused to remove the charges as well as fees and late charges. I had an attorney contact them twice but still no resolution. now the bank has reported this to credit bureaus which has negative impact on my financial life.i have documentation of all communications with bank. 
the nank is comenity bank the issuer of XXXX XXXX  credit card.
Consumer complaint received 2023-01-31
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: EQUIFAX, INC. (MA)

There is a foreclosure remaining on my credit report that has expired many months past the last payment date and actual conclusion of the non-judicial foreclosure date. ( XXXX XXXX XXXX XXXX XXXX ). The date of the last payment was XX/XX/2016, and the non-judicial foreclosure occurred XX/XX/2016. Please remove from my credit report as the seven year reporting period has expired.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$540.00} XX/XX/XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX {$6100.00} XX/XX/XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Hi i tcheck my score credit in my bank and i found report from Experian that i didnt pay XXXX $ and i know from that cz i have no idea about that and i dont know that charge from what
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current (PA)

In XX/XX/2020 I ask social security office to put XX/XX/2020 deposit onto my current card. When XXXX got here I didn't receive it. I was told by social security XXXX and XXXX if thecompany that received it dont send it back to them then I won't get it
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I had originally signed up for an American Express XXXX  card. Because of the pandemic, I downgraded my card to an American Express XXXX  card. I am charged annually for both cards. 

One of the reasons I obtain the American Express credit card is so that I will not be charged a foreign transaction fee. There are many credit card consultants touting the benefits of having no foreign transaction fee as an outstanding feature of American Express credit cards, including the Amex XXXX card I have. Here is a link to one such expert published on XX/XX/2021 : https : XXXX When I downgraded my card from XXXX  to XXXX, I was not informed that I would lose the XXXX  foreign transaction fee privilege. My understanding was that such privilege would continue. However, four days ago, I found out that I was charged {$730.00} by American Express in foreign transaction fees. 

Thus, I was misled by the American Express company to believe that I had retained the XXXX foreign transaction fee benefit by downgrading XXXX to XXXX. Had I known I was going to be charged 2.7 % for the transaction, I could've used my XXXX XXXX card, which had XXXX foreign transaction fees. The practice of the American Express Company is deceptive and their agents lured me to keep their " travel card '' during the pandemic ( when travel is not possible ) so they can hit me with exorbitant service fees at the right moment.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

Not sure what happened ... .went on a trip Thursday XXXX used my debit card all weekend even Saturday ... did not use it on Sunday ... woke up Monday to pay some bills and SunTrust closed all.my accounts without notice and then tells me I have to wait five days with no transactions and then wait another 10 to 15 days for them to investigate then cut me a check for the difference ... ..I have no money ... not working because of covid and they will not release any funds to me even from the accounts that have no pending transactions on it ... ..I have did everything ... .went to the branch spoke with everyone except the president and to no avail ... .I need help I can not survive without my money
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

I was misled by a Great Lakes and I paid my education loan and the company has proof.When signing for school everyone is offered two loans. As you will notice on document 1.1 a subsidized loan is {$1700.00} and an unsubsidized loan is {$3000.00}. Not every student wants to use these benefits and are mandated to sign a form such as document 2. This form states that I did not want the unsubsidized loan. I received a check on XX/XX/XXXX of {$4000.00}. Obviously this check was way more than what I had signed for, I called the company that sent the check and statement known as Great Lakes bank. This company told me the check was for both the subsidized and unsubsidized loans. Even though I did tell them I signed the form, they told me they told me the only way to fix the issue is to cash the check and pay back the unsubsidized loan. The amount is less expensive if the student pays a set loan off early, so the full amount owed was only {$2900.00}. Document 1.1 also shows the confirmation number I received when I paid the loan off with my debit card and document 1.2 shows the where it came out of my bank. A week later I called my school to pay my tuition with the {$1700.00} I had left on the check. I was then informed that I still owed {$2900.00}. Within the conversation with the student aid we found that the batch check I received was for my federal student pell grant and the loan of the subsidized loan, document 3 breaks down the check and shows I never received an unsubsidized loan. When I called the Great Lakes Bank I was informed the associate told me wrong information and that I did not have an unsubsidized loan nor did I ever ; therefore, the agent told me I would receive a refund of {$1200.00} and the {$1700.00} would be paid off. Document 4 shows I did receive the refund amount. I paid the school out of pocket with the {$1200.00} and the other {$510.00} for tuition. 
In XXXX I checked my credit score to see that the Great Lakes account was still open, so i called to see why it was not yet closed. I was told the subsidized loan was deposited into my account without my knowledge on XX/XX/2019. I have sent in my bank statement which is document 5 and a letter stating that I never received such payment document 6. I have even done a three way call with management from Great Lakes bank to verify. The Great Lakes bank says that they have confirmation that my bank does indeed have the amount which is document 7-8. ( I applied the notice to email because I was not sure if it was important. ) Even if my bank has the amount, it's not in my account and I have proof of that. The company refuses to adhere to my information and believe it is up to me to find the money. Since it's not my fault I should not have to pay another {$1700.00}. I have a few of the managers phone numbers and emails. The company 's phone number as well. PLEASE contact me and I will provide any information that is needed.
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I submitted my proof of identity as well as a request to correct my name and address that is reporting on my credit profile XX/XX/2020. I have not received a response back within the thirty day period. I am demanding that the items be removed off the credit report at once they are fraudulent and inaccurate.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

XX/XX/2022 we applied for a new loan and was denied based on a negative credit report from SPS stating we owed them XXXX. We provided information showing our home sold on the XXXX of XX/XX/2022, proof of payoff to the mortgage company on the XXXX. The closing attorney office also made contact to verify they sent payment. After a 30 day review by SPS, they are now telling us they did not honor our original payoff quote sent by them on XXXX XXXX for {$200000.00} because they made an HOA payment to the condo association on XXXX in the amount of {$2900.00}. We did not owe this money to the HOA as we are required to have a clear 6D to close. We received our 6D on XXXX for our XXXX closing. In addition, SPS is stating they paid {$800.00} on XXXX XXXX for city taxes on a property we do not own. Because of this additional {$3700.00} they disbursed to the HOA and City tax department they will not honor our original check in the amount of {$200000.00}. Their quote from XXXX expired on XXXX XXXX, we closed on the XXXX of XXXX and the quote they sent should be honored. The closing attorney and I have both provided documentation of the payoff quote from them, copy of the fed express mailing with the payoff check. We seek your help with getting the mortgage company to honor the original payoff quote and apply the check we sent. Remove late fees and negative credit reporting. For then to request funds they sent on a sold property to City Taxes and the HOA office directly and not try to force us to pay for their mistake. We are unable to secure a new loan to purchase our next home due to their error.
Consumer complaint received 2020-05-16
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. (GA)

Transunion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had mailed them with my request. The packet that I uploaded here is exactly what I sent them. They are requesting duplicate information.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX
Consumer complaint received 2020-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Amsher Collection Services, Inc. (AZ)

I learned that I had a change to my credit score through a third party monitoring service. It showed Amsher as the collector of services through XXXX in the amount of XXXX. I was with XXXX for 18 years, had only one account and switched carriers exactly one year ago. 

I contacted XXXX, they explained the charges and credited my account on XXXX for a portion of the monies that were incorrectly charged. My existing balance is now XXXX. 
Here is where I am having the issue. 

I contacted Amsher this afternoon and was told they did not see a credit to my account and my account had not been reported to the credit bureau. They said there should be nothing on my credit report through them. They then said, " Oh, wait. There is a second account here. '' They said it was also through XXXX. I was put on hold and told that I needed to contact XXXX XXXX, XXXX at XXXX regarding my " other account ''. 

When I contacted XXXX XXXX XXXX  office, I was told that they did have my account and that I owed XXXX. ( XXXX XXXX change to amount I owed was on this account ). I was told that even if I paid that amount, I could not remove the negative mark from my credit report. 

I called Amsher back and spoke with XXXX. I asked her why I have two accounts from XXXX in collections and want to know how to get Amsher off of my records if they never sent report to the credit bureau. She put me on hold for several minutes and did not give me an answer. I was just told I had to contact XXXX XXXX XXXX office and ended the call. 

I called Amsher back and spoke with XXXX. I wanted to know the date that XXXX turned my account over to Amsher and what date my account was sent to XXXX XXXX XXXX office, as I believe the dates coincide. She became very aggressive and refused to give me any information. She stated that she did not have to give me that information and that she was going to end the call now and hung up. 

Am I not allowed to have information on my own account? I can not get a date of when my account was transferred? Or, acquired? I thought there was a " Fair Credit Reporting Act '' which made this information available. Not according to Amsher!
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (SC)

I agreed to a settlement for XXXX and Tidewater Financial Company. I paid the amount which was offered.. The company is still showing on my credit as delinquent and late payment which is incorrect and is affecting my credit score. I need the correct information to be reported to the Credit Bureau.