davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (UT)

I submitted disputes myself to Transunion and they failed to respond within 30 days to my XX/XX/2022 letter and then on my XX/XX/2022 letter basically saying they claim I did not file my claims myself. I mailed the letters myself and attached my drivers license and social security number. See below the letter they sent. 


We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 
We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 
It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the informat ion on your TransUnion credit report at transunion.com/ repairletter. 
If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/ repairletter. 
You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Experian credit reporting agency has indicated my credit score has dropped XXXX  points on XX/XX/2022. On the same date, Experian has reported that my credit balances have dropped, my credit utilization percentage has dropped, my payment history is excellent. It is illegal to report unfairly and not one single creditor has reported negatively to my credit reporting agencies. Therefore, Experian is required to fix the disparity and provide remedy to the decreased credit score. Computer algorithms are the new excuse as to why consumer credit scores are inaccurate, however the damage is affecting my ability to purchase a home.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I just opened up my XXXX  Checking account and I just found out I have to wait two days for them to unlock my account and then I was transferred to the fraud department and their recording said they are closed. This is unbelievable. I just cashed my cashiers check at the bank for XXXX. I have made arrangements and have bills to pay. I dont understand why they wait till the end of the day to lock my account up leaving me with no access to my money and no answers. Is this how our banking relatiionship is going to be then I do not want my money at US Bank. I can not be going through this. How the bank just says oh wait a couple days for them to review it and unlock it or not. Are you serious. Either someone needs to call me back and provide me access to my account or I need to have this account closed and take my business to a bank who can be customer focused and more professional with me. So here I am left with all my money tied up the same day they made it avaiable to me. I am hoping this is a mistake and someone will call me back and fix this right away. My account number is XXXX. My social security is XXXX.
Consumer complaint received 2018-02-20
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. (TX)

My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX. There is 1 Inquiry dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
Consumer complaint received 2019-08-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (SC)

Hi, To START, the death of borrower. I inherited the property securing the loan. Went thru probate, everything to assume the loan. The loan continuously remained as an estate even after countless times of trying to assume the loan. So I continued to struggle to make payments. I got sick back on XXXX XXXX. It was initially thought to be a temporary XXXX. 

2 years ago I almost lost my home. It was the judge that told me where to seek assistance after being 12 months behind. He referred me to the SC Helps.gov. They paid my mortgage for 2 years to give me the opportunity to seek additional income or be able to return back to work. Since then, I've been declared 100 % permanent XXXX. 

I used the papers that XXXX presented in foreclosure court stating the death of the borrower.Finally, they did add my name to the loan. I had to apply for an assumption although I had presented the necessary probate papers over and over in previous years. 

The application asked about the condition and worth of the home. I did provide the information of owing $ XXXX however the value is much much more than that. 
I applied AGAIN for help. 
This time I was denied help, but was offered a statement to sign to surrender my home. It said I HAD to sign. I panicked and discarded the letter. I did not want to feel pressured to sign that form. They also said I had over {$3100.00} is monthly debt so I had to surrender my home. I do NOT have {$3100.00} in dept. 
I didn't sign ... .and threw that paper away. I just want a little relief. They won't even try to help me. 

During the years, XXXX had denied request for help as- Death of Borrower- not eligible for modification, insufficient income and death of the borrower, over and over again stating the only option is to -surrender the property to them. 

I've exhausted the SC Help funds. I just need a little relief. a permanent little relief. Paying over {$1000.00} is so intimidating. If I could just get it under {$1000.00}. 

They won't even let me try a modification. 

Thank you for your time in reading my complaint.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

I have both PayPal credit ( where funds come out of checking ) and a paypal mastercard. I noticed that I was being double charged for items/services ; one via credit and one via mastercard, when i tried to get this rectified the customer service rep for mastercard said she did not see the charges showing on my credit where as when I spoke to paypal ; not paypal mastercard, it was clear that both charges were visible.

There is a discrepancy between the two entities, on my end I can see both charges on both accounts ; I took screen shots, did the calculations and there is no question I payed for both charges via paypal credit. Why should I have to pay via paypal mastercard. I feel this may of been going on for a while without my knowledge because I do tend to be really oblivious, but always felt my bills were higher than they ought to be, this is the first time I investigated.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I am writing in reference to my Advance Checking/Saving Accounts with HSBC Bank. On XX/XX/2019, in response to HSBCs advertisement offer ( Offer ), I opened an Advance Checking/Saving Accounts ( the Account ) in the local HSBC branch ( XXXX XXXX, NY, Personal Banker XXXX XXXX XXXX # XXXX ). Pursuant to the terms of the Offer and, as stated in my Account documents, after opening an HSBC Advance combined Checking/Saving Accounts with a balance of at least {$10000.00}, I would automatically receive {$370.00} after 90 days from the date of the account opening. As indicated above, the Account was opened on XX/XX/XXXX of 2019. I complied with all the terms of the offer by opening the Accounts for the required {$10000.00} and maintaining the balance of at least {$10000.00} for more than five months now. According to the terms of the offer and my Accounts documents, I became eligible to receive the promised {$370.00} in XXXX, 2019. However, HSBC declined my request for payment of {$370.00} without providing any explanation for their failure to honor the terms of the agreement. I called and spoke with at least 4 representatives at HSBC and the Manager XXXX but, as of today, I have not been given any explanation as to why my request for the promised {$370.00} was declined. I opened my Accounts in reliance of HSBC representation of promised payment of {$370.00} within 90 days. I have satisfied all the requirements for payment eligibility and HSBC breached its promise without providing any explanation for their refusal to honor the terms of our agreement. 
.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

This debt is not mine. I never had any contract with this company. Have reached out several times to have this remove from my file. They never sent in documentation or contract when asked for proof. This is causing me damages and will litigate if necessary.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filed bankruptcy in XX/XX/XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included Capital One Bank. I contacted Capital One Bank who stated they are not reporting anything negative and according to their records my balance is XXXX. A collection company stated they brought the account from Capital One and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with XXXX XXXX or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or Capital One Bank XX/XX/XXXX. Capital One shows only on XXXX with a XXXX   closed account balance. 
account was open over 5 years ago. The information of having a Capital One account XX/XX/XXXX is false information being reported.
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (AL)

On XXXX I had a fraudulent XXXX  transaction. I called the bank as soon as it posted ( less than 2 business days ) The bank basically says I did it and will not put the money back. I asked for paperwork supporting the denial and they sent 3 screen shots. Luckily a teller at the bank printed the whole investigation file ; ) so I know that what the bank says and what they found are not the same.
Consumer complaint received 2018-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: LOAN TO LEARN (CO)

I received a XXXX or Loan to Learn private student loan for 8000 approximately. I was paying out of state tuition at the time and had to get. Private student Loan. Once I graduated XXXX contacted me to set up payments. I sent three payments with money orders. My fourth payment got sent back to me and so did the fifth. I contacted them and I was told that my loan was bought out. I was told I would be contacted on who to send payments too. I was never contacted. I then got a judgement placed under my credit which is triple the amount borrowed. Now I make payments to a lawyer. I have not received tax forms. I am unable to talk to someone about the balance, tax forms, and possibly a pay off amount. On the website the phone number is not valid. It only provides an email address and I have used this method of contact several times and only get told tax forms were mailed yet I never received mine. I ask more questions and never get a response
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (FL)

In accordance with The Fair credit reporting act XXXX, this account. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX. XXXX section XXXX A States I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX States a consumer reporting agency can not furnish a account without my written instructions so please remove all all accounts listed protected by law!
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Consumer complaint received 2018-03-05
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. (NJ)

XXXX will Not remove this account even after I sent them a police report and proof that I never had a bank account with XXXX XXXX that someone was making payments on the XXXX  card on
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (NY)

On XX/XX/2020 I filed out an application to become a bitcoin XXXX XXXX. I received an email on Monday that my application was accepted. They send me a check with email instructions and they assigned a surveyor whos name is XXXX XXXX. I deposited the check as instructed and proceeded the next day with the assignment which was not successful because the bitcoin atm is not working. The surveyor was texting me the all time. Once I couldnt complete the assignment he demanded I buy gift cards with the money and send the rest of the money which was a total of {$3600.00} to his account. Since I thought the check was cleared I sent the money to find out the check bounced a days later. I tried calling the number is busy and no one is answering my emails. The promise was that I complete the assignment and a survey and be compensated {$300.00}.
Consumer complaint received 2018-02-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

I discovered an item on my credit bureau from National Credit Adjusters regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/2018 I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX XXXX XXXX XXXX, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (SC)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ROBINHOOD MARKETS INC. (FL)

On or about XX/XX/XXXX, my identity was stolen. Among other things, there were attempted withdrawals from my XXXX XXXX  checking and savings accounts. There were also fraudulent charges against my XXXX and XXXX accounts. On XX/XX/XXXX, I received an email from Robinhood XXXX XXXX notifying me that there were XXXX stock purchases made in my name. Following numerous email exchanges with Robinhood fraud reporting, they have never removed those fraudulent purchases and closed the account. I am still receiving periodic market reports from them. I also received an email notification on XX/XX/XXXX indicating my XXXX Tax Documents were available. I have never had an account with that online brokerage company, but I can not get them to close the account. I have reported the identity theft to the IRS to protect me against fraudulent tax charges. I need you to pressure them to close the account. I do not even have an account number from them.
Consumer complaint received 2018-07-31
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: Experian Information Solutions Inc. (FL)

Back on XX/XX/XXXX a collection account appeared on my Experian consumer credit report by the name of XXXX. The original creditor of the collection account XXXX XXXX was paid by my insurance company back in XXXX of XXXX. A Dispute was initiated on XX/XX/XXXX regarding this matter. Supporting documents was uploaded to Experian website 3 days later. On XX/XX/XXXX I called into Experian Dispute department spoke to a representative who was very rude. Not only was she rude but she also refused to allow me to speak to a supervisor. The representative spoke over me and did not allow me to argue my point. Stating that the Dispute is still pending that I must allow XX/XX/XXXX for my results. Later on that evening I received an email stating that the invalid debt came back as valid. I do believe that the Dispute representative I spoke to on the XXXX. Verified the dispute as valid on her own out of spite. Without the collection company responding back to the Dispute. Something that is illegal to do. I copy of the bill showing that the collection account was paid off last year is uploaded along with this complaint
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (PA)

I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc. (OH)

With XXXX, there is a debt through quality recovery services of XXXX which is false and it has ruined my credit report. 

I have written documentation that supports this to not be valid. This has been on my CR for 3+ years, and is hindering me and my XXXX children to living comfortably. I can forward the proof immediately ro support my claim. It is with XXXX XXXX XXXX apartment complex ) in the state of Georgia.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Weinberg Mediation Group LLC (MD)

I am undergoing XXXX XXXX. I told the lady. She demands answers while I have a needle stuck in me. I have XXXX XXXX. I have called to mediate but now I need the harassment to stop now. My life doesnt need to take abuse