davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today I contacted Transunion regarding their inquiry issue and their customer service would not help and take care of the negative inquiries reporting to your credit report. They refused to remove, investigate or offer aid in resolving matter. 

Multiple inquiries are on credit that I did not consent and some are listed multiple time on the same day such as : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Automotive
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

First the " What best describes your problem '' options had nothing remotely close to my situation. I picked one, but it really doesn't come close at all. 

I have two debts in collections with MCM ( Midland Credit Management ). I received a call in XX/XX/2019 from " XXXX '' who wanted to set up a repayment plan. During that phone call, on several occasions, he mentioned that as long as I made payments, they'd report to the credit bureaus that I was making payments ... something that I know is seen as a positive on my credit score. I made a payment arrangement on each of the two accounts, one I was told would pay off the account when the agreement was complete, the other wouldn't. I started making payments as of that day, and have kept up with the agreement every month since. 

I check my credit score regularly, as I am trying to repair several issues, and over the last several months was surprised to see that there was no change to my score and no change in the reported status of these two accounts. So, a week or two ago I called MCM to find out when they'd start the reporting they'd promised. I was informed ( by someone else, I don't know who ) at that point that they do not have any plans to report anything about the debt at all until it is paid in full. It will continue to show as being in open collections until that point. This is absolutely NOT what we had discussed and I am very frustrated by the situation. 

I called again today to be sure I fully understood the situation and was once again told basically, " I'm sorry, I don't know what you were told initially, but we will not be reporting anything except the account being in open collections until the account is paid in full. ''
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019 money was sent to me by my daughter via PayPal for a payment back of a personal loan. The dollar amount was {$1500.00}. I received notice from Pay Pal that such money was received. I went to PayPal site and requested the money be sent to my bank. A message was sent, similar to my daughters that the money would be available within a day. See message from Pay Pal ( email available ), language below. 
We're transferring money to your bank You asked us to transfer {$1500.00} USD to your bank account, and we're processing this transaction now. 

Estimated arrival : 1 business day Transfers made after XXXX XXXX ET or on weekends or holidays take longer. All transfers are subject to review and could be delayed or stopped if we identify an issue. 

Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$1500.00} XXXX XXXX account XXXX XXXX XXXX, XXXX, XXXX ____ I checked on the XX/XX/XXXX and again today the XX/XX/XXXX and no deposit had been made. I then contacted PayPal through customer service Chat. The agent told me that it would be another 3-5 days based on unknown factors. He acknowledged the email clearly stated the one day transfer email which I provided him.

Clearly PayPal is using the consumer money, holding it for time frames to obtain interest earnings on the funds in whatever account they are using at the expense of the consumer.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ovation Financial Services, LLC (TX)

XX/XX/2019 intervening plantiffs original petition Ovation Services LLC letter mailed from XXXX XXXX XXXX written letter sent to myself and sent to the district court XXXX judicial district XXXX county texas to honorable judge of said court. Ovation Services and XXXX, XXXX, XXXX, XXXX & XXXX, XXXX attorneys at law are threatening to foreclose on my property for past due taxes paid by Ovation Services LLC. 
my financial situation is considered as underemployed and hardship letter has been faxed to XXXX XXXX XXXX, XXXX district court XXXX county texas, and my mortgage company XXXX XXXX  and finance to explain my underemployment, hardship, and options available for me to modify my loans or provide forbearance or loan forgiveness.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was switching from XXXX to TD Bank because my ex wife had access to the account and to protect myself and money i needed a fresh start. So I wrote XXXX valid checks to transfer funds. Without my consent or knowledge my ex wife withdraw all my funds and i became aware of this when my First Deposit came back from TD Bank Informing me of the situation. I than went into branch informed them of my situation and had to file claim to cover myself. Along with those Deposits my uncle XXXX XXXX endorsed his check that he received for {$15000.00} on XX/XX/XXXX they placed a XXXX hold on check which Is understandable considering the other situation. The check cleared but they ended up closing my account holding on to my funds. I had to get a power attorney from my uncle stating I had permission they still didn't accept it. My late father is the originator of the Check and he past away due to XXXX & the Rep from TD Bank told me they needed to see my fathers Death Certificate which II felt was out of line. They have since erased the account out of there system and transferred my funds to a internal Account and has been sitting there. When I call and give them the account number the Customer Service Rep. have no record of this account only two other accounts I've had in past. I honestly Want the funds returned to me because they don't belong to TD Bank. The Money Cleared Account number with TD Bank I'm speaking of is XXXX. After the fees they Charged the balance in my account was around {$14000.00} Its not the exactly amount but i know they deducted a little over {$200.00} from the {$15000.00} to cover the fees from other transaction. 
As detailed as I am you know I'm telling the truth
Consumer complaint received 2018-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

This is the second time it has happened ... ..and it is every time I make a payment for both months ... 

Navient has again, wrongly applied my federal student Loan payments ; loan ID ; XXXX, XXXX and XXXX to an unknown loan ID XXXX, without authorization. I've asked Navient by email to correct the error of the payments for XX/XX/XXXX, and XX/XX/XXXX  and re-allocate the payment made to the unknown loan XXXX to the loans ID : XXXX, XXXX and XXXX for those months accordingly. Please find below details of the checks that were supposed to be applied to Loan ID : XXXX, XXXX and XXXX : Cashiers check # XXXX, payments for XX/XX/XXXX,  was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the copy of the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? Cashiers check # XXXX, payments for XX/XX/XXXX, was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? They've suddenly decided to divert my federal student loan payments to an unknown loan and charged me late fees for it??? 

I've included a copy of my past complaint ( ID XXXX ) and also the proof the checks i sent with instruction for which account and months!
Consumer complaint received 2020-06-27
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. (CA)

I was at XXXX XXXX today XX/XX/2020 and I applied to see if i could finance a diamond ring, however, when they ran my credit I was told that I was not approved due to having an account in negative standing appearing on my credit history. I had no idea what account they were talking about so I looked through my credit report and I saw an account from XXXX Card for an amount of {$1600.00} in negative standing. This account is not mine mine ; I did not open it nor did I allow anyone to open it in my name. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding this unauthorized account.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (MD)

I have been financially impacted by the Covid 19. There is a late payment on my account. You are letting people skip payments, why was the reported to the credit bureau? There was a shelter in place order in my state. This does not seem fair.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

As stated in previous complaints. My unemployment card was sent to a wrong address. I did not know I was even approved for unemployment. Not until several months later did I find out. I have been submitting claims over and over again since XXXX. Ive been told several times that I would have the credits on my account by such and such date and of course theres dates had passed and I never received anything. Their last response to me was about my card being froze at one point for suspected fraud which was cleared up by me providing proof of identity. And no explanation at all as to why my claims are denied. This entire event has consumed my life and I have been doing a lot of research and speaking to others. It appears that Bank of America is doing this to anybody who had fraudulent charges on their account. Ive spoken to over a dozen of card holders who say their accounts are negative because Bank of America credited their accounts only to put the charges back on. This bank can not get away with what they are doing to unemployed Americans. Weve all been affected by the pandemic, then to have our identities stolen on top of it and the bank holding our unemployment income is denying us access to it because they allowed fraud to happen on our accounts.
Consumer complaint received 2018-06-13
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. (TX)

Please remove the following fraudulent inquiries from my TransUnion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

Hope all is well during this covid-19. Listen, i normally go to the store to pay the bill because i never receive statement, however, due to COVID-19 and the store being closed down, I was shocked when I reviewed my credit report and found late payment mark on XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/20, I deposited four money orders and one cashiers checks to my account totaling {$2400.00} My monthly banking statement didn't reflect this deposit. I have complained to Wells Fargo and they said they have no record of the deposits even though I've shown them a receipt of the five checks deposited. They said their ATM malfunctioned. I take that as meaning they lost the checks. So I asked them to credit my account or give me back my money orders which we know they have because I have photograph proof of the deposit. This happened in XXXX, NC. at XXXX. Transaction # XXXX.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (GA)

This account was back fromXX/XX/XXXX. The original creditor is world acceptance cooperation now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XX/XX/XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

XX/XX/2018 at approximately XXXX. Received robocall from my XXXX area code ( caller ID was ( XXXX ) XXXX saying to press " XXXX '' to speak to agent regarding debt. Transferred to " XXXX '' claiming to be from XXXX XXXX XXXX in XXXX. Attempted to collect money for payment of a credit card with Citi bank that had been closed 6 years ago. Called number back and same woman answered with " hello '' and I asked questions such as " where are you located, why am I getting an XXXX number for a phone in XXXX '' and woman hung up on me.
Consumer complaint received 2018-06-12
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. (IL)

I continue to try and resolve unauthorized inquires on my credit. I have reached out to transunion again as well as the credit companies. What are my next steps before I file a lawsuit against every party involved? for example XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this information provided by transunion is incorrect. That number is for pest control. 
Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX this company can not verify any of my information to date!! 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX C/O XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Can Transunion provide proof of verification that they have from these companies, since the companies are refusing to provide it? I also filed a complaint with the FTC. My next steps would be me and my attorney
Consumer complaint received 2021-02-27
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. (CA)

It had been 11 years since this XXXX XXXX XXXXXXXX account. They finally closed it but left it on my credit when it should be completely removed from my report.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2021-02-27
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. (SC)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Adjustment Service, Inc. (NY)

I never opened this account in XX/XX/2018. Please remove this account from my account is affecting my credit scores dramatically. 

Balance {$2300.00} Highest Balance {$2300.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX