davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-16
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. (AR)

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my credit report. The continued presence of these items has had a severe impact on my financial well-being and has caused significant distress. 
I have submitted all required documentation, such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my persistent efforts to rectify this situation, the fraudulent items persist on my credit report. Each attempt to remove them has been met with delays, inconsistencies, and an overall lack of resolution, causing ongoing harm to my creditworthiness and financial stability. 

I am formally requesting the following actions be taken as a matter of urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
Immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

I hope that such measures will not be necessary, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AR XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NV)

I have been paying on this debt for over 7 years. I recently fell behind due to unemployment. They gave no relieve for months. Sent me an intimidating letter stating I was going into default and it would ruin me. I called them again, one of many times to explain my situation. They first offered me a payment of XXXX dollars of which nothing goes to the loan and would postpone the harassment for XXXX more month. When I explained my loan payment is normally less than that they recanted. Asked me a lot of intrusive questions about my living costs and then said we can just charge your normal month postpone the default and its even less than the XXXX. These people are predatory and untrustworthy. They should be put out of business. No other response is acceptable.
Consumer complaint received 2016-12-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Kohn Law Firm S.C. (IL)

Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have disputed so many items that are on my credit report. Items that I requested to be removed. Old accounts or account I paid and closed. But all three company 's refuse to remove them I have put so many disputes and no nothing they don't correct anything or fix it. What else can I do
Consumer complaint received 2024-02-16
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My husband had a USAA credit card ; he died on XX/XX/2021, so I closed all his credit cards. I had no problems, usually faxing a certificate of death, if that. USAA has been IMPOSSIBLE to deal with! I have a {$130.00} credit balance, and they are refusing to return it, and instead send me a monthly statement showing the credit. I called the customer service telephone number the statement provided then spent over an hour and a half this morning dealing with no less that four people. We had faxed in XXXX the death certificate ; now USAA wants a copy of my being my deceased husband 's Personal Representative. I was able to upload a three-page document completed by my attorney, but USAA refused to accept it since it didn't show the notary public 's appropriate information. I don't know what else I can give them. 

No other credit card company has been this difficult to deal with! USAA owes me {$130.00} and I will never see it.
Consumer complaint received 2020-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AZ)

Village Capital purchased my loan from XXXX XXXX  XXXX XXXX  company. On XX/XX/2020 I received a letter from Village Capital informing me that my loan was moved to Village Capital for servicing. The letter stated that I owed Village Capital payments beginning on XX/XX/2020. Note that the date of the letter was XX/XX/2020. My XX/XX/2020 payment was sent to XXXX XXXX  XXXX per the original loan arrangements. I called Village to explain that I paid XXXX XXXX  XXXX and that they should resolve the issue with them. I also sent a copy of my check to XXXX as proof of payment. On XX/XX/2020, I remitted my next payment to Village per their instructions. In spite of two phone conversations with Village, my proof of payment and the obvious fact that Village informed me of the new servicing arrangement AFTER the due date of XX/XX/2020, I continue to get robocalls, letters and texts claiming I am delinquent in payment and that my credit will be damaged if I do not pay.
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I have been using my Goldman-Sach 's Apple Credit Card for the cash back awards. Recently, I've been making larger, more frequent payments which resulted in part of my credit limit being put on hold for ten days. I have a {$5500.00} credit limit but like to use the card and pay it back right away for the daily cash back benefits. 

XX/XX/XXXX I made a payment in the amount of {$1000.00} XX/XX/XXXX I made a payment in the amount of {$960.00} XX/XX/XXXX I made two payments, one for {$1200.00} and also {$3000.00} XX/XX/XXXX I tried to make a small purchase in the amount of {$490.00} which was declined for " over spending limit ''. I checked my bank account and saw both payments {$1200.00} and {$3000.00} had already been debited from my checking on XX/XX/XXXX, so I thought I would wait 1 additional day for the payments to reflect in the available credit. The following day, XX/XX/XXXX I called into their customer service and was told both of my payments from XX/XX/XXXX were " put on hold ''. The representative was not able to explain why the payments were put on hold ; but, she was able to release the smaller one for {$1200.00}. Over the weekend I kept checking my account to see the {$3000.00} in my available credit to no avail. 

I called back on Monday XX/XX/XXXX and asked to speak to a supervisor or manager and was told although the {$3000.00} posted as a payment my available credit would be on hold on until XX/XX/XXXX. I became agitated at the fact they would place a hold for ten days even though they debited my checking and already got their money. I was told I was making payments too large and too frequently which impacted my available credit. Since this poses no additional risk to the credit card company I became infuriated and asked to speak to someone else above that supervisor or manager and was told there was nobody above her I could speak to and nothing she could do, I had to wait until XX/XX/XXXX. 

My complaint is that I believe they are holding or suspending my available credit because I use the card and pay it back right away, taking advantage of the cash back benefits which, in my opinion, the company is trying to prevent me from using their benefits.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have never shopped at XXXX XXXX XXXX in XXXX, IA and This company is stating I had a credit card out for over {$400.00} and I never applied for one let alone I have never shopped at this place. Please remove this from all credit bureaus and off my credit report as this is hindering me from purchasing a house.
Consumer complaint received 2017-02-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (NC)

XXXX 2011, I purchased a vehicle from XXXX, XXXX NC The loan was approx. amount of XXXX the length of the loan was for 72 months. I was approaching my paying off date, so I inquired about other charges to close the loan. They said I owe {$9600.00} to satisfy my loan. The figures do n't agree, and reflect a huge error. apply basic math 72 pymts @ {$520.00} per mo. -- -- -Time range of loan XXXX XXXX to XXXX XXXX now they are saying the payoff amount is {$9600.00} approx. loan approx. {$38000.00} auto approx. {$23000.00}, monthly pymts per mo. {$520.00}. Something is n't right. I 'm paying approx. {$47000.00} for a {$23000.00} vehicle. My bank is providing all transactions since XXXX XXXX to current. I will forward these documents asap
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I overpaid my card by {$530.00}. On XX/XX/2019, I called Capitalone to have it refunded. They acknowledged the over payment and it was showing a credit balance on my card. They told me they have charged it back and it will take 3 -5 days to reflect on my account. On XX/XX/XXXX, I called to find out the status of my payment because it had not been reflected on my account. I asked what happened and the agent told me we have just sent your money today. 
I reminded them the terms and what they promised me on XXXX, also it was over 5 days and even as I write this complain I have not yet received the payment. 
This seems to be a violation of their own terms and what they told be. I was not happy with it and I told them I will file a complaint. That is the reason I am here
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NE)

My Citibank/Best Buy 's account was credited {$430.00} on my behalf by my bank for payment on XXXX XXXX, 2015. Payment was due on XXXX XXXX. The amount paid/credited to Citibank/Best Buy covered the entire balance on my account. Citibank/Best Buy has charged, and is continuing to charge late fees despite electronic records showing that the payment was timely received.
Consumer complaint received 2022-08-09
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. (NY)

XXXX XXXX XXXX ( Loan XXXX ) appears on my XXXX, Experian, and XXXX credit reports. I have received no notices from XXXX XXXX XXXX with regards to this fraudulent, inaccurate, and invalidated information on my 3 credit reports. 

XXXX XXXX XXXX has not validated this debt as per 21 CFR Part 1006.34. 

This matter will be brought to court with all parties involved ( XXXX XXXX XXXX, XXXX, Experian, & XXXX ). This matter is adversely affecting me especially financially including negative decline of my credit score which has plummeted from a XXXX to now a XXXX. 

Remove XXXX XXXX XXXX from my XXXX, Experian, and XXXX credit reports. 

My research on XXXX XXXX XXXX shows that they are above the law and they foreclose on people 's home while under bankruptcy protection, they disregard all court rulings, etc. 

Is XXXX XXXX XXXX the sister firm for XXXX XXXX XXXX XXXX XXXX XXXX?
Consumer complaint received 2016-06-01
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Midwest Acceptance Corp. (MO)

I am a co-owner of my daughters car. started to pay {$100.00} every month and I could n't for two months I tried to tell him that I am working again and I will pay {$100.00} every two weeks until I get caught up. He tells me that he did n't feel like doing a paper check every two weeks and if I did n't pay the full amount that he would garnish my check. I got mad and told him that I was not going to XXXX take my money and I hung up. I am trying to pay and he wants all the last three months on the XXXX when I want to pay a {$100.00} every two weeks.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In correspondence dated  XXXX   XXXX  ,2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2016-06-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (NV)

Representatives advised that she was taking a payment on XXXX/XXXX/16 And then sent me a document stating she had taken the payment today. When I called back advising she stated that she was not aware that she took it even though the paperwork clearly stated today 's date.
Consumer complaint received 2019-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

In XXXX of XXXX, my wife, XXXX XXXX XXXX and myself, XXXX XXXX XXXX, reviewed our credit reports and noticed we both had a medical collection for a medical bill of {$310.00} from Credit Systems International , Inc. account # XXXX / # XXXX. My insurance company or myself makes payments for all procedures. We have never received a bill from the original creditor or from Credit Systems International , Inc. regarding this bill. We have never been given the opportunity to dispute and request validation prior to this agency placing this alleged trade line on our credit reports. 
On XX/XX/XXXX I, XXXX XXXX XXXX sent a certified letter ( Article number XXXX XXXX XXXX XXXX XXXX ) to the above company advising that their claim was disputed and validation was requested made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In this letter, I ask this company to provide me with the proper documentation ( validation ) that we owe this debt and gave them 30 days to respond to my request. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt this company says I owe. This certified letter was received and signed by an employee with the above company on XX/XX/XXXX, yet, I never did receive any validation or correspondence from them. 

On XX/XX/XXXX, I filed a complaint with the XXXX  XXXX XXXX ( XXXX   ) under complaint number XXXX. Based on this complaint, Credit Systems International , Inc. agreed to send validation and delete/remove this medical bill from our credit reports. 

After recently checking our credit reports, this company continues to report the same invalidated information to the credit bureau 's ( XXXX, XXXX and, XXXX ). Due to this fact, this medical collection mark on our credit reports is in violation of the Fair Debt Collection Practices Act. No validation proof has been sent to us by this company to prove this medical bill belongs to us or was never paid by my insurance company or myself. I have even called the original creditor who advised they did not show this account in their system. Also the original creditor that was listed on our XXXX credit reports is different than what is now listed on our XXXX credit reports. Both state the bill occurred in XX/XX/XXXX. 

I am requesting that all references to this medical collection bill ( account # XXXX / reference # XXXX / # XXXX ) be deleted and completely removed from our credit reports ( XXXX, XXXX and, XXXX ) and a copy of such deletions be sent to us via certified mail immediately. 

Filing this complaint again it my last course of action before I take legal action against this company.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.