davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

I was served with paperwork in XX/XX/XXXX that I was being sued by XXXX XXXX XXXX for the amount of {$1300.00} for an old credit card account with XXXX XXXX. I was told I had to contact XXXX XXXX to prevent legal action from being taken. I immediately called and set up payments to them, with post dated checks. I made a payment in the amount of {$320.00} to be debited from my account on XX/XX/XXXX, and then {$150.00} on XX/XX/XXXX, XX/XX/XXXX,  and then set up for a {$150.00} every month until XX/XX/XXXX, and then in XX/XX/XXXX {$100.00} to be debited and the debt paid in full. I received another notice in the mail on XX/XX/XXXX that a default judgement was entered against me in the amount of {$850.00} when the total I owe is only {$700.00} after these 3 payments have been made! I tried to contact them multiple times to find out why they are continually suing me after I set up a payment agreement with post dated checks, because the second judgement was for an amount less than what I owed in XX/XX/XXXX. I left multiple voicemails asking them to return my calls to discuss why they are continually suing me even though I have set up payments and they will not return my calls.
Consumer complaint received 2023-03-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

PayPal Inc demands payment of {$88.00} in fraudulent XXXX transactions. My financial institution and XXXX have both investigated and determined it's fraud. I had to get new bank accounts and rideshare accounts while updating passwords on all my digital accounts. I've contacted PayPal numerous times, including on today, I was told the resolution team closed the dispute and I must pay. I will not pay for charges for services I did not enjoy. I'm at my wit 's end and just want PayPal to do what is fair and right.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX i did a wire transfer from XXXX  XXXX XXXX, on XX/XX/XXXX i opened the case with coin base about the missing wire.. and called them ..Due the miss match on the name of the account they send me a mail that a refund has been processed..but still i havent recevied my money back i try to solve it by opening cases and calling them : here are the cases XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing Wire Refund XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Coinbase Support XX/XX/XXXX XXXX Missing wire XX/XX/XXXX XXXX Missing wire XX/XX/XXXX On XX/XX/XXXX i called XXXX XXXX  which coin base is working with and ask about the wire refund, the bank told they can see it and they cant process until the coinbase has initialed a refund and gave me the phone number to call coinbase and i opened a case with XXXX  on XX/XX/XXXX Still no respond from coinbase
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Federated Law Group (FL)

XX/XX/2018I am calling in reference to a resolution payment for a credit card of XXXX XXXX the debt was for {$4000.00} and change. I made an offer of {$2000.00} and they did not want accept my offer. I tried several times to fix the problem spoke with two different collectors and a supervisor at the end I had to pay {$3600.00}. I had the offer of {$2600.00} before but to bad advice from my friend I lost the offer and due to that I was penalized.the company is Federated Law Group,XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX
Consumer complaint received 2018-02-18
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: WELLS FARGO & COMPANY (MI)

Wfds XXXX, NC XXXX ( XXXX ) XXXX The Wells Fargo Dealer Services is reflecting on my credit report as a hard inquiry. I have not spoke to, inquired nor discussed any attempt to obtain any services through the Wells Fargo Dealer Services. 

WFDS has no cause, right or permission to gain access or obtain any financial reporting information from my credit report and this inquiry is unsubstantiated.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Formal complaint credit dispute claim was opened with Capital One following an online order from XXXX XXXX. 

In short, XXXX XXXX charged the credit card. The order that was placed online was cancelled by XXXX XXXX due to inventory. XXXX attempted to rebill credit card despite this cancellation and not fulfilling their end of the order. 

A billing dispute was open with Capital One and as part of remediation, the original amount was credited back to card. However, Capital One received a charge authorization in " investigation '' BUT no other support documentation was provided by XXXX XXXX. No documentation involving delivery or processing of the order was uncovered in the dispute. Capital One 's dispute process saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill credit card. Since this, we have called Capital One but they claim the burden of proof falls on the consumer now with solely a charge authorization. No sufficient evidence of the vendor 's fulfillment is a direct oversight on the process of disputing claims especially when investigating online order fulfillment. 

The initial purchase was made on XX/XX/XXXX. The dispute in question is for the value of {$61.00}. The complaint was lodged around XX/XX/XXXX.
Consumer complaint received 2020-07-13
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: CL Holdings LLC (AL)

I PULLED MY CREDIT IN XX/XX/2020. I DISCOVERED INACCURACIES ON MY CREDIT REPORT I FILLED OUT AN IDENTITY THEFT AFFIDAVIT AND REPORTED THE INCORRECT INFORMATION TO ALL THREE BUREAUS AND CREDIT AGENCIES. THERE HAS BEEN NO RESOLVE TO MY COMPLAINTS.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/XXXX I purchased 4 tickets via the XXXX XXXX website from XXXX to the XXXX XXXX for our XX/XX/XXXX vacation, we flew from XXXX Oregon thru XXXX XXXX to XXXX where we arrived at XXXX instead of XXXX due to aircraft delays. We took our family and stayed at the airport since our XXXX XXXX flight was supposed to leave to the XXXX side of the XXXX XXXX at XXXX. When we tried to find XXXX XXXX much to our dismay it had gone bankrupt without telling anyone the month before and we had to purchase tickets to XXXX via XXXX XXXX  for {$880.00} the last minute price. When we returned from our vacation we contacted USAA and filled a disputed claim where USAA opened a claim, usaa then withdrew the claim saying we did not want to continue it and the time had elapsed and to contact XXXX XXXX, XXXX XXXX statement to the public which we made usaa aware of says to take this up with the bank or credit card company. That email was on XX/XX/XXXX ... we are now trying yet again on XX/XX/XXXX via phone because they have locked the ability to dispute these transactions. We have provided USAA with local news in Hawaii showing that the airline had closed and there is no longer XXXX XXXX website. We did not receive services and and being penalized for the date I purchased airline tickets. Below is the new article with the statement from XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
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: CCS Financial Services, Inc. (NY)

Credit Collections is reporting 4 collections on my credit despite a full payment. They informed me that they will delete the accounts from my credit and yet they havent deleed the accounts as of yet. Please see attached a confirmation of payment, and remove these account from my credit as promised
Consumer complaint received 2023-03-24
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: Affirm Holdings, Inc (MD)

XXXX XXXX AFFIRM INC ACCT NUMBER : XXXX  XXXX # XXXX. I've called personally and confirmed this account was outdated but still reporting to the account. Was told that information will be deleted due to this fact. To date, has not happen.
Consumer complaint received 2021-12-01
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. (MS)

I have tried to have my name corrected with Transunion multiple times. They have my name as XXXX XXXX. I submitted my Driver 's license and provided a police report and FTC report to show that my name was incorrect. They still have not updated it. I have submitted documentation 5 times in the past XXXX years and it still remains. I have also submitted documentation showing that the XXXX " XXXX '' accounts and " Through the XXXX XXXX are also a result of identity theft but they have not removed that either. I submitted a police report and FTC report regarding that as well.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AR)

I received my first bill from Synchrony Bank regarding a store account on XX/XX/2020 ; the bill was dated XX/XX/2020. Two items were wrong : First, I had been charged a late fee of {$28.00}, and second, I had a past-due balance of {$97.00}. As this was the first bill, both items were clearly wrong. 

I called the bank 's customer service number to get the bank 's errors corrected. The late fee was waived ( as a courtesy ; those words were a bit insulting, since the error was the bank 's ), but I was advised nothing could be done to correct reporting of the past due amount other than to write a letter to the bank demanding a correction.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax is reporting XXXX XXXX # XXXX on my credit file as being late on XX/XX/2016. However Im an authorized user on that account which is in my wifes name XXXX XXXX, we pulled her Equifax file and the same XXXX XXXX account on her file is not reporting late payment on XX/XX/2016. Obviously you cant have the same account reporting different information on 2 different credit file. I have enclosed a page of my wifes account reporting correctly on her file.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have an auto loan from XX/XX/XXXX that was bought from a different account holder last XX/XX/XXXX. My new account holder, XXXX XXXX, informed me that they would begin reporting this debt, my payment history, and the age of account beginning in XX/XX/XXXX. Once it did not appear in XXXX, I called XXXX XXXX to confirm their reporting. XXXX XXXX confirmed they first reported in XXXX, as they had told me in XXXX. I then called Experian and filed a dispute. The person seemed as though they were " fake taking '' a claim, not finding out all of the information before trying to hang up. I kept having to volunteer more information that the agent should have already been asking. I let them know I have an additional debt ( more debt I am carrying than they are reporting ) and that exceptional payment history should be attached, it would show an open account, and it would show the age of that account which began on XX/XX/XXXX. All of these factors affect credit scores! I have a mortgage that would very likely be at a lower interest rate if my report had been accurate. I attempted to call again today before filing a complaint, but I became extremely frustrated that I could not get transferred to a live person, Experian told me to " call back some other time '' and disconnected the call. My next email will be to file a complaint with the office of XXXX XXXX, XXXX of Texas and to any other agency that pops up in a search. I am so appreciative of your agency assisting regular people like me to help fight the big dog. Experian is incorrectly reporting my credit summary and it urgently needs to be rectified.
Consumer complaint received 2018-02-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This loan was over five years ago with Bank Of America. I finally managed to get a home loan modification with them but then they promptly sold my loan to another company with whom I have been making on time payments ever since.

I have asked and asked that the Bank Of America be taken off my credit report because at the time I fell in a hardship. My brother had died and I took in my mom who is the widow of a XXXX  XXXX vet. BOA refused to help me at all and I had to fight two years for the home loan modification. 

I have called and called about having this taken off my credit report due to hardship. Their customer service is very rude and refused to help me. 

I hired XXXX XXXX to help but they met with much the same response. 

All I want is this off my credit report. I really need help with this because every time I call in their customer service is quite rude to me. 
I no longer have the documents they should also have as it has been over five years.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

Since last year, I have been experiencing problems making the minimum payments on my Capital One credit card. I lost my job since the pandemic, and I was only able to work on a contract basis. 
Since XX/XX/XXXX, and when due to the situation already described, I began to experience serious problems making my credit card payments. I proceeded to immediately contact Capital One to try to solve this situation and to get a payment plan that would allow me to reduce the high interest on the card, which is currently 25.5 % of the purchases made and to eliminate the monthly late fees is {$38.00}. The capital one representative told me that they didn't have that kind of program available and that they only offered me a three-month payment plan to catch up by eliminating late fees, but he didn't agree to adjust the interest. I signed up for the plan, but after complying with it I continued to have problems with continuing to make my payments, this is because my financial situation has NOT CHANGED since XX/XX/XXXX. 
As a responsible consumer that I have always been and my credit history can prove it, I continued to communicate with Capital One on a monthly basis, the last time being today, XX/XX/XXXX, and again a Capital One supervisor identified as XXXXXXXX XXXX XXXX XXXXXXXX, told me again that they did not have a Hardship Payment plan to help me pay off my debt. As of today, my account balance is {$11000.00}, with a minimum payment of {$1000.00}, this out of an original balance of less than {$6000.00}. Meaning Capital One almost doubled my original debt with all the fees they added ever since. 
This situation makes me submit this complaint that infers that Capital one does not want to make any kind of payment arrangement that can help me pay off this debt but only to continue enlarging the balance with abusive interest and surcharges that will never allow me to pay it neither allows me to negotiate a fair payment plan. 
I am a XXXX XXXX woman and I understand this practice from Capital One is not fair neither shows any willingness to help a working-class consumer, who has been in communications with them since day one. I consider these unfair and of a financial exploitative nature.
Consumer complaint received 2018-02-18
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. (PA)

On XX/XX/2016 a balance of {$13000.00} appeared on my Transunion Credit report. I am challenging Transunion to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXXate XXXX inquiry XX/XX/XXXX
Consumer complaint received 2020-01-28
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. (GA)

In XXXX, I discovered that I was the victim of identity theft. I filed a police report, had fraud alerts placed on the credit bureaus, and the fraudulent accounts were removed, with the exception of three that were reporting positively. The man who helped me repair my credit said not to worry about those. Three years later, in XXXX, the fraudulent account from XXXX XXXX was added back to my credit report, along with 9 different variations of an address I never lived at. I'm assuming that this is where the fraud was committed. I was told by Experian that the information is verified as accurate. How can that be so, if it is not my account? Please handle both Experian and XXXX XXXX in the illegal reporting of this {$34000.00} auto account that is not mine! Thank you.
Consumer complaint received 2021-12-01
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Report and needs to delete immediately : XXXXXXXX XXXX XXXX Date Updated : XX/XX/2021