davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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. (IL)

I am not liable for this debt with XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and XXXX XXXX XXXX. They also did not provide me with the original contract as requested. I would like for there to be a correction to my credit report. I demand that these items be deleted immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2021-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MI)

Hello My loan origination date was XX/XX/2004 my original loan amount was XXXX I don't understand why I still owe so much on my home. My loan was supposed to be a 30 year home loan. I am looking at my account with Midland Mortgage and it shows my maturity date asXX/XX/2050. I have never refinanced my home. I just want some answers as to my the payments I have made over the last 17 years have only went to the interest on the loan. I believe the balance on my mortgage should be significantly lower.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have the Bank of America Travel Rewards Visa card. 

There is no annual fee. 

I pay my card in full before the Due Date every month and therefore pay zero in any interest fees. 

However in the last three statements : XXXX, XXXX, XXXX I have illegally been charged a {$1.00} fee on the XXXX of each of these three months, despite the fact that I was assessed {$0.00} fees for any interest. 

I called and complained to Bank of America and after 20 minutes of back and forth and being put on hold each time with some ridiculous explanation which CLEARLY is a violation of the card stipulations that states : Here is the excerpt from the contract : Minimum Interest Charge If you are charged interest, the charge will be no less than {$1.00}. 

Therefore, since I dont pay ANY interest, this CAN NOT apply. 

My concern is not the small about, rather the EXTREMELY fraudulent actions of Bank of America, which I am certain is being perpetrated against the millions of people who hold this card and most likely any Bank of America cards or other financial products as this is a charge deliberately entered into their computer system and then assessed automatically. 

Please research all of Bank of Americas abusive practices along with those of other financial institutions which may also be engaging in these types of fraudulent thefts. 

{$1.00} is small enough for most people to ignore, but multiplied by the millions of accounts is on a massive order of magnitude. 

Thank you all for the vitally important work that you do.
Consumer complaint received 2018-03-02
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: Bread Financial Holdings, Inc. (OH)

Okay, I have a credit card through XXXX XXXX. Had it over a year and all was fine until now. We are doing work to the house and I use this credit card. I pay it off as soon as the charges appear on my statement. I went to use it and it was declined. I checked my account online and it showed my entire credit line was available. I called to find out why it was declined. They told me the payments were still being processed. My bank statement shows they were paid, the credit card statement shows they received the money. I have called 5 times and talked to 9 different people. I have written four letters. I got a letter back stating all my credit is available and there is no restriction on the account. The phone calls the representatives told me, yes they have the money, yes it is posted to my account but the system is still processing the payments. None of them can explain how the payments are posted to my account but still in process. So now I have money taken from the bank account that is not available to me and a credit card that I can not use through no fault of my own and they are telling me it takes about 21 days to process the payments. If they post to my account to acknowledge they received it how can it still be processing?
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit report is showing an error with the acoount XXXX XXXX XXXX of XXXX XXXX . They are showing this account as a closed account. This is an active account with payments made and up to date. If possible, confirm with the financial institution or do whatever is necessary, but eliminate the chargeoff status, because it is not correct and it is affecting my credit. Federal law protects me and I have the right to have correct information on my credit report.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I contacted XXXX XXXX XXXX about the bill to see why their was a bill the representative informed me it was for when my son had a visit to the ER I explained to her I provided the ER with his insurance and I called my insurance to be sure we was active they didnt bill the insurance for him no one even entered his insurance at the ER even though they was provided with the information the person I spoke with said it was my debt because he hid my son and I would have to settle it to have it removed insurance stated they can backdate the claim but the representative stated it was to far out I didnt know the bill wasnt paid until it showed on my report and its not my bill I wasnt seen at the ER I would like this removed from my credit report
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Our home used to be owned by XXXX XXXX XXXX who bought it from XXXX. Recently this year it was sold to Select Portfolio Home Loans. When it was transferred, XXXX didn't process a payment, and had us already showing we hadn't paid in XXXX. Select Portfolio already had us as late on a payment even though we had proof otherwise. My husband and i both make separate payments from separate banking accounts. You can not add the acct in your online account, or make partial payment, so we make bill pay through our own banking, My husband in the beginning could make his, and I couldn't and then somehow it switched, and i could, and he couldn't. In any case, we have been making payments, and he thought he was making his payments. We have been on the phone with select portfolio and our bank to prove the payments have been made and cashed. They go somewhere, no one knows where, and then its returned back into his bank account. We have shown proof of payment from both accounts from our banking statements. we opened a investigation in XXXX, and it's XXXX, and still nothing. Meanwhile i was advised to start the process for hardship so i don't lose my house. The only thing happening is Select calls me every day to go over the house, and then we have the same conversation, trying to get back to results of investigation. They advise it's been noted, and someone will reach out, and here we are yet again. We have made our payments, every month. I do not want to lose my house, i would love to refinance but how do you do that with a history by this lender that shows we are dysfunctional payees? This is unacceptable especially in the environment of Covid, we should be helping each other succeed ... .and instead, they are dragging their feet. I was on the phone the other day trying to sort it out with my Hud rep, and they kept stalling to put the mgr. on the phone, so clearly, they are not in the position of wanting to help, but rather drag it out. i need my house payment to reflect current. This is clearly an error on their side, and i want our credit, and history restored to show that we were in fact current this entire time. It is clearly not our fault that in your failure to investigate, and get any resolution. We have answered calls, made calls, emailed statements, shown proof, and discussed this more times than i can count. i never get the same rep so i am put through the torture of explaining it every single time, and the first comment is " do you plan on saving your home? you realize it's delingquent? ...
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-08-24
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. (AZ)

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act. 


This is : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXXraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ).

They refuse to correct information after being provided proof of  inaccuracy.
Consumer complaint received 2023-03-11
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 (VA)

I made a purchase back in 2022, and I was told to try to work it out with the merchant and I have been trying to do so. I have spent a total of over XXXX XXXXhrough XXXX. and I have been going back and forth with them, and it seems as though they were stalling. I had no choice but to report back when they tried to close out the resolve after each person has been stalling. When I called back and had Captial one put in my dispute, the guy had me on the phone and filling getting ready. Capital one sends suppose to be secure links and then the links don't work, had me spend three days sending out fax and calling them while waiting for them to turn on the fax machine. I have over 8 to nine transactions slip and the rest were left at the fax location. Then I spent the money to send it through mail as told. So, today I tried the links again to show the transaction slips, etc, but the system kept kicking me out. Then I see the credit back reversed and called to see what the problem was. They told me I passed the deadline of over 120 days, saying that I should have been told. This is after being told to work with the merchant as much as possible, I did thinking after all the proof I sent videos, etc they would just give me my stuff, and pay me back for all the broken stuff. This has upset me dearly becaues Im out with all the broken stuff given to me, missing part of my order with a proof, and the entire package that I put in the mail cuz the papers would not all go. If that's the case why did they waste my time? I want either my money back or my product. They don't have the full package cuz it's in the mail. Nothing was working properly no matter how many times that I tried calling and letting them know. No one was near that fax and everyone is working from home, which is not providing proper help. I have just been cheated completely. You don't get your stuff to after 45 to 50 days after you pay cuz it has to come on a boat from China.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

To whom it may concern : I have been dealing with the authorities with a cyberstalking incident which I believe might have to do with identity theft. I live at XXXX at XXXX in XXXX XXXX Florida. I believe that our property manager at our property management company benchmark property Management is stealing check numbers from our monthly dues which are multiple checks due to other fees. Her name is XXXX XXXX. I'm starting to believe she has been stalking me and my family and that she is a liability to this community and possibly somehow using illegal surveillance to infiltrate people 's homes and bank accounts. 

due to my lawyer 's recommendation I was on the board of directors a couple of years ago and I resigned before there was any real liability because I do not trust the board or this property management company that they switch to. It is called benchmark property Management on XXXX XXXX XXXX XXXX FL. the association 's address is XXXX XXXX XXXX XXXX XXXX Florida my address is XXXX XXXX XXXX apartment XXXX XXXX XXXX XXXX bank is PNC I have notified them about the possible fraud I just wanted to let you know in case anyone else who lives in my community as having an issue. 

Thanks XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> DEPT OF ED XX/XX/year> DEPT OF ED XX/XX/year>
Consumer complaint received 2021-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

So FedLoans have said over and over that my XXXX form is complete and is pending final review. I submitted this information and documentation XXXX. It has been over four months of waiting! I was told by their staff that it would be processed in 2-3 months. I have completed the required payments and have worked at qualifying locations for the correct amount of time which has all been verified. There is no reason why this should take over 120 days to complete. Now they say Unfortunately the review is not being completed by us. The review is being completed by the XXXX XXXX XXXX ( XXXX ). We have to wait for their response. But when I contacted Federal Student Aid about it, the XXXX said We apologize for the inconvenience, but we are unable to perform you request, but considering on your information on Fedloan Servicing 's behavior and delays on processing your Loan Forgiveness, you may need to report the servicer 's suspicious activity via the XXXX Feedback System. I just want to have my XXXX XXXX XXXX XXXX approved in a timely manner. It has been almost five months since I submitted my XXXX Form in XXXX of XXXX. This needs resolved immediately.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris inc XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Foris INC XXXX i used my debit card to transfer this fund to Foris INC. and Foris INC XXXX exchange XXXX XXXX to coinage platform. 

XXXX platform is scammer. i reported coinage and the trader to XXXX. Foris INC dealing with scammer. 

i do not know it was a scam until i can not collect my money back.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (CO)

The First National Bank of Omaha advertised for and provided disclosures on a credit card to suppor the XXXX XXXX XXXX. The First National Bank of Omaha has recently stated that it will not longer offer that card. Nowhere in the initial disclosures was there a clear and prominent statement that they may submit to cultural pressure and stop offering the credit card. There disclosures were extremenly deceptive in their advertisting. This decision has caused me severe financial harm as I am having to find a replacement card for an organization that I support, spend time changing all my pre-arranged paments to that card, and start using that card over the FNBO card.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2020-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (TX)

Received robocall/phone call XX/XX/2020 XXXX XXXX from someone claiming to represent a company called 'direct recovery services ' (? ), said call was a message for a person whose name I did not recognize about some sort of debt, do not know why company called my number, do not know anyone by the name they mentioned, I personally do not have any debts that I am aware of, company wanted person they were calling for to either call them at an 888 number or go to a website, click on a url and enter a number, very concerned that this may have been an internet fraud attempt, also reporting this to State of Texas Attorney General 's office.
Consumer complaint received 2020-06-02
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Consumer complaint received 2020-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested
Consumer complaint received 2021-10-21
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 (CT)

I was approved for the Goldman Sachs/Apple credit card on XX/XX/2021 ; however, I have never been able to use the credit card because my " account is under review '' and restricted from spending. I have called the Apple/GS customer service line about 5-6 times and spoken to at least 9 people since to date ( XX/XX/2021 ). No one will tell me the reason my account has been under review ( despite there being no purchases made to be reviewed ) or will allow me to just close the account. I took the typical credit score hit by opening a new line of credit and now I do not have the benefit of using the credit line at all or closing it out. Last thing to note is that this restriction took place before I could even activate the physical card.