davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RICHLAND HOLDINGS, INC. (NV)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX reported me to a collection agency, Account Corp of Southern Nevada who reported me to the credit bureau for a debt that I don't owe. I contacted Account Corp on XX/XX/22 and was told that I owe for unpaid co-pays and a {$40.00} no show appointment fee totaling {$150.00}. I explained to the representative that I always paid my co-pay because XXXX XXXX office would not provide service before collecting a {$25.00} co-pay and that If I missed an appointment ( which I am not aware ) I was not informed that I owed a missed appointment fee. The representative at Account Corp informed me that they received the debt of {$150.00} and I am being charged an additional {$160.00} in collection fees and interest. The amount that appears on my credit file is for {$370.00} a different amount than what she told me I am being charged for. 


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Consumer complaint received 2016-09-21
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is my servicing bank. I noticed them that our loan will be resetting in XXXX and needed help. 
After sending all the info they requested they denied us a modification. We were not asking for a modification per say. In our hardship letter we ask for help with a refinance so we could continue to live in our home until property values improve in our neighborhood. 
Their are XXXX foreclosure in our neighbor and nothing is selling. 
Our home is considered a luxury home and this size home are not selling as this time. 
Wells has help us in the past, since we purchase the home in 2007. We have honor our agreement and have not been late, all taxes and insurance are current. We have not deed but Wells Fargo said we have asset we can sell, true but that is our retirement. That like telling us to take money out of our XXXX. 
The could if they chose too give us a refinance but they are making a lot of money off our loan. In XXXX our loan will increase XXXX XXXX dollars. Payment will go to over {$8000.00}. The only option they give me is a short sale. We put {$700000.00} down on this house and would like to sale when we can get some of our investment back. 
I have ask the bureau for help in the past but receive very little help. 
My desired resolution is for Wells Fargo to simple refinance our home for a XXXX arm at 3 % interest. This would give us time to sell and pay down our loan. 
Thank you for your time. 
XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX
Consumer complaint received 2022-09-06
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-17
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. (FL)

The credit bureaus are violating my rights not obeying the laws in place by the fair credit reporting act. Ive sent XXXX, XXXX and Equifax certified mail 3 times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining i have not had a proper investigation performed and how they are violating the fair credit reporting act. These consumer report agencies are in violation. 


According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to consumer to any consumer reporting agency If ( i ) the person has been notified by the consumer, at the address, specified by the person for such notices, that specific information is it accurate; and ( ii ) the information is, in fact, inaccurate. 

They also didnt even record the current status of the disputed information which is another violation. 

I can go on and on. 

The credit bureaus have no respect for the laws. 

Somebody needs to be held accountable for this
Consumer complaint received 2022-02-19
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. (CA)

On XXXX XXXX I got a notification with '' changes in your credit score '' and I checked my credit score. It was dropped by XXXX points and I notice a new credit card was added into my account. I was shocked by the incident. Then I escalate the issue to TransUnion and told them " Someone has applied for a credit card on my name ''. 

Based on the information they provided to me. I reached out to the bank and reported the fraud.
Consumer complaint received 2023-04-17
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)

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 15 USC 1681 ; Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX  XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2016-09-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Contacted Transunion attempting to obtain free credit report. Never received free credit report, XXXX was charged 3 consecutive months. Never credited for one month of billing. Requested to unsubscribe. I was harassed with constant emails despite numerous request to unsubscribe.
Consumer complaint received 2017-08-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NVR INC. (VA)

XX/XX/XXXX : Signed contract with builder XXXX XXXX to build new house in XXXX, VA. Paid {$5000.00} earnest money deposit at this time to begin process. XX/XX/XXXX : Spoke with NVR Mortgage, who is XXXX XXXX 's lender, to start pre-approval process for VA home loan based on military XXXX pay. XX/XX/XXXX : Met with XXXX XXXX of NVR Mortgage to sign documents to start the pre-approval loan process. XX/XX/XXXX : Received job offer from XXXX XXXX XXXX XXXX due to XXXX from XXXX XXXX on XX/XX/XXXX. This job results in over {$30000.00} pay cut. Previously not aware this high of a pay loss was going to occur during transition from XXXX XXXX military to the civilian sector as a XXXX XXXX, XXXX. XX/XX/XXXX : Accepted job offer with XXXX XXXX XXXX XXXX to start XX/XX/XXXX. Gave notice to XXXX XXXX, XXXX XXXX, stating I am receiving pay cut from {$97000.00} to {$60000.00} and do n't believe I can afford a home of this XXXX come time to close on house XX/XX/XXXX. I do not believe I will be approved for a home loan with this yearly income. I plan on joining the XXXX XXXX XXXX XXXX, however, do not have orders stating this will occur as of yet. XX/XX/XXXX : Spoke with XXXX XXXX XXXX, XXXX XXXX, regarding loan approval. Lender stated unlikely approval would occur with projected yearly income. XX/XX/XXXX : XXXX XXXX, sales representative with XXXX XXXX, stated I had to submit a letter of reason stating why I wanted to end the contract with XXXX XXXX and submit a letter of " termination '' from my employer in order to receive the earnest money deposit back and cancel the contract. I submitted this statement of reason to XXXX XXXX as well as my XXXX stating end of XXXX XXXX service with the United States XXXX on XX/XX/XXXX XX/XX/XXXX : Received a notice of Default of the Purchase Agreement from XXXX XXXX, XXXX XXXX, stating I 'defaulted ' on the contract and would not receive my earnest money deposit back of {$5000.00}. XX/XX/XXXX : Submitted statement to XXXX XXXX, XXXX XXXX, serving notice I do not agree nor accept the terms and conditions of this termination letter.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Dear Credit Bureaus Dispute Resolution Team, I am writing to dispute an inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry made by XXXX XXXX on XX/XX/year>. However, I do not recall authorizing this inquiry or applying for any new credit with XXXX XXXX around that time. Details of the inquiry are as follows : Date of Inquiry : XX/XX/year> XXXX : XXXX XXXX Inquiry Type : Hard inquiry I kindly request that you investigate this matter and provide me with detailed information regarding the purpose and basis for this inquiry. Additionally, please provide any supporting documentation related to the inquiry. If this inquiry was conducted without my explicit consent, I request that it be promptly removed from my credit report. I understand the importance of accurate credit reporting, and I believe resolving this matter is crucial for maintaining the integrity of my credit profile. Please send me a written response acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and resolve the issue. You can reach me at ( XXXX ) XXXX or XXXX to discuss any further information or documentation required. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2016-03-19
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX, a.k.a. XXXX XXXX XXXX which is a collection agency who is also committing fraud by listing their account on my credit report as a " retail '' company. They are also trying to list the account to XXXX CA as a charge off and to the other as transferred/sold. They are intentionally reporting inconsistent and inaccurate information to the credit reporting agencies.
Consumer complaint received 2022-02-19
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. (LA)

I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak XXXX and nobody you talk to speak clear XXXX it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (IL)

I saw several transaction notifications in the morning of XX/XX/2018 on my PayPal account. I did not make or authorize any of those transactions. I attempted to contact PayPal immediately but the Customer Support was not open. I changed the password of my PayPal account as a precaution and once the Customer Support was open, I called and reported the unauthorized transaction and that the last transaction that was authorized by me was on XX/XX/2018 for a {$10.00} purchase and any and all transactions after that date were unauthorized. 

The PayPal agent I spoke to on XX/XX/2018 assured that all the transactions would be reversed. 

But on XX/XX/2018, I received a notice from " XXXX XXXX XXXX '' saying I owe PayPal {$1400.00}. I called PayPal again the same day and asked why I received the notice. The PayPal customer service agent said she has filed another case and all the transactions would be reversed. 

On the morning of XX/XX/2018, I saw that the transactions were noted as reversed but the account balance on the PayPal account still shows - {$1400.00}. 

Whenever I try to call PayPal customer service, after providing the information needed to validate the account, the automated phone system states that the account has been placed with a collection agency and I need to contact them directly and it redirects my call to them. It does not allow me to talk to PayPal customer service.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NJ)

I purchased merchandise at Macy 's website in XX/XX/XXXX and earned Macy 's money. 
I used the Macy 's money to purchase merchandise. I returned a coat which I paid {$19.00} in XX/XX/XXXX. Macy 's only refunded me {$9.00} claiming it withheld {$10.00} for the Macy 's money I used. I returned the merchandise which was bought by using Macy 's money and my credit card on XX/XX/XXXX. The return is {$35.00}. 

Macy 's has not refunded the money to me after it received the returned product.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

credit bureau TransUnion not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XX/XX/XXXX with XXXX since XX/XX/XXXX till present2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed an online dispute with TransUnion concerning a debt placed onto my credit file by XXXX XXXX XXXX. I was not able to upload documents to prove my case because of an incredible amount of character restrictions not allowed on documents by this companies arcane computer program. When the dispute came back that the debt was verified, I then mailed my documents to Transunion to prove my case. XXXX again the results were not in my favor. When I tried to call to speak with a live representative, I was redirected to file the complaint online. It is my strong belief that a proper investigation was not conducted on my behalf. The documentation provided to TransUnion was very strong evidence that XXXX XXXX XXXX was wrong on their filings against me.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX XXXX - {$0.00} Discharged Overview Reference Number XXXX I have tried getting this off never file a bankruptcy in XXXX
Consumer complaint received 2018-10-03
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: United PanAm Financial Corp. (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I can't find the " guide to benefits '' which is specific to my Capital One XXXX XXXX XXXX XXXX It is not under my account information. Also, when directed by Capital One customer service to find it on their site, of the types of cards listed, my type is not included. I found a generic " Capitalone XXXX XXXX XXXX to Benefits '', but I can't be sure if it is specific to my card. After being on hold with XXXX for XXXX minutes, XXXX, from their digital department advises me to call XXXX. This information should be available from XXXX.
Consumer complaint received 2020-06-20
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX  had reported me twice as being late with payments. I had some fraudulent activity on this account awhile ago during there investigation I was assured nothing would be reported as late to the credit reporting agencys till there investigation was complete. The investigation was completed and was proven there was fraud in the account however I was reported twice as late on payments. I contacted them months ago and was assured they would be removed as it was an error. One was removed however the second one was not. I called again and spoke to a customer service rep who looked into it and submitted a statement for the 3 credit reporting agencies to remove that other negative late payment remark. Today I checked credit sesame and that one shows 2 late payment remarks still. This is affecting my credit in a negative way.
Consumer complaint received 2019-02-28
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. (LA)

I am filing the complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are requested to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
Thank You