davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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: Troy Capital, LLC (TN)

Got a letter from XXXX XXXX XXXX XXXX representing Troy Capital LLC they filed a judgement against me back in XX/XX/XXXX trying to collect old debt that Troy Capital LLC bought from the Original Creditor XXXX XXXX for Pennies to the dollar Troy Capital LLC is a XXXX XXXX XXXX XXXX Debt Buyer and hire crooked lawyers like XXXX XXXX XXXX XXXX to do their dirty work XXXX XXXX like Troy Capital LLC and Crooked lawyers like XXXX XXXX XXXX XXXX need to be held accountable for always breaking the FDCPA Laws they count on the ignorance of Consumers using scare tactics paying for debts no longer owed but written off by Original Creditors it's a shady deceptive business that needs to be looked into and put a stop to it the money they collect don't go toward the debt or the Original Creditors but instead into their own pockets that's how they make their profits I tried to pay the minimum owed in good faith to XXXX XXXX XXXX XXXX but I read alot of bad negative reviews from other consumers sure people gets into messes they shouldn't get into but the people at Troy Capital LLC and XXXX XXXX XXXX XXXX sure as heck ain't perfect and definitely saints themselves for judging consumer remember only God can Judge oh by the way XXXX XXXX XXXX XXXX had the time barred extended to XX/XX/XXXX
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MA)

My Target Credit Card has been closed since I closed it XX/XX/2022 and yet it shows open and current even after disputing issue with XXXX XXXX three times. I need your help to remove its active status from my reports. 
XXXX XXXX Account ending in : XXXX Please remove this account or show that it is closed. 
Thank you.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a deceptive letter and credit-card offer from Capital One. The promotion promises {$200.00} cash back just for signing up and other attractive terms. The letter includes a " reservation number '' and " access code '' to create the ( apparently false ) impression that the card is pre approved. 

I opened their website and then was prompted to disclose to them a lot of personal data -- my social security number, address, phone, income, monthly rent. I then applied and was immediately rejected. My credit score is in the high 700s if not XXXX, I earn well over $ XXXX/year, I have no debts and relatively low monthly expenses. 

All in all, it's pretty clear that this offer was first and foremost a scheme to harvest consumer data.
Consumer complaint received 2019-10-31
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. (TN)

I have contact XXXX  numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, XXXX   and Experian still report the accounts. Also XXXX XXXX closed the account on behalf of speedy cause because I sent the proper documents to prove it was an fraudulent account, XXXX  still list this debt as well.
Consumer complaint received 2019-10-31
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 and XXXX XXXX XXXX
Consumer complaint received 2019-10-31
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 and XXXX XXXX
Consumer complaint received 2017-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (LA)

WESTERN UNION SCAM On XXXX XXXX, 2017 I sent three transactions of {$290.00} to my mother in XXXX Ms . I checked with her around XXXX : XXXX to see if she received the money and she told me there was nothing there for her to pick up, I then began to call Western Union customer service number printed on my receipt. I called so many times that someone actully came on the line, at that time I was told the money was picked up in XXXX Michagan. I live in Louisiana, my mother lives in XXXX Ms . I explained to the woman on the phone, that there was no way my mother could have picked up the money in Michagan. I was then informed that I had called back changed my number and authorized to have a security questioned added to the money grams because my mother had no identifycation. I was told by the lady that it would take 20days to investigate this situation. But received a call later that day telling me that my case was unrefundable becasue I was sending XXXX and not XXXX. I told the guy who called me from XXXX that their was no way that could have happened, then he asked me why I was sending this money the way I did I explained to him that me and my children all sent my mother XXXX each pay there own sending fee, so change was to be made. My mother is having a hard time and we each pitched in to help her out with her morage. I was then informed by the guy that, I should be more careful. I was looking over the receipt and I see that this same number is on my receipt as sender, I am thinking this is the guy I spoke to when sending the money. I really do n't know I just know that my mother never got the money, and we want answers since you can not call Western Union.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2024 - I updated some information my Venmo XXXX account ( thats attached to my personal account. ) I also tested how it works by sending a dollar to myself then transferring it back. 

XX/XX/2024 - I receive an email from Venmo support addressed to my business account that due to suspicious activity, my account has been suspended. In order to have it unsuspended, I need to submit my ID. I comply because I suspect that it was flagged due to me changing information the day prior. After I submit my information I notice my personal account is suspended as well despite the email being addressed to my business account. 

XX/XX/2024 - I receive an email from Venmo stating that my account is permanently suspended and they refuse to give a reason why. Its important to note that this includes my personal account. My personal account is what I use as my main bank account so all the money in there is all the money I have and they are refusing to release it to me. I use my money to buy insulin and other medications so I cant wait for them to decide to release it to me later. Especially when they refuse to give me a reason why it was suspended. All my transactions are between my boyfriend, my mom, and friends and this has been the same for as long as I have used Venmo and it has never been a problem then.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Municipal Collections Services, Inc. (IN)

Municipal Collection Services, LLC. has contacted me in writing and by telephone many times attempting to force me to pay a debt that is not mine. I notified them that I am not XXXX XXXX ; I did not reside at XXXX XXXX XXXX, XXXX, XXXX in XXXX ; nor did I own or lease a XXXX with the plate number on record. The debt is for a red light camera ticket for {$200.00} from XX/XX/2014 in XXXX, XXXX. I havent been to XXXX in 30 years.The ticket number is XXXX. The account number is XXXX. The representative, XXXX, stated that it is my responsibility to prove that this ticket is not mine and instructed me to go to the Indiana XXXX for documentation. I thought the debt collection agency must accurately document and provide proof of the debt. XXXX asked if I knew a XXXX with a similar last name. I need help in dealing with this matter because someone in XXXX, Illinois stole my identity.
Consumer complaint received 2019-10-31
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: EQUIFAX, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was so shocked when i looked at my credit in attempts to purchase a home Dates XX/XX/XXXX, XX/XX/XXXX & XXXX I am not sure how this happen i believe that I made my payments when i recieved my ststements. 
I think is that my statements must have gotten lost
Consumer complaint received 2019-05-09
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WAS IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CB1, Inc. (WA)

CBB collections shows me having a XXXX dollar charge on my credit unpayed for. It is stopping me from buying a house. I called the CBB collections and they said they had no record of me and that they are in Montana where I have never been. 

My credit report shows a misspelling on my name. XXXX XXXX instead of XXXX But I told XXXX that and they said they still got no information about me.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP (WI)

Just found out that XXXX XXXX XXXX XXXX XXXX filed a small claims suit against me. I do not or have never had an account with them. There is nothing on my credit report from them. This is clearly a fraudulent account.
Consumer complaint received 2019-10-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (IL)

I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which PNC BANK has not responded and XXXX continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.
Consumer complaint received 2022-04-05
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. (FL)

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), I, XXXX XXXX, consumer, never gave TRANSUNION LLC to furnish my information, you are in violation ( s ). You must comply with my written instructions and DELETE the account ( s ) mentioned in my letter, failure to comply with my/consumer written instructions by law 15 U.S. Code 1681b ( a ) ( 2 ) will result in TRANSUNION LLC fined for {$1000.00} ( per ) Account pursuant to 15 U.S. Code 1681n ( a ) ( A ) ( B ) and you will be invoiced for failing instructions, you must comply with instructions the day of receiving this letter/complaint. Best regards!
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written the three credit bureaus Three times and I have yet to receive a response. Not one response from none of the bureaus. I wrote the bureaus on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. They are ignoring me and not responding at all. This is ridiculous. I work hard for my money to take care of me and my kids myself and they have me taking time out to write letters, spend money on gas and stamps and now Im having to write this complaint all at the same time while Im being denied things because stuff on my credit report is fraudulent and inaccurate. This is against the law and i want something done immediately
Consumer complaint received 2023-02-07
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. (GA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

On XX/XX/2019 we submitted a {$1000.00} payment online to Kia Motor Finance to be applied directly to the principal of our car loan. As per the policy of the Kia finance company, we waited several business days to allow the withdrawal to clear the bank and called Kia Motor Finance on XX/XX/2019 to request for the payment to be applied to principal. Kia Motor Finance could not confirm the receipt of the payment. We waited several more business days and called Kia again on XX/XX/2019 and XX/XX/2019, both times without resolution of the issue. On XX/XX/2019, the Kia representative confirmed Kia had received our {$1000.00} payment and he could not understand why it was not reflected in our payment history. He promised to follow-up with the payment processing department to request for them to manually fix the payment. 

On XX/XX/2019 we submitted another payment online of {$3000.00} which was reflected correctly on the Kia website. On XX/XX/2019 I called to request for this {$3000.00} to be applied toward principal and this was performed. I was told this should be completed in 2-3 business days. 

During the XX/XX/2019 phone call I again inquired about the {$1000.00} payment which has still not been reflected on our loan amount. The representative confirmed the same thing as on XX/XX/2019 and said she would send an email to the payment processing center which would take another 3-5 business days to resolve. I pressed her to have this issue resolved today as Kia Motor Finance has been holding {$1000.00} of our money for 23 days without applying it toward our car payment ( which, incidentally, continues to accrue interest on a higher amount since our payment was not applied ). The representative refused to address this issue today, again saying it would take another 3-5 business days despite all of our efforts to already resolve this.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

When I inquired about student loan forgiveness for public service I was told by Navient that I needed to be on a certain type of loan and so I switched over to that kind of loan. I was told that after 10 years of payments ( 120 total ) under this loan I would be eligible to apply for forgiveness. About 5 years in my loan was taken over by the Department of Education and I was told that none of my payments counted toward the 120 because I was not under the correct repayment plan. Navient withheld this information from me and as a result I am going to have to make 5 more years payments which is a ton of money for someone in a low paying public service position.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (NJ)

This is a continuation of Complaint XXXX against American Express. Today, XXXX XXXX, I received a letter from AmEx dated XXXX XXXX, 2015 as follows : " Thank you for your inquiry concerning the {$290.00} refund check that was issued for the credit balance on your account. We processed a stop payment and issued a new check. 
" You may now choose to received your future Account Communications from us by e-mail. To set up this convenient option now, please visit your Profile & Preferences at americanexpress.com/XXXX and go to the Communication Preference tab. 
" Thank you for your Card Membership. 
" Sincerely, " American Express customer care. Dispute Reference XXXX '' Of course, there was no check included. What is going on with this company? I 'm at my wits end. Any help you can be, please, please, please. 

XXXX XXXX XXXX