davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has violated my rights under section 623 ( a ) ( 2 ) willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.
Consumer complaint received 2022-01-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXXk I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report
Consumer complaint received 2022-01-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (CA)

This company bought debt from money mart which was an account the was opened in XXXX. They are inaccurately reporting date of debt and reopened from new company as of XX/XX/XXXX. I have disputed it however the company came back as accurate. It is wrong to report an old debt as a new debt money mart was the original collector and sold this to VANCE AND HUFFMAN LLC who I am referring to as reporting inaccurate.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (MA)

A debt collection notice was sent to my personal residence for a business debt, which I did not personally guarantee nor is it my personal responsibility. This debt, originally held by XXXX XXXX XXXX, has been passed to XXXX XXXX XXXX for collection as if it were a personal obligation, despite being associated with a corporate entity. 

The letter, received on XX/XX/XXXX, incorrectly addresses me in relation to this matter, indicating XXXX XXXX XXXX as the original creditor. However, the debt in question is linked to a business entity, for which I was only the account administrator. My involvement with the account did not include any personal guarantees for the entity 's financial commitments. 

I am not personally liable for this debt, and I believe that XXXX XXXX XXXX should focus their recovery efforts on the corporate entity involved, rather than pursuing an individual who has no personal financial obligation in this matter.
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. (IL)

I sent out a formal complaint letter on XXXX XXXX,XX/XX/XXXX about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. Thank you.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX my Bank of America XXXX card was hacked and XXXX was transferred to someone elses account. This has happened before and after 4 different times for much lower amounts. Each time I got a new card. Reset passwords and security questions and BOFA returned lost money but the claim for XXXX was denied by BOFA and no reason was given. I was told by a claims rep that they had changed systems and submitted a new claim that was denied because the first claim was denied. BOFA submitted a claim denial review on XX/XX/XXXX.
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

PayPal has refused to address the unauthorized charges on my account. They are clear fraud and Ive tried submitting a case, which they closed. I reached out to their customer service and they pretty much told me oh well. I have never once lived in CA nor have I shipped anything there. I live in NJ and the charges are clear fraud. PayPal is refusing to do anything about it.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

An individual sent me money on Venmo on XX/XX/XXXX. On XX/XX/XXXX I was notified by Venmo that a chargeback case was opened because the sender stated they did not make the transaction via their financial institution. As requested, I provided Venmo with video of the sender making the transaction in my driveway along with messages between the sender and myself showing that she intended to make the transaction. I then reached out to the sender asking her what was going on and she told me that her CC info was stolen and her bank mistakenly recalled that transaction. On XX/XX/XXXX I was notified by Venmo that the senders financial institution decided in her favor. Venmo does not care that I have proof the sender made the transaction and all they have to say is that if I cant come to an amicable resolution with the sender I should contact law enforcement or legal counsel. And the sender is giving me the run around. Anyone with a modicum of common sense and morality can see that this should be between Venmo, the sender, and her financial institution. I should have no more involvement. I have done nothing wrong and have proved that. Venmo is stealing money from me.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

One 2-3 occasions, Navient placed my student loans on forebearance without with my request or permission. This was around XXXX and XX/XX/XXXX and XXXX. They automatically put the loan on forbearance even after I had already scheduled loans that were 5 to 6 days late. In XX/XX/XXXX, I called to change the date of my loan payment. The Navient rep stated I see you put your loan on forebearance. I let her know, you guys did ( Navient ). Im not sure if they can legally make the decision to put loans on forebearance for me since they make more money
Consumer complaint received 2021-09-05
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)

I am writing to complain about all three credit bureaus - XXXX XXXX and Transunion.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

I found out when checking my credit report ( XXXX XXXX ) a debt from transworld was reflected on such, no one called me, never received a letter from anyone ..Ive contacted the agency ( trans world ) to get a copy of my debt with them over 2 months ago I hired a company ( XXXX XXXX ) worthless, I told them Ill need to validate my debt if I owe them money Ill pay every penny..yet they told me they dont how long it will take to receive documents..its been over 2 months.
Consumer complaint received 2022-01-16
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. (NC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Consumer complaint received 2021-09-05
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. (CT)

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Over the last several months I went over the limit on my XXXX XXXX XXXX XXXX card by Citi. Nothing was said for many months and I continued to make the minimum payments or more when possible. In XXXX they wanted the entire overage paid which I didnt have so I sent more than the minimum from the previous month, they called and said that wasnt the minimum and as a result I was Past Due I needed to send them an additional {$200.00}. This is not anywhere on the statement. They also bumped the interest to 29.99 %, almost double what it was because I was past due although they got the payment I believed was due on time. In XXXX I paid as much as the 2 payments from the month before on time and now they again say I am past due and want another {$200.00}. They agree that they got my payment on time but say it isnt enough? The statement says the minimum payment is the entire amount over my limit, but when they call, they have this other number they use. It appears they do this so they can keep me at the higher interest rate. What are my rights? Do they have to communicate these numbers to me? They allowed me to go over the limit for months, then decided they wanted it all. I am working on getting it paid off, they are only making it more difficult and in the process destroying my credit. Please help!
Consumer complaint received 2018-02-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I made a payment of the incorrect amount to XXXX XXXX XXXX, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!
Consumer complaint received 2021-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

Hi, My name is XXXX XXXX. My mortgage company is Mr. Cooper. The account number is XXXX. The issue I am having is that they are fraudulently applying a principle only payment to the next months bill that is not even due yet. Specifically, I made the monthly payment for XXXX and a week later I made an extra payment that I selected to be applied to the principle. Mr. Cooper has fraudulently applied this to XXXX 's bill. This is fraudulent because my bill is not outstanding, I have not selected it to be applied to next months bill, and more importantly it skips ahead and does not include the principle payments I will make later in the month which lowers my principle and allows them to charge a higher interest. This is the second time this has occurred. Please see the attached photo of my statement. The bottom circle shows my XXXX mortgage payment on XX/XX/2021. The top circle shows my additional payment of {$3000.00}. However, it is another monthly mortgage payment ( for the following month ) of {$2200.00} plus additional {$780.00} to principle. This should have entirely gone to principle and not to the following months bill.
Consumer complaint received 2019-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was having a problem paying down my CC I called Capital One and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I FILE MY DISPUTE WITH THIS CREDITOR XXXX XXXX XXXX  BACK IN XX/XX/XXXX THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU .YOU ALL SUBMITTED MY COMPLAIN THROUGH FEDERAL RESERVE BANK OF MINNEAPOLIS . FEDERAL RESERVE BANK DID INVESTIGATION ON MY DISPUTE AND THEY SENT ME A LETTER EXPLAINING THE RESULTS AND I HAD A CHANCE TO TALK TO XXXX XXXX ON THE PHONE REGARDING MY COMPLAIN. I HAVE SENT XXXX, XXXX, AND TRANSUNION A COPY OF THE RESULTS AND STILL THEY HAVE NOT UPDATED WHEN THE ACCOUNT WAS CLOSED AND ALSO THE RIGHT DELINQUENT DATE WHEN THE ACCOUNT SHOULD FALL OF MY CREDIT REPORT. THIS ACCOUNT WAS OPEN IN XX/XX/XXXX AND THE ACCOUNT WAS CLOSED IN XX/XX/XXXX.. ALSO I STOP MAKING PAYMENT ON THE ACCOUNT IN XX/XX/XXXXTHAT WHEN I WAS 90 DAYS LATE DELINQUENT. ACCORDING TO XXXX, XXXX  AND TRANS UNION I WAS DELINQUENT ON XX/XX/XXXX/ THAT DATE IS INCORRECT. ACCORDING TO THE INVESTIGATION ON MY DISPUTE IT STATES THAT THE ACCOUNT WAS PERMANENTLY CLOSED ON XX/XX/XXXX.  SO WHY IS THE CREDITOR BUREAU ALLOWING THIS ACCOUNT TO STAY ON MY CREDIT REPORT WHAT IS HAPPENING IS THIS ACCOUNT IS RE AGEING .FROM 7 YEARS OF DATE OF DELINQUENT. SO IF I WAS LATE THIS ACCOUN T SHOULD OF BEEN REMOVE LAST MONTH IN XXXX  OF 2018. ACCORDING TO THE CREDITOR BUREAU THIS ACCOUNT IS NOT DUE TO COME OF UNTIL XX/XX/XXXX WHICH IS NOT RIGHT. I CONTACTED  XXXX XXXX XXXX CARD ON THIS MATTER AND THEY STATED THEY ONLY KEEP RECORDS UP TO 5 YEARS ONLY. I EXPLAIN TO THEM ABOUT DISPUTE THAT WAS DONE EARLIER AND THEY STATED THERE NOTHING THEY CAN DO. I ASK TO SPEAK TO A MANGER WHICH I WAS TOLD THAT SHE WILL BE LOOKING AT THE SAME INFORMATION THAT WE ARE. DISPUTING THROUGH THIS ACCOUNT THROUGH THE CREDIT BUREAU WOULD BE WASTE A TIME AGAIN SINCE IVE DONE IT AND I SENT A LETTER THAT EXPLAIN THE DETAILS OF WHAT A THIRD PARTY FOUND TO BE BUT STILL NOTHING. I HAVE SUPPLY MY XXXX CREDIT REPORT BACK DATED XX/XX/XXXX AND I SUPPLY MY XXXX CREDIT REPORT DATED XX/XX/XXXX AND I SUPPLY THE LETTER FROM FEDERAL RESERVE BANK OF MINNEAPOLIS AND ACCORDING TO XXXX THEY COULD NOT USE THAT FOR MY DISPUTE. XXXX DOES NOT VERIFY YOUR DISPUTE SO HOPEFULLY THIS TIME AROUND IT GET LOOK AT AND UPDATED CORRECTLY. THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT AFTER THE 7 TEARS MARK. THE SAME FOR TRANS UNION AND XXXX I SENT A COPY OF MY CREDIT REPORT THAT SHOWS THE ACCOUNT. I HAVE SUMMITED A COPY OF MY XXXX AND MY TRANS UNION CREDIT REPORT
Consumer complaint received 2019-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

HSBC HAS DENIED ME A CREDIT CARD ACCOUNT ( REF # XXXX ) STATING THAT HSBC CAN NOT CONFIRM MY IDENTITY AFTER REVIEWING MY XXXX   CREDIT FILE. 
IT WAS TOLD TO ME BY HSBC THAT A FRAUD OR SECURITY ALERT WAS ON MY XXXX  FILE AND THEY NEEDED ME TO CONFIRM THIS. 
WHEN I CALLED XXXX, XXXX STATED THERE WAS NO FRAUD OR SECUIRTY ALERT ON FILE, YET HSBC STILL DENIED ME CREDIT.
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yes, I am a victim of a mistake by Missouri Child Support Enforcement. They made a mistake on my case by explaining how their arrears dates work. I was under the clear impression that I was only one month behind on Child Support because I made my payment on XX/XX/2018. However, it was never explained to me that if the payment does not get into their system by the first of the month, it automatically goes into arrears!

It takes my XXXX XXXX autopay about 4-5 days to go through their system. They went ahead rudely and illegally submitted my case to collections which hit my credit report- lowering it and causing a huge problem now with getting the collection off. I immediately called them and put thebalance on my credit card and paid them up in full but now I have a mistake on my credit report! I need help with this.
Consumer complaint received 2021-09-16
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. (FL)

A XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - Citibank N.A. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by XXXX would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MD)

In XX/XX/2020, I was involved in a auto accident that totaled my car. My auto insurance company paid Allyauto {$12000.00} and a balance was due of {$1500.00}. I have a GAP insurance policy that pays the remaining balance. XXXX XXXX my GAP insurance company paid {$640.00} on XX/XX/2020. When I spoke with XXXX XXXX they said they will be making another payment and the car dealership will be making a payment to pay the total due to Allyauto. Allyauto continues to report to the Credit Bureau that I have not made payment for this car, when they know that this is a insurance claim and I am not responsible for making payments.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This is a debt the should've been paid by the insurance and the father XXXX XXXX whom is court ordered to carry insurance on the children. It also has been refiled multiple times so the dates change to not fall of at the 7 year mark.