davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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. (AZ)

In XXXX of 2022 I submitted by mail a hand written dispute with documentation directly from XXXX XXXX regarding the reporting balance. XXXX XXXX provided me documents of my loan balances to submit for the dispute. My credit bureaus have fraud alerts and are frozen due to past identity theft. I requested for the bureau to either correctly update the balance information or DELETE it due to inaccurate reporting per my FCRA rights. The company continues to report the same information even though proof has been provided. They are reporting XXXX balances, {$94000.00} and the accurate balance is {$71000.00} and another amount of {$3300.00} and the balance is {$2700.00} per the supporting documents directly from XXXX XXXX. I have as of today spoken to XXXX representatives and to no avail any mutual understanding. They continue to insist to continue disputing even though it has been done several times before.
Consumer complaint received 2022-01-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: MUSA Holdings, LLC (TX)

On XX/XX/XXXX, I contacted Musa Auto Finance to break the lease of a XXXX XXXX XXXX that was leased due to my then ex-wife and I moving to XXXX under her military orders. I spoke with XXXX XXXX as can be noted in the emails. She was going to check with the legal department and get back to me about coverage under the SCRA for spouses. She sent me paperwork but I did not sign the voluntary surrender agreement form to be held responsible for the balance as can be noted in the second email. XXXX XXXX was going to get back to me about coverage and if not, the vehicle would be returned to me and the lease to continue which was not a problem. Instead, after my return to XXXX to settle affairs, we made agreements for the vehicle to be picked up without the responsibility form being signed as the legal team was still " looking into it. '' On XX/XX/XXXX she contacted me saying they needed to pick up the vehicle and I asked them that if I could have the option of having the vehicle back if they found out I was not covered. She said yes and we scheduled pickup of the vehicle mind you as the last payment had been made on XX/XX/XXXX. XXXX XXXX- I called her and XXXX in XXXX and XXXX and they assured me the vehicle had been sold ( XXXX said XXXX, paperwork on their end says XXXX but the bill of Sale says XXXX ) and there was no balance. XX/XX/XXXX- They started sending balance delinquency paperwork and even reported collection on credit report. Had it disputed/removed. On XX/XX/XXXX, I contacted MUSA 's billing department and they stated there was a deficiency letter dated XX/XX/XXXX. In this email, they note their notes from XX/XX/XXXX to XX/XX/XXXX were of me being advised of not being covered under the SCRA but yet the bill of sale attached is dated for XX/XX/XXXX. That email, outlines the dates and facts I provided to them to have someone hirer up respond but never did. I have since then filed a XXXX complaint against the new company name of XXXX XXXX ( Case # XXXX ) in which they responded that the account had been sold to a collector, ( XXXX XXXX XXXX, XXXX XXXX, TX ) who I also opened a XXXX complaint ( Complaint ID # XXXX ) and they removed the account only to reinstate it after 2 weeks. Attached are the emails between myself and XXXX XXXX on behalf of Musa Auto finance, the call logs spanning from XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  complaints including the responses from both companies.
Consumer complaint received 2020-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

Someone tried to open a Paypal account using my ID information. It was not approved based on Risk of Invalid identity. I called the Company to let them know. They said it was not approved anyway. My reference number for the letter that I received is XXXX is from Paypal dated XXXX 

I put a Credit Freeze on my three Credit Reports and also have a I have an identity Protection service. 

On XX/XX/2020 I received a paypal cash card for me to activate it. 

I really believe that Paypal is doing the Scamming. When I call them it direct me to put in the card number with my SSN.
Consumer complaint received 2022-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (FL)

I ordered an XXXX laptop and used Affirm to pay the purchase off on installments. The laptop was supposed to be delivered using express delivery on XX/XX/2022, but the date was changed to XX/XX/2022 then XX/XX/2022. So I canceled the order with XXXX then immediately contacted Affirm to request my first payment be refunded that I made on XX/XX/2022. Affirm informed me they had to open a dispute then canceled my autopay until the dispute was resolved. They asked me multiple times to upload the same documentation showing I contacted XXXX as well as all attempts to cancel the order along with XXXX 's response. I provided the information multiple times including documentation that the order was canceled as requested after a lot of back and forth with XXXX. Affirm then asked for XXXX 's shipping and cancellation policy which I also provided. XXXX is XXXX of Affirm 's preferred merchants. Once I provided everything a second time I was told I need to wait until XXXX returns their money before my refund can be processed then it will take 3 to 10 business days. After receiving their money, I get an email stating the transaction failed so I need to verify the address for a check to be mailed in 16 business days. Please keep in mind the same payment method used to make the first payment as well as the address are both on file. Nothing has changed and this isn't my first order with them. When I contacted them because no attempt was made to my bank, I was told it was done automatically and the only error provided " Processor error '' so it needed to be mailed. When I asked how's that possible same system received my payment. He couldn't say. It's nerve racking negate he kept reading from a script. So I provided my address and told him it's the address on file since opening the account. This company appears to want to keep my funds as long as possible before returning them. I don't think the credit was attempted on my account but part of their delay tactics. When I asked that my account be closed as soon as my check is mailed, I told I'll have to call back to do that.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OH)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2021-06-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/2019 I bought and financed an auto, XXXX XXXX XXXX  from the dealership XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Fl XXXX. At the same date I bought service protection for this auto. The purchase is financed through Honda Financial Services. I continue to pay interests on the total amount of the purchase including the service protection plans that were cancelled. 
In XXXX less than 60 days after the purchase I went to the XXXX XXXX XXXX and cancelled the following services as listed below : XXXX XXXX XXXX  contract cost : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX cost {$290.00} XXXX XXXX XXXX XXXX  cost {$470.00} I have the cancellation registration form for these services. I contacted the service providers and they confirmed that the coverages listed above had been cancelled in XXXX. I never received the credit for the total amount of {$1200.00}. 
I have tried to reach XXXX XXXX XXXX several times about this issue and the company never returned my calls. I contacted Honda Financial Services and the issue has not been solved. To this date I am still paying interest on the amount above and I have not received any credit for the cancellations of the protection plans.
Consumer complaint received 2024-02-22
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)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation.
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

All hard inquiries on my credit report are being reported in violation of the FCRA. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2022-12-27
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. (CO)

I have sent two letters to Experian, one in XX/XX/2022 and the other in XX/XX/2022 regarding an account that they are completely reporting inaccurately. 

They have listed the account as " verified consumer disagrees ''. However I believe this to be false, due to the fact that if they actually investigated it, they'd see how THEIR reporting is NOT ACCURATE. 

1 ) The account is CLOSED- they have it listed as OPEN. 
2 ) They have a balance reporting, it should be XXXX. 
3 ) The Payment status is reporting " current was past due 180 days or more '' which is INACCURATE- look at the two year history there is not a late payment on there at all. Secondly, a payment status is supposed to be THE CURRENT PAYMENT STATUS - which would be " Paid as agreed ".

4 ) They do not have a last payment date, last active date is incorrect This is ALL WRONG and it is NOT the furnishers error- it is EXPERIANS MISREPORTING of information. 

Ive attached BOTH letters I send via certified mail, as well as a copy of my credit report supplied by Experian highlighting the inaccurate information.
Consumer complaint received 2022-01-19
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my Experian and XXXX credit files be permanently expunged. Both Experian and XXXX have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( USPS XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
Consumer complaint received 2023-04-10
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. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-05-02
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. (TX)

I had sent XXXX round of dispute letters. The first round of letter was sent and received on XX/XX/2022. I ask the them to check the info on the collection because I believe I saw several discrepancies and to provide me with the actual contracts. Remove anything you can not provide signed, original contracts for that correlates to the accounts in question. They update it but didnt provide me with the actual contract! Then I send the second round of my dispute letters and they received it on XX/XX/2022. They deleted XXXX account but updated the others and still havent provided me the actual contract to the accounts. Which are required to do this under the FCRA XXXX provision. Experian
Consumer complaint received 2023-01-03
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. (NV)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-19
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. (DE)

Trans Union is reporting a {$130.00} balance and saying being reported accurately. This is not true. Two times I filed a dispute with trans union both times they reported information being reported accurately there is a balance of {$130.00}. Twice I have spoken to the creditor XXXX XXXXXXXX and they assured me they reported to trans union this is paid and XXXX balance. But trans union claims there reporting this accurately.
Consumer complaint received 2022-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (MD)

My Citi Credit card provides a XXXX score when I log into my account. This score is supposed to be from the credit bureaus however the number appearing on my Citi account is completely different over XXXX points less then my actual scores with the three bureaus. I have reached out to all three bureaus to make sure my accounts have not been compromised. I also reached out to Citi that the number they are reporting seems to be inaccurate and might be linked to someone else ( I.e. a bad API link on their system ) because the bureaus all have my data correct and up to date. The score also matches my credit monitoring service to Privacy Assist. Citi is not will to look into this issue and continues to send me emails about my score going down, issues, etc. This is clearly a problem with their system. If they are not going to report the right information they should remove this data from their service offering.