davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (OH)

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the fair credit reporting act, XXXX  account # XXXX and account # XXXX has violated my rights 15 USC 1681 604 A states that I have the right to privacy 15 USC 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Consumer complaint received 2016-04-03
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX I went online and made a payment to my Paypal Extras Mastercard in the amount of {$490.00} using my checking account debit card as the payment source. I later learned while reviewing my checking account statement that the amount posted to my account for this transaction was {$600.00}. I researched the transaction and discovered that what Paypal did is modify my payment amount without my knowledge or consent. My Paypal account ( not really related to the Paypal Credit Card which is owned and managed by XXXX XXXX ) had a negative balance of {$110.00}. To bring this out of negative status Paypal added this balance to the payment amount I selected and charged the new amount instead of the amount I chose. I notified my bank and wrote a letter to the Attorney General Office of NYS who then forwarded my complaint to Paypal for a response. Paypal indicated in their response that the Paypal User Agreement granted them prior authorization to make this change and so they were acting within their rights. After reviewing the User Agreement and response from Paypal this is absolutely not the case. Paypal acting solely upon their own discretion posted a charge to my bank account that was greater than the amount I permitted. I 'm hoping the Bureau of Consumer Financial Protection can help me bring justice and stop Paypal 's illegal billing practice from happening to other users.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (LA)

I, consumer, natural person, living woman was discriminated against by Goldman Sachs when I applied for an Apple Card. 

On XX/XX/2022, a consumer credit transaction occurred the moment I filled out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, Goldman Sachs, accepted my application you also accepted fiduciary responsibility. 

Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Goldman Sachs, the unauthorized use of my credit card, and I did not receive ANY BENEFIT from this transaction 15 USC 1602 ( p ). My consumer report was negatively impacted proving the transaction did in fact go through. 

Best Regards, XXXX : XXXX [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved
Consumer complaint received 2021-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

due to covid 19 I had called td bank to close my account back in XXXX of 2020 but there was some founds that was never deposited in my account. I was advised not to worry that they were going to fix it and take care of the situation. this went on for months and kept getting charged all kinds of fees. I finally got a hold of a lady that realized what was going on and she finally got me to the right person and they closed the account. but went I asked them to refund me for all the charges I accrud due to there mistake they told me they could only go back two months. If I did that to td I would have the fib at my door.
Consumer complaint received 2017-05-21
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: TRANSWORLD SYSTEMS INC (GA)

I did not try to fix it because I do n't know this company and they want me to verify my personal information to people that call me. I have NO contract with this company nor have I ever heard of them.
Consumer complaint received 2020-08-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AR)

I have tried to dispute some items off my credit report with Equifax and I am unable to do so. Their website will not allow ANY disputes to go through. Specifically, I am unable to dispute anything on my credit report and there are items on my credit report that should not be there. For one, XXXX XXXX. There are others however, I am not able to see them nor dispute them. Please see my original complaint I submitted last week below. THIS IS A NEW DISPUTE not an existing one. I need a copy of my report and I need to be ABLE TO DISPUTE incorrect items off. 
XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX, XXXX  and Equifax as well.  They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit report with Equifax. There are also other items on Equifax report that I need to dispute.
Consumer complaint received 2023-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

My loan number with selene finance XXXX my social security number is XXXX XXXX my complaint is that selene finance refuses to put me on a repayment plan I'm XXXX XXXX payments behind I recently sent in a payment itold them that I was a little late but they told me that I have to do another workout sheet. My complaint here 's is that I'm worried that they will still denied my application and also their was a news media report that selene finance is unlawfully filing foreclosures on people that are three months behind and telling them to do short sales. Even when they still apply for a repayment plan. And their a class action suit against them. So what I'm asking selene finance is to put me on a repayment plan I attend to keep property
Consumer complaint received 2022-02-14
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: LEXISNEXIS (FL)

A letter of dispute was sent to Lexis Nexis and received by the company on XX/XX/22, see attached certified receipt. In my letter, I requested an investigation into a record being reported on my consumer report. In accordance with 15 U.S. Code 1692g - Validation of debt. Lexis Nexis has 30 days from the date of receipt to investigate any disputes regarding erroneous items. As of XX/XX/22, no response has been received by Lexis Nexis.
Consumer complaint received 2015-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My TransUnion ( TU ) credit report has the incorrect information as to my " Account Age '' which factors into my credit rating and is why my TU credit score is significantly less than XXXX. TU is reporting the Length of Credit History as only being 13 years and 0 months, Average Account Age of 5 years and 11 months and the Oldest Account being with the XXXX XX/XX/XXXX. The correct information which is being reported by the other XXXX above mentioned credit agencies should be as follows : Length of credit history - 21 years, 10 monthsAverage Account Age - 7 years and 11 monthsOldest Account - XXXX XXXX open XX/XX/XXXXEssentially TU deleted my oldest account ( XXXX ) which has now changed all of the calculations for my " account age ''.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (WI)

I believe Citi has engaged in deceptive advertising practices with respect to usage of their thankyou points on a XXXX credit card and has erroneously charged me for a recent purchase on XXXX that should have been automatically done using the thankyou points, for which none of the three ( 3 ) customer reps I spoke with took any responsibility nor attempted to resolve the issue in any way. 
Here is what happened. I have accumulated XXXX points and wanted to use those points on XXXX. Thus, I checked the " How do I use my ThanYou points to shop at XXXX '' directions on Citi 's website, which state the following : " Simply add your eligible Citi credit card to your XXXX account and use it to make a purchase to automatically activate the ability to use your points. '' I followed those unambiguous directions, added my Citi Thank You XXXX credit card XXXX to my XXXX account, and used it to make a purchase, only to find out that I had to take another step to be able to use my points, so not only did I not use my points, but now Citi is telling me I will have to repay the purchase I made on XXXX using Citi credit cards, which should have automatically been done using my points.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/2015 I applied for a mortgage loan and was informed by the creditor that I had an outstanding $ XXXX balance with XXXX XXXX. Upon some research, I looked at all three bureaus and noticed only Transunion was reporting the past due balance. The other XXXX bureaus, reported it correctly as " XXXX balance settled in full. '' On XXXX/XXXX/2015 I filed an initial dispute with Transunion using file # XXXX. I received notification in writing from Transunion on XXXX XXXX indicating they had updated my report. I reviewed their changes and noted that they did not resolve the issue, and continued to report a past due balance, but instead of it being $ XXXX, it was $ XXXX. I re-filed a dispute with transunion on XXXX XXXX, 2015 and received a response on XXXX/XXXX/2015 with an updated investigation that still showed the issue to be present. To summarize, the past due balance being reported on the XXXX account # XXXX is incorrect, I do not owe XXXX any money. The account was settled in full via a short-sale done on the collateral property. The continued reporting of a past due balance is incorrect. I have asked Transunion to conduct an adequate investigation and they have fallen short. I have contacted XXXX and have been unable to do so, I have documented and spent XXXX hours on hold, being shuffled around to different departments and being advised " the next department is the correct one '' based on the contact information being provided to XXXX by Transunion. I also wrote a letter to XXXX and have not received any response in over 60 days now. If I ca n't get a hold of XXXX to clear this up, how is Transunion verifying this alleged information?
Consumer complaint received 2015-09-14
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Michael Harrison, Attorney at Law (NJ)

I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have asked for XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX to be removed from my TransUnion Credit Report. I sent in the information that should be there. The information is still on my credit report as of today. I would like for the information to be updated ASAP.
Consumer complaint received 2022-09-06
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. (GA)

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CO)

I received a copy of final loan documents via docusign on XX/XX/20. My loan was scheduled to close on XX/XX/20. When the notary got here, the loan amount had been reduced from XXXX to XXXX. The cash due to borrow had been reduced from approx XXXX to XXXX without any advance notice. 

The notary and I tried to call Citimortgage repeatedly to find out the cause of the change and were unable to reach anyone after calling XXXX XXXX, his manager, the loan processor XXXX. 

I did not sign the paperwork as have not received a final copy of closing which is required by law prior to the closing. 

I appreciate any help you can lend with understanding what has occurred and why. It has been approximately 7 months since I initiated the loan. I have responded timely to every request and don't understand what occurred that resulted in this last minute change without any prior notice.
Consumer complaint received 2022-08-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my XXXX and Equifax reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have disputed these accounts. They are not charge off or wage earner plan accounts. They were filed in my bankruptcy XX/XX/2010 and listed in the mailing matrix that the US Bankruptcy court has on file. They are reporting Target # XXXX, # XXXX accounts as Charge-offs. XXXX XXXX # XXXX as a Wage Earner Plan. They are reporting false information and should be listed as included in bankruptcy. This has affected my credit.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (WI)

I did not authorize these companies to have my information. I have reported this information to the police as identity theft. I have also filed a complaint with the ftc as I have requested information on these account to XXXX, Experian. I have the right to privacy! This is identity theft I never received any benefit from these unauthorized inquiries neither do I have any accounts with these companies. There has to be permissible purpose and I never gave consent in writing, verbal to report anything to my consumer file. Attached is the identity theft affidavit of all the accounts and address that are non mailable and unauthorized.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (UT)

XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-04-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (AK)

This company is claiming to have purchased medical debt from a previous debt collector. This company has no legal right to possess any medical information about me and I never signed any release of any medical records to this company. They claim I owe XXXX. I demand any and all proof that I have any medical connection to this place to be mailed to me. I also demand proof of certificate allowing collection practices for my state. Plain computer printouts is not acceptable. I demand to see my real information such as any signature and itemized medical charges with this company that enabled them to have medical knowledge about me. If they cant prove this, next step is the Alaska Attorney General.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX-XX/XX/XXXX my credit report was pulled to purchase a house, there were no inquiries reporting at the time, my report was pulled. After recently going thru the initial steps to buy, i noticed that there are inquiries now reporting on my file, in which i did not authorize.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I started with disputing accounts with credit bureau because last payment dates were wrong, all account are over seven ( 7 ) years old. I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way that statement can be true is if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. It helped but some accounts were duplicates. Then the dates on reports that remained began changing again. In fact on XXXX ( XXXX ) accounts opening dates were changed and closing dates removed making it look like their open and in collection. This was after original creditors had removed them from credit report. The accounts were different at each credit bureau web site XXXX had account numbers XXXX did n't. and some were duplicate account numbers with different information. It 's hard to know which is real account. I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. There are so many XXXX XXXX accounts with different information I have to file all of them because I ca n't tell which is the original one, there was only XXXX XXXX XXXX card. I am working off of XXXX credit bureau with this complaint, it has account numbers maybe they will help, even if numbers have changed there better than nothing. All of the credit bureaus are the same in one respect, none have any payment history on any accounts that are in question. I have my past seven ( 7 ) years of bank statements and there were no payments made on those dates in fact no payments were made in those seven ( 7 ) years. I do n't know what is left to do. I 've disputed and contacted all XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX creditors and the XXXX in collections and I guess because of duplicates on most derogatory accounts a lot still remain.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

I sent money by XXXX to ally auto financing in XXXX XXXX 2015 and they will not apply the XXXX payments totaling {$630.00}. I only have XXXX more payments to pay it off and they are threatening to take the vehicle. I have talked to them several times to try and resolve this, but they will not apply the money. 
What are my options?