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: 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. (NJ)

I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for 1099-c form and was not provided that
Consumer complaint received 2015-05-14
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Blackhawk Network Holdings Inc. (FL)

Used XXXX to load money on my prepaid PayPower XXXX card but it was not added to my account. Have a confirmation receipt from XXXX, have the actual hard copy of the receipt that I have emailed XXXX times to the company and called close to a dozen times, spoke with several supervisors but yet over and over again they pass the buck and can not offer a resolution. It has been almost a month and still they have not credited my money.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I responded to the letter sent to me from Capital One in regards to a transaction that I did not authorize. The merchant had told me that my card was declined and the bank had even alerted me to fraud from this merchant ( I was not notified until I had cell phone service and that my card was eventually cancelled and a new one sent to my home ). I have tried reaching out to the merchant as I did not authorize these payments from my cards and someone else from my group had paid for the services ( which was also not provided with any receipt ). The bank is asking me to contact the merchant which I have tried to do but they are not responding to my phone calls. I have asked Capital One exactly how I can appeal this decision and this morning ( XX/XX/2022 ) I spoke with XXXX in transaction support and he told me the effectively I could not appeal the decision taken by the bank, that the onus is on me to produce receipts when I was not given any to begin with. I understand the necessity to ask for receipts, but I also know that the merchant does not have a signed receipt from me because I never authorized the transaction. I want to know what the bank can do to contact the merchants bank since the merchant does not want to communicate with me. The transaction date was XX/XX/2022 amount {$130.00} and the dispute with the bank is XXXX
Consumer complaint received 2022-07-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX-XXXXXXXXXXXXXX Balance : {$390.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-03
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. (CT)

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, that you investigate these accounts. 



XXXX XXXX. XXXX, XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. XXXX XXXX I never made a late payment on this account, please correct. ACCEPTANCE NOW XXXX I never made a late payment on this account, please correct. 

I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically XXXX XXXX sections XXXX ( XXXX ) and XXXX requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to NAVY FEDERAL CREDIT UNION. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (MD)

The original debt was to XXXX in the amount of {$380.00}. The debt was sold to an investor, Trident Asset Management, XXXX. XXXX XXXX, XXXX GA XXXX Phone : XXXX who placed it on my credit report. In an attempt to clear the obligation, I telephoned the debtor and offered payment arrangements. They told me to go on their website, input the debtor 's name and the last 4 digits of my social security number and input my payment amount. I tried to do this twice and received an error message saying my debt could not be located on the payment website. I am filing this complaint as a result of this activity.
Consumer complaint received 2015-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery continually calls my home number. I have informed them repeatedly that the debt they are pursuing is not my debt. I have informed them that the last XXXX SSN # digits and the birthdate they have on record of the alleged debtor is not mine. I have a common surname and first name. I have given Portfolio Recovery express orders to not contact me yet they continue to do so. They will not answer query 's from me about who they are and why the still call my home number. I do n't know if Portfolio Recovery is even their legitimate business name. It is the name that displays on caller ID. They are rude and uncooperative. Thank you for your consideration in this matter.
Consumer complaint received 2017-10-13
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. (OH)

There are two issues at hand : 1st issue is that I have a mortgage with XXXX XXXX, that was set up last XXXX, and it is still not reporting on my Transunion file, it is how ever reporting on the other 2 agency 's, I have called mutiple times to get it corrected and get some one overseas that tells me that that I have duplicate files, I told them there are 4 XXXX XXXX XXXX in XXXX County,  Ohio, but it 's never been corrected as of today, I have reach out to XXXX  and they state they are reporting. 

2nd Issues, is that we did a tax settlement with the IRS, the IRS agreed and we file the paperwork to remove the reporting of a Federal Tax Lien over 7 years ago, mutiple letters and calls to get it resolved, but it 's still reporting.
Consumer complaint received 2017-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BofA ) is in conspiracy with XXXX XXXX  located in XXXX XXXX CA and XXXX XXXX XXXX ( XXXX ) located in XXXX, CA. The XXXX extortionists companies filed Notice of Default ( NOD ) without notifying my family last year XX/XX/XXXX, our home is in foreclosure and they set an auction date on XX/XX/XXXX, so they are involved in predatory lending/debt collection. Our home loan was modified in XX/XX/XXXX and our mortgage payments are current with XXXX, which is BofA 's financial partner, so we are not aware of this 2nd loan from BofA,  XXXX XXXX XXXX. They are harassing my family to take our home by foreclosure and high pressuring us to make $ XXXX down payment on XX/XX/XXXX and starting XX/XX/XXXX $ XXXX monthly payments for 6 years and repay $ XXXX in lumpsum payment after 6 yrs of repaying their collection billing/repayment plan. Our family is suffering from severe financial hardship because we are a one-paycheck household, my husband, who is the primary borrower, is unemployed. We have XXXX school age children and I have very expensive healthcare expenses because I have XXXX XXXX.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I have repeatedly provided a plethora of evidence to the CFPB and nelnet proving it impossible that I attended the school they claim I did in 2012. Both the CFPB and NELNET are refusing to help. This is criminal and needs to stop now. I will not stop filing complaints until the issue is addressed.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CO)

During closing, I notified the mortgage servicer that I felt that the escrow amount was not considered reasonable, as their estimate of taxes did not accurately reflect the tax law in my region/city. They requested a much higher escrow amount. I then attempted to have them review their escrow analysis multiple times, to no avail. 

Now, there has been a large disbursement ( it seems ) from escrow but there has been no notification or no log of such disbursement. When I view how much is in escrow, the amount decreased by $ XXXX with no notification of where my money went. When I log-in to review escrow documents, I see documents associated with Insurance, tax, PMI disbursements, but there is no log of this $ XXXX disbursement. I am not sure how much my escrow actually dropped because there is no backup available to me. I have waited over a week just in case it was a delay on their side, but still nothing. I wouldn't have known this amount was disbursed unless. I was notified that my mortgage servicer was going to transition to another mortgage servicer within the next week and I am extremely worried that I will lose any and all visibility to this $ XXXX escrow disbursement. 

I have now called 5 times over the past 2 months and can get no answers.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

Greetings, My wife incurred medical bills from her XXXX ; our insurance was late on paying a number of the claims. However, IMC Credit Services, obtained some of our accounts receivable that were inaccurate, had incorrect itemized statements, or for items that our insurance had already paid. I was confused with what to do with IMC, as they used tactics that made me think I would be sued if I did n't pay them. 

Recently, I received a demand letter from them that stated balance owed of {$0.00} and it had my wife 's named spelled incorrectly. My wife and I reviewed our credit reports and there is a collection account listed under both of our social security numbers. I 'm unsure how my name is listed if I did not incur any of the services. 

We would like IMC to remove any reporting of this bill on our credit reports. 

Sincerely,
Consumer complaint received 2022-07-20
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. (GA)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain information in my file which I believe is possibly an Identity theft. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I don't know what happened. 
I was doing smoothly with this company for more than a year. my account is already verified. 
But today I was shocked because they limited my account. 
I can't withdraw my money and I cant receive payments. 
I still have money in my account that I can't withdraw. 
They did not send me a notification either what is happening to my account to give me an option to resolve it if it has a problem. 
My account has still {$1700.00} USD, I was so disappointed with this. 

My email linked in PayPal is ( XXXX ). 

Please help me to resolve with this. 

Thank you so much.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a new employment added to my credit report that I have never worked for and I had like XXXX cards open in my name sent to me that I did not apply for using that new employment. I have paid off most of those credit cards. But I want new employment taking off my credit and all the inquires from this year. Someone has used my information before that 's why when I file for taxes I have input a code. But all of these new inquires and credit cards have really lowered my credit score. I 'm currently unemployed.
Consumer complaint received 2022-02-03
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: BMW Financial Services NA, LLC (AZ)

BMW Financial Services has refused to accept a payoff on my lease account from a third party car dealership. The lease contract does not specifically prohibit this ( signed XX/XX/XXXX ) and BMW FS implemented this policy in XXXX of XXXX, in order to force the lease holder to turn their vehicle in to BMW, so that BMW may benefit and profit from equity in the vehicle due to the tight auto market. This is a deceptive practice as this was not expressly discussed at lease signing, did not exist at that time, does not specify in the contract, and harms the lease holder by denying equity they have earned.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One XXXX charged me interest on my previous balance before the due date of my statement. My XXXX XXXX, 2016 statement balance was {$590.00} with a due date of XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016 : 12 days before the due date. However, my statement dated XXXX XXXX, 2016 states that Capital One charged me interest in the amount of {$5.00}. This is the second time that Capital One has charged me interest when I paid the balance in full.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The last payment on this account was XX/XX/XXXX.XXXX claim the last payment XX/XX/XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX ext- XXXX and spoke with XXXX on XX/XX/XXXX at XXXX she advised me that XXXX XXXX do n't have the account. How can XXXX report to the credit bureaus the last payment but they cant send me the last payment identifier..
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX / XXXX / {$120.00} XXXX XXXX XXXX XXXX {$0.00} I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) / XXXX / {$470.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I asked for the original company to provide me with the account number and information, I was told my account was sold to a different company. I asked this from all three credit companies, XXXX.Equifax, XXXX these companies have violated my privacy.By fair action law each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of its customers no public personal information according to the law15 USC 6801 they have failed to delete the disputed information that had been requested, By law all debts on my report must be deleted, these errors on my report are stopping me from moving forward in life, and is causing a great toll on me and my children life.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

here is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.