davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (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  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 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 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (VA)

On XX/XX/2022, I had {$150.00} deposited into my current account. Approximately two hours later, {$120.00} was taken by a company which I had blocked weeks before at the advice of current when I told them that the company has a rputation for taking peoples money. That company I had ordered some wrinkle srum through and I recieved an email trying to say I owed them money which is not the agreement I made with them. I paid the shipping of {$9.00} each for two products, this was deal I was suppose to get for the first time trial of the product. Current allowed the company to take it anyway. Then they refuse to give my money back. I must contact the merchant they said. I did and they said they would refund my money back. The charg had cleared as it shows on my account and I will be sending you screenshots of this with this complaint. The refund is even showing as pending on my account. I spoke to someone last night and I have sent several emails to current over this. The person last night told me like three of four diffrent tales. I have the screenshots. They said I didn't recieve a refund, my money was never taken that the charg reversed, the refund was pending, and that I don't have a refund that's another charg. I have the screenshots to prove all of this. The person made XXXX with saying it outright to my family and everything because I told them they will be looking for a new job. I explained XXXX XXXX is against the law. They said that they can send my XXXX stateme t showing my balance is XXXX. I t et I'd to send them screenshots showing the refund and where my money was deposited and taken. Where is my money if it wasn't taken? The deposit was made it shows it all on my end on the app. I canr pull up statement for XXXX. I disappeared. It shows on XX/XX/XXXX that my deposited {$150.00}, but doesn't show the {$120.00} charg on the XXXX statement. It shoes it on my recent transactions though and I have photos of all of it. It shows pending refund as well but they won't put my money that should of never been taken back in my account. Thanks my name is XXXX XXXX XXXX.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I requested a payoff letter from my mortgage servicer - the payoff letter received was dated XX/XX/2022 and good through XX/XX/2022. An outgoing wire was sent to the servicer on XX/XX/2022 at which time the wire was then returned to my attorney 's office on XX/XX/2022 as short funds. 

I then requested an updated payoff good to XX/XX/2022 - a wire was sent to the servicer once again to pay the loan off in full in which I was told the payoff was still short as yet another advance was made on my loan. I requested an additional payoff letter and was told I was not authorized to do so that I would have to go online to obtain and submit authorization on my own account. As I explained I do not have internet access and had to call to get the payoff I was directed to a supervisor and had to leave a message. I am merely trying to payoff my loan in full, but it is costing me XXXX upon XXXX of dollars.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mandarich Law Group, LLP (IL)

XXXX XXXX XXXX has filed false claims against me alleging that I owe the company credit card debt. They brought legal action to the circuit court of Illinois, and I willfully answered and tried to reason with the Mandarich Law Firm they hired to illegally collect the alleged debt. I've sent countless responses to try and rectify the issue and seek remedy, but they persisted on unlawfully and did not comply with any written demands regarding the billing error and debt validation I expressed. They ultimately won a default judgement in error due to my absence because of medical reasons. Now, XXXX XXXX XXXX has Mandarich Law Firm illegally GARNISHING my wages unlawfully. This is Theft and Fraud due to the false and misleading representation of the alleged debt. The alleged debt is a billing error that was never rectified, and I did not have any full disclosure on the accounting and details of the contract that was entered between XXXX XXXX XXXX and myself. I was never sent a true bill invoice lawfully demanding money, only statements and threatening letters regarding extortion. And now my wages are being garnished by 15 %! I wish to settle this matter at once.
Consumer complaint received 2022-12-02
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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)

Well, XXXX XXXX, consumer has stolen my information to sell to the credit bureaus Trans Union violating my privacy act and my civil rights on the federal law its a violation to sell personal information and its call identity. Also the United state bankruptcy XXXX, never verified a validated the information you are selling and providing to Trans Union as I have received a letter from them that The United States Bankruptcy XXXX does not report any Information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Bankruptcy filings are publicly avallable records.
Consumer complaint received 2022-12-02
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: Convergent Resources, Inc. (FL)

Convergent account # XXXX is blatant inaccurate information and according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Consumer complaint received 2022-12-02
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries and reported information listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, not my inquiries or checking accounts and is the result of identity theft : XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  with a balance of {$900.00} and XXXX XXXX  with a balance of {$5600.00}
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

RENT RECOVERY SOLUTIONS LLC CONTINUES TO VIOLATE MY CONSUMER RIGHTS PURSUANT TO 15 USC 1692G!!

I have sent Rent Recovery Solutions LLC information directly through Certified Mail which will be my ONLY form of communication. I have asked this company DIRECTLY through certified mail to respond via mail pursuant to 15 USC 1692G, where it clearly states a consumer must notify that a debt is being disputed IN WRITING placing the debt collector on notice that an alleged debt is being disputed. It has been OVER 30days ( which is over the time allotted for a companies response according to federal law ) since I sent this request DIRECTLY to the company following FEDERAL GUIDELINES. Rent Recovery Solutions has NOT responded to my DIRECT form of written contact in abidance and accordance to what Congress has stated the PROPER way to dispute a debt.

I have sent certified mail with a signature requirement ( that WAS signed by this company ) and they continue to violate my right to dispute by not abiding by federal laws in my formal written request, and Rent Recovery Solutions is now trying to tell me how I need to communicate with them via phone, when I am choosing to communicate ONLY by mail.

Rent Recovery Solutions LLC is also continuing to furnish this information to the credit reporting agencies which is also a violation of 15 USC 1692g.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (GA)

Received a letter in the mail that I got approve for refinancing AUTO PAY! Prequalified saying it wont affect my credit. Scan and change my mind. Woke up next morning and saw numerous financial institutions pulling my credit i called each one. I called and told each one i didnt approve it. They told me to get with AUTO PAY. I called twice 1st time they told me they will pull my application due to error. I called the next day cause my credit was being pulled again. Next day a different story saying i apply. I said no i did the inquiry and repeated with previous person told me. I was hung up on like i was bother. This a true scam. I need to know my next step before i get a lawyer. I didnt up load no documents proof that was me or anything. The rate prequalified was still high i didnt go forward. I been scam.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UMB FINANCIAL CORPORATION (CA)

On or about XX/XX/XXXX, I applied for a UMB credit card per the invitation of a retailer that is a co-brand partner with UMB. Approximately one week later, I received a letter from UMB dated XX/XX/XXXX referencing application ID # XXXX. The letter stated I needed to fax them the following documents : 1. Utility bill ; 2. Government ID ; 3. Rental agreement ; 4. Social security card ; 5. Bank statement. The first, third and fifth documents needed to show my current address. I successfully faxed these documents to UMB per their instructions prior to their stated deadline. On XX/XX/XXXX I received a letter from UMB stating that my application had been denied and the only reason they provided was " Primary Phone Number. '' Federal law mandates that UMB must provide THE actual reason why my credit application was denied and that the reason must not be cryptic or nonsense. The law requires the reason provide the applicant with useful data that can enable them to understand and improve their credit. UMB has dismally failed to do this. I believe UMB is making their decision based on either XXXXXXXX XXXX  or other illegal discriminatory reasons. The primary phone number I gave is not in my name because it is part of a general phone service with multiple lines on my husband 's account. Also, because of XXXX practices, I do not share my husband 's last name.
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2022-12-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Navient Solutions keeps contacting me the last time they contacted a gentleman kept stating I need to pay my loan in full for {$36000.00}. I stated to the gentleman I do not have that type of money and stated as all my calls from Navient are recorded calls I dated every time I needed my loan payments lowered due to loosing my job and not being able to afford the high payments. I stated I could only pay {$25.00} a month as I have many bills to pay. The gentleman told me to post date a payment and I stated I need an email stating this information because I will not just give anyone my person information. This gentleman is unprofessional and is very demanding. The telephone number that keeps contacting me is XXXX. 

I have the voicemail messages if needed
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) : 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 2022-10-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-09-22
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. (TN)

My personal information has been exposed by mutable Companies starting in XXXX by XXXX. In XXXX I received a letter from the IRS that someone was using my identity to file their taxes. In XXXX I was notified by a XXXX insurance billing company called XXXX that has sold my information to the Dark Web. In XXXX XXXX XXXX notified Me that my identity was exposed in a data breach. In XXXX XXXX Tennessee XXXX XXXX notified Me that my identity was exposed in their data breach. In XXXX a company XXXX XXXX services notified Me that it's computer servers were hacked and that my identity was involved. I have tried to get the credit bureaus to take this matter serious because it has ruined my name and my Credit. Prior to XXXX my credit was very good. Anyone can see the trend on my report. I have had problems with the credit bureaus with the correct spelling of my name. I have had trouble with them reporting inaccurate addresses. Even my work history was not correct. I have worked most of my life in high Management. Not as a Babysitter. I have only Two different addresses in 25 years. I opened my bank account in XXXX. I am a very stable person with a very good monthly income. My credit has been checked so many times I have lost count. I have been trying to purchase my XXXX XXXX XXXX XXXX XXXX but the wrong information is being reported on me. At one time You didn't know what my 3 credit cards were. My loan you report but you don't know what it is. I am requesting my credit report to be corrected. Over Two I have reported this to You and You do nothing.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Goldman Sachs XXXX XXXX, XXXX XXXX XXXX XXXX, Pa XXXX Adverse Action To whom it may concern ; Im writing this letter to inform you about the credit transaction entered with your Company XX/XX/2022, and I extended your organization the credit for the Apple Card with this email address. 



Im giving your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which means shows the pertinent facts of this transaction. Your Company never informed me about the Cost of Credit and only evidence of indebtedness was just a computer-generated agreement. 



According to the law 15 USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any means reasonably assuring the receipt thereof by the cardholder. 



Since there was not an adequate notice given as per above mentioned section, I couldnt understand its meaning which is violating my rights under 15 USC 1602 ( k ).

Furthermore under 15 USC 1601 ( a ) consumer must be aware of the Cost of the transactions. Since I wasnt aware of the transaction, there was an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 



From your side I have not benefitted from this above transaction which is again a violation of 15 USC 1602 ( p ). 



According to 15 USC 1602 ( p ) The term unauthorized use means use of a credit card by a person other than the card holder who does not have actual, implied or apparent authority for such use and from which the card holder receives no benefit. 



I hereby request you to these things below mentioned XXXX. Reverse the adverse action that was sent to me and please send me my credit card with my proper name on it. 



If your company accepts my request, I will not escalate this matter to Federal courts, but if my letter is rejected for some reason, legal action will be taken against your company for compensatory damages. 



Thank you for your time and attention for this matter. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-25
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation