davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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. (MS)

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. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 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 three negative credit items outstanding debt now. 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hi, I have this account since XX/XX/2021, and now Im having issue accessing to the online banking thought the app. The app has been updated a few days ago, and now when I try to access, the app is requesting my 6 digit of the SSN.

As Im not US citizens and also not US resident I don't have that number. 
I called customer service and they didn't help, and I also was transferred to a " branch '' and they said we will call you back ( didn't happen )
Consumer complaint received 2024-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I filed with you in 2022 about ide.tity theft. 
A debt collector XXXX will not stop harrasing me about this debt everyday. It was identity theft and they r taking me to court on XX/XX/XXXX and judge says I have XXXX say in anything. I need help.
Consumer complaint received 2022-07-08
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX  has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-08
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)

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. 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 from the fraud department I prefer to speak to a XXXX 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 three negative credit items outstanding debt now. 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 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-08
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. (AP)

On XXXX, 2016 XXXX XXXX XXXX XXXX  received a payment from me. The account has since been closed. The payment was for XXXX dollars. They placed a charged off and payment status on my account. This is fraudulent. The other two credit bureaus XXXX  and XXXX has ceased reporting and removed the account from my credit report but transunion has not. It is not legal that the company can charge off the debt sell it to another company and then write it off on their taxes. My payment has been made. In addition it has been 7 years since the last payment, by law it has to be removed.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is in correct accounts being reported on my credit report. There is a bankruptcy showing on my credit file. I need this investigated and removed from my credit report. I pay all my bills on time. There is no need for me to ever have filed bankruptcy. There are numerous hard inquiries showing on my credit report. I did not authorize for these inquiries to be ran. These are in accurate, and I did not sign anything for these inquiries to be ran. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Us Small Bus Admin Oda XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Us Depart Of Edu XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: South Coast Doc Prep (NC)

Scammed by south coast doc prep on XX/XX/22 They called saying they could help forgive my loans and took personal information and then told me I could get {$30000.00} forgiven and just pay {$2000.00}. They could offer me this through the pay as you earn and public service loan forgiveness program. I would have to pay {$240.00} for 5 months and then {$77.00} for the rest of the time until I hit {$2000.00}. I have to make my first payment XX/XX/XXXX of {$240.00}. But I dont plan to pay because after doing research it is a scam. But they have my debit card number and social security and can take loans out in my name. Huge scam.
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

My mortgage was transferred to ServiceMac as of XX/XX/XXXX, while trying to set up my account online to make a mortgage payment which is due on XX/XX/XXXX I found out that I wouldn't have my online access until XX/XX/XXXX. 
I believe it's unacceptable as my account transferred as of XX/XX/XXXX. 
So I made a payment from my bank on XXXX make sure I have my mortgage payment made on time, as of today, the payment amount still not applied to my mortgage despite several phone calls to the service provider. 
The payment is missing and a schedule payment option is still unavailable to me.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX are depriving me of my rights and are conspiring against my rights which .they are being negligent and willingly noncompliant. I offered a conditional acceptance of any alleged debts upon a lawful proof of claim which they failed to respond to. I gave them a chance to correct their error by sending them a notice of fault : opportunity to cure which they failed to provide a lawful proof of claim as well. I then sent them a notice of default and consent to stipulation agreement to the facts in which they failed to rebut .they have violated my rights under the FDCPA, FCRA , TILA, GRAMM LEACH BLILEY ACT, the UCC , and the US CONSTITUTION.they have breached and exposed my private information and financial data .they are using XXXX XXXX to commit fraud & are attempting to swindle and oppress me .they refuse to provide me with the information they used deem the alleged debts in question as valid .they have not given me the full file disclosure I requested as described 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private. they have not provided me with any chattel papers I requested as described in UCC 9-102 ( 11 ) to deem any alleged debt valid. I was never given a full disclosure of the determination of the finance charge nor was I given a full disclosure of the determination of the annual percentage rate. They allegedly charged off the alleged debts in question, writing it off as a loss but are still attempting to collect an alleged debt. I have receipts of NAVY FEDERAL and XXXX XXXX management harassing me, my family, and even my friends with multiple phone calls sometimes more then XXXX time a day .The codes and regulations they have violated include 12 CFR 1006.6 15 USC 1692c ( b ), 12 CFR 1006.18 15 USC 1692e ( 10 ) & e ( 8 ), 12 CFR 1006.14 15 USC 1692d ( 5 ), 12 CFR 1006.22 15 USC 1692f ( 6 ) ( a ) & ( 6 ) ( b ), 12 CFR 1006.34 15 USC 1692g ( b ), 12 CFR 1006.30 ( d ) ( 1 ) 15 USC 1692i ( 1 ), 12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), 4th amendment, 5th amendment, 18 USC 241, 18 USC 242, 12 CFR 1026.4 15 USC 1605, 12 CFR 226.22 15 USC 1606, and much more.
Consumer complaint received 2024-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WA)

I have had 2 complaints open about my issue already and they were both closed. It is for a credit card that is not mine as a card that I fully paid and closed, was re-opened and charges were put on it. 

The last report with Midland Credit Management was XXXX. 

I have filed a report with the FTC, but can not submit since it was closed. Reference XXXX
Consumer complaint received 2022-10-08
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. (GA)

XXXX fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent Inquires XXXX XXXX  XXXX  XXXX Bank XXXX XX/XX/ XXXX XXXX XXXX XXXX Bank ) Ive contacted the creditors to have accounts closed and have contacted the credit bureaus to have removed and still remains after identity theft report and identification has been submitted
Consumer complaint received 2024-09-11
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. (PA)

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, 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 2022-07-08
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: Advanced Resolution Services Inc. (IL)

In accordance to the Fair Credit Report Act XXXX/ XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX  ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2022-07-08
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. (MD)

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (GA)

I received an hard inquiry on Equifaxthat I didnt authorize I would like them removed as soon as possible XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXs XX/XX/XXXX, XXXX XX/XX/XXXX 2021
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I see a massive balance of $ XXXX on my credit report from the lender Net Credit. I have tried to file a dispute last year, and again this year but XXXX will not assist to the extent Id like. I have not received any contact from this lender or any related to this debt in years and it keeps increasing. It is at the point where I will never be able to even come close to paying this debt without even understanding how the balance could become that outstanding with no notice or communication. Upon searching for more information on this lender it does not appear they are authorized in the state I reside and I am questioning the legalities and legitimacy of this business. As I age, I am even more disgusted with companies that can operate this way and prey on poor people who do not understand when they are dealing with an illegitimate business. I have seen cases of my state filing against them several times and somehow they are still able to get away with stating I owe an astronomical amount when I do not.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Google Compare Credit Cards Inc. (WI)

On XX/XX/XXXX, a pending amount of {$350.00} from GOOGLE *XXXX  XXXX CA showed up on our personal credit card. The week prior, on XX/XX/XXXX, an amount of {$1.00} from GOOGLE XXXX XXXX CA went through on our card. Again, on XXXX the same {$1.00} charge from the same GOOGLE *apprefund XXXX CA. Called the XXXX number noted and gave me no options to speak to/select anything and then disconnected when you pressed a key. We do not use Google Pay and there were no transactions available in my Google Pay " account '' that comes with Google services. Filed a complaint to reverse charges with Google on XX/XX/XXXX. Contacted our Bank also in effort to not have to close card. On XX/XX/XXXX we recieved a notice from XXXX XXXX asknig if we approved a {$350.00} charge from the above listed " vendor ''. We selected " no '' and were immediately directed to our credit card company where the card was closed and charges, as of today ( XXXX ) have been refersed and the pending one not allowed to go through. On XXXX recived an email stating the card is not working and we need to verify so " subscriptions '' do not become inturrupted despite not having any subscriptions valid in my Google profile. Additionally, recived a " notification '' from Google that they were not going to refund our money, which is not the amount we disputed. It was an amount slightly more than the charge.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

XXXX  XX/XX/XXXX I had to drive the citie bank becouse I was having an issue with my card not working and I couldn't log in with my credentials and every time I tried calling to see if I can resolve the issue they would rudely hang up on me becouse they could not verify my phone number witch I was using that very number to talk to them on .so I went in today spoke to some one to see the issue I wanted answer and what was said to me was that wasn't the only account I had with them that I had a prior account before this one I asked can I see what transaction the only thing they said was there a fraud alert this is the second account I had with them and it was being closed due to fraud and they would mail me my check I had in there and they also gave me the address to the first time I opened it was to my grandmothers address I never used that address in my life so something was vary odd about that a note I might add my family member is really into doing fraud and I suspect that it was my sibling that did all that becouse they stole from me before I just didn't know how to prove it my state pandemic checks every single one was sent out to me and was cashed but not by me i never saw a dime of it and now this account with citie bank is all screwed up and its all coming together and making sense i really need help fixing what is being done to my identity and accounts I worked all my life I should have been blessed to get my stimulus and bank account and my identity is worth alot and these fraudsters just stole my life just like that its not fare I am homeless and my identity is all messed with I worked so dam hard for what I had coming to me please help me figure something out I just don't know what to do or were to start.