davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as requiredunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provideme with any verifiable proof. So, my question comes up again, WHO VERIFIED THESEACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX .... Late dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Late dates XXXX
Consumer complaint received 2020-11-25
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. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-07-28
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. (NC)

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-04-09
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. (NV)

one XXXXr account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called XXXX to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you
Consumer complaint received 2021-05-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (NJ)

I use Netspend and have multiple ( 5 ) accounts with them As normal netspend, netspend XXXX, among 3 others. This accounts all have unique emails associated with them that I use nowhere else and they are hosted on my own domain netspend @ ( example ) .com, netspendmlb @ ( example ) .com. Today I started getting fraudulent emails to these email addresses that only netspend knows about since I never reuse these emails. Either their systems are compromised and they are leaking emails or their employees are using these emails for fraud schemes.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Account ending in XXXX & Claim Number XXXX This letter is in regards to my California Unemployment benefits that were stolen from me. On XX/XX/20 I received a letter from Bank of America regarding the enrollment of my prepaid EDD card in XXXX XXXX. At the time I had been waiting for my card for over a month and had yet to receive it. Upon calling customer service I was informed that someone had fraudulently drained all the money from the card. 

After many hours on hold and calls to the EDD and Bank of America I was told that my claim valid and that the funds would be credited and they were only to be mysteriously debited again a few days later. 

It is now XX/XX/20 and I have not been able to access any of my unemployment benefits. I was able to view the transaction history of the card and I know for absolute certainty that most if not all the places the card was used have XXXX cameras and you can verify that it was not me using this card. I also know that I am not the only victim of this type of fraud and that workers inside Bank of America have been involved. 

To resolve the problem, I would appreciate your help in crediting my account again with the total amount of money that was taken from me ( approx. {$14000.00} ) Enclosed are copies of my records. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/20 ( before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The report on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  open original balance {$500000.00}. Balance owed {$18000.00} over 120 days past due account number XXXX. On the same report it list XXXX XXXX XXXX  in which purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX closed account paid account as agreed original balance {$500000.00} balance owed {$0.00} however it shows in XXXX  as late payments in XX/XX/year>, XXXX
Consumer complaint received 2024-12-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC (NY)

Complaint from XXXX XXXX and XXXX XXXX XXXX XXXX ) Westlake Financial/CULA  has held onto lease equity. This greedy money grab hurts millions of consumers pockets all over the country, and only the regulators can force change. Any system that is designed to XXXX the consumers at all cost is a broken system that requires Regulatory intervention. 
XX/XX/year> Leased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, payments to XXXX XXXX every 3rd day of each month of XXXX XXXX monthly interest accrue daily. Lease Downpayment and closing cost approx. XXXX XXXX. 
XX/XX/year> payment {$410.00} to XXXX for the month of XXXX XX/XX/year> We had a no-fault auto accident and the leased car was totaled. 
XX/XX/year> XXXX lease new car another XXXX XXXXXXXX to XXXX XXXX. Monthly payment XXXX XXXX monthly. We have by this date paid {$410.00} ( old lease XXXX payment ) + {$360.00} ( new lease payment starting XX/XX/year> ). In addition, XXXX XXXXXXXX out of pocket + lease payments XX/XX/year> XXXX issues check to CULA {$37.00}, XXXXXXXX XXXX XXXXXXXX lease payoff {$1400.00} in lease equity. Both XXXX and CULA were made roughly 104 % whole. Between CULA and XXXX, they collected the full payoff of XXXX plus the lease equity of {$1400.00}. I asked CULA for the lease equity to offset our out of pocket XXXX XXXX to start the lease, CULA reminded us that they owned the car, therefore that {$1400.00} lease equity was theirs. Lease termination confirmed was backdated to XX/XX/year>. 
The issue here that screws consumers is that if we returned the car at the end of the lease and the residual value was below the lease stipulated residual value we would need to pay the difference out of pocket. Consequently, consumers are really hurt when companies CULA are allowed to have it both ways with consumer lease transactions. 
We were not at fault for the accident that totaled our leased car, but the only parties that are made 104 % whole are CULA, XXXX and XXXX XXXX. CULA grabbed the lease equity check, while XXXX was paid off. I have another complaint with the credit union regulators against XXXX as they have refused to refund us the roughly {$250.00} excess payment in lease overpayment. Change is needed. We should get the lease equity of {$1400.00} to offset our initial lease payment of XXXX XXXX 
You can help millions of consumers like my wife and I.
Consumer complaint received 2022-02-04
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. (NJ)

XXXX is still on my Experian credit report even though I provide a police report about fraudulent activity. Experian refuses to remove even though other credit bureaus have already removed and protecting my file Experian refuses to assist in removing and providing assistance.
Consumer complaint received 2019-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reported to credit bureaus, local law enforcement and creditors the errors/fraud reporting on my credit report and nothing has been done. I'm filing a complaint to have fraudulent accounts deleted from my credit report upon receipt of this notice. I contacted the court and they do not have a record of a Bankruptcy Chapter XXXX for my name. So I am requesting it be removed from my public record. XXXX XXXX, XXXXXXXX, Dept of Vet affairs, Social Sec Admin, XXXX XXXX, US Dept of Ed, XXXX XXXX, XXXX XXXX, are all fraudulent accounts that I did not authorize, benefit from or was aware of. Please remove them permanently as soon as possible.
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Obtained payoff quote and their procedure from Specialized Loan Servicing on how to payoff the balance of my loan. Mailed by priority mail XXXX a cashier 's check from XXXX XXXX XXXX for {$680.00} which a copy of the cleared check from XXXX XXXX shows it was received by SLS XX/XX/19 by XXXX 6. The payment was due XX/XX/19. 
Continued daily follow up with SLS since XX/XX/19 shows they have never posted this payment to my account indicating payment in full. 3 emails sent, 1 fax sent and confirmed, 10 phone calls all multiple requests only results in extended hold times and no results. 
I request that my account reflect paid in full as they have the money received in a timely manner and that all liens and paid in full paperwork be completed indicating no derogatory reflection on my credit.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MN)

A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by AmSher Collections Services ( acc # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XX/XX/XXXX from XXXX XXXX XXXX, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year ( XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear XXXX XXXX : I am contacting you regarding a 30-day derogatory mark from XX/XX/2020 that appears on my three credit bureaus. 
I dispute these 30 day lates and demand a full removal of the 30-day late marks based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and Trans Union so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. 
Prior to the missed payments I attempted to contact XXXX XXXX   regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... 
It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. 
..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. 
The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 )  outbreak
Consumer complaint received 2022-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/2022, I received an alert on my credit monitoring stating that Capital One had place a Hard Inquiry on my credit report. I had NOT applied for a credit card. I place a Fraud Alert on my credit report. A couple of days later, Capital One called me and said that someone had submitted a credit card application in my name. I told them it was not me, that it was fraudulent. ( I assume the application would have been approved if not for the fraud alert. ) The customer representative told me the application would be destroyed and that Capital One would remove the Hard Inquiry from my credit reports. They did not! I attempted to have XXXX remove the Hard Inquiry, but they can not. XXXX said I have to contact Capital One. 
On XX/XX/2022, I called Capitol One. The customer representative told me to submit a letter with the details of my request, a copy of the Hard Inquiry on my report and they would remove the Hard Inquiry. I did exactly as she suggested but Capital One did not follow through on the promise. I instead received a form letter implying that the inquiry was a prescreen ( not true ) and how to opt out. I called Capital One again and the customer representative told me to contact the credit bureaus. ( which I had already done ). 
I mailed a second request to Capital One on XX/XX/2022, with my complaints and documentation. Today, XX/XX/2022, I received the identical form letter, with a new case number. 
I am totally frustrated! The Hard Inquiry remains on my credit reports with all 3 bureaus, with a notation that I applied for credit, which I did not. Capital One, apparently could care less, it is obvious they do not even read the letters, I have 2 form responses with 2 different case numbers! The credit bureaus can not remove the Hard Inquiry, since it was Capital One 's error that place the Inquiry on my report.

I my opinion, it is not right that this Inquiry should remain on my report and that Capital One does nothing to address my concerns and correct Capital One 's error. 
To my understanding, The Fair Credit Reporting Act requires Capital One to report accurately and conduct reasonable investigations of disputes. 
I would appreciate any help you can provide with this dispute. If my complaint is not appropriate here, then an alternative would be appreciated.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (IL)

I had an original loan of {$9000.00} loan and made a payment of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX. Due COVID-19 I was unable to continue to make the payment and couldnt fulfill my obligations to make the payment I agreed to make. I tried to plead with the credit card company to make an arrangement to make an acceptable arrangements but refused to make an agreement to which I would be able to make the payment. I offered to make the total payment of my balance by the end of XXXX but refused to extend the deferred interest and demanded to renegotiate the loan with added interest rate of over {$4000.00} to the total of over {$13000.00}. I am willing to pay the original promotional loan balance without the deferred interest and close the remaining balance. And theyre unwilling to facilitate my request.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

In XX/XX/XXXX, we started receiving multiple calls daily regarding collection of a debt. 
For several weeks we ignored the calls until we received a letter with the same name of the collection agency. " Sequium Asset Solutions , LLC '' We contacted the Collection Agency by phone to get information regarding the collection. It was for an account we  closed in XX/XX/XXXX, XXXX Service. We explained that we paid the account in XX/XX/XXXX and paid in full. We were never contacted by XXXX, nor anyone until XX/XX/XXXX for any additional debt owed. On the phone call we asked the collection agency to provide us with the billing information so we could verify the account and billing to verify the collection attempt. 
We also contacted XXXX for billing information for verification. They deferred to " Sequium Asset Solutions , LLC ''. 
Neither company was able to provide the information requested to verify the collection attempt. 
On XX/XX/XXXX we sent a certified letter to " Sequium Asset Solutions , LLC '', requesting the billing information for verification. We have not received a response to our letter.
Consumer complaint received 2020-11-25
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: S&S Physician Services, Inc. (TX)

Hello, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2021-12-09
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. (MS)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.