davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (LA)

I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX  ( ACCT # XXXX ), XXXX XXXX XXXX ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MI)

I have no knowledge of this debt. I do not owe this debt. I have written Sequium Asset Solutions and asks them to provide me with verification that I owe this debt. Sequium Asset Solutions have ignored my demand and provided no response to my Notice of Dispute and Request for Validation. Sequium Asset Solutions have continued to harm my reputation by continuing to furnish false unverifiable information to my credit reports.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (FL)

This company never answers my calls they leave me on a silent hold or hang up, I called to dispute a charge from XXXX due to the fact that XXXX never provided me with the services then deleted my account when I didnt even do anything which could have had them delete my account, I read all the terms throughly. I want my debt paid for and me not having to pay them back at all for any money, I can never get ahold of them and even if you all fix this problem they will continue to do it, I want the debt paid for.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My husband is XXXX XXXX military. He is eligible for the XXXX civil service members relief act with his orders. It was time to renew the order and the benefit was not applied to my credit card which he is an authorized user on. I contacted USAA in XXXX to find out why all of the account other than this credit card received the renewal. I was told he has been removed as an authorized user on my account. I never gave permission for this or authorized this. Usaa claims it was done in error when I had a fraudulent charge show up on my account and when the new card was mailed out, he was inadvertently removed. They initially said this was their mistake and he was put back on the account and they were suppose to correct the benefit so it was applied to this account as well. 

Its been a month with no resolve. I have contacted back several times. No one returns my call. Today I spoke to them and was told they called back but my voicemail was full ( not correct ). I checked my phone records and have no call from them. They refuse to tell me the date and time said call was made. 

Now I am being told it wasnt an error he was removed from the account- its something on my end I did. They are very vague about what I may have done that caused his removal. I was told possibly something was selected online when my card was hacked. They can not provide any specifics about why he was removed without my permission or what can be done to resolve this.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Went to the dealership to for an auto loan it was, they said it would only be from XXXX but 10 hard inquiries hit my credit. 


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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX, XXXX and XXXX I worked for a company named XXXX where a company trying to collect a payday loan from me was relentlessly calling my job, harassing me for payment, to the point that co-workers were answering my phone stating I no longer worked for the company, but the calls did not cease and eventually I lost my job at this company, as this was a personal matter. The callers had distinct voices and were calling me from really long telephone numbers as though they were calling for XXXX. The stated a Sheriff was coming to my work place to arrest me. That I would go to jail and loose my job. Demanded I fill out a form allowing them to deduct money from my bank account to repay the debt, basically scare tactics. Finally I was feed up and called the XXXX XXXX State Attorney Generals office to inquire about my rights in this matter. I was informed to not pay them a dime and that if they did try to sue me in court the case would be dismissed. In XXXX I moved to XXXX XXXX, but at the time of this " supposed loan '' I lived at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, therefore the laws would apply to that time period. Furthermore, this is a stale debt as it is move then 10 years old. I'm a XX/XX/XXXX survivor and have XXXX  and XXXX and don't appreciate the tone of this letter that is very intimidating.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Trust Management LLC (AL)

I received a text message from my auntie about 3 weeks ago saying someone was trying to get in contact with me about a loan of somewhat I told her it might be a scam but she suggested I called the number anyway so when I called I talked to the nice lady she gave me the information I needed and I let her know that it wasnt me who have received the loan and told her the background of everything and more information she needed to know on the situation I know the person responsible and they have also owned up that they have did it but no more communication at this moment.
Consumer complaint received 2022-06-06
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX Ref # 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (NY)

A court summons was presented to my family at my former address in Illinois. The plaintiff is listed as XXXX XXXX XXXX through their lawyer : XXXX and XXXX XXXX. Attorney of the XXXX, located in XXXX XXXXXXXX XXXX  suing me in an amount of {$4500.00}. I am currently in a debt consolidation program so I contacted the debt consolidation however the amount listed and the plaintiffs name ( Velocity Investments , LLC ) is not on my credit report of a debt I owed. I searched for XXXX XXXX XXXX and called them to inquire about the original creditor, spoke to a representative who could not locate my debt in their system, he proceeded to try to collect information from me with the excuse of trying to verify my information, the same information he could not find in their system, I felt I was being coerced into giving them my personal information, he proceeded to tell me even if I work with a debt consolidation company the damage on my credit will not go away and it will stay with me for ever and that they can help me to remove it, so I asked him if he is referring to the same debt he has not been able to help tell me who the original creditor is, he ignored me and proceeded to ask for my SSN, I felt this could be a scam to fraud me so I hanged up the phone.
Consumer complaint received 2022-10-23
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

My wife submitted a dispute with Columbia Debt recovery, informing them that we had given the XXXX of XXXX the two month notice, but they refused to accept it. and sent it to collection. Columbia refused to even acknowledge that we have submitted the Notice and claimed the woods to be correct
Consumer complaint received 2024-12-17
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRIAD FINANCIAL SERVICES, INC. (IL)

I bought a mobile home almost two years ago. Since then I've been asking the company that I pay my mortgage to a multitude of questions that they refuse to answer. My first question was why do I have paperwork called a " Illinois customer notice of assignment '' that says my loan has been sold or transferred to another creditor I never got an answer. My second question was why was my interest rate at 8 % I never got an answer. My third question was why did they approve a loan for {$35000.00} for a property that was appraised at {$19000.00}. I also have a lot of other questions that never got answers.
Consumer complaint received 2022-08-30
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. (IL)

XXXX XXXX keeps stating that the account is valid and belongs to me despite the submission of the FTC Identity report and request of documents validating that I signed up for the account. They have failed to provide me with documents I requested.

All they do is sent a copy of a statement bill and the credit bureaus sides with them and claim the debt is valid.

I'm requesting the documents listed below be shared with me. I want to know how have they been validating the accuracy of the account. I've never owned this account.

Im exercising my rights under the Fair Credit Reporting Act, Section 609 and demand to see the following pieces of information : Original consumer contract with my written signature on it Pay off Disclosure Interest Rate Disclosure Payment History Statement Balance History Statement Credit Insurance Please let me know if you need any additional information. 

Thank you, XXXX
Consumer complaint received 2022-09-12
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-09-12
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. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Name XXXXXXXX XXXX, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # 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
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

XXXX Bank of America there was {$100.00} deducted from my XXXX XXXX  account on XX/XX/XXXX paid to XXXX XXXX of XXXX VA I have never heard of this person.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XXXX XXXX my bank account was closed by HSBC without properly informing me and telling me why or what reasons they had to closing my account. Ive never had a returned check deposits or a negative balance. Ive called several times asking the bank for the reason of this action since I had just opened my account with them the previous month, and with no notification closed my account with my funds held by this bank. It is now XX/XX/2022 Ive called them and filed a XXXX financial hardship and there department still doesnt have a proper response. I am asking for help since I am running out of patience and dont wan na loose my composure do to my bills arent getting paid and is accruing late payments that are stacking up as I write this message.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Had FHA mortgage paid it Countrywide XXXX wrote new one without our knowledge Have offered settlement Bank of America attorney sent email We mutually walk away dismissal of complaint with prejudice. Dismisd my federal complaints Since BoA bought Countrywide and is using the forged FHA mortgage to foreclose don't know who is pulling the lawyers strings. You can get it directly to BoA is either a victim or in cooperation with the forgers.
Consumer complaint received 2022-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX of XXXX, I applied for a mortgage forbedance because of covid with Suntrust, which was the bank who on the time. When the forbedance period ended in XX/XX/XXXX, they sent me a letter saying that my options were to pay a lump sum for the amount that was open during forbedance, or to do a loan modification. I contacted them and communicated that I wanted to do a loan modification. They made me sign some documents and send it back to them. I did as instructed. I confirmed later on they had received the docment signed, and they told that I had to wait until they send the modification paperwork, and that it could take sometime due to the number of modifciations they were doing, and that I did not need to make any payments while I was waiting, but I could do if I wanted to. I never heard anything from them since XXXX weeks ago, when they sent me a leter saying that I was in default, and that they were going to foreclosure my XXXX XXXX I contacted them and explained. 
They knowledge that they failed in sending me the paperwork and told me to fill out a mortgage assistance application. They said they were going to send the application by mail. I never got any application, but I found the document online, filled it out and sent it to them. When a called again last week to follow-up, the home preservationa ssiatnce told me that the application was a mistake, that I did not have to do that, and that indeed all they had to do was to send me the loan modification paperwork, and that I was not on default and the amount owned showing on the statement was wrong. During the weekend, I received a notification that they reported the loan as in default on credit report. It dropped my credit score from XXXX to XXXX. It is also showing the loan balance an amount of $ XXXX, which is more than the original loan. 
When I called them back today to inquire about that, they started to say that it was my fault for not following-up, and that there was nothing they can do about my credit report. At this point, I am extremely concerned about this situation. Each time I call, they say something different. When I was dealing with Sun Trust, I never had any problems with them., Now that they have been adquired by Truist XXXX I feel like they are completely disorganized, and because of that, I am being penalized for something that is not my fault. The foubedance was my right, and I did everything as instructed. I need please to report them, and I need assistance with this.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i applied to Capital One Bank USA NA for a XXXX credit card and my application was denied based on the fact they say my account usage and terms of account was not what we agreed on I was to say that's not true in any way this was on XX/XX/2022 I would like to dispute this action and come to term with the company on the truth and I would to be approved
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX a company by the name of XXXX XXXX withdrew {$230.00} from my account without my permission. I put in the claim dispute with USAA. They went ahead and opened an investigation and never asked me for any of my paperwork or my statement instead they accepted the merchants paperwork and deemed the investigation closed and allowed them to withdraw the money. I have asked on multiple occasion since XX/XX/XXXX to speak to a supervisor to go over the paperwork provided by the merchant and as of today XX/XX/XXXX that request continues to be ignored. I have told them I havent done business with that merchant since XX/XX/2021. I asked them to confirm through their updater system if thats how the merchant was able to charge the new card and that request has been denied and rejected. I told them I didnt even receive whatever XXXX  the merchant is claiming to have shipped and I just want them to do proper investigation. Unfortunately I have gotten no help at all even though Ive spoken to multiple representatives and Im just being ignored. I told them at this point I would need to file a complaint with the CFPB because no one is willing to help me out with this fraud on my account and the last representative by the name of XXXX just said go ahead then.
Consumer complaint received 2022-08-12
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. (NY)

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 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 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NV)

On XX/XX/18, I spoke with a representative at Ally Financial regarding the pay off of my vehicle. At the time of the call, I stated that I would not be able to pay the larger amount owed as that it was too high but asked if there could be a deal made for a lower amount. I was told I could pay {$590.00} to pay off the vehicle. My car loan is fully paid off, this was accrual of supposed late fees and other charges ( which I was informed after the loan was paid off ). I let the representative know that I could pay half the day I spoke with them and then half on my next paycheck. The arrangement was made and I was informed of the arrangement was set up in the system. 

After the 1st payment was made on XX/XX/XXXX, I called in again to pay the final amount of {$290.00}, which is the same amount paid on XX/XX/XXXX, I was informed by 2 different representatives the " arrangement '' had defaulted as there was a 3 day grace period and the previous payment was not processed until XX/XX/XXXX. I was not informed of this and had informed many representatives of this matter. I was then approached with a new arrangement, even though I informed every person I talked to of the previous arrangement that was given, of a new amount in which I would not be able pay that amount.
Consumer complaint received 2022-10-23
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. ()

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.