davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (WA)

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. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. The last one being sent to Transunion on XXXX XXXX, 2022 with complete attachments of my personal information including the Police Report. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & were opened without my consent or knowledge.. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MN)

I am receiving letters and telephone calls of harassment, obscene and profane language, violence, harm and death from LVNV Funding/Resurgent Capital Services Debt Collector Representatives in regards to credit card accounts from XXXX XXXX XXXX which the debt was the result of identity theft. I sent a Federal Trade Commission identitytheft.gov form to XXXX XXXXXXXX XXXX  and LVNV Funding/Resurgent Capital Services , but I continue to receive letters, court documents and telephone calls of harassment, abuse, obscene and profane language, violence, harm and death from Resurgent Capital Services Debt Collector Representatives . Resurgent Capital Services has violated and in violation of the Fair Debt Collection Practices Act ( FDCP ) under federal law.
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. (MA)

I XXXX XXXX am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion XXXX XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myTransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-26
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. (TX)

I sent a letter on XX/XX/XXXX to remove XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX 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 XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX BalanceOwed : {$34000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.
Consumer complaint received 2022-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It began with trying to refinance my mortgage. Due to the nonsense method the credit bureaus use to determine credit worthiness the data they used to generate a score caused me to be DAMAGED! 

I have reported numerous complaints. All it did was make my score worse. Review all the complaints I have provided and proved how XXXX the system is and it is not definitely NOT FAIR!
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I will continue to file complaint until NISSAN acknowledge their get rich scam by charging over {$500.00} in late fees. Loan is paid off and they sent notice to pay within the next 30 days as my XXXX mon contract will end/ I have called and asked for a manager and they have failed to call me back or respond to me. they have been charging me XXXX dollars a month in late fees. the late fees have racked up to XXXX. They refuse to remove them and they refuse to remove them during covid. INITIATIVE TO SAVE AMERICANS BILLIONS IN JUNK FEES -- CFPB ... these are junk fees! increasingly charging inflated and back-end fees to households and families. This new fee economy distorts our free market system by concealing the true price of products from the competitive process. For example, hotels and concert venues advertise rates, only to add resort fees and service fees after the fact. And fees purportedly charged to cover individual expenses, like paperwork processing, can often greatly exceed the actual cost of that service.Clearly-Fees that seemed too high for the purported service
Consumer complaint received 2022-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

In XX/XX/XXXX I received notice from my municipality regarding real estate taxes. I contacted Huntington, my mortgage company, and alerted them about the amount, {$1700.00}, and I was assured it would be paid on time. In XX/XX/XXXX I received a letter from my municipality stating that a lien would be placed on my home if the taxes remain unpaid. Now, with penalties and late fees, the new total was {$2100.00}. In XX/XX/XXXX I was again assured that it would be paid. I was told a check was sent via XXXX  ( a tracking number was not available ) and that it would be sent before the new deadline. I called Huntington again on XX/XX/XXXX to be sure and was told that my case was closed because there has been a resolution. In XX/XX/XXXX, I received another notice from my municipality stating the real estate XXXX taxes were still delinquent. A lien has been placed on my home effective XX/XX/XXXX. The taxes are still unpaid.
Consumer complaint received 2022-09-27
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. (CA)

Last year I discovered a false account with XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claims. These are not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  and XXXX XXXX XXXX they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and dated last reported in not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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. (IN)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 is missing that should be on the report
Company: DISCOVER BANK (TX)

I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with Discover and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for XXXX than from XXXX and then compared the two report and noticed my opened Discover credit card account was no longer reporting to my XXXX credit report. It continues to report to XXXX and XXXX. I called discover several times regarding this issue in XXXX and was told to that they are reporting the card to XXXX and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called XXXX and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to Discover they direct me to contact XXXX and when I speak to XXXX  they direct me to speak with Discover. I have paid my bill on time since have the account for XXXX  years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My loan was recently transferred to RightPath Servicing from XXXX XXXX last month. I created a login for Rightpath Servicing 's website to review my account. I just reviewed my account balance and noticed a charge for {$59000.00} in lender paid expenses. I attempted to reach a solution with Rightpath but was disconnected repeatedly. 

The company does not have an email address for me to send this request to so I'm filing a complaint due to the verbiage in the transfer papers that stated if the balance is incorrect and not disputed in a timely manner then the debt is assumed by the customer. My original XXXX  loan amount was {$210000.00} at closing on XX/XX/XXXX. My current unpaid principal balance is {$140000.00} as of XX/XX/XXXX. I recently was approved for the XXXX XXXX XXXX XXXXXXXX and received {$47000.00} which cleared my past due balance due to XXXX. The loan payoff as of XX/XX/XXXX is {$210000.00} which makes no mathematical sense. 

There were no lender paid expenses paid on my behalf. I'm requesting this amount be removed from my account immediately. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Number # XXXX
Consumer complaint received 2022-07-25
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. (NY)

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 719XXXX has me at a score around 590. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

I disputed this debt in XX/XX/XXXX and asked for debt validation including the original creditor, account numbers, etc. Under the FDCPA, they were required to respond in 30 days. I never heard back from the company, so I followed up in XXXX of XXXX. I still got no response from the company. In XXXX of XXXX, I received a letter claiming that I owe them. When I responded, I asked again for debt validation, in the same manner, I did before. I heard nothing back from the company. Today, they've texted me with an automated system, which they never got permission from me to do. There was a notice in the text message, which I did not look at because this has been dealt with back in XXXX because they failed to timely validate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have.

I only have the one social security no, only one. Only the correct one should be listed. 
XXXX
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

-Exeter XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -Santander Consumer XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Auto Sales, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX -OneMain, XX/XX/XXXX -Capital XXXX, XX/XX/XXXX -Vervent/TBOM, XX/XX/XXXX -Discover Financial Servi, XX/XX/XXXX
Consumer complaint received 2020-07-13
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: Carter-Young, Inc. (AL)

In XXXX of 2020 I had my credit pulled while looking for a mortgage and saw accounts that were a result of Identity theft. These accounts have been reported to the credit bureaus and to date have not been removed. I would like to complain because I am a victim and the companies have yet to remove the information.
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 — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/1982 SS : XXXX I have several addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses. I am a victim of fraud so I am trying to protect the integrity of my credit file the best I can. I have filed a police report in XXXXXXXX XXXX  and XXXX XXXX. I found several accounts on my credit that are fraudulent and not accurate. 
XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXXXXXX 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 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
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

RESERVATION : XXXX XXXX XXXX  I was approved for financing a trip with XXXX  paid via Affirm Loan Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, they preapproved me and then ran my credit. I was trying to get information for my travel booking instead i was rerouted for a hotel stay at XXXX XXXX XXXX. Then, since it was the last room left, the affirm banker paid for my stay with the credit card before i actually reserved it, or confirmed the booking. They keep trying to collect an unpaid debt even though the hotel never charged me and has issued a refund for the charges from XXXX with no penalty. XXXX is requesting a letter from the hotel property stating there was no restocking fee for the cancellation, as it was a no refunds item. Since, it wasn't used for the intended purpose i am requesting a cancellation of my loan. Affirm has only adjusted my account for the remaining unsued portion of my debt. Please address this issue, both XXXX XXXX and XXXXXXXX property manangers has confirmed it was successfully canceled. They have also emailed XXXX XXXX with requested emails. However, XXXX is refusing to give the funds back.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Lending Club Corp (NY)

Good Morning, On XXXX  XX/XX/XXXX I received an email from my bank, LendingClub Bank XXXXXXXX : XXXX saying the following, " We noticed some recent activity on your account that warranted further review. In an effort to protect your funds, we have temporarily locked your account and online banking access while we conduct our review. '' It is now XXXX XX/XX/XXXX and my account is locked. I am away traveling with my family in XXXX and without any access to cash money. 

Repeatedly LendingClub Bank has asked for documents from me, which I have been happy to supply. Additionally, I call and live message them every day in an attempt to see what we can do. They give me XXXX list of documents and after I supply them, then they ask for more instead of unlocking my account. Furthermore, they have asked for the same exact documents multiple times. LendingClub keeps contacting me on a secondary email address that I do not have associated with the account and when I asked to switch to my primary email address, they say they will switch, but then they do not. I keep contacting Lendingclub only to become progressively more and more frustrated with their intransigence and general lack of care for their customers. 

I should mention that I am not sure why they locked my account exactly, but it may have something to do with transfering funds from another account ( XXXX ) to LendingClub, even though I have done it many times before without any issues.
Consumer complaint received 2020-07-13
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.