davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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 XXXX XXXX, has violated my rights. 
15 U.S.C 1681 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 2023-01-13
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. (FL)

XXXX XXXX has failed to remove off the Transunion Credit report. Transunion has failed to properly investigate this dispute and failed to remove XXXX XXXX from the credit report. XXXX an XXXX have both removed XXXX XXXX off the credit report and XXXX XXXX has also verified removal from XXXX and XXXX. Transunion is not investigating this dispute and both Transunion and XXXX XXXX are still reporting to Transunion without any verifiable proof they should still be on the report. All accounts from XXXX XXXX shall be removed off the account since XXXX out of XXXX bureaus have already properly and correctly done so.
Consumer complaint received 2023-01-16
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. (CA)

I acquired a copy of my credit report and asked the Transunion credit bureau to check and make sure everything was complete and accurate according to 15 USC 1681i Ive waited more than XXXX  days and I havent received a response. The dispute file number is XXXX and was submitted on XX/XX/XXXX. It is now XX/XX/XXXX. 

Transunion hasnt even recorded the current status of the disputed information. 

Transunion is holding me back from purchasing a home for myself and my family. This is extremely frustrating because my family needs a home and Transunion is not doing its job according to the law
Consumer complaint received 2023-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

Hello, In XX/XX/2023 I had some financial issues and was placed on the Pandemic FB Plan through my mortgage Company. They placed me on the plan for 3 months. I was never given an option to chose 6 months. After the 3 months In XXXX the mortgage company automatically extended my FB for another 3 months. Again I was not given the option to chose 6 months ext. I received a letter from my mortgage company date XX/XX/2023. This date is very important. In this letter it states I need to contact them as my FB is coming to an end. The letter gave me XXXX options. First option was to resume monthly payments and select a program for paying back the suspended amount. Second option was to pay back all payments in XXXX installment. Final option is to Extend my forbearance Under the Cares Act, as I am eligible for an additional 180 days. 
I spoke to a re with my mortgage company named XXXX on XX/XX/2023. I advised I would like to extend my FB plan per the letter i received. She said she had tried entering the extension 3 times and the system would not allow her to. She then stated she would reach out to her manager and see what the issue is and for me to call her back. I kindly asked could she call me once she has a response. She said she could not that I would have to call back. I asked to speak with a manager and she placed me on hold and the call hung up. I called back and spoke with a rep not sure of the day. This rep advised me that the reason they could not enter the extension was due to me still being covered for the month of XXXX and I would need to call back the end of XXXX and they could then extend. I then received a call from XXXX again on I believe XX/XX/2023. She called me off of a dialer. It was not an intentional call or follow up to our last conversation. She then advised she was able to extend but if would not cover XXXX, I advised that is not expectable as per HUD I have the option to extend through XX/XX/2023. XXXX then transferred me to escalations. The rep in escalations advised that she was also unable to extend and would get with her manger and follow up with me. In the mean time I got a call from XXXX again who then advised me per her manager I can only get on a standard FB plan which will not protect my credit. I again asked to please let me speak with a manager and she refused and hung up on me. I received a call back from the escalation rep who stated there is no longer an extension option for my loan as it ended at the end of XX/XX/2023. I asked why they sent me a letter dated XX/XX/2023 telling me the complete opposite of this. She was kind but unable to assist me. I am very upset as the letter sent to me dated XX/XX/2023 should not have listed an option of me being able to extend my fb plan if it was not an option. The letter is attached to this message. I am hoping for a resolution with my mortgage company.
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I have called all customer service would not help and take care of the negative inquiries reporting to your credit report.
Consumer complaint received 2022-01-15
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XX/XX/2022 a balance transfer in the amount of {$1100.00} ( check XXXX ) was listed on my statement along with a balance transfer fee of {$58.00} on XX/XX/2022. I did not write this check and I never had a check # XXXX. The account ended in XXXX. They have since closed this account and issued new cards. 
I have called the fraud and customer service departments multiple times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have been told they are investigating it and I have been told they will remove the charges. I received my latest statement this week with a due date of XXXX and the charges are still on the account. Additionally there is a NEW balance transfer fee of {$170.00}! The account has not been used since the dispute was filed. This charge is also fraud. 
Cit Bank has not properly responded to my repeated requests. I am dissatisfied with their response, the lack of training they provide their staff, and the amount of time I have spent on this without correct resolution. 
All of these charges should be removed, the account should be at {$0.00}. 
Thank you for your help,
Consumer complaint received 2020-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX XXXX   in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX Bank sold this debt to Portfolio Recovery Solutions. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted Portfolio Recovery Solutions on XX/XX/XXXX and they said that XXXX XXXX XXXX out of North Dakota was handling the account. 

So I called XXXX XXXX XXXX  and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against XXXX XXXX XXXX, and Portfolio Recovery Assets. 

Thank you.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation (FL)

Last week ( XX/XX/XXXX ) I had my vehicle repossessed by Bridgecrest with whom we had the car loan. I and my then-wife went into XXXX XXXX bankruptcy in XX/XX/XXXX. In XX/XX/XXXX we got divorced and I was dismissed from the bankruptcy case. My lawyer said that I could resubmit a new bankruptcy later under just my name which would include the house and the vehicle in question. In late XXXX, I started the bankruptcy process. My lawyer asked me to get updated debt information which included the car loan. I tried to log into my online account but found there was no longer any account info available. I called Bridgecrest in XX/XX/XXXX and asked for the payoff amount and was told that the account was " marked charged off due to bankruptcy. '' I relayed the information to my lawyer. I again filed for XXXX XXXXXXXX but the court rejected the payment plan and wanted a higher monthly payment than I could afford. My lawyer then converted the case to XXXX XXXX but the court rejected that as well. 

I called Bridgecrest, talking multiple times to get as much info as I could. I learned that on XXXX they marked the account as " charged off. '' This was after I had filed and was already in the original XXXX XXXX which protects assets like the house and car. When I called in XX/XX/XXXX the car was still " charged off. '' I was told they received notice on XX/XX/XXXX, that a bankruptcy case was dismissed and that is why they repossessed the vehicle. 

I had no access to the site, no bills, no notices, and no communications at all from Bridgecrest that they were looking to collect on the car. I was locked out from the online portal and the only info I ever received was when I called in and was only told it was " charged off. '' If I had only known any information that it was charged off, in collections, or being repo 'd I would have tried to work with them. They want the full principal and reinstatement fee which total {$16000.00}... I am self-employed, and a caretaker for a XXXX person. I was completely blindsided by this and not sure what to do.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 2020-05-21
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. (MI)

XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-16
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. (NC)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2022-03-12
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)

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. 

XXXX XXXX bank XXXX XXXX XXXX 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. ''
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (RI)

Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (IN)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

I HAVE JUST LEARNED THAT ALL OF MY PAYMENTS HAVE BEEN MISS APPLIED FOR YEARS NOW! THE COMPANY HAS TOLD ME ON XXXX XXXX THAT THEY WOULD FIX THE PROBLEMS BUT TO THIS DATE OF XXXX XXXX THEY HAVE NOT MADE THINGS RIGHT AT ALL. I NEED YOUR HELP PLEASE THEY ARE STILL MISS APPLYING MY MONEY TO THE ACCOUNT AND THEY ARE NOW CHARGING ME A NSF FEE THAT THEY JUST WAIVED THE FEE BUT I ASKED THEM TO COMPLETELY REMOVE THE FEE BECAUSE I HAD NOTHING TO DO WITH ANY KIND OF NSF CHARGES WHATSOEVER ; & THEY ADMITTED THAT IT WAS AN ERROR ON THEIR PART AND WILL NOT TAKE IT OFF MY ACCOUNT AT ALL! PLUS THEY HAVE FOUND A LOT OF MONEY THAT HAS BEEN APPLIED TO AN UN APPLIED FUNDS ACCOUNT THAT I DID NOT KNOW ANYTHING ABOUT UNTIL XXXX XXXX WHEN THEY TOLD ME ABOUT IT THEM SELF 'S YES I HAVE TRIED MANY TIMES TO GET THEM TO DO WHAT THEY TOLD ME THAT THEY WOULD MAKE THINGS RIGHT WHEN I HAVE ALREADY GIVEN THEM 30 PLUS DAYS TO FIX THE MATTER ; AND THEY HAVE NOT DONE ONE THING WHAT SO EVER IN FACT I WAS TOLD THAT THEY SEE MY PAYMENTS ; BUT NONE OF THE PAYMENTS WERE REALLY APPLIED TO MY MORTGAGE ACCOUNT AT ALL THERE FORE THEY ARE WAY OVER CHARGING ME ON THE PRINCIPAL BALANCE, I AM XXXX WITH XXXX XXXX AND XXXX XXXX INJURY I AND GETTING TO BE ELDERLY! THEY DO GET ALL OF MY MONEY EACH AND EVERY MONTH I HAVE NEVER BEEN LATE AT ALL ; I HAVE NEVER UNDER PAID ANY THING WITH THEM AT ALL! 
I HAVE ALWAYS BEEN EARLY EACH AND EVERY MONTH! I HAVE ALWAYS PAID EXTRA ON THE PRINCIPAL ONLY EVERY SIGNAL MONTH ALL THE TIME THAT I HAVE HAD THIS MORTGAGE ; AND I HAVE TO BARROW THE MONEY EACH MONTH TO PAY ON THE PRINICPAL ONLY PAYMENTS I HAVE NOT PAID ANY EXTRA PRINCIPAL FOR THE MONTH OF XX/XX/2020 BECAUSE I AM AFRAID THAT THEY WILL MISS UP MY PAYMENTS AND CHARGE ME AN NSF FEE AGAIN ; I HAVE ALSO TOLD THEM THAT I CAN PROVE THAT I DIDN'T HAVE ANY KIND OF NSF FEES OR CHARGES OR ANY RETURN CHECK FEES PERIOD MY BANK HAS WROTE A LETTER I HAVE TOLD THEM ALL ABOUT THIS LETTER AND I HAVE TRIED TO SEND IT TO THEM BY FAX BUT I HAVE NOT GOTTEN ANY REPLY FOR THAT FAXED LETTER AT ALL I NEED YOUR HELP PRETTY PLEASE THANK YOU KINDLY FOR YOUR TIME SORRY FOR THE CAPS BUT I HAVE A HARD TIME SEEING THANK YOU. 

P.S. YOU MAY PUBLISH THIS BUT I ONLY ASK THAT MY NAME AND EMAIL AND MAILING ADDRESS NOT TO BE USED YOURS TRULY XXXX XXXX PHONE XXXX
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MD)

As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to XXXX XXXX Sec XXXX, no person XXXX furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. XXXX also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a XXXX government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Discover Bank has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the XXXX XXXX to be over therefore this is still in effect. Discover Bank is noncompliance with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CAP ONE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CAPITAL ONE XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.