davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: United Student Aid (USA) Funds (FL)

XXXX XXXX has committed fraud, predatory lending, and has ripped me and XXXX other young students off. XXXX XXXX has completely ruined my financial futures with lies and deceit. They pulled the XXXX degree program out of the school after I had already started attending to obtain my XXXX XXXX degree. Then they placed me into a different XXXX degree program without ever having the proper prerequisite courses to prepare me for the XXXX program. They have completely set me up for failure and have lied to me every step of the way. My campus in XXXX XXXX, FL is now closed down and I have absolutely no recourse. I have been paying these fraudulent loans for close to 10 years and I still have a long way to go. Everything they have promised me has been a complete lie and I am seeing absolutely no benefits from attending this school. I had to do many months of research to find out where these loans even come from and who is backing them. USA Funds Inc are backing these fraudulent loans and they have done everything they can to hide this fact. The Department of Education has given XXXX us, who have filled out Defense to Repayment applications, the complete run-around and are trying to sweep us under the rug. They are profiteering on the hopes and dreams of young people and are crushing them with unmanageable debt. XXXX XXXX is a complete scam and if you do a simple XXXX search of XXXX XXXX you will see thousands upon thousands of negative opinions of the school and the myriad of lawsuits filed against them from attorney 's general, The SEC, The CFPB and many others. These toxic, fraudulent and predatory loans are backed by USA Funds , Inc.
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

The company is not properly reporting my on time payments to all three credit reporting agencies. They do not report my payments or even that I have a mortgage with XXXX. Ditech currently reports my debt to be reaffirmed after Bankruptcy to XXXX and XXXX. And per Bankruptcy laws and FCRA my monthly on time payments need to be reported as such to all three credit bureaus.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (FL)

Dear Synchrony Bank this is my third time disputing the credit card transaction against XXXX. On XXXX XXXX, XXXX I received a letter from Synchrony Bank post-dated XXXX XXXX, XXXX in regards to a dispute for account ending in XXXX. According to the invoice provided by XXXX XXXX which his own invoice detailed what material and work was expected to be completed at my residence. In the invoice it is documented that the customer, I agreed upon to have granite counter top, installation, and wooden kitchen cabinets installed in the amount of {$7800.00}. Again In his own letter XXXX XXXX stated he never completed the job and not all the goods as promised upon by both parties have never been rendered or delivered. Therefore, I am disputing this charge once again ( 3rd time ) for the goods that I ordered in which were never provided, I was wronged by this transaction, and how can I be charged {$4000.00} for something I never received, was provided, or rendered in its entirety? We opted to utilize another company, XXXX and again I faxed a copy of their invoice showing the work and material that was never rendered by XXXX XXXX had to be repurchased in an amount more than {$4000.00}. As a consumer I would thoroughly appreciate if Synchrony Bank would do a comprehensive review of my dispute. I have faxed more than enough documentation, on XXXX/XXXX/XXXX I faxed a comprehensive report outlining my claim, but I am faxing the same information for the second time for you to review again. Secondly, if you find my claim to have enough merit, I would like Synchrony Bank to remove the funds from the merchants account and put it back onto my account. Despite XXXX XXXX no longer using Synchrony Bank is not matter of our concern as a consumer, because at the time of agreement of the services requested and goods that I thought I had ordered by myself the funds were never received to me from XXXX XXXX XXXX to XXXX as originally agreed upon on XXXX/XXXX/XXXX when I was pre-approved for an open line of credit with Synchrony Bank. 

Respectfully,
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (FL)

Last year I paid this account to clean my credit. I do n't know what this debt was for but I paid a reduced amount in order to have it removed from my credit and receive a home loan.
Consumer complaint received 2016-02-22
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (FL)

The first card still had a balance on it when the new card with my name arrived in the mail. The balance never transferred over and the first card stopped working. I called and they could not figure out or help me. Ok, so I let that go. I have been using the new card with my name on it for a couple months. Yesterday I put cash on the card at XXXX like I always do. The money is not showing up on the card. Customer Service sees the transaction in system and tells me it will take up to 45 days to dispute and fix the problem. Really? They get to sit and or use my money for 45 days. They can clearly see I put cash on the card and ca n't fix this today. Tells me to check my email for progress on the dispute. This is a scam and after I get or if I get my money I will use the card until it 's at zero and then cut it up. American Express prepaid card via their Serve
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS 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 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out that my brother was using my personal information to obtain credit cards and loans. i knew that i had to take care of this but i hesitated because i didnt want my brother to get in trouble. now i must take care of this regardless of the consequences
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 


5. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Update to Open/Never late 6. there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TD BANK US HOLDING COMPANY (MI)

On XXXX/XXXX/XXXX Target the account was transfer/Sold to XXXX XXXX Debt Collector. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call Target and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about XXXX XXXX XXXX garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On Transunion Credit report the Target the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XX/XX/XXXX, the last payment was XX/XX/XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. Target was not able to produce any information so the credit companies took it off my file. XXXX XXXX buys the debt from XXXX XXXX. XXXX XXXX files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and XXXX XXXX XXXX is the subsidiaries of XXXX XXXX XXXX , XXXX who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work XXXX XXXX XXXX paper work that was given to me is not correct because the target account number is blot out with a black marker and the XXXX XXXX XXXX XXXX is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (AL)

My XXXX was stolen. There was a loan from TITLE MAX in XXXX, Alabama. The manager, XXXX informed me that all I needed to do was bring the police report and the loan would be satisfied. I DID inform him that the vehicle was at a scrapyard on highway XXXX in XXXX. he said that once they were scrapped TITLE MAX did n't want them. I did as instructed by XXXX. I decided to use the little money i had to get XXXX from police impound ( {$400.00} ) and make necessary repairs to get it running rather than put into another vehicle. Had windshield replaced ( {$200.00} ) XXXX ( {$100.00} ) XXXX ( {$50.00} ) based on XXXX 's word that loan was satisfied. XXXX was no longer worth the cost of repairs plus amount of the loan. AFTER this was done he sent for the truck. There was never any mention of this to me. He NEVER informed me that he could change his mind, just lied to my face. I have pictures of damages to the XXXX, police reports, and will gladly give detective 's name and number for verification. I 've had previous loans with TITLE MAX that have been settled without problems. I 've always made payments in a timely manner. as matter of fact, when vehicle was stolen, I asked XXXX if interest could be stopped and i could work on paying balance of the loan so i wouldnt default on it. He told me that it wasnt necessary. THIS MAN IS DISHONEST AND MADE ME A VICTIM XXXX!!!!
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

I had around XXXX dollars in my account. I wrote checks to cover bills. XXXX check was written for {$830.00} and the other was written for {$34.00} to XXXX XXXX XXXX checks went to US Bank on XXXX XXXX. The agent for the bank misread the checks. They thought the check for {$34.00} was fraudalent and returned it to XXXX.US bank cashed the other check for the wrong amount for XXXX 
I had written other checks thinking there would be no problems that also went through and US bank cashed them,, A few days later XXXX XXXX XXXX sent the check for {$830.00} through again. This time US bank cashed the check knowing I did not have enough money in my account to cover the amount. They coldly cashed this check ( with not enough funds in my account to cover it and I had no overdraft protection ), they charged me an overdraft fee of {$36.00} and a fee of {$25.00} for over limit fees. This took my checking account to - XXXX 
Seeing this improper behavior of the US bank system I called them and stopped payment on XXXX more checks. My account was overdrawn so I did not want anymore charges. US bank still took in a few more transactions they knew I did not have funds to cover and charged me more fees of {$36.00} and {$25.00}. This took my account to a negative XXXX Again, US bank knew I did not have funds in my account to cover any transaction! 
Days later I received notices from US bank acknowledging my stop payment transactions. I saw a check for {$62.00} that I had stopped payment on. US bank cashed this check in spite of my stop payment. This unscrupulous bank behavior has my account now overdrawn for XXXX Banks are supposed to serve customers not prey on them for fees! These bank behaviors are predatory and should be stopped! 
XXXX XXXX XXXX ( Nevada resident )
Consumer complaint received 2015-07-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (CA)

I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.
Consumer complaint received 2015-07-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. 
Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. 
This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. 
I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.
Consumer complaint received 2016-01-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ARS supposedly a debt collector. No contact information is given. No information about debt originator provided. Just People asking for amounts of money that must be paid over the phone on the day and time of call. I do not plan on paying anyone over the phone so I have requested the information stated above and written statement of above with information to whom I may send a check to. Whoever no cooperation by supposedly debt collector has been provided.