davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has deleted 2 accounts from my credit report finally. However transunion and XXXX are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted transunion today XX/XX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by transunion they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for transunion and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (SC)

i got a letter in the mail saying i owe this money and i never open this account they don't have proof i open this account anyone can go online to open accounts in anyone name therefore im asking that this bill be closed out i never open this account in my name at all.
Consumer complaint received 2023-05-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This complaint is towards XXXX XXXX XXXX agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. XXXX as Violating Consumer Laws Section 15 U.S. Code 1611. 

It states on XXXX This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which XXXX as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore XXXX and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for XXXX to remove These Negative items from my Credit report Immediately.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM MY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (MN)

Franklin American Mortage Company did not pay our county taxes which resulted in late fees and penalities. They assured us that they would cover the cost of the fees, but in addition to their check they took the money out of our escrow account resulting in the county being over paid. The county refunded Franklin American Mortgage ( our money ) and now they are refusing to reimburse us the funds that were mistakenly removed from our account. We 've been working to resolve this since XX/XX/XXXX, which had resulted in over a 10 phones, countless hours of our time wasted and extreme frustration. Every call we make to them results in poor customer service and a belittling attitude -- not one person there has taken ownership to resolve this issue!!
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by XXXX. I have received a response that clearly violates my rights according to HIPAA. 

XXXX, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2016-10-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

They started calling XXXX to 6 times per day from a XXXX Number. They call early in the morning and late at night not to mention the XXXX calls i get during work hours. 
Now they are using a XXXX number and doing the same thing as the XXXX Number. 
I do not want to be harrassed as i am not up to pay back my loans until XX/XX/XXXX
Consumer complaint received 2023-05-13
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)

I am submitting this complaint to being notice to of the unlawfully reported unauthorized accounts on my consumer report this has violated my federally protected consumer rights to privacy and confidentiality under the FCRA law USC 1681. I have not given my written permission to put anything on my credit profile. I have been violated by you as state 15 USC 1681b You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated Identity THEFT! to title 18 USC 1028A. You have knowingly possessed, transferred, and or used without lawful consent and authority means of identification of me. Which is a Felony Punishment of 2 YEARS imprisonment! including civil liability, You're in violation of 15 USC 1692g and can be fined {$1000.00} per violation. Delete these account per my written instructions. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-05-13
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. (IN)

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 XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2017-09-06
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. (GA)

On XX/XX/XXXX I submitted a dispute along with identification and original police report documents for myself and my sister who was a victim at the time as well. This dispute was sent via mail to XXXX, XXXX and Equifax reporting services, according to the Fcra section 605B, all information that is a result from a case of id theft will be blocked in 4 business days, until the day of this report we have not heard back any response of the status. I would like the situation resolved by unauthorized info being blocked.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (PA)

My pocketbook was stolen out of my car on XX/XX/XXXX, I reported it theft to the XXXX XXXX Police Department, everything was in my pocketbook, Social Security cards, credit cards that belong to me and my husband, XXXX, XXXX, a Netspend card. that was fraudulently used was in my bag, the card was in my husband XXXX XXXX name, and it was fraudulently use of {$3200.00}, that was deposited from the IRS from our XXXX  taxes, and it is under investigation through the XXXX XXXX police department, who has all the information on the fraud and the purchases through surveillance from XXXX XXXX! All this was reported to Netspend, and they refused to give us our money back, they told us that we were getting text alerts about the fraudulent charges through a cell phone that was also stolen and it was in my bag!!! This whole scenario has left us in debt, I am so frustrated with this company! Weve been with them for over 13 years, I cant believe the way this is all playing out! I also reported NETspend to XXXX  new XXXX XXXX XXXX XXXX XXXX!!!
Consumer complaint received 2017-02-23
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

I deposited what turned out to be a fraudulent check drawn on Wells Fargo by mobile deposit to my savings account at Wells Fargo on XXXX at XXXX XXXX Time for {$2400.00}. They gave me full availability of the {$2400.00} on XXXX at which time I withdrew {$2200.00} and the bank then returned the deposited check on XXXX creating an overdraft in my account of over {$2000.00}. Wells Fargo rep explained that they do not process mobile deposits until late the night one day after the deposit was made. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now they want me to cover the overdraft. The fact they wait a whole business day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this delay. Also UCC 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by midnight deadline, they lose the right to dishonor the check. 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XXXX at XXXX Time '' and her account statement shows the deposit under the posting date of XXXX. Therefore, applying UCC 4-214 ( c ), the deposited check drawn on Wells Fargo should have been returned and charged back under the posting date of XXXX. It was not. The chargeback is posted under processing date of XXXX.
Consumer complaint received 2023-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IL)

I received a phone call from my HR department informing me that a wage garnishment was sent to them regarding a debt collection settlement. When I called the county clerk I asked about this case number. That is when I was informed that a court date was set for garnishment. I explained that I was never notified about a court date. The county clerk told me that I was served. I told them I was never served. The clerk told me the name of the person who was served. The person that was served was a XXXX XXXX XXXX kid, who is a minor, on XX/XX/XXXX and that a judgement in favor of the collection company was issued on XX/XX/XXXX. I never saw the paperwork. I never received mail. The address on the paperwork is not correct either. The court date set for garnishment is XX/XX/XXXX XXXX  and XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX {$1000.00}
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have been trying to get online statements for the past ten days from my checking account at XXXX Santander. I spoke to a supervisor, XXXX, on XX/XX/2017 after a 40 minute hold time. XXXX told me that she would have someone get back to me ... After a week of patiently waiting and hearing nothing I called again and waited for 33 minutes but got connected to XXXX who was going to try and connect me with XXXX but she hung-up on me. So I contacted the District Manager by phone and left a message for XXXX XXXX XXXX, To date I have not heard one word from this bank. I would like to start working on my taxes and need the ability to gather data on line and sort data. I have no idea why they are not providing basic services for my account. I know they have the capabilities but are unwilling to fix this issue. I am sure this is happening to other customers and this is a clear violation of federal law and banking regulations. I am reaching out to you in hopes you can get someone to at least contact me and get this situation resolved. Bad customer service is no excuse for no customer service. I can be contacted at XXXX XXXX, XXXXXXXXXXXX. I look forward to your timely response.
Consumer complaint received 2023-05-13
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. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

On XXXX XXXX a payment request from my girlfriend via XXXX was accepted by me XXXX {$1000.00}. Two minutes after I approved payment, the recipient canceled the transaction on XXXX. Funds were still drawn on XXXX XXXX from Wells Fargo and sent to XXXX with a trace number provided. I contacted XXXX on XXXX XXXX and representative told me that since the recipient was party to cancel the transaction, it would still process and would automatically reject her account and be placed into my XXXX account after XXXX6 business days. I called back after 6 days and XXXX and was informed that they did not receive the funds from Wells Fargo. I called Wells Fargo and opened a claims investigation, and was told that a investigator would be contacting me within XXXX5 business days. I was never called and after XXXX XXXX I called to check on the claim and a representative told me that is was closed. I have called back and forth between Wells Fargo and XXXX with XXXX parties stating that they do not have the money, and each time I get told either Wells Fargo sent the money or XXXX did not receive it. I have been provided the Trace Number from Wells which I supplied to XXXX, and nothing has come of it.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

Keep getting non stop repeated calls from this debt collector known as Midland Credit Management. They call at all hours of the day and night, every day of the week. I do not know who these people are, they leave no messages. It 's very hard to block the phone number because they cycle the numbers meaning they call from a different XXXX or XXXX number each time. My credit reports does not show any negative marks from a Midland Credit. They seem to be trying to collect on an old debt that is beyond the statute of limitations or they be scam artists.
Consumer complaint received 2023-05-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX has failed to verify information I dont feel a proper investigation was done and investigation was opened XX/XX/XXXX and its now complete and today is XX/XX/XXXX ask for validation who verified that no one can give me that information I am requesting now to file a formal complaint about XXXX not fully doing a investigations and not providing the information on who validated and verified this account the payment his and date valves are all inconsistent information across the bureaus which does not meet the FCRA laws which by law requires them to remove this account permanently I am disputed the inaccuracy multiple times and nothing was done as you can see there are results within three days from the previous dispute, so how was the investigation properly done XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XX/XX/XXXX FCRA violation 15 usc 1681 I am currently in the market to buy a home and was reviewing my credit report & found some errors in the reporting of ( XXXX XXXX  open XX/XX/XXXX ) You are reporting information about me that is inaccurate.All three credit bureaus are reporting different high balances.on this account I. As you are aware there can only be one high balance on an account. This account has not been properly verified.Delete the following account immediately for failing to comply with the FCRA ( XXXX XXXX  open XX/XX/XXXX ) Thank you for your time, See attachment
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Vinson Mortgage Services, Inc. (IL)

In XXXX of 2016, I was the real estate XXXX representing a couple trying to buy their first home. That had already been working with XXXX XXXX of Vinson Mortgage at the time, and as the transaction continued, his behavior became more and more hostile and unprofessional to everyone else involved in the transaction.
Consumer complaint received 2023-05-13
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: Affirm Holdings, Inc (AL)

I had existing loans through Affirm that were valid, but there were fraudulent loans showing on my account that I did not authorize or know where they came from. When I realized the loans were showing on my account and showing as past due, I contacted Affirm and disputed them. When Affirm would not do anything with my dispute, despite certification that they were fraudulent transactions, I attempted to dispute them with XXXX. To avoid further damage to my credit report and because the loan was a small amount ( less than {$1000.00} ), I paid the loan while I tried to resolve the dispute. 

Affirm claims to have verified the information on my report, but will not verify that the transaction was disputed and was fraudulent. XXXX continues to keep the late payment on my credit report even after I filed a dispute. 

The documentation available on my account indicates that the account was fraudulently opened in my name using a stolen credit card number and an old address that I have not lived at for over 2 years. I dont know who or how my information was obtained to commit this fraud, but I do know that it wasnt mine. I have verified, repeatedly, with XXXX and Affirm that these are fraudulent.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I continue to have to dispute the following accounts over and over again. The following accounts were included and discharged in a XXXX  XXXX Bankruptcy in XX/XX/2017 : XXXX XXXX XXXX acct ending in XXXX is incorrectly being reported as OPEN with a balance of {$24000.00} on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information. This most recent addition of the incorrect XXXX account information costs me a XXXX loss from my credit score. This has happened before. 

XXXX XXXX XXXX  credit card acct ending in XXXX is incorrectly being reported as OPEN with no status as an Other Account on Equifax and XXXX, even though both credit bureaus have records of the the previously reported correct information ( discharged in XXXX. XXXX ).