davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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. (PA)

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : 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 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One responded to my complaint # XXXX with the CFPB by stating that I was not " guaranteed '' an increase in credit line by manually applying. The conversations are recorded and I would challenge Capital One to produce that phone call because it can clearly be interpreted the way I am stating. They also state that someone explained the credit steps program, this is also a flat out lie. It was only explained after I asked for a Manager, then I gladly accepted it after he could actually do his job and explain his companies policies. I will not be called a liar by Capital One, if they have the conversations recorded which they do then they need to be heard by a third party. Obviously Capital One likes to interpret them as they see fit. I would like this reported to the SEC and FDIC.
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX/XXXX Inquiry XX/XX/2017 I do not recall giving the above company permission to access my credit report from Transunion or any other credit bureau, I request proof, rather it is my signature, or voice recording giving my premission to access my credit bureaus
Consumer complaint received 2024-11-08
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. (FL)

Dear Sir/Madam : While checking my most recent credit report, I noticed Fraudulent credit Inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX Employers : XXXX XXXX XXXXXXXX XXXX  Employers : XXXX XXXX  Employers : XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
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. (PA)

This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XX/XX/XXXX Trans Union XXXX me that XXXX XXXXXXXX removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit on XX/XX/XXXX. This account has been closed for XXXX years. This account is reporting as a closed account to all other credit bureaus however, Trans Union is reporting it as an open account with XXXX missed payments impacting my credit score severely. Attached are pphotos of my credit report showing the inaccurate reporting of the same account/creditor. XXXX has this under a closed account and Transunion says its open and its suppose to be charged-off since XXXX. Please remove this account from my credit file
Consumer complaint received 2020-01-17
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. (CA)

XXXX XXXX XXXX Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XXXX. After XX/XX/2018 THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. XXXX had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. 

I have complained before with no avail from XXXX XXXX. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!
Consumer complaint received 2018-06-21
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. (GA)

Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ACOUNT # XXXX BALANCE : {$720.00} CREDITOR : XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX XXXX XXXXXXXX XXXX XXXX DOCKETS # XXXX TYPE : CHAPTER XXXX BANKRUPTCY DISCHARGE INQUIRIES THAT DOESN'T BELONG TO ME : 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 THESE ADDRESS BELONGS TO MY EX-WIFE, FATHER AND SON. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX JXXXX  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 2024-11-08
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I emailed XXXX  customer service to resolve a payment/billing issue I encountered last month. It has been 3 weeks and I have not heard back. 

The situation : - In the middle of XXXX, or potentially towards the end of XXXX ( I can not confirm the exact date ), I logged into https : //lakeviewloanservicing.XXXX/ and increased my monthly auto-draft payment amount from {$2000.00} to {$2500.00}. 
- I did not know, nor did the website clearly state, that changes to auto-draft payment options take 2 weeks to go into effect. 
- My monthly mortgage payment auto-drafts on the first of every month, and has done so since the inception of this mortgage - I have never missed a payment and have always had auto-draft set up. 
- I have made sure to always have sufficient funds in my bank account to pay at the first of every month. I can produce bank statements to show I had enough money to pay on XX/XX/XXXX and this was not a bank error. 
- After changing my auto-draft amount in XXXX, my XX/XX/XXXX payment did not process and was missed. 
- On XX/XX/XXXX, a late fee was imposed on my account for {$82.00}. 
- On XX/XX/XXXX, I was notified via phone call that my mortgage was being sent to collections and I had the option of paying over the phone. 
- This was the first time hearing that my mortgage payment was missed. I immediately tried to understand the situation and confirmed with the person on the phone I always had auto-draft set up and at no point did I cancel it - the customer service rep confirmed. 
- The customer service rep ended up waiving the {$82.00} late fee for me but could not waive the {$15.00} one-time payment processing charge. 
- In addition to the processing charge, I also realize that since my payment was missed, Lakeview/XXXX will notify the credit bureaus and my credit score will go down. 

Please let me know if there is any other information I can provide to help with this matter. 

My contact information is : email : XXXX cell phone : XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (GA)

I recently learned that a medical collection account has been put on my credit report ( XXXX  ) by XXXX XXXX. It states it was first reported XXXX, XXXX. First, I have never received any written documentation from this company notifying me of any dispute and did not have the opportunity to validate, etc. Second, this company changes the amount owed by increasing it by {$1.00} each month and re-reports it to the credit bureau further damaging my score. It is my understanding per FDCPA that a collection agency CAN NOT charge you more than amount owed on any account. Third, I  constantly get phone calls daily numerous times after requesting I be contacted only via email or postal service as I do not have validation of this account belonging to me. I have requested validation and have not received. This company has numerous complaints filed against them for their continued unlawful practices. 

The XXXX has given AWA a rating of F. There are 30 closed complaints against AWA in the past three years, with 10 closed in the past twelve months. Almost all of these complaints allege problems with billing and collections, with 7 complaints alleging additional problems with customer service. The Consumer Financial Protection Bureau ( CFPB ) has logged 56 consumer complaints against XXXX since XX/XX/XXXX, alleging violations ranging from attempts to collect debts not owed, to inaccurate credit reporting, to misrepresentation and false statements. Justia lists at least 3 cases of civil litigation naming XXXX as a defendant. 

Further, in XX/XX/XXXX in United States District Court, Eastern District of Texas, a  judge issued an Order regarding a civil action brought against XXXX for alleged violations of the Fair Debt Collections Practices Act ( FDCPA ).
Consumer complaint received 2018-09-12
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: SYNCHRONY FINANCIAL (OR)

I purchased a string trimmer and maintenance kit from XXXX XXXX XXXX using a 0 % interest for 36 months payment program through XXXX XXXX. The payments included a one time promotional fee of {$150.00}. We were billed for the promotional fee for a total of three times. We spoke with customer service agents at XXXX XXXX twice about the billing error and continued to receive billings for promotional fees after being assured they had been dropped. The last customer service call assured us that the error had been corrected and our balance was {$0.00} only to receive another bill with a late charge. The next call to customer service we were sent to an account representative who was combative and claimed that we had two transactions which justified the second promotional fee of {$150.00}. The " second transaction '' was the maintenance kit bought when we bought the trimmer which cost for {$130.00}. Our initial billing only included one " promotional fee '', not two. The Account Rep said he would review the last call and get back to us and that it could  take up to 30 days to get the recording reviewed. He said that in the meantime we should pay the minimum payment so we wouldn't be charged a late fee. Despite 4 phone calls to " customer service '', we still have no resolution to this situation. 
It is remarkable that, even when requested, none of the XXXX XXXX reps would give us neither a confirmation # for handling this problem or confirm our conversation in writing in anyway. They have no direct phone number or e-mail. NOTHING. From our experience, XXXX XXXX Credit Service is dishonest and a financial predator to consumers.
Consumer complaint received 2018-09-11
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. (NJ)

EQUIFAX is reporting 5 collection accounts that do not belong to me & must be deleted immediately, under FCRA EQUIFAX failed to timely investigate the dispute & provide proper procedure to handle the dispute. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$500.00} XXXX   # XXXX {$100.00} XXXX # XXXX {$270.00} XXXX # XXXX {$860.00}
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

There was a pending transaction that fell off and they still overdrafted my account. I turned off overdrafting 6 months ago and it doesnt matter. They overdraft anyways. 

All dates and balances are in the screenshot I uploaded.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am having a very difficult time with SPS Select Portfolio Servicing. We have tried to apply for a modification, but have had a very difficult time. Every time we call SPS we get different answers and they always seem to lose the paperwork we fax and email to them. We were never able to communicate, which always caused problems. 

I am XXXX years old and my wife if XXXX years old. I had a XXXX in 2017 which cause a medical hardship and caused me to missed payments. With the help of my family, we are over the hardship and can afford our mortgage. We are both on SSI and I have a pension that can afford the monthly payment.
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MT)

On XX/XX/2018 at XXXX XXXX I placed a Sell Order for .XXXX Ethereum for a total ( USD ) XXXX according to the Order Form. After having Placed the Order I received only ( USD ) XXXX. Please see the attached photographs as evidence and proof.
Consumer complaint received 2018-09-11
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. (TX)

I disputed the lates that were on my credit report from all the bureaus XXXX, XXXX and Transunion. All three have not removed the late from XXXX XXXX after being provided proof.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later th
an 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2018-09-11
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (KY)

I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as  both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX / Resurgent Capital Services is claiming I owe {$700.00}. Original Creditor listed as XXXX XXXX XXXX. I have no knowledge of this account whatsoever. I have disputed this via XXXX but the account has not been removed. I received a call from the debt collector who verified my identity by telling me my SSN and DOB and the DOB was incorrect. I sent a certified letter to XXXX / Resurgent Capital Services at Resurgent Capital Services XXXX XXXX XXXX, SC XXXX. The letter I sent XXXX / Resurgent demanded they mail me evidence the account belong to me but I have not received any letters validating the debt.
Consumer complaint received 2022-07-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

I booked a room on XX/XX/2019 online. The reservation and advertising was for " XXXX XXXX XXXX XXXX XXXX ''. On arrival at the address for Hotel given on my receipt, I was unable to find the Hotel because there was no such Hotel at that address. The Hotel at that Address was actually signed and displayed internally as " XXXX XXXX XXXX ''. I asked Management on duty and Management claimed the Hotel had changed ownership very recently and was planning to update their advertising. I refused to stay and was denied a refund by the Hotel. The booking service did give me a coupon coverage a fraction of the costs of travel, rebooking and the actual room cost. I have done research and the Hotel NEVER did update to XXXX XXXX XXXX XXXX XXXX or provide me any proof that the Hotel was ever in fact ACTUALLY the XXXX 's XXXX XXXX XXXX, I sent pictures, documentation and phone records of the original reservation all showing the discrepancy in an attempt to resolve the dispute. The charge and reservation are a fraud.