davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were two glitches in the system of TransUnion. These glitches were in fault a problem of TransUnion and not mine and resulted in the deletion of All inquiries on my report. Later TransUnion added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion twice ( first rep name was XXXX and second rep name was XXXX ) in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add hardship to me financially and my rights have been violated by TransUnion. I ask that you please help me make TransUnion stop victimizing me.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I was released from a lease which had three lessee 's and tried to settle but the lease holder XXXX XXXX XXXX XXXX in  XXXX Florida would not accept my portion of the lease, due to another lessee being delinquent. They refuse my check several times, and then agreed to write me off the lease. They later sent turned over the collection to Hunter Warfiield XXXX XXXX XXXX XXXX XXXX FL, XXXX. My account number is XXXX they have a claim for XXXX. I again contacted them to settle, they refused to settle. I would like to settle, but they released me from the lease only to notify I owned XXXX. I do not owe this amount. I supplied documents they signed releasing me form the lease after they refused to accept my payments.
Consumer complaint received 2024-10-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/year> i received my prepaid card in the mail which was already loaded with a balance on my card from XXXX. My next payment deposited was successful on XX/XX/year>. XXXX has since issued XXXX payments that HAVE NOT posted and are not pending. XXXX payment for XXXX issued originally on XX/XX/year> then reissued on XX/XX/year> due to money network rejecting the deposit on XX/XX/year>. There was an additional payment of XXXX deposit made from XXXX ON XX/XX/year> that has not been cleared or returned to XXXX. XXXX can not re-issue the funds of XXXX or XXXX until money network sends them back to my claim balance. Money network does not see or recognize the funds as ever being issued and therefore has no resolution for the matter nor timeframe of it being cleared
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (CA)

I used a Citi Simplicity Card convenience check to pay for dental work. The dentist office ( XXXX XXXX XXXX ) did not cash the check before it was expired, and asked me to give them a more recent check which I said I would do when came in for final work. 
In the mean time, some work the dentist did for my husband had broken off ( 1 XXXX within 21/2 years and a XXXX in front within less than 2 years ) he said he does not guaranty for this. I was afraid to let him continue to do work on me without a guaranty and do n't want him to finish the job, and I have no  confidence in his work. 
I called Citi credit card customer service to make sure the check I had given could not be cashed and they assured me the there was no problem. Three weeks later, I noticed that I was charged {$3200.00} to my card. I called Citi Bank customer service and they said they would investigate the complaint. They have not reversed the charge to my credit card. I do n't want to pay for the charge after they assured me there would be no problem. 
What can I do?
Consumer complaint received 2017-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

SUB - I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XX/XX/XXXX. 

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day XXXX signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
XXXX XXXX XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.
Consumer complaint received 2017-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Today XX/XX/2017, I received a call from a Capital One fraud investigator by the name of XXXX about a fraud claim that I filed months ago. He told me that an authorized user had made purchases on my account that the authorized user stated to me that they did not make. He told me that they initially help the merchant liable and that the merchant and disputed the claim. I was in a rush and I was not able to speak to him at the moment. He gave me his phone number to get in contact with him. I tried calling but have yet to hear back from him. Without giving me any details or discussing the real issue he told me that the charges will be back on my card. Those charges are not mine and that this investigator poorly handled my case and is not doing a thorough investigation but is merely trying to get my paperwork of his desk in favor of his superiors.
Consumer complaint received 2017-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (TX)

This company wanted my bank acct. Info before loan amount or fees were discussed. They stated they were in good standing with the XXXX. Ok i put in my bank info.They approved me for XXXX. The last step said they needed to verify my bank account. They wanted my online banking login info. To make things worse the terms and conditions state all submitted info is property of opp loans.That is a huge red flag and they have my bank info now. There are ways to verify correct bank info. This should be fraud.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I am writing to formally complain about the debt collection practices employed by your company regarding an alleged debt. I recently received a debt collection letter from you, and I have several concerns that I believe warrant immediate attention.

Verification of Debt : I question whether you have the correct individual associated with this debt. I request that you provide a contract or agreement signed with your company from the original creditor.

Request for Information : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of both the original creditor and the current creditor.

Verification of the debt amount you are attempting to collect, demonstrating that a contract exists that creates the amount you claim is owed.

All assignments showing the transfer of the debt from the original creditor to your company.

Proof that the debt was securitized by the original creditor, including assignments from the original creditor to the secured trust and any subsequent assignments back to the original creditor.

Cease and Desist : I request that you cease all collection activities until you provide the requested validation of the debt.

Credit Reporting : Please do not access my credit report or report any information related to this debt. I dispute the validity of this debt, and I expect that this dispute will be noted on my credit report if you have reported it.

Permissible Purpose : I also request clarification regarding your permissible purpose for accessing my credit report, as I contest this.

Notice of Dispute : Should you choose to pass this debt to another collector, please provide them notice of my dispute regarding this debt.

Thank you for your immediate cooperation in addressing these issues. I expect a prompt response to this complaint.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED GUARANTY CORPORATION (MI)

WHEN FILING BANKRUPTCY DOES NOT EQUAL A FRESH START! 

As of XX/XX/XXXX, our bankruptcy became final. Despite the downward spiral of the economy at that time, we believed we were given a fresh, new start. Little did we know that eight years later, while applying for a VA mortgage refinance ( Ref. :  # XXXX ), we would still be stuck with a remnant of a second mortgage which was specifically included with that bankruptcy. 

Turns out that XXXX XXXX XXXX, now XXXX XXXX, had insured our 2nd mortgage ( Ref. : # XXXX ), through XXXX XXXX XXXX XXXX XXXX of NC, c/o XXXX XXXX ( Ref. : Acct. # XXXX XXXX ), who then, unknown to us, retained a lien on our homes title. So, in order to clear the lien and secure the new mortgage, we had to pay the insurer {$17000.00}. That money was originally slated for some home improvements and bill consolidation.
Here are my points : The original Fresh Start intent of this bankruptcy was totally defeated by the above activity. Plus, we would have gone to our graves while not knowing that our heirs would have to deal with this problem. How embarrassing. Now, if all of this is legal, what good is it? What purpose does it serve, except to protect only those who need it least?
I still have the paperwork and details of the above, as well as of the ignored attempts by us for a Mortgage Loan Modification in XX/XX/XXXX, while the economy and our business started really going south. ( Please note, that the original mortgage was finally modified ( Ref. : XXXX & XXXX XXXX # XXXX ) after the bankruptcy, which then avoided foreclosure. ) When I queried the reason they werent responding, I was told that the bank was so busy, that they were answering only those who were already in arrears ... which, we werent, yet. Of course, there begins the rest of the story, which lead to our filing bankruptcy and later, during better times, the story above. 

If someone in your offices can see there is a more positive resolve for us, in this {$17000.00} confiscation, Id be more than happy to supply all the necessary documents. Please, just let me know. 

Thank you.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

InXX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with XXXX. XXXX Our account number is XXXX. ) InXX/XX/XXXX, XXXX began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with Experian on XX/XX/XXXX. On XX/XX/XXXXI received a response that my dispute was denied by XXXX because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX I submitted a new dispute, directly with XXXX for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from XXXX dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information. 
In XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors. 
When the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft. 
Ignoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the  opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered. 
Synchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score. 
Additionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold. 
I have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me. 
Synchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.
They have also refused to provide a physical mailing address to send legal documents.
Synchrony is making this devastating experience even moreso by their continued victimization of me.
I 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.
I wonder how many other Synchrony consumers are affected by your firm 's nonchalance?
I would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.
If Synchrony is refusing any of this information, I would like the registered agent 's mailing address.
Consumer complaint received 2017-09-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I was enrolled in an institution named XXXX University. The institution was taken over by another group name XXXX University. At this time, the institution worked with a private loan provider, securing false loans for students. I reported this information to the police department in New Hampshire and shared this information with Navient representatives, still no conclusion. The Navient representatives are not responding to my letters, calls and information. I have sent them information from the police department, complaints and etc.. I am not responsible for those loans with XXXX University.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from XXXX XXXX and the other from XXXX XXXX. However, I noticed a month later that Transunion is showing a second hard inquiry from XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact Transunion. I contacted transunion and was told to get a letter from XXXX XXXX in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. XXXX XXXX will not send me a letter Because they 're saying they did n't request my credit report on that date. Transunion is not removing the inquiry stating that I need a letter from XXXX XXXX. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from XXXX XXXX on XX/XX/XXXX to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.
Consumer complaint received 2017-09-05
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. (SC)

Hard inquiry appears on my credit reports - XXXX, Equifax, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Consumer complaint received 2017-09-05
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: General Motors Financial Company, Inc. (CA)

On XXXX XXXX 2017, I purchased a car from XXXX XXXX which resulted in receiving two hard inquiries on my credit report. One from GM financial and the other from XXXX XXXX. However, I noticed a month later that XXXX is showing a second hard inquiry from GM Financial on XX/XX/XXXX2017. I contacted GM Financial and after several hours of speaking to numerous reps, I was told that this inquiry was never done by them and that I would need to contact XXXX. I contacted XXXX and was told to get a letter from GM financial in order to remove this inquiry. This is complete fraud and I have become a victim of inaccurate reporting. GM financial will not send me a letter Because they 're saying they did n't request my credit report on that date. XXXX is not removing the inquiry stating that I need a letter from GM Fianncial. Their next excuse to not remove the inquiry is that more than 1 hard inquiry reported within 30 days for an auto mobile does n't effect my credit score. This is complete fraud. I want the hard inquiry from GM financial on XXXX XXXX 2017 to be removed right away from my credit report whether it affects me or not. Under FCRA, I should be protected from being punished for something I did n't do. No other credit reporting agency is showing this hard inquiry. I need your help to have this inquiry removed as I have worked so hard to keep my credit report clean. Thank you.