davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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. (GA)

IDENTITY THEFT REPORT ATTACHED! ATTEND TO THIS MATTER IMMEDIATELY! 

The listed companies have access to very sensitive personal information without permissible use or written authorization from me, the consumer. I have no account attached to these inquiries nor did I secure a business relationship with any of the following companies. They are misleadingly and inaccurately reporting to my credit report and are damaging my financial reputation. 

Cease and Desist further reporting of the following hard inquiries. Remove these inquiries from my credit profile immediately as it is causing personal and financial injury to my reputation and livelihood. 

IMMEDIATELY CEASE REPORTING OF THESE INACCURATE HARD INQUIRIES TO ALL THIRD PARTIES INCLUDING ALL CREDIT REPORTING AGENCIES!! 


DO NOT SHARE MY PERSONAL INFORMATION WITH THESE COMPANIES! IMPERMISSIBLE PURPOSE! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collection is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I was very confused as this account has been paid for a very long time. However, Mountain Land Collections continues to report a balance. I ask that you delete this account from my credit file. I will also make you aware that reporting inaccurate information on credit could constitute fraud under both federal and state law. I ask that you provide me with a deletion letter as this account is reporting erroneously and this debt is not owed.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TN)

In XX/XX/XXXX I received an alert on my credit report showing delinquent accounts that had been given to a collection agency. This had happened to me previously, 2 years prior and similarly, I had no knowledge or consent given regarding the accounts and with deeper inquiry had found inaccurate addresses listed in my personal info on my credit report as well. The accounts were quickly verified as fraud and I had my credit report updated to remove the incorrect Georgia addresses as well as a fraud alert statement added and then my credit frozen with all 3 bureaus ; this was completed in XXXX and neither the alert nor credit freezes had been removed when I received notice of these new " delinquent accounts '' in XXXX of this year. 

I reached out to the collection agency, IQ Data International using the information listed on my credit report and was told that they would mail me a fraud packet regarding the fraudulent activity from XXXX XXXX XXXX ( GA ). When I hadn't received this packet within the week, I called back for an update and was told it had already been sent, but since I had been told by their agents that I would only have 10 days to dispute the charges, I requested a second packet be sent. In the meantime, I sent my own packet to the collection agency with my ID Theft Report, a notice to furnishers, and my government issued ID on XX/XX/XXXX. I received from them 3 days later a letter informing me of the debt they were holding me accountable for, and at that time I mailed them back their requested copy of a police report, proof of residency ( I have never lived in GA and have been at my current residence for XXXX years ), and my government ID. 

On XX/XX/XXXX I received the initial packet back in the mail as undeliverable, so I called the collection agency to check for updates. They confirmed they had received my response to their letter and said they had reached out to the supervisor at the apartment complex. I have been unable to find valid information online for the apartment company listed as the initial account, and the number I did find was someone's personal phone line ( they hung up on me when I asked questions ). I asked the IQ Data agent if they were able to also give me the address for the complex so that I could send them notice of my identity theft and they quite aggressively told me they would not do that and that I could wait a week and call them back to see what they decided and then they ended the call. I called back immediately and asked an agent for a good mailing address to send in additional documentation ( the packet that had previously been returned as undeliverable ) and was given an email address that I used to send over that initial packet.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (FL)

I have been trying to get into an old cash app acount of mine. I no longer have access to tge email or phone number linked to the account so i reached out to customer support now for weeks and i continue to get the same answer which is and i quote, for securiry reasons we can not give you access to this account. I have the cashcard, i have sent a copy of my drivers license, gave them addresses, my social, dob and everything but still thats the answer i get. To make the matter even worse the last 2 stimulus checks have been deposited into said account and i cant even touch it now so tgese people have rougly XXXX  dollars of my money and will not let me have access to it. The reason i no longer have access to the email or number linked to the account is due to the fact that i was in a very violent relationship where i was almost XXXX  and he changed all my passwords to everything. He is finally in prison so i dont have to hide anymore and tgis account is the most important account i need due to tge fact of all the money thats in it
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion placed a collection debt on my credit file without proper investigation and I wish to dispute or have the debt collection removed immediately. I understand my rights as a consumer and believe Transunion is in violation. The collection they reported is from a collection company called XXXX XXXX account # XXXX in the amount of {$6.00}, XXXX. I asked the collection company for debt validation and they failed to provide proof. I am a very responsible person and my credit history is excellent. I've lost over 100 points due to transunion failure to investigate matters.
Consumer complaint received 2021-03-26
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: CURO Intermediate Holdings (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IN)

My federal loans are consolidated and serviced by Fed Loan Servicing. I qualify for the PSLF program and have submitted documentation for regular tracking of my qualified payments. When determining the number of payments that qualify, Fed Loan Servicing 's system had an incorrect " amount due '', showing XXXX cent more than was actually due for 11 of my payments. Therefore they stated that those 11 payments did not qualify. 

I reached out to Fed Loan Servicing on XX/XX/XXXX and spoke with an agent named XXXX. Her agent number is XXXX. The agent told me that she could see my loans and that the amount that had come over from the previous servicer was not that amount that was entered ; it was off by that XXXX cent and that my payments should have been counted. 

I always had my payments made automatically, on time, and for the full amount. 

At this time I requested that these payments be reviewed. I called back after a couple of months and was told that the review was not yet completed. I called again a month later and a month after that, still with no progress and no available updates at all. When I called in XXXX, I found out that they had not submitted a review of all 11 payments, only 6 of them. At that point I requested that they start a review of the other 5 payments as well. 

I contacted them again around XX/XX/XXXX, 8 months after the initial review. They stated there was no update and the review was still pending. 

It has now been 10 months and the review is still " pending ''. Even though XXXX told me from day 1 that she could see the error in the servicer 's records, and that all 11 payments should have counted, they still have not completed the review. 

In addition to this, around XX/XX/XXXX I submitted updated paperwork for another year of completed services towards PSLF. They still have not updated my totals to reflect these 12 months ( I submit new documentation annually now ), over 10 weeks later. 

I will finish my 120 payments in 21 months. But without a successful completion of these reviews, plus a timely response of my updated PSLF activity, it will not be possible to complete my 120 payments and have my loans forgiven. 

All I ask is that my reviews be completed and my accounts updated correctly and in a timely manner. This would have taken XXXX 5 minutes to do, if she had access to update the account to begin with ; yet 10 months later and still nothing. 

Thank you for your help!
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC (IL)

I found the following on the Washington State XXXX XXXX. This is what happened to us as well. They very official looking paperwork to try and collect a debt that does not exist. When we requested further info they promised to get it to us but nothing every shows up. One employee they said the debt was {$3300.00} and to withhold 15 % and send to them at a XXXX Utah address and 2nd request for a different employee of {$1200.00}. The red flag for us is we got 2 request in the same day. We only have a total of 5 garnishment across our population of employees. I uploaded they 2 documents they sent us. 

The Washington State XXXX  XXXX XXXX XXXX ( XXXX ) received information that an entity using the name Apex Servicing has sent faxes to employers in Washington attempting to garnish wages from employee paychecks for alleged loans owed to XXXX XXXX and XXXX XXXX. 

An employer reported receiving a fax labelled as Wage Assignment Demand Notice. The fax alleged that the employee had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from the employer to repay the loan. The information received by the employer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXXXXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX A Washington consumer reported receiving a similar Wage Assignment Demand Notice at their work. The fax alleged that they had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from their employer to repay the loan. The information received by the consumer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXX XXXX. The demand instructed their employer to deduct 15 % of their disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I placed an order for an item on XXXX website on XX/XX/2021. I spoke into a person via chat on XXXX website the persons name is XXXX. He explained that the order was already processed and there was nothing he could do on his end. He explained that I needed to contact the bank and to to do a dispute form that there was an error on their side of the end. And I am sending you guys documentation. TD bank says there is no error. That I needed to contact the merchant which I already did twice. And I sent them TD Bank the dispute department documentation I am sending you more documentation which you should have. I would like to get my money back which was {$75.00} that I tried to place an order and I didnt get the item.
Consumer complaint received 2021-03-29
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. (IL)

On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail. They are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not.
Consumer complaint received 2021-03-30
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: Continental Finance Company, LLC (CT)

According to emails from XXXX reps, a refund was supposedly issued for purchase made on XX/XX/XXXX, the amount of {$350.00}, has not posted to my XXXX account to date. The last email from XXXX rep, XXXX, on XX/XX/XXXX states refund was issued to prior card ending in XXXX. It is now XX/XX/XXXX and has not posted. Prior to this, I emailed rep in fraud/disputes by the name of XXXX XXXX, she was explained the above and emails from XXXX were forwarded on to her. Never the less, she placed charge back on to account, refused to review emails and or assist with dispute any further. This issued was detailed in prior CFPB complaints, still unresolved, last complaint was marked as duplicate to avoid addressing it and attached screen shots of emails from XXXX reps. I suspect rep replying on behalf of XXXX  aka Continental Finance will also mark this complaint as duplicate, if so, I request CFPB investigate the bank for this behavior. I have attached screen shot of XXXX email showing refund
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XXXX XXXX XXXX, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of XXXX XXXX XXXX, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).
Consumer complaint received 2021-03-30
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. (IL)

On XX/XX/XXXX I entered into a person loan with XXXX XXXX for {$15000.00}. Due to being diagnosed with Covid 19 in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was hospitized, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by XXXX XXXX on this loan. When I was well enough, I contacted XXXX XXXX and notified them of my near death health issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted XXXX again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.
Consumer complaint received 2021-03-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (FL)

In 2017, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, Florida, and I told the sales man that I was in need of a car. I had a trade in. I told him the I was on XXXX XXXX  XXXX XXXX Insurance and I could not afford a new car. He told me that he had one for {$10000.00}. I agreed to the price, however, without my knowledge, the dealership added a {$10000.00} warranty maintenance agreement. I was struggling to pay the monthly payments ; also, when I discovered that the maintenance warranty was part of my payment, I returned the car because I did not know and was not informed of the maintenance agreement that was on the car.

I notified GM of the issue but they reported it to the credit bureau. I has kept my credit score low and I have been under a heavy financial interest payment. 

It was the fraudulent activity by the company that caused the problem and it should not be on my credit report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, XXXX, is listed incorrectly. I request that my Date of Birth, XX/XX/year>, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Consumer complaint received 2021-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I requested PMI be cancelled on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, I requested a statement showing what my previous PMI payment was prior to it being cancelled. I never received a response. I also called to obtain that information but the representative I spoke with could not tell me. After cancelling my PMI I expected my mortgage payment to be slightly reduced, but I have continued to pay the same amount ( XXXX ) for XXXX, XXXX, XXXX and XXXX. I have been unable to get answers from the Loan Servicer. None of my statements reflects the amount of PMI I was paying. I don't understand why no one can tell me how much I have been paying in PMI. I should be owed a refund of any PMI payments that I have made after PMI was cancelled. I filed a complaint with the XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, but have yet to receive a response even though the deadline was XX/XX/XXXX. After filing the complaint I interestingly enough did receive an escrow analysis document informing me that my payment would be increased beginning in XXXX. But that still does not account for the payments I have made this year that apparently included PMI even after it had been cancelled. My mortgage is currently serviced by Lakeview Loan Servicing.
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.