davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (CA)

US Bank approved me for a XXXX XXXX Visa card on XX/XX/2022 with a very low XXXX credit limit. I have a XXXX credit score and I need to escalate this to an executive customer service at US Bank XXXX Please increase my credit limit to a reasonable amount such as XXXX for a business credit card.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I transferred XXXX dollars from my XXXX  CHECKING ACCOUNT to my BANK OF AMERICA SAVING ACCOUNT on XX/XX/XXXX, and still, I haven't received the money. Today 's date is XXXX, XXXX. 2022. 
After 5 or 6 visits ( maybe more ) to both banks in order to find an answer, XXXX XXXX gave me proof of payment, meaning that the check was paid to BoA, so seems that XXXX did it right and the problem is with BoA. 
Today I went to BoA where I've been very well treated every single time I went. The representative and her manager apologized to me for the inconvenience despite the fact they are not responsible and offered to me come back with a solution by the next Monday. 
On top of that my XXXX cards ( from BoA and XXXX ) were cloned, so I can't use them until I receive the new cards. 
I'm trying to figure out how to manage my payments. 
Hoping for a solution. 
Thank you!
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RAB, INC. (TX)

XXXX XXXX is an employee of RAB Inc. We have now asked him and his organization to take us off his list and to stop all phones calls on at least 5 occasions. 

He calls us over and over. Leaving very threatening messages. He contacted me today by making it look like my office called me. While he was on the phone with me, he pulled up my address, my auto mobile, my wife and her birthday, and while talking to him, he began pulling up my home, home value, address, car wife 's car and threatening both me and my wife. 

This man is not only a criminal but he is very dangerous. He calls me and I am not even an officer of the company that he says owes the debt. He calls the owner, employees who do not even know about the situation, companies he finds on our websites, and harasses and threatens each of us. This company and this man is very very dangerous. We have asked them now to stop calling for several weeks. They refuse and now are threatening our families. I feel I should start carrying a XXXX. 

Imagine a stranger calling you who you owe nothing and have never met, and they start telling your address, home value, the cars you drive, license plates, wife 's name, my dob, my wife 's dob, and then yelling at you calling you a criminal over and over.

Would you find this threatening? Would you feel endangered?
Consumer complaint received 2024-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I am in XXXX year of XXXX payments. I have followed all instructions for XXXX. Payments have been made on time. During XXXX I continued to make payments and paid off XXXX of the smaller loans. Employment verification and Income recertification submitted annually. Documents always submitted on time. I have XXXX payments left and saved documentation ( from last year ) indicating same. The original borrowed amount was {$52000.00}. Over the past 10 years interest accrued while payments were made. Accrued Unpaid Interest + {$7100.00} Amount to be Repaid = {$59000.00}. Today XX/XX/XXXX I received correspondence from MOHELA. MOHELA capitalized my interest, removed me from XXXX and deleted my payment history. They now state I owe XXXX payments starting in XX/XX/XXXX with the following amount owed : Principal Balance {$52000.00} Accrued Unpaid Interest + {$7100.00} Interest Payable + {$22000.00} Total Amount to be Repaid = {$82000.00} Number of Payments Payment Amount Payment Start Date XXXX {$680.00} XX/XX/XXXX Can someone please help me? I have 11 payments left toward XXXX. MOHELA has refused to update my payment history, they changed the entire terms of the loan and have not acknowledged receipt of my annual income recertification form for this year. They erroneously added the additional {$22000.00} in capitalized interest and restarted my payment history ignoring the last XXXX payments!! I am so distraught. In XXXX I began submitting multiple complaints to MOHELA XXXX XXXX. requesting assistance with other errors noted in my account. Today 's correspondence was their response. Please advise how to proceed.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/year> Equifax Information Services LLc XXXX XXXX XXXX XXXX, Georgia XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX, and # XXXX. Im asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

Debt Collection Violation : under 15 U.S.C. 1601 ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681n ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this Investigation conducted?

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and Times Emails, Phone Number, Addresses etc.

( 1 ) Who did you Speak to ( 2 ) What form of communication ( 3 ) What Day ( 4 ) What time ( 5 ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section 809 ( c ) : Section 809 ( e ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section 1681n : Provides for civil liability for willful noncompliance with any requirement under the FCRA. 
I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section 809 ( e ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section 1681n regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of 15 U.S.C. 1681n and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, Transunion, and XXXX, asking them to investigate Account Name : XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, Transunion, and XXXX ). These inaccuracies are highly injurious to my credit report and my XXXX XXXX. In accordance with XXXX XXXX XXXX : Compliance procedures XXXX B " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX has closed date listed as XX/XX/XXXX, and XXXX XXXX reported that I made on time payments on XX/XX/XXXX and XX/XX/XXXX across all the consumer reporting agencies. This information is misleading and inaccurate and has affected me from getting credit from various lenders.
Consumer complaint received 2022-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, I purchased XXXX worth of Tether on the Coinbase app. 
I then had Coinbase to wire the Tether to a trading platform : XXXX  XXXX On XX/XX/XXXX, I learned that the website was a fake trading platform. Very sophisticated, but fake. I had done previous trades and money wires the week of XX/XX/XXXX from this very same platform/website, so I thought the trading website was legit. 

After wanting to withdraw my money from the platform is when they showed it was a scam. They would not release my initial deposit. 

I contacted Coinbase, this was the response : they knew who the money went to and had the blockchain information. They said I should always know who I'm sending my money to and that they could not help me get my money back. 

Signing up with Coinbase, I did not know that I would be able to send my tether or bitcoin to a fraudulent person or company. I felt protected and did not know fake companies could sign up to do business with Coinbase. As a consumer and customer of Coinbase that is based in the US I had no doubt that they would not protect my virtual currency. They are the experts not me, I had no idea anyone could claim to be a trading website and receive monetary transfers from legitimate companies like Coinbase. Coinbase is assisting with money laundering scams and fraud. 

Now the trading site has been taken down. None of my money has been returned. 
I have contacted government agencies and no one has responded with any helpful plan of action. Its very unfair and wrong.
Consumer complaint received 2022-03-25
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. (CT)

XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, XXXX reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about 50 points. I worked so hard to maintain good credit and in one shot XXXX destroyed ME! 

Please help, they can't violate me and get away with it.
Consumer complaint received 2022-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

THIS ACIMA ACCOUNT WAS FRAUD. I NEVER OPEN THE ACCOUNT, THE ACCOUNT WAS OPEN ON XX/XX/22 I RECEIVED AN EMAIL ON XX/XX/22. I CALLED RIGHT AWAY INFORMING ACIMA THE ACCOUNT WAS FRAUD AND I NEVER OPENED THE ACCOUNT. THE ACCOUNT WAS OPENED ONLINE AND FINANCED THROUGH ACIMA IN MY MAIDEN NAME XXXX XXXX. I HAVE FILED A POLICE REPORT WITH XXXX XXXX POLICE DEPARTMENT MY REPORT NUMBER IS XXXX. THE COMPANY STATED I ALSO NEEDED TO FILE A REPORT WITH CFPB.
Consumer complaint received 2024-08-25
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. (MN)

I Reviewed my Consumer Reports and noticed that I had four payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  : XXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (AZ)

These people I assume are trying to collect a debt for my XXXX XXXX  who XXXX  with bills and zero assets. They are calling my work phone # and Ive answered and told them repeatedly that this is a business phone and to stop calling. They keep calling. Ive told them that I would report them if they keep calling so here we are. I dont know how these people even got my work number, but this needs to stop. 

Credit Control XXXX is the # they keep calling from.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX allerted me that a Capital One CC was opened in my name by someone that I did not apply for, it was approved on XX/XX/22 and mailed out to someone on XX/XX/22, we notified Capital One on XX/XX/22 and it was cancelled by their fraud dept.
Consumer complaint received 2022-03-25
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. (TN)

On XX/XX/2022, I mail a letter to Equifax asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Equifax have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.
Consumer complaint received 2022-03-25
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: BARCLAYS BANK DELAWARE (AZ)

Around XX/XX/2020 I contacted Barclays Card to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit report.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (VA)

This is a complaint against timeshare XXXX XXXX. Everyone I've dealt with from XXXX all claimed to not work on commission. They told us that we're making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to XXXX me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They also enticed me, promising me rental income which according to them, I can earn through this timeshare. We were never properly informed about the fees ; they never made us aware of it. They never informed us how to cancel ; we were never properly educated regarding cancellation, like how many days to cancel and such. We were extremely pressured, they would not take " No '' for an answer. This timeshare only caused us stress and hardships. We were defrauded, lied to and took advantage of us.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (MI)

Dovenmule sold my loan to rocket mortgage. After they sold the loan they did not properly close this account which led to me receiving a XXXX late. I contacted them over XXXX times and talked to supervisor everytime. First contact was on XX/XX/2021. Absolute worst customer service I ever dealt with. I have XXXX credit cards and XXXX houses and never had XXXX late payment. Dovenmule mortgage does recognize it is a mistake on their end and claimed they were working on it but they never meet their own deadline when it comes to keeping me updated in their emails with dates they promise to update me. To keep this story short Im very unhappy because I had to hold off my refinance because of their incapability of running a business and taking care of their customers.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have NO Business with this company. They have called 13 times in the last 3 weeks. Here are some of the numbers they call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did the same thing last year and repeatedly called. I told them I have no business with them and never did. Now they are doing the same repeated XXXX. Please stop them.