davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (TX)

I received a collection letter from Receivables Performance Management LLC dated XX/XX/XXXX stating I owe XXXX XXXX XXXX {$2000.00} for account XXXX. There is {$0.00} in the field for collection fees. I recently found the paperwork from XXXX XXXX XXXX dated XX/XX/XXXX stating the amount due is {$1700.00} for account XXXX. When I contacted the company earlier today and asked about the difference in the amount owed the agent from RPM just kept reinstating the settlement offer. I wonder how can the settlement offer be fair if the principal amount owed is incorrect. I am reporting this because I am not sure if this is just a clerical error or if the company is trying to collect more than what is owed to XXXX XXXX XXXX for Receivable Performance Management LLC profit. I don't this company taking advantage of people.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-28
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. (MA)

Theres a collection account on my XXXX, Transunion and XXXX credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX for a balance of {$4100.00}. This not my account and should be deleted of my credit report. I'm going to try to upload some government ID 's to help prove my identity.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I hold the durable power of attorney for my aunt who is medically unable to handle her finances and other items. Earlier last year we decided to move all of her banking from XXXX and XXXX XXXX to USAA Federal Savings Bank. This process was extremely difficult because even USAA didn't understand their own process for establishing a power of attorney on a new account. We were forced to deal with the same account lock out situation. After several weeks, the account was set up with the power of attorney and I was able to manage my aunt 's financial obligations. 

Today ( XX/XX/2018 ) when I tried to access her account, I received an error message indicating the account had been locked because contact information was incorrect. This seemed odd as I did not recently provide any contact information. I called the phone number that was provided to unlock the account and was told I would have to call back in several days. They refused to give me any reason for the account lock and hung up on me. 

I understand that sometimes security issues arise but that is no excuse for not notifying the member or their representatives ( as specified in the account details ) that were created when the account was opened that access may be limited during a security review. If USAA doesn't understand their own processes for POA 's on an account, perhaps they should review their policies and procedures and provide remedial training.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

SO this is ridiculous, because after filing over 15 complaints with Trans  Union, XXXX and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue.
Consumer complaint received 2018-05-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

This Wells Fargo Financial National Bank is undoubtedly recorded as a charged off account. I analyzed this the main reason why there's a balance showing on the file if it is a charge off? The balance is actually wrong, and the company need to reverse it to XXXX or remove the items certainly.
Consumer complaint received 2018-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been making payments to XXXX XXXX since XX/XX/17 and due to the government putting a forbearance due to disaster near or far away from me, i am having to call each month to remove it. i was not affected by a disaster and I am not ok with someone else deciding for me I need forbearance. I have not approved it nor can I call anyone to end this process. The customer service are trying to help but the account continues to have money moved around and I am getting monthly reminders that I have missed a payment only to find in the account that I did indeed pay it on time. I cant get a number to call with the Department of Education to end the forbearance. I am not approving this and I want my account to be cleared so I can pay my on time payments in peace. I spent 1 hour on the phone trying to fix this 2 times in 2 months. Today a forbearance was put on my account again and my payment due was changed. I have no information in the account about this. Correspondence is sent after my account details are changed so I am getting info after it has been applied. Again without my approval. I want to be informed before something is happening not after. My calls to customer service have to happen to stay informed and are a waste of time on both ends. this system needs to be changed.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WI)

My problem is with the credit bureau 's are allowing companies, that I did not authorize, to do hard inquiries on my credit. These type of inquiries hurt my credit score and I want them removed immediately. There is a total of about 20 inquires that are not associated with any accounts that I have or requested, however they match unsolicited offers that I get in the mail. 
Please help me get these off of my credit reports. What should I do?
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (TX)

For XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I paid the minimum payment that was stated on my Billing but was told that I was 30 days late because I didn't pay my full payment amount. Previously I had paid way more than my payment amount so when the statement came for the listed months, it showed a reduced amount which I paid the reduced amount listed on my Statement. I explained this to customer service but they still would not remove the 30 day late charges that were put on my credit report. For XX/XX/XXXX, I have received a 30 day late to my credit report. I made my payment on time and also paid more than my payment amount for XX/XX/XXXX.
Consumer complaint received 2024-11-20
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-01
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. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2018-05-02
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. (GA)

On XX/XX/2018 I made submitted a dispute via US mail on two accounts on my personal credit report. The invalid nature of the accounts that were reported in direct reflection of FCRA section 605.B and 611 along with supporting documentation validating my identification and the incidents that led to the invalid account postings. 
Please assist me in enforcing the blockage of these invalid accounts as they are hurting the financial well being of both my personal and business life. The accounts question are as follows : Bankruptcy - XXXX XXXX XXXX XXXX Thanks
Consumer complaint received 2018-05-03
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: TD BANK US HOLDING COMPANY (IL)

Between XX/XX/XXXX and XX/XX/XXXX, my roommate used my XXXX XXXX XXXX   to make a series of unauthorized transactions, totaling a very substantial amount. As soon as I discovered the fraud, I immediately called XXXX Guest Services to have the card shut down, and a new card sent to me.

At the time of my initial fraud claims, I submitted the following documents : two Fraud Questionnaires, a summary/confirmation noting which transactions were fraudulent and which ones were genuinely mine, and a police report. I even provided the name and phone number of the person who committed the crime. This information was used to credit only some of the fraudulent transactions, but a majority of them reposted to my account in XX/XX/XXXX. Seeing XXXX error, I called the Fraud Department directly in XX/XX/XXXX directly and spoke to the rep who was managing my case. She told me that she did not receive the documents in time, but if I resent everything again, she would complete a reinvestigation. I faxed them to Guest Services, and was sure to include my account number and the reps name on the cover sheet. I have a confirmation fax that the documents were successfully transmitted.

30 days went by ( again ), and the charges still were not credited. So, I sent the packet of information in the mail in XX/XX/XXXX in a final attempt to have the transactions permanently credited. I made note in the letter that if this matter was not resolved in 30 days, I would be notifying the CFPB disputing the balance with the credit bureaus, and closing my account for good.

It is now XX/XX/XXXX and interest has been accruing on this fraudulent balance for six months now. The transactions still have not been credited event though I have sent the same packet of information four times over now. This is unacceptable.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: First Data Corporation (WI)

On XX/XX/XXXX I wrote Check XXXX to the grocery store for {$64.00} On XXXX It bounced On XX/XX/XXXXit cleared The check was deposited via telecheck systems at the cashier. 

Two weeks after on XX/XX/XXXX my account gets a debit for XXXX from " my grocery store as a fee '' I immediately told my bank I did not authorize it. I didn't have XXXX in my account so on XX/XX/XXXX they bounced it, and charged me XXXX Today XXXX, I called the grocery store, they said they had nothing to do with it, Telecheck sent the XXXX fee. They told me to call Telecheck, at XXXX, I called. When I explained the situation, and cited www.fdic.gov/regulations/laws/rules/6500-580.html Section 3 ( c ) 1 Checks " Regulation E does apply however to any fee debited via an eft from a customers account by the payee because the check was return for insufficient funds or uncollected funds. The person debiting the fee electronically must obtain the consumer 's authorization. '' I did not authorize the fee, and they never notified me of it. When I called the number they then sent me to XXXX XXXX XXXX  XXXX, where I explained the same. 

They broke the law debiting a XXXX fee by not garnering my consent. 

I did tell them they can charge it on Friday, payday. However, I am reporting this practice because this check for food for XXXX cost me nearly twice as much as the amount on the check in fees between the bank and this company.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC (GA)

In preparation for closing the sale of my current home I contacted Ditech, my mortgage company, for payoff information approximately six weeks prior to the closing for payoff balance, etc. I asked if that month 's payment and the next, if the closing had not taken place by then, could be rolled into the payoff total that I was receiving.

That was done, however, now that Ditech mortgage has been paid in full and I am trying to be approved for a new mortgage I have learned that Ditech posted two months late payment to my credit score that came in the week I was to close on the new mortgage. This, of course, has caused the approval to be delayed which may cost me the purchase of my new home. 

I was ill advised by Ditech and have pleaded with Ditech to remove these late payments but so far have not been able to succeed. I have owned homes for over 40 years and have never had late payments before this posting.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services is repeatedly attempting to collect 3rd party debt operating in XXXX, South Carolina.I am receiving new call and mail from Resurgent Capital Services on Debt from 2003. Statue of limitations is long gone. They are using their affiliate or associate XXXX for collections. XXXX  needs to stop taking my old accounts and contacting me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc. (GA)

Shows up as " Medical Data Systems ''. I do not recognize this phone number or this company. I do not answer numbers or callers that I do not recognize. If a call from an unrecognized number leaves a voicemail, I delete that voicemail before the message even beguns to play. Too many scam robo-calls out there. 
Thank you for your help.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This concerns XXXX XXXX. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid myXX/XX/XXXX payment which was dueXX/XX/XXXX on XX/XX/XXXXwhich was one day late, not 30 days late. They reported to XXXX that I was on time. They reported to XXXX  and Trans Union that I was 30 days late in XXXX. I caught the account up in XXXX and can not have them showing 30 days late when i was not. Also, XXXX and XXXX show a balance of {$17000.00} which is incorrect and TransUnion shows a balance of {$13000.00} which is correct. I made 4 payments in XXXX and XXXX to catch up. XXXX XXXX told me that they had a system update in XXXX and could not report untilXX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/ ). They tell me they reported and can not correct until the XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-01
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. (FL)

Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us! 
I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else! 
They have no right to deal with my life and business! They are database and personal information thieves!!! 
I see them responsible for any damage that may or may be caused to me! 
The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you! 
I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information! 

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
Consumer complaint received 2018-05-02
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: EQUIFAX, INC. (MA)

Midland Funding, LLC amount of {$7700.00}. I have disputed and sent XXXX, Equifax and XXXX   copy of court document showing that case under Midland Funding, LLC was dismissed and I am to pay nothing. I also sent a police report