davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I did not give XXXX XXXXXXXX XXXX XXXX on XX/XX/year> permission to pull my credit report. This is a fraud inquiry on my XXXX Credit Report.
Consumer complaint received 2024-07-29
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TX)

The company failed to make the data breach known and kept it a secret. Thus letting thieves gain access to my information and the company offers the XXXX program as a form of pay off to keeping me from pursing legal matters due to their negligence and failing to inform me of my compromised data.. I havent accepted this experian program because it does nothing and the fact still remains that my information was compromised due to them not having measures in place and also failing to inform me when they found out so I can monitor my credit. This experian programs does nothing for me or helps me because its after the fact .. Ive paid enough to satisfy their loan. Therefore if they release their lein and return my title, i will honor me not pursuing for a larger monetary sum for damages due to their negligence. If you agree to my demands, I will not push for a lawsuit or seek anymore damages. the company acknowledges my information was leaked and acknowledges that it was their fault for my information being comprised and acknowledges through their own admission and responses that they failed to notify me in a timely matter. They know it is their fault that my information got accessed and financially ruined me. Besides the car doesnt have a engine right now and is currently at a auto shop incurring storage fees, and Im informed that the mechanic will put a lien on also, so now Ill be stuck with two liens.And lets mention the dangerous tactics their repo company had used the other month to cause danger to me and other drivers on the road with their aggressive following tactic 's. And not adhering to breach of peace law they have broke many times.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I wrote a check for {$30.00} XXXX  # XXXX to the XXXX XXXX XXXX XXXX on XX/XX/year>. That check was lost or stolen. That check was " washed '' and changed to XXXX XXXX  XXXX for the amount of {$7700.00} to payee XXXX XXXX XXXX cashed on XX/XX/year>. the address of the church is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX But it was lost.XXXX, XXXX remembers the check but never deposited or cashed it. 
The payee XXXX XXXX XXXX is not known to me or my wife. We owe no one for any services or Items.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (IL)

XXXX Down fraud transfer my name and use my name request and send my wife name to transfer with my phone service port line pull to make another account and pull to information my phone service and phone service give 7 days temporary pin without my permission and make XXXX dollars money transfer my account to wife account and money is gone Bank blaming to us we request mistake but we not request the reason we dont need this money because the day is car payments and comed payment why we move or transfer this money to XXXX XXXX money in my account I deactivated because few days before debit card bank order and we not in position this card before hacker use my card purchase and thats day incident Ill be stop my XXXX XXXX 
Anyway is long detail me and my wife dont request this fund by XXXX we facing serious theft and we need to bank fraud department to find more detail because is not our number use to transfer money I have several proof in my hands
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (TX)

I have place JEFFERSON CAPITAL SYSTEM, DEBT COLLECTORS in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] g Also stated : Account/Reference No. : XXXX, SELLER : XXXX XXXX XXXX XXXX XXXX, MN. You have placed the above mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt
Consumer complaint received 2024-07-07
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-29
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: Affirm Holdings, Inc (FL)

On XX/XX/year> Affirm furnished a late payment on my consumer report without my knowledge as stated by law 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I never received a notice 21 days prior to Due Date affirm has stated they accurately verified the account. how was this account and information verified? 3 days before due date was not mentioned in any part of 15 U.S. Code 1666b - Timing of payments It is their duty as stated by law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Which Affirm is clearly in violation of my rights this if affecting my every day life of living as well as damaging my credit worthiness as stated by law 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

I contacted Citizen 's Bank on XX/XX/year> as I was unable to make an online payment on my account or setup an auto payment beyond the minimum payment due. The loan I have is for financing XXXX ebikes through XXXX and the financing arrangement was 12 months interest free followed by 29.99 % interest if not paid in full. I have just spent the last hour trying to make a payment and setup an auto payment to pay the balance within the year as to not be charged the additional interest payments and have still been unsucessful in doing so. I told them I thought it was criminal how difficult they make it to pay off early and that I would try and let others know not to use Citizens Bank or Citizens financing in any way if they can avoid it. I certainly will never use them. They are not an ethical company in my opinion.
Consumer complaint received 2024-07-07
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC (GA)

XXXX XXXX XXXX has used different names in attempt to collect money from me which I do not owe. They have my personal information using it under different alias : credit management company, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is a direct violation of my rights and I plan to consult with an attorney. They failed to provide me with an itemized bill after multiple request for months I have been asking and they continue to ruin my credit. I have already filed this ID theft and provided the information regarding this theft and nothing was done. Now these same fraudsters sent me another bill on XXXX XXXX stating I owe XXXX but they cant tell me who why where or for what. This is unlawful. I want this removed from my credit immediately!
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In XXXX, I disputed a debt with XXXX XXXX  who sold the debt to PORTFOLIO RECOVERY ASSOCIATES. I disputed that I did not receive information that my debt was in jeopardy of going to collections. Which, I did not. I was unable to provide proof at the time, to match the timeline. So, this item remains as a negative impact on my credit. I reached out to XXXX XXXX  and was given false information, that they would get the debt back from Portfolio Recovery Associates and I would be able to pay the remaining balance of the debt, less the late fees and interest added. 

I was told to follow-up within 30 days. Upon doing so, I was told by another representatives that once the debt is sold, there is nothing they can do and I need to speak with the collection agency. 
I explained that, I did not receive a DEMAND LETTER, commanding that I make the complete payment, before selling the account to Portfolio Recovery Associates. I also explained that, the last correspondence I received from them was an email, offering me a payment plan, XXXX months before I was alerted that a collection had been added to my credit reports. 
In my state of residence, Louisiana Debt law states that I must receive a DEMAND LETTER, before any further course of action can take place. I did not. 
At the time of going delinquent on the account, I was in the hospital with COVID-19. I was out of work for several months. I explained this to them, once I was able to start working again, in the latter part of XXXX. 
Trying to resolve the issue with XXXX XXXX  has gotten nowhere. 
This has lead me to research the debt laws in my state. 

According to my state, Louisiana, this account is considered an OPEN ACCOUNT, a credit card account. In regards to XXXX XXXX, the prescription is XXXX years, from the last payment made on the account. The last payment made on this account was within the same month, I tested positive for COVID, XX/XX/XXXX. We are now XXXX XXXX. Which according to my state and the state in which Portfolio Recovery Associates is trying to collect the debt, the statute of limitations has expired. 

While I am not one to purposely choose to not pay a debt, I tried to resolve the issue in paying the remaining balance with the original creditor, that I agreed to do business with. However, I was strung along and lied to about getting the debt back from the collection agency. 
This leads me to now requesting that this item be removed from their records and demanding that it also be removed from my credit reports. 

I have attached information from Louisiana Debt Law, as well as the last email correspondence received from XXXX XXXX, my last payment receipt email, as well as the account information from my XXXX credit report ; showing the specific date the collection account was opened with Portfolio Recovery Associates. Which further proves there was no DEMAND LETTER mailed out to my residence, before submitting the account to a collection agency.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent my 2nd letter to TRANSUNION, XXXX, AND XXXX on XXXX, about reporting inaccurate and incomplete information on my consumer report. I had notified them that they are reporting inaccurate and incomplete information per 15 usc 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

they are in violation of 15 usc 1681e ( b ) as well by not reporting 100 % accurate and complete information. 
this is causing me XXXX and suffering by way of denial of certain things
Consumer complaint received 2024-07-07
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-07
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NE)

I am currently an anesthesiology resident physician at the XXXX XXXX XXXX  XXXX XXXX ( XXXX ). I am asking for your help with a XXXX XXXX XXXX, MOHELA. I have almost {$400000.00} in student loans after medical school and I plan to pay off every XXXX. 

MOHELA provided me with documentation on XX/XX/XXXX that my student loan payment would resume on XX/XX/XXXX. I have documentation from them stating I was placed in the XXXX XXXX XXXX XXXX ( XXXX ) plan after previously being in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  ) plan. They said I had been placed in XXXX and my monthly payment would be XXXX. I set-up Auto Debit Payment to be withdrawn from my bank and got a confirmation letter from MOHELA that auto pay had been set-up on XX/XX/XXXX. 

Today, I realized a payment for my student loan had never been taken out of my bank account. I logged into my MOHELA account. MOHELA placed me on forced administrative forbearance on XX/XX/XXXX. I was placed in forbearance without my knowledge or approval. In forbearance I am accumulating over {$2000.00} a month and unable to make a payment that would count towards my XXXX payments for XXXX. 

I called MOHELA and after waiting 2 hours to speak to someone they told me my XXXX plan application is still being processed and until it is processed fully I would remain in forced forbearance. They said it could take until XXXX before my XXXX plan would be processed and I would have to remain in forbearance. 

This is craziness. The XXXX plan guarantees I should never see my balance grow as long as I keep up and make my required payments. My interest is growing fast and I just want to make a monthly payment to start to pay off my huge sum of loan. MOHELA won't allow me to do so. I should not have to pay interest I have already accumulated because of this loan service company. Can you please help me. Is there anything I can do?
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX StatusAccount charged off Status updated XX/XX/XXXX Balance {$2600.00} Balance updated XX/XX/XXXX Dear XXXX Subject : Request for Removal of Collection I am writing to request the removal of a collection inquiry made on my credit report by XXXX XXXX XXXX The inquiry was initiated without my authorization, and it has negatively impacted my credit score. ALSO, CONTACT THE CREDIT COMPANY THEY OFFER TO REMOVE INQUIRY ON THE XXXX. Below are the details Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX My Social SecurityXXXX XXXX XXXX My Address at the Time of Inquiry : XXXXXXXX XXXX XXXXXXXX XXXX XXXX have reviewed my records and do not recall applying for credit or authorizing XXXX XXXXXXXX to perform a credit check. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information on my credit report that I believe to be inaccurate. And law section FRCA SECTION 605B Since this inquiry was unauthorized, I respectfully request that it be removed from my credit report. 
Thank you for your understanding and cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a new checking account with Regions bank requiring me to deposit {$50.00} in the account in order to go have a card made for me at ANY branch location, thats what I was told. I open and fund the account, today was the last day of waiting for the pending deposit to fully settle. I walked to the nearest branch to get my ATM card and was told by a nasty representative that the card was already ordered so I had to wait. Going back home to look into more information, I am told that I dont even have an eligible checking account so I try to open one and use the deposit of {$50.00} that I funded two days prior, as the deposit for THIS checking account. Still no access. So now this is day three XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (SC)

XX/XX/year> XXXX tried to make hotel reservations with a Citi credit card issued to me in XXXX. The charge didn't go through, so I contacted the number on the back of the card. The rep started asking me to verify my whole credit card number and I told him I was uncomfortable giving the whole number over the phone. But I said i'd give him the last 4 digits and he said he needed the full card info. I asked if there was other ways to verify my identity like the security questions I submitted and he said he could not. Unless I had a landline to call to verify, and I said I'd give him my husbands cell phone numberXXXX  still no to the suggestion. He said he'd have to verify my identity through a letter in the mail that could take 7-10 days and this was the only way to verify. I asked for a supervisor but none is available. 
Frustrated I can not use the travel credit card for my trip now as I will loose my reservation. I can not understand how a company in the XXXX century could operate this way.
Consumer complaint received 2024-07-07
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. (NM)

XXXX sent my new credit to an address in Virginia. This was the incorrect address. I do not live in Virginia. XXXX now a victim of identity theft due to XXXX giving someone else my credit card. I had to close the account in order for the card that were sent to another address.
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services of Iowa Inc. (MN)

Im being constantly harassed by Credit Bureau Services of Iowa , Inc., debt collector representatives for a debt I dont owe and is the result of identity theft. The following debt from XXXX XXXX, account number : XXXX, reference number : XXXX with a balanced owed of {$50.00}. The debt isnt my debt and is the result of identity theft. Credit Bureau Services of Iowa is in violation of the Fair Debt Collection Practices Act ( FDCPA ).