davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (FL)

I sold assets in my investment account at Ally Bank to be wired on XX/XX/XXXX for total of {$220000.00}. It has been a week and funds have not been wired. I explained to them this was time sensitive. I have spoken with representatives at least once daily. They are waiting for a second supervisor to ok the wire, apparently one has already approved it, but we are in limbo and funds are still frozen. I have not heard from any supervisors, despite my requests. A whole week to have funds wired to me! On the same day, I had funds wired from XXXX XXXX. The transaction took less than 10 minutes for a comparable amount. I had to sell assets I hated to sell incurring losses because of Ally 's incompetence.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (MI)

Discover started off as a good credit card but the company started charging outrageous interest rates. More than what I had been charging on the card. I pay the payments faithfully but the interest is extremely high and I can never get the balance down. It's nearly double what it should be. So I find myself paying nearly 3x over to get the balance down. I've frozen my account to stop any unnecessary usage and the interest rate is still high. My limit was also cut and I have no history of late payments according to the customer agent I spoke with. Therefore I feel I've been discrimated against based on my financial demographics and location although I have no late payments with this company.
Consumer complaint received 2024-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

After opening a spending account with ally bank I lost total access to my auto loan information. I have been trying to get the issue corrected calling them several times and they have not been able to provide me with a solution. I am very concern of being late with my auto loan payments because I am unable to make payments using their website or app as they keep telling me they are working on it but still no fix. As a custumer, I should be able to make on time payments and have the resources needed to be able to complete this task.
Consumer complaint received 2023-09-27
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: Navient Solutions, LLC. (NC)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. NAVIENT XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-11-09
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX  XXXX Balance : {$910.00}.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I WOULD LIKE TO EMPHASIZE THAT THESE ACCOUNTS WERE, IN FACT, PAID IN FULL!! Upon reviewing my records, it is clear that the accounts were paid in full, and there is no basis for the " settled '' status. Furthermore, I would like to bring to your attention that I have recently communicated with the respective bank, and they have acknowledged the error on their part. In light of this acknowledgment, they have agreed to DELETE this inaccurate information from their records in order to avoid any legal action. 
XXXX XXXX XXXXXXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
I kindly request that you promptly investigate this matter and make the necessary corrections to my credit report by removing the inaccurate " settled '' status. I expect this dispute to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) within the 30-day timeframe.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called spoken to different representatives express that I never gave no company 's or third parties any authorized written permission to ha e or use my personal information to determine if I'm competent. User good faith this hasnt been the case n the amount of account receivables company 's have on my name with out me begin to access the account is punitive damage.n harming my family punitive damage financial situation financial situation
Consumer complaint received 2023-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY ASSOCIATES , LLC is taking me to court for an account that was sold to them by XXXX XXXX. They are violating multiple 15 USC 1692 sections at this moment.
Consumer complaint received 2023-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC (GA)

I have been dealing with Specialized Loan Servicing ( SLS ). This experience has been horrible to say the least. It got to the point that after the repeated harassing phone calls, and sending people out to my house weekly to take pictures and charge this back to me, that it became a game with my man handling my account. He blocked my account to where I could only speak with him and this was getting no where. I made it clear that I was disputing this account. It was a laughing matter with him. SLS sent notice to foreclose on my house back in XXXX. I had to pay {$32000.00} to save my house. I made it clear that this debt was disputed and I even placed disputed on the cashier 's check. I have now received another notice to foreclose on my house. I just got off the phone with SLS and they are saying that I owe {$8400.00} to sop the foreclosure. This does not include any additional fees. I am furious because the allegedly debt was {$43000.00}. I am told today that the balance is $ XXXXand that I will have to wait until the foreclosure attorney reaches out to me. I have bought this house in XXXX and they are trying to take my home. I am extremely exhausted and over their collection process. I need this matter handled immediately. Their collection practices are illegal and it seems as if they are able to do whatever they want to do.
Consumer complaint received 2023-01-02
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. (SC)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX account XXXX and account # XXXX violated my rights 15 USC 1681 602 A states that I have the right to privacy.

15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. 

If you have any questions I can be reached at XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (NV)

For the past 3 months I have been actively disputing accounts that are not mine and were illegally obtained. I do not have a written contract with any of the 3 accounts that were being disputed. I further more did not give consent for the bureaus to report any information against my knowledge. I called them and they told me they refused to take anything off of my report even when they acknowledged it was done fraudulently. They also stated that they don't even do the investigations themselves. They just send a letter to the company to ask if the information is true and that's it.. They refuse to delete anything I have asked them too. Including not sending me how they verified or did any investigation.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the accounts on my credit report that are a result of identity theft. I have recently discovered that my personal information was compromised, and as a result, these accounts were opened fraudulently without my consent. The accounts in question are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I want to inform you that I have already reported this incident to the bank, and they have agreed to remove the accounts from my credit report. I request that you remove these accounts immediately from my credit report as well. I am deeply concerned about this situation and fear that this may happen again in the future. I request that you take all necessary steps to prevent this from happening again and inform me of the steps taken. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-12-29
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX, XX/XX/XXXX, XXXX XXXX I have consistently sent letters to Transunion about credit card acts that are on my credit profile that I wont deleted. They have not deleted them, and refuse to even respond to my request Ive called and been hung up on and they only allow you to dispute one thing at a time. If you see 3 errors once you dispute 1 there system kicks you out so I mail everything to them. 
There reporting is ridiculously they toy with scores and it makes no sense what so ever. I have a 99 % payment history, but yet every month I have XXXX points removed and then I complain and they put same points back and then repeat the same loss of points each month destroying ones credit score ( State of Arizona Statute limitation for credit card debt is 3years, auto loans is 4 years, medical and mortgage is 6 years. Unpaid state taxes is 10 years Accounts : all open ended accounts such as credit cards below I requested that they be deleted, they are all 5+ years old and others are 10+ years old. They are settled {$00.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries not removed that were fraudulent, I personally contacted the company XXXX that as a result several other companies under them has inquiries on my report as well. I told transunion that at the same time they said my acct was hacked three times within a two month period and I wanted them removed. I sent 6 apology letters from XXXX which took accountability for any inquiries they took place as a result of them shopping for rates for something I never requested on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX never okay or authorized them to do anything for me, in fact I have a opt out on file not to share and I dont do red parties XXXX XXXX-someone consistently tries to open accounts and Ive spoken to XXXX XXXX. I already have a XXXX XXXXXXXX but more and more inquiries keep appearing. Fraud XXXX XXXX XX/XX/XXXX, XX/XX/XXXX on report twice XX/XX/XXXX, XX/XX/XXXX on report, XX/XX/XXXX and I have a freeze, but transunion allowed a inquiry
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute an unauthorized hard inquiry on my credit report. This inquiry violates my rights under the FCRA. This inquiry dated XX/XX/2024, was not authorized by me and lacks any legitimate reason. I request immediate removal and confirmation of action taken.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I hope this message finds you in good health. I am writing to express my extreme frustration and dissatisfaction regarding the repeated and unsuccessful attempts I have made to remove fraudulent items from my account with Experian and XXXX credit bureaus. Despite my multiple requests for assistance, these unauthorized charges and items continue to plague my account, causing significant distress and financial hardship. 
I have made numerous attempts to address and rectify the presence of fraudulent items on my account, including : Despite these persistent efforts, the fraudulent items remain on my account, and my concerns have not been adequately addressed. 

As a result of these ongoing issues, I have incurred unauthorized charges and fraudulent items on my account, which have caused both financial and emotional distress. Some of the specific fraudulent charges and items include : I am formally requesting the following actions to be taken with immediate effect : A comprehensive investigation into the origin and persistence of fraudulent items on my account. 
An explanation for the continued occurrence of these issues and a concrete plan for the complete removal of all fraudulent items. 
The full reversal of unauthorized charges and the removal of all fraudulent items from my account. 
Implementation of robust security measures to prevent further fraudulent activity on my account. 
A written response outlining the specific steps you will take to resolve this matter within 15 days of receiving this complaint letter. 
Failure to address these concerns and provide a satisfactory resolution within the stipulated time frame will compel me to escalate this matter to higher authorities, including regulatory agencies and legal channels. Kindly help me remove the following fraudulent items : 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 XXXXXX/XX/2022.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group (OH)

On or about XX/XX/ my joint checking account was garnished by Velocity Investments LLC for {$8400.00}. Even though, I had repeatedly requested information on this debt over a period of 3 years, I never received any documentation. 
Furthermore, the account is a joint account that I own with a sibling and received no notice of garnishment. 

Additionally, proof that XXXX was allowed to send the money to Velocity since it was a joint account and why was I not notified nor the other account owner.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX a natural person/consumer noticed i had identity theft on my recent credit report XX/XX/2022. Along with other things that were incorrect such as name addresses and employment. I filed a FTC report on XX/XX/2022 and have not got any type of response from XXXX, Experian, XXXX and XXXX.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Skrill USA, Inc. (CA)

The company I am having problems with is Paysafe and either their sister company, or Paysafe again but under a different company name. The salesman lured me into a contract with much lower rates then what was actually on the contract. I have never been sent a copy of the contract myself either. The credit card machine they sent me was extremely slow, taking about XXXX minutes per transaction to connect to their systems and the customer 's bank. I was barely using it because of this, as my customers, and myself were getting impatient with the machine. When I tried to reach out to them about getting a better machine, or resolving this issue, they refused to cooperate, and never returned my phone calls. I then just stopped using the machine entirely, and switched to alternative payment methods. Soon after, I started getting billed for not being " PCI compliant ''. I then went and completed the PCI compliance maybe 3 months after I've been billed about it, but they still continue to charge me for not being PCI compliant to this day even though it is done. They then started to charge me around {$200.00} for " inactive fees ''. I then sought to reach out to them again, and basically had to trick them to finally get someone on the phone to speak to. I spoke with XXXX a customer representative for the company and cancelled my contract with the company. I have attached below evidence of our correspondence and proof of the contract cancellation. They continued to charge my bank account after the contract has ended, and I found out that they were double charging my account with a XXXX merchant bank under a different name. I called my bank XXXX months ago, and blocked their withdrawals from my bank account. The total amount of money they have withdrawn from my bank account totals to {$5000.00}. Now they are threating to sue me for not paying for a contract I am no longer a part of. They have never sent me a billing summary, my contract, and are near impossible to contact.
Consumer complaint received 2023-07-17
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: MOHELA (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.