davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC (CA)

Total Visa is breaking the Law according to FCRA, by law this company must provide me a copy of the original contact with my signature on it to validate this account belongs to me which they have not. By law this account must be deleted from my credit report. I have supplied this company with Identity theft documentation and all other documentation they have requested including utility bill from XX/XX/year> which is verification that I was not living in the state this account was opened under. They are terribly difficult to deal with, several representatives stating false information that they can not find an account under my name refusing to allow me to speak to the correct departments to report the fraudulent incident. This company has damaged my credit and next steps will be to file a lawsuit for damages. Total Visa is a very bad company and I do not recommend anyone do business with them. After I have supplied them with all the correct documentation required by law they are fraudulently reporting to my credit and action needs to be take against this company! Total visa also stated that they would escalate this situation but has provided no further details. This matter needs to be investigated and solved Immediately.
Consumer complaint received 2023-12-18
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. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-12-18
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. (VA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2023-12-18
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX  XXXX Balance Owed : {$22000.00}.
Consumer complaint received 2024-05-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

On XX/XX/2024 I purchased a prepaid gift card via the online store vanillagift.com in the amount of {$200.00} as a gift for my girlfriend. As a XXXX supported prepaid gift card, I assumed its use would be widely accepted and that seemed true based on the cardholder agreement. 

This assumption was wrong. As she attempted to use the card it was frequently getting denied. We attempted several different vendors and received the same result. A call to customer service by her yielded no assistance. As I looked for answers online, it seems to be a common trend that vanilla gift cards are not working as promised in the cardholder agreement and calls to customer service go unanswered.
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

This complaint relates to Select Portfolio Servicing Inc ( SPS ) lying to me and to CFPB in their response to CFPB. In my complaint # XXXX to CFPB, I mentioned that SPS made an unauthorized withdrawal from my escrow account to pay insurance when my insurance was already fully paid until XX/XX/2024. In their response to CFPB, SPS said they did the right thing in paying for the insurance due to their receipt of a Declaration from the Insurance company. They attached that Declaration with their response to CFPB, which I am reattaching here. This payment was unauthorized and illegal for 2 reasons : 1. I never asked SPS to pay for the insurance because it was already fully paid until XX/XX/2024. 
2. The Declaration, that SPS attached as an excuse for their wrongdoing, clearly says " This is not a an Invoice/Bill. ( See Page 3 of Attachment, which is the same that SPS provided to CFPB in Complaint Number XXXX ). So why did SPS take my money from my escrow account to pay insurance when there was no bill and claim they did the right thing? They lied point blank even in their correspondence to CFPB, an organization that has teeth. Imagine how they have bullied and lied to me.

3. This illustrates how SPS has been providing me with extremely poor customer service. Their representatives have been giving me contradictory answers due to the lack of training they received. I feel bad for the front line reps who have to deal with frustrated consumers like myself when it is not their fault. It is SPS ' bizarre internal processes that give bad image to their staff and cause monetary damage to consumers. 
4. By law, SPS had 30 days to put the escrow balance in my hand. They did not send out the real money until XX/XX/XXXX, almost two months after they closed my escrow account. Their saying they mailed the first check out on XX/XX/XXXX was a lie. Others customers complained on CFPB website and to XXXX about same issue. They never truly sent out the first check to buy another 30 days with money in their pocket so they can make money with it. 
5. I want an apology from SPS and payment of {$300.00} to me for the 5 hours I spent on the phone chasing down the unauthorized insurance payment SPS and the extra days they kept my escrow balance refund If a consumer mortgage payment is late, SPS charges late fee. They were late in refunding my escrow and they wasted my time through their unauthorized payment. They should compensate me. Fair is fair.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-30
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (KS)

I was looking for companies to consolidate my debts. And I was just looking for companies online and I wanted to see what the company bright did so I put it on my information and I just assumed that when I link my credit cards up that's when they would charge me to consolidate my debt well about a month later they end up taking {$99.00} out of my account. I've contacted them about XXXX times and sent numerous emails and they keep sending me the same email over and over and over again and at the time I was so frustrated I had canceled my account or deleted my account I'm sorry and when I figured out that when they when you asked for a refund they put it in your stash I re-downloaded the I put my account back in and now it's saying it didn't take any funds from me and I just want my money back I tried to call them they're not answering I've emailed and emailed and emailed I've contacted them on chat and I'm getting nowhere with them so I guess I'm going to have to come raise a complaint.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY (TX)

I received an email from American Express inviting me to open a savings account and if I did open it I would receive a {$350.00} incentive if I opened my account with XXXX by XX/XX/2023. I opened the account and have kept the money even past the time that they required, which was 12 weeks and I still havent received any money and they keep fighting me on that. I have the email to prove it. They keep opening cases and giving me case numbers and escalating this problem and nobody wants to fix my problem. I have the email as evidence.
Consumer complaint received 2024-05-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (FL)

On XX/XX/XXXX someone took a loan out for XXXX on affirm to buy something on XXXX thats all I can see on my account I didnt notice this until XXXX when I had a charge to my card from affirm and I never made that purchase I called XXXX and they told me someone had my affirm information on a different XXXX account other than my XXXX account I told them that wasnt me and asked them if they could send me proof that I was not the one who made that purchase they told me they can only send me my own accounts purchase history so I sent that to affirm and they said thats not enough information Ive called affirm 8 times trying to get this figured out but they keep saying their is not enough evidence and say I am responsible. Im not paying for something I didnt buy or receive. I just check they said they had information on why I am responsible all they have is that my affirm account made that purchase. Affirm had to be run by a bunch of toddler if my affirm account information was taken of course its going to say my name.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Hunt & Henriques (CA)

Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. 
XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX There are three companies that are supposed to be holding the account, this is a confusing tactic as A consumer can never get to the bottom of the account and get the correct information I have been trying for several years to get this removed. I dont know if someone opened this in my name or was it another card from when my identity was stolen. This is not my account I have never used XXXX XXXX
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC. (AR)

XXXXXXXX XXXX XXXX  closed n transferred my money to Arvest bank. I had a free checking account but with the transfer they opt to put me in an account that charges. I was never was informed that they would charge me. I had free checking so I assumed I would be the same. I never signed up to pay when it was free. They took it upon themselves to take my money. If I signed up for paying is one thing but them to do it should be against the law.
Consumer complaint received 2023-08-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

this company bought a debt from XXXX XXXX XXXX  WHICH wasn't an obligation to pay but instead dividends owed to me. this has caused me to become homeless because i cant qualify for a decent luxury apartment complex. instead of removing the debt off my consumer report they continue to Harras me but calling and sending default notices in the mail. by law this is illegal business practice and needs to be compensated for.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (OK)

XXXX XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I revised my credit file and to my dismay, I see damaging reports that you failed to either CORRECT or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you to perform a logical investigation on these accounts.
Consumer complaint received 2023-12-18
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$22000.00}.
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

I am writing to formally lodge a complaint against Progressive Management System ( PMS ) in light of their continual attempts to collect a debt that unequivocally does not belong to me. 

I was first alerted to this matter by the Credit Bureaus on XX/XX/2023. According to their report, PMS has been persistently trying to collect a debt that I ostensibly owe. This information is entirely incorrect and bewildering as I have no knowledge of any such debt nor have I ever been a debtor to PMS or any related entity. I can not help but think of this situation as a glaring case of identity theft or gross mismanagement on part of PMS. 

Furthermore, I have attempted to rectify this situation several times by directly contacting the agency and explaining the circumstances. Despite those efforts, I have not been met with a satisfactory response or any herald of action on their part. That PMS continues such fraudulent activity is not only damaging to my reputation but is also causing me undue financial strain and stress. 

It is my right as a consumer to be free from erroneous debt claims and to rectify any mistakes promptly and efficiently. Unfortunately, the lack of cooperation from PMS is obstructing me from exercising that right. 

I kindly ask for your help and intervention in this matter. I am eager to collaborate with you in any way possible to clear this mishap and ensure such instances of misinformation that put consumers under undue stress and suspicion are avoided in the future. 

Enclosed with this letter are copies of the notices I received from the Credit Bureaus and my previous correspondence with PMS, illustrating my attempts to resolve the issue on my own. Please reach out at your earliest convenience if you need additional information from me. 

Thank you for your time and I look forward to a prompt and satisfactory resolution of this issue.
Consumer complaint received 2023-12-18
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

XXXX of XXXX I was notified by our Insurance carriers that the mortgage company had not issued payment for renewal of our insurance policies - Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided them with the information I had for our servicing company. I then received a notice in XXXX that policies were cancelled due to lender non payment. I tried calling our lender and was not able to reach anyone to determine what was going on. I was finally able to reach someone that informed me that our loan had been sold back in XXXX of XXXX. I was never informed that the loan had been sold nor had I received any kind of welcome letter or transfer letter of any kind. I then come to find out that our automatic payments also stopped during that time. In XXXX I was finally informed who the new services was and tried several times to log in online as I was unable to reach anyone by phone with no luck as I did not have the new loan number. Today I received a call indicating that all I needed to do was send in my insurance information and payment would be issued. They did not seem to understand the issues that arose from all of this. Automatic payment were not drafted as needed - Insurance was not paid as required - Monthly billing statements were never provided - a notice of transfer of servicing was never provided.
Consumer complaint received 2023-04-25
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. (AZ)

I asked to validate this inquiries on my consumer report that I do not recognize on XX/XX/XXXX. 
XXXX ( cfpb case number ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. 

Its been more than 30 days please delete this inquiries that are not mine from my consumer report.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX is the accoun {$28000.00} Original balance {$19000.00} that TRANSUNION XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information.

( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Navient Solutions, LLC. (NY)

I graduated from XXXX XXXX never received a degree. I owe XXXX never received a job. I can not afford my loans and they withheld my degree. I can not move forward. The school is closed and I am XXXX XXXX XXXX and can not do anything. They made promises and they never kept them.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

I've had my car repossessed by this company twice. I've called and tried to get a print out of how much I've paid into the loan and they won't provide that for me. I've had this loans XXXX years and the loan amount is still the same. I was never aware of the interest rate or that the loan should of been paid off within a month. Instead they have you pay a small amount monthly and I've been doing that for XXXX years. I've looked at my bank statements and I've paid a lot into the loan.