davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

On multiple occassions, XXXX XXXX XXXX XXXX and Radius Global Solutions, these collection agencies have violated my agreement to take a single payment towards a debt that they are trying to collect. They have taken both more than the amount agreed to ( in writing ) and processed payments when they were not authorized to do so. This illegal activity has caused my bank accounts to be overdrawn- which these companies are now threatening me with more legal action due to the NSF incidents that they caused. 

Their approach on the phone is aggressive and threatening. They are calling me everyday when they have been told to stop harrassing me. 

The harrassment began in XX/XX/XXXX and has continued as recently as XX/XX/XXXX. 

The firm XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX and was responsible for the unauthorized charges to my bank account in their attempts to collect a debt. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NH. XXXX XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX Then, on XX/XX/XXXX, the firm Radiuis Global Solutions began harrassing me about the same debt. Their contact information is : Radius Global Solutions LLC XXXX XXXX XXXX XXXX : XXXX Office XXXX Fax # XXXX These firms appear to be the same company with the same main office and fax numbers. They are representing to be different companies and are causing a lot of confusion to an already stressful and scary situation. 

Additionally, both firms has repeatedly called me ( daily ) and have not left voice messages. This constant barrage of calls is intimidating, even after I have told them I am unemployed and unable to make the large payments they are demanding. 

Most recently, they have threatened me in an email to take further legal actions against me- asking for my attorney 's information to take the situation further. 

They have threatened me with state law penalties for the continuing issuance of NSF Payments- which they are the cause of from unauthorized attempts to collect a debt and have placed economic restrictions to make any payments by removing the option to pay by check. They are threatening me that I am committing a crime by not paying these charges. 

Most recently, they sent an email explaining they 'found more bills ' that I owe from other companies that are not related to the original debt. I feel overwhelmed by how they are threatening me with even more legal actions without providing any proof of debt or proof that they are allowed to collect on behalf of the vendor. I didn't receive notice of right to dispute and I didn't receive enough information to verify debt. These newly presented bills are very old debt.
Consumer complaint received 2023-02-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Happy Money, Inc. (NC)

Received an inquiry on my credit from XXXX 
And immediately contacted the company notifying them that the information they had was stolen. Asked them to stop the loan process immediately because I had not requested a loan from them. They ignored my request even though my credit had been flagged as fraud. This appears to be an end of the month quota case by refusing to cooperate. I called them several times with a detective and they assured me that it went to fraud and my account was labeled fraud. 
Now I have a {$25000.00} personal loan charged against me. 
Thank you, XXXX XXXX
Consumer complaint received 2024-04-11
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. (NY)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2018 I mistakenly processed a payment to PayPal Credit for the amount of {$1900.00} through my banks bill payer system. This payment was actually my mortgage payment on XX/XX/18 I was advised by my mortgage company that they did not receive monthly payment, XXXX XXXX XXXX advised me that PayPal cashed the check and I need them to refund the amount back to me. On XX/XX/18 I spoke with PayPal who informed me that a check would be sent out in 7-10 days.  On XX/XX/18 PayPal emailed me in reference to refund check that was never received per our phone conversation that day. On XX/XX/18 I spoke to PayPal again  about not receiving my refund check, they stated again that a check was sent out. On XX/XX/18 received another email in reference to refund check not received. Email states 24 to 48 hours for resolution, still have not received refund check on XX/XX/18. I feel I am being taken advantaged of by this company and have been more than patient but if this complaint does not resolve the problem litigation in small claims court will be my only other option.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (GA)

One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off. 
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account. 
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts. 

*** I have communicated through attorneys to resolve this matter and XXXX XXXX  has refused to comply and show account information and signed contracts. ***
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

On the week of XX/XX/XXXX I was unable to access my bank statements because my log in I formation was changed after my phone was stolen. Quickly I called Chime to gain access to my account. Once I got in I got proof that unauthorized transaction were on my account. I checked to see if my debit card and credit builder card are in my possession and they were not. I called chime reported identity theft and unauthorized card use and the customer service rep ended the call in the middle of the process. I got an email saying the dispute was filed. Then they came back with the resolve and the report details were in error and my dispute was marked as " no error ''. I've called multiple times asking which documents I should email showing my identity theft and the customer services reps keep putting errors in the report.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

Thank you so much for the professionalism and patience in responding to my inquiries. 

My accounts were correctly enrolled into the SAVE program, but I noticed that I was placed into an involuntary IDR Proc Admin Forbearance that I did not request. It is my understanding that interest will capitalize on my account while under forbearance. I requested a forbearance removal on XXXX. Through a phone call to your wonderful reps, a supervisor was requested to review the account and it was confirmed that the forbearance removal was submitted, but that it will take almost 30 days to process that removal. 

As this was an involuntary forbearance, I am seeking resolution on any capitalized interest accumulated while this status affected my acccount.
Consumer complaint received 2023-07-06
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion had problems on reporting inquires being on someone's report without connecting them.Then they would delete it and reinsert back onto the credit report without a 5 day notice ....
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CO)

this debt is listed as closed on my XXXX report but not XXXX and XXXX, further more the open date on this account is XX/XX/XXXX not XX/XX/XXXX. the original creditor violated the contract terms and took more more than was authorized on this account and then refused to credit it on the account as a double payment and then tried to show me as noncompliant and delinquent which is not only unethical but highly illegal, several attempts were made to resolve this matter but to no avail, and this is the third company in as little as 5 years to try to collect this debt. XXXX is violating federal law and the fair credit act in changing date and the amount is way off by XXXX dollars this debt is over 8 years old and is no longer valid
Consumer complaint received 2023-02-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

XXXX sold a ton of mortgages to Mr Cooper in XXXX, mine included. We were all told that it would be a seamless transitio. It has been anything but. I have heard numerous complaints about working with Mr Cooper from former XXXX members. For me, it started when Mr Cooper kept sending me notices that I did not have hazard insurance and that they would be purchasing hazard insurance on my behalf at a cost to me. I tried to contact them but the correspondence did not have a number where you could talk to a real person. Finally a lady in mortgage gave me a number for a real human. 
After multiple phone calls... they put you on infinite hold i presume to get you to just hang up ... to resolve without success I finally got Mr Cooper and XXXX Insurance on the phone together. During that call both sides agreed that I did have the appropriate coverage. The notices from Mr Cooper threatening to buy hazard insurance at my expense continued. Then, for some unknown reason, Mr Cooper just stopped paying my homeowners insurance and I received notice from XXXX Insurance that they would be billing me direct. I called Mr Cooper a couple times who advised they would expedite the payment to XXXX but it took over a week to get to XXXX. Then, at the end of XXXX Mr Cooper sent me a refund check for around {$2800.00} advising I had an overage with my escrow account. I knew that I had not. Now I have received a notice that my escrow is running short approximately {$2800.00} ... imagine that ... and they will be increasing my monthly mortgage payment over {$400.00}. What does it take for the Govt to step in and get these folks on track? Read online and you will see negative review after negative review. This is not a one off problem. As a Veteran I feel let down by XXXX Mortgage and just at a loss in dealing with the incompetence of Mr Cooper. Impress me... somebody step in and fix this fly by night operation. I see a class action lawsuit brewing.
Consumer complaint received 2023-02-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I filed a dispute against XXXX XXXX with all XXXX of the credit bureaus for reporting inaccurate/ unverifiable information on my credit report certified mail. XXXX XXXX reported XXXX inaccurate/ unverifiable debts on my credit report trying to claim the same debt. The XXXX XXXX XXXX Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX and then reports no other data for any of the other months or years. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I asked the Credit to delete be information was inaccurate/ unverifiable information. The First Regional Acceptance Partial Acct # XXXX .... stated the Status ( XX/XX/XXXX ) Paid, Closed with payment history for only the months/ year of XX/XX/XXXX-OK, XX/XX/XXXX-OK, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX came back with the remarks that this item remains unchanged from our processing of your dispute in XX/XX/XXXX. This Account continues to report inaccurate/ unverifiable information with missing data on my credit report and needs to be REMOVED and DELETED PERMANTLY. The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX Came back Verified and they updated the status of my account to : The XXXX XXXX XXXX Partial Acct # XXXX .... Status ( XX/XX/XXXX ) Account Charged off. {$9400.00} written off. {$9700.00} past due as of XX/XX/XXXX. I have never had a contract with XXXX XXXX nor have I ever made any kind of consideration to pay XXXX XXXX. So, it is illegal for them to keep updating this account as past due. I also received a form XXXX-C Cancellation of debt from XXXX XXXX stating that {$7200.00} had been discharged but XXXX XXXX continues to report to the XXXX credit bureaus that I am still past due {$9700.00}. after it reported a XXXX-C to the IRS for the { {$9700.00} } as income. Income is no longer debt as taxes are paid on income. I have tried to reach out to XXXX XXXX to resolve the matter but got the run around and hung up on several times. In accordance with the Fair Credit Reporting Act, everything has to be % XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these R accounts listed below are in violation of not reporting % XXXX accurate and need to be DELTED and PERMANTLY REMOVED from my credit report : XXXX XXXX Partial Acct # XXXX ... 

XXXX XXXX Partial Acct # XXXX ....
Consumer complaint received 2024-04-11
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. (FL)

There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was sent a letter from XXXX saying there was a breach and my personal information was leaked when I checked my credit report there was accounts and inquiries that didn't belong to me I filled a report with th ftc as advised
Consumer complaint received 2024-04-11
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. (FL)

It has been months and months that I noticed that XXXX XXXX XXXX XXXX an account they claimed that I have with them to the credit bureau XXXX Account XXXX ) to the Trans Union and XXXX credit bureau XXXX I repeatedly contacted them about this particular account. I have never done any business with XXXX. I do not even know what they are in business for. I demanded that they remove this account from my credit report immediately.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requires the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested records are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: B&F Finance Corp. (TX)

ON XXXX XXXX I RECIEVED A ALERT FROM XXXX THAT A LOAN COMPANY CALLED XXXX XXXX XXXX XXXXXXXX DONE A HARD INQUIRY ON MY CREDIT REPORT WITHOUT MY PERMISSION .I HAVE NOT ASK FOR ANY NEW CREDIT OR MONEY FROM THIS COMPANY .THIS CAUSED MY XXXX SCORE TO GO DOWN JUST AS I WAS TRYING TO REFINANCE MY CAR LOAN AND OTHER CREDIT .ISSUES.I HAVE SENT TWO DIFFERENT CEASE AND DESIST CERTIFIED LETTERS TO THIS COMPANY BUT AS OF XX/XX/23 I AM STILL RECIEVIND HARRASSING CALLS FROM XXXX XXXX XXXX XXXX XXXX IS MY UNDERSTANDING THAT NO ONE CAN CHECK YOUR CREDIT UNLESS YOU GIVE THEM PERMISSION WHICH I DID NOT.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (AR)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX XXXX XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX Account numberXXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX  Account numberXXXX, XXXXXXXX XXXX Account numberXXXX, XXXX XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.