davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (GA)

This is my follow up complaint as an assurance that the XXXX, XXXX and TRANSUNION Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : 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 2022-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I sent email to XXXX explaining that i was at work and my cellphone service was not working properly. I informed them by phone as well as email not to respond to or communicate back or reach out to me from that address as it is my work email address and i am not to receive messages from them. Although i do not accept responsibility for the debt, they have a phone number or address on file provided by the original company should they need to reach out. I still received emails from that email address. Thye have made me feel bullied into paying by telling me they are going to report it to the credit agency on XX/XX/22 making me feel pressured to pay a debt before i can dispute it. They also have reported conflicting information. Example, they stated that they were informed by the original debtor that an exit inspection was not completed because the key was not returned. It does not state that anywhere in the paperwork we signed we intended on moving out. Also, we have no knowledge of the claim/damages being charged.
Consumer complaint received 2023-07-15
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. (TX)

I have had issues with XXXX, XXXX, and Transunion about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 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 2023-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I contacted Well 's Fargo ( my then bank ), and advised them that there was a fraudulent charge on my account that came through on my debit card in the amount of {$2400.00} From a company called XXXX XXXX I advised Well 's Fargo that I already contacted them and was told I had to contact my financial institution. I filed a fraud claim in which they shut down my card and gave me a temp credit for the charged amount. on XX/XX/XXXX, I missed a call from Wells Fargo and returned the call. At that time I was notified that the completed an investigation and determined that the charge was valid. I asked how did they make that determination? I was told based off the evidence sent over from the merchant XXXX XXXX XXXX. I then said well since I did not make this charge, what was the evidence and I would like a copy of the " evidence '' that was submitted. I was then told that they could not send me a copy of the evidence due to " security reason ''. I explained how that made no sense and I did not understand that as it is a fraud claim on MY account and they are saying it is valid. So I should be able to see the evidence they are claiming that proves I did a transaction that I did not do. She apologized and stated that credit would be reversed by the end of that month ( XXXX ). They did this on XX/XX/XXXX which placed my account in the negative for an amount of - {$2500.00}. After this they closed my account ending in XXXX on XX/XX/XXXX with a final balance of - {$880.00}. There was a credit that was placed on my account in the amount of {$1600.00} from XXXX XXXX XXXX. They then advised me that the account and the balance will be placed with XXXX XXXX. 

I have a serious problem and several complaints with this entire ordeal. Well 's Fargo with their deceptive and unscrupulous business practices per usual are at play here. First I want this matter investigated to find out why so may inconsistences with the final amount of my account. I also would still like to see the supposed evidence that they have that proves the charge was valid. I then would like to know if the charge was valid, why would they credit my account again in the amount of {$1600.00}. I also need to know the justification of closing my account and charging me a balance along with reporting to XXXX XXXX.
Consumer complaint received 2023-08-17
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX k }
Consumer complaint received 2023-05-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I contacted Mr. Cooper servicer of my mortgage for XXXX XXXX to inform them I would be 2 weeks late due to an emergency. They acted very concerned and offered me a forbearance which had to be for 3 months minimum and assured me there would be no fees, no penalties, negative credit reporting and I would have the choice to either pay the full amount in forbearance at the completion of the period, pay monthly amounts to bring the account current or add the due balance to the end of the mortgage period which would be extended depending on the total. I accepted. Within 2 days they reported the mortgage delinquent and I received bi monthly fees for inspection of the property, despite the promises made and agreements with the government. When I researched the internet I found this is the standard abuse for which they have been sued and were penalized and there is a class action law suit in Maryland. When I called to close the forbearance and assume regular mortgage payments I was told I had to either pay in full or surrender the title, they would sell the house at below price to expedite closing and they would demand the balance from the V.A. I refused and reminded them of the promises which they deny were made. However, I recorded all 4 phone calls and they clearly demonstrate beyond doubt they made the promises without conditions. They asked me to send an application and 2 documents to apply for relief which I did. They then asked for clarification but then discovered they were going forward with Foreclosure while pretending to be reviewing a solution which violates the court order intered by the company with the federal and state government promising not to foreclose while pretending to be reviewing a solution. I told the agents by phone and in writing about the court agreement obligating them to act in good faith but they just ignored it and said there is no prohibition. 
I have repeatedly requested they comply with the promises made and recorded but they ignore and say they never make such promises, just general comments. However, a lawyer, a retired judge and a retired prosecutor who listened to the 4 recordings say there is nothing ambiguous and the statements are clear and unequivocal. They also noticed the agent starting recording when she read the statements telling me they were offering me the forbearance, that I would get a letter in the mail. I recorded from the first hello to the last goodby because they advise callers the call will be recorded which gives me the legal right to do the same. I wonder the intention behind recording what is good for them and not what they promise customers. 
The number of demands, legal action and complaints make me wonder how such company can still be in business. 
I will also contact the Attorney General of Florida since they are part of the lawsuit which produced the consent agreement. I am also looking for lawyers to help pro bono and file a class action since I understand there are other homeowners in the same situation,
Consumer complaint received 2022-10-23
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. (NV)

FRAUD

THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX  SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status	Current
Past Due Amount	--
Highest Balance XXXX  Monthly Payment	XXXX
Times 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 2023-07-27
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: Regional Management Corporation (TX)

Regional Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Consumer complaint received 2023-02-23
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: ALLY FINANCIAL INC. (NY)

After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Consumer complaint received 2018-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (CO)

original creditor XXXX XXXX ''XX/XX/XXXX '' debt was sold to XXXX XXXX in XX/XX/XXXX I were contacted by mail I responded to XXXX XXXX I asked them to to provide me with proof that the debt were valid they were not able to provide proof they were then sent a letter to to cease futher collections on this time-barred account XXXX XXXX   sold the account to RESURGENT CAPITAL SERVICES I were contacted BY MAIL RESURGENT CAPILTAL SERVICES STATED IN THEIR LETTER THAT THEY RECEIVED AN " INQUIRY '' AND THEY WERE INITIATING AN REVIEW I CONTACTED THEM TO ASK THEM THE LAST TIME THEY RECEIVED A PAYMENT ON THE ACCOUNT AND I ASK IF THE ACCOUNT WERE TIME BARRED THEY DID NOT ANSWER THE QUESTION AND THEY COULD NOT PROVIDE A DATE FOR A LAST PAYMENT RECEIVED AND I TOLD THEM THE ACCOUNT IS TIME-BARRED
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened my online banking account in XXXX. I had my Michigan Unemployment Insurance Agency deposits being deposited into that account. They have since frozen my account which has a positive balance of just over XXXX USD. That money in that account is my bill money, that would be some of my unemployment benefits, the PUA benefits from being laid off in XXXX and still haven't got a call back, and the other half of my Economic Impact Payment from the government. I have tried and tried about 20 times including going into different branches and calling the customer service line many many times to get my funds. It has been way too long. All I want is them to issue an ACH to my other bank account for my funds or I can even walk into a branch and pick the money up with my Valid Drivers License. My car insurance is due, I need to buy things for college, I have kids to raise with that money. I feel like they owe me more money for this wait ... .. The only reason they closed my account is because " We don't recognize the deposits coming into your account. '' The deposits are coming from the EIP check I deposited, Michigan UIA, which the deposits come in as UIA- PRE PAID DEBIT- UI BENEFITS or XXXX XXXX , my federal student loan servicer. I would like them to immediately give me my money or the access back to my online account so i can withdraw all funds and close my account with them. I have also emailed the White House and The Federal Reserve about this issue. Please Help me fix it.
Consumer complaint received 2021-03-18
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. (DE)

This complaint involves Trans Union XXXX, PA XXXX. Since last XX/XX/XXXX I have attempted to have my credit report which is incomplete have one of my credit Cards with XXXX  XXXX Visa included in my report as the other Credit Bureaus have included with my credit available which are XXXX and XXXX. Over the month many months I have communicated with both my credit card provider and Trans Union to rectify the situation to no avail. I was initially told by Trans Union that the original card was not submitted when issued back in XXXX exceeded the federal guidelines 30 days in notice of issuance. I wrote back to XXXX XXXX Visa and told nothing they could do. They forward me a letter showing date of card opening, credit limit current balance last day payment was posted amount of last payment and minimum due. I forwarded to them no avail. I called Trans Union in XXXX of last year and was told there was some type of dispute could not tell me what. I subsequently called back XXXX XXXX and the supervisor suggested to transfer the card to another which would have same prior issue date credit limit as the other which we did. The letter explained to me that Trans Union would in 60 days from in the case XX/XX/XXXX which should have rectified it on the report by XX/XX/XXXX which it didn't even the gentlemen from Trans Union had told me over the phone on XXXX it would work out because XXXX XXXX Visa had notified Trans Union of New Account Card number. I am lost this point hoping you can provide help at this point.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in my XXXX. 

Since I've received my XXXX XXXX XXXX XXXX continues to report this account as open and derogatory to TransUnion. It is only reporting as open on my TransUnion credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my credit score. 

I contacted XXXX XXXX in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my TransUnion credit report. Each time I was told my request had been escalated to a 2nd Tier Manager and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my TransUnion Credit report. 

I have challenged this misreporting directly with TransUnion in XXXX, XXXX and in XXXX, XXXX. XXXX XXXX continues to verify back to TransUnion that this information as accurate, and no changes have been made to my report. 

Please note, XXXX XXXX is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO TRANSUNION AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with TransUnion. 

I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.
Consumer complaint received 2023-01-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have submitted a request for validation with Portfolio recovery, send by certified mail, return receipt requested, letter was delivered. 
This is around mid XX/XX/2022. 
I did not get validation data. 
I also have send letters to all XXXX credit bureaus, certified and return receipt. 
requesting verification. 
I did get answers from all XXXX within 30 days. 
They verified and all was correct according to them
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Venmo Personal account base and business account ( XXXX XXXX ). Application does not allow account deletion for business account. Business account must be deleted by Venmo customer service prior to deletion of personal account. Personal account can allegedly be deleted via app after business profile has been removed. 
Although app reflects business account has been removed, application cites business account must be removed first. Venmo customer service is no longer responding to assist in the account closure.
Consumer complaint received 2023-02-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (AL)

I sent out certified mail to the collector that now has my charged off debt/collection. Its been 30 days and no one has got in contact with me about the collection. I asked for verification of the collection and have yet to be notified of any information. I would like for this false information to be removed for my credit report.