davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners (CA)

I was reached out to on XX/XX/XXXX by a " locating company '' or something of that nature. A woman told me to call a number XXXX of a company called XXXX XXXX. A woman Named XXXX answered the phone and told me that they have a debt owed to them for a XXXX  XXXX XXXX account they purchased back in XXXX. She told me that the amount owed was {$1600.00}. When I asked her questions she was very aggressive towards me and told me that they would pursue me in a manner that would cost me a much grater sum if I didn't start paying immediately. Because I was skeptical with her and voiced that she was using what seemed like manipulative tactics she was quick to say that she was going to put it down that I was denying or rejecting to pay and hung up on me. I don't see anything like this on my credit and with all the Identity theft going around and her extremely unprofessional nature in addition to her extreme sense of urgency to take a payment I was skeptical to say the least. I called her back immediately after she hung up to try and get more info. She told me an account number that was with XXXX of XXXX that was an old overdrawn checking account. She told me I could call them. I asked her what the original amount owed was and she said it was {$300.00} and something dollars. She told me that they had reached out and mailed me stuff to a location I lived at over 10 years ago at XXXX XXXX in XXXX XXXX. She told me to avoid legal action I could settle the debt on the date we spoke for {$400.00} down and pay the other {$490.00} by XX/XX/XXXX. I told her I needed to call XXXX XXXX  XXXX to verify that the debt was mine because I was unaware of it. I called them and they were closed for the holiday. I called her back and she said I have till today to make my {$400.00} dollar payment to avoid legal action. After this call I starting doing research on the number called and read a number of stories just like mine about extremely old accounts and aggressive tactics to resolve accounts. She read off the last 4 of my social to me and gave me their address of XXXX XXXX XXXX, XXXX, CA, XXXX to establish credibility. She emailed me a " Debt Verification '' letter that didn't show any kind of interest or the original amount owed. There was a debt balance of {$1600.00} and also {$2600.00} in the body of the letter. It didn't say anything about my ability to dispute it which I'm told is required by law and it doesn't show their license number which I guess is also required.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-21
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX under file number : XXXX with TransUnion, I sent a certified letter with a copy of my driver 's license, SSN card, and a copy of my XXXX XXXX XXXX to correct the address and delete and addresses that I no reside. On XX/XX/XXXX, I called to have my credit freeze lifted and was told my credit file was in an " UNKNOWN '' status in which I would need to send verification of my driver 's license and SSN card again. I was told this would take 3-5 business days from the phone representative and it would be corrected. I sent a certified letter with a photo ID and SSN card copy dated XX/XX/XXXX with tracking numbers ( TransUnion ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX to update my address to XXXX XXXX XXXX, XXXX, XXXX. Per the tracking, it was delivered on XX/XX/XXXX. I received a credit report dated XX/XX/XXXX with file number : XXXX which I never requested my credit report, I saw my personal information was still incorrect along with telephone numbers I never had. On XX/XX/XXXX I went back on the TransUnion website and saw my credit report still said " UNKNOWN '' so I called XXXX in which the first representative informed me that they did not have the information mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. I requested to speak with a manager in which I was told it will be 3-5 business days for a return call. 

The representative informed me that she could not verify me by any information in her system. I was asked a series of questions such as choosing for ( XXXX ) zip codes : XXXX, XXXX, XXXX, XXXX. I told the representative I have never heard of these zip codes. I was asked to verify one of ( XXXX XXXX street names such as ; XXXX, XXXX, XXXX XXXX XXXX in which I advised the representative I have never heard of these streets. I reiterated I sent in my ID and SSN card with my XXXX XXXX XXXX XXXX to which she stated I can not be verified and can not be helped. Strangely all my creditors are sending me notices from the collections agencies with my current address XXXX XXXX XXXX listed. I am also getting credit reports that I did not request from all ( XXXX ) ; TransUnion, XXXX, and XXXX. 

Today, XX/XX/XXXX I sent ( XXXX ) certified letters to ( XXXX ) XXXX, ( TransUnion ) XXXX, and ( XXXX ) XXXX followed by the tracking numbers. I also sent TransUnion a copy of my employer XXXX for XXXX which verifies my address. I was told by XXXX it takes 30 business days to verify me even though I sent a picture ID and selfie through the app texted to me on the telephone with the representative to again verify and delete old, incorrect, or to update my address and employer. I still can not understand how credit information is being sent out from these agencies to an address that is reported each month on my credit reports for rent but they are stating I am unverifiable. I am seeking an investigation and a quick resolution.
Consumer complaint received 2018-10-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (NJ)

Today XX/XX/2018 I was contacted by XXXX XXXX in regards to a debt that has been pending for a few months now. I communicated that I am having financial difficulties and am not able to make a payment at the moment but that I will as soon as I have some spare money. He got upset and accused me of lying and trying to put off the debt. He continue to say is this what you tell your landlord? What more information do you need? You do know I will report this on your credit, its going to be runined.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

I have contacted XXXX on several different occasions by phone, email, and mail requesting a validation of this account along with original contract and wet signature showing in fact that I opened and that this account belongs to me after receiving an email that this account had been sold to XXXX XXXX. XXXX has stated they do not own or no longer has this account but reporting on my credit report. and has not supplied the original contract or wet signature for this account and I have contacted XXXX XXXX and they have closed the file and not seeking collections on this account. So If XXXX is not the owner of this account why are they reporting it if XXXX XXXX is the owner of this account and they have stated they are not reporting it to the credit bureau and has closed the case.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The Us Department of EDU is reporting my 19 year old student loan as 5 years old. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN 5 YEARS OLD!!! ITS 19 years old. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You XXXX and Transunion keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my Transunion credit report, they indicate that I had a high balance of XXXX in XXXX  which is in accurate.
Consumer complaint received 2024-03-26
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CONST LLC (NJ)

XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). I've been investing with them for almost three years and currently have {$160000.00} tied up in lending products with XXXX. As of two days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. 
They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. We have a XXXX channel up where people are gathering evidences, documentations, etc. This is probably the best place to start to get a broad view of what's happening. Details below. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX website : XXXX XXXX XXXX CONST LLC ( Business ID : XXXX ) Formed in Delaware XXXX XXXX XXXX US Business address XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone XXXX ( XXXX ) XXXX XXXX  Founder : XXXX : XXXX XXXX Founder - other company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX website : XXXX XXXX XXXXXXXX XXXX XXXX XXXX SEC registration : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX # RegulatoryActions XXXX 'Cease of Operations ' email received by all investors : " Dear MyConstant Users, Given the collapses of several cryptocurrencies so far this year and the rapidly deteriorating market conditions that have been prompting heavy withdrawals across all crypto lending and crypto exchange platforms recently, we are sad to inform you that we are unable to continue to operate our business as usual. As such, we are limiting our business activities, including pausing user withdrawals as allowed under our Terms of Service. 
No deposit or investment request will be processed at this time. 

Our team is working diligently towards our objective of maximizing value for all of our Users, and our top priority continues to be to protect your interests. As we explore all options available to us, we will provide updates to you as we go. 

We hope to communicate with you within the next 10 business days on the next steps to address the situation. We appreciate your patience in this trying time. 

Sincerely yours, From XXXX  team '' XXXX  XXXX ( Mon - Fri XXXX - XXXX, Mon - Thurs XXXX - XXXX PST ) XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (MA)

I have called asking to have my santander checking account closed over the phone and they said they couldn't... I got a letter dated XXXX. 

I'm not paying a XXXX monthly fee since they decided to change the terms and name on this " simply right " checking now. I don't use the account anyway and there is only XXXX cents in there... 

They need to close the account immediately because I'm not paying XXXX to keep it open every month since I don't utilize it anyway... 
Send a check to the address attached to this complaint for XXXX cents with a letter stated you closed the Checking account with debit card... 

Checking ends in XXXX. 

And the debit card ends in XXXX. 

Thanks
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-06
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. (NY)

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX BANK Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$920.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$16000.00} Fraudulent Inquiries XXXX XXXX CRED Date of inquiry XXXX XX/XX/XXXX XXXX Date ofinquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX FCU Date of XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (CO)

XX/XX/2023 I applied for a Discover credit card that offered a Balance Transfer I was approved for the card with a {$12000.00} limit During the application, there was a form for a balance transfer. 
I filled the form requesting a balance transfer from XXXX XXXX account # XXXX in the amount of {$2900.00}. I did not receive confirmation that the balance transfer was accepted or pending at this time. There was on information on the application or in either email received on XX/XX/XXXX or XX/XX/XXXX On XX/XX/2023 I received the Discover card in the mail and called to activate the card. 
Account number # XXXX On XX/XX/2023 I created the Discover online account. 
I checked the Balance Transfer page in my account. 
There were no pending Balance Transfers listed at that time. 
I received no indication that there was a pending transfer either via mail, email or in the online account. 
At that time, I still wished to proceed with a balance transfer request, so I put in a request for a balance transfer from XXXX XXXX account # XXXX in the amount of {$3200.00}. 
I received this notice via email : " XXXX XXXX, we got your balance transfer request Here are the details : Transfer Amount : {$3200.00} Financial Institution : XXXX  XXXX ending XXXX XXXX Rate ( XXXX ) : 0 % Estimated Transfer Fee : {$97.00} Offer Duration : 18 months An account must be open for 14 days before Discover can begin processing your balance transfer request. After that, most transfers are processed within 5-7 days. 

Please allow additional time for the recipient to credit your other account. To avoid late fees or penalties, we recommend that you continue to make payments on your other account until you verify the funds have been credited. 

And when it posts to your account, you'll get an email from us. '' To clarify, I NEVER received a confirmation like this for my original request either on the approval screen, by email, or by any other form of communication. This is where I feel the error lies with Discover ; the absence of any such confirmation is what prompted me to request another balance transfer. If there had been any indication of pending or accepted balance transfer request in process, then I would have never made a secondary request. 

XX/XX/2023 I received two emails stating that each balance transfer request has been processed. 
This has resulted in a balance of $ - XXXX in my XXXX XXXX I contacted Discover twice to request resolution because there was never any indication that the original balance transfer request was received, pending, or accepted. 
I requested that one or both balance transfers be reversed. This was denied.

I requested that one of the balance transfer fees be refunded. This was also denied.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

The account on my credit report is as follows. 
DISCOVERBANK Account # XXXX This company recieved my letter of dispute and has not responded. The only way someone couldve opened an account with them in my name is through obtaining my personal information, i misplace my identification documents all the time. This alleged Debt is not mine. Ive called them and they were very rude in helping me This is very sloppy. 
they havent validated this debt with any proof, when i called i asked what did they have that proved i owed this debt they said they could send me the list of charges on the account which i know isnt adequate per my knowledge of Consmer Laws i dont want to be all fancy and list the exact laws but if need be i will be doing so
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZenResolve, LLC (NE)

I am getting regular email from Zen Resolve LLC, which does not have a license to do business as a debt collector in Nebraska, asking me to repay a debt that I did not incur. 
I asked for a copy of the original loan, What I have is a copy of a loan agreement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. This is not an organization that I have ever done business with. There is no indication that I signed or provided any identification to enter a loan agreement, and the form has an electronic signiture that is obviously not mine. I opened a file with the FTC regarding identity theft, and sent Zen Resolve a copy of the FTC file, and the avidavit stating the obligation is not mine. I continue to get emails from them asking for money.
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (VA)

I have had XXXX personal loans with OneMain Financial the last loan was paid in full total loan was XXXX paid over XXXX in interest. 

After the passing of my Mom waiting on probate court and sale of her property I decided to return to OneMain for a another loan after receiving several invites via email and U.S. Mail. 

The OneMain store Manager was excellent I have been doing business with her branch for over 15 years. 

Unfortunately on XX/XX/2023 I was denied the loan unless I provide a car for collateral never required this in the last loan with same credit score? Additionally, my concern is they ran a hard credit check which I understand but gave my credit score another point deduction with no loan? Why?