davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-24
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. (NC)

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 2023-03-20
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: EQUIFAX, INC. (FL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Zions Debt Holdings (GA)

I am submitting this complaint to ZIONS DEBT HOLDINGS LL due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable account, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, account status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-24
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account XXXX, has violated my rights 15 U.S.C 1681 section 602A, states I have right to privacy.

15 U.S.C repor1681 section 604A section2 : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a dispute letter to all 3 credit bureaus to dispute this account below XXXX XXXX XXXX # XXXX- I see multiple inaccuracies on this account in correct open date, date of last activity, and balance, account is in accurate and violates the FCRA Its been 60 days I still haven't heard a response from XXXX and equifax
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

During the 2020 XXXX XXXX XXXX  was reporting late payments on all three credit bureaus, when it was stated that creditors were not to report late payments due to covid XXXX hardship. I was paying XXXX every XXXX weeks on time not knowing that credit acceptance was still marking me as late. I have XXXX late payments on my account that needs to be removed to help my score increase. my score went down tremendously because of all these late payments that were not suppose to have been reported.
Consumer complaint received 2017-10-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to get a modifaction and been turn down about four time I have Reach out to keep, your home califorina, and was told that I was approve with them and my lender Wells Fargo choose to opt Out But there goal should have been to take the rears On What was owe they so they I could have been making my payments back on the loan that happen in 2015 and I have done all I can do to deep my home I have A total of seven Members in my household and my credit is ruin and Wont be able to Rent anywhere with those Scores I have Enough Imcome to support My Mortage I lost XXXX XXXX Right after I purchase To House But restore The imcome in less then six months Please Reach out To Me with Some Help.
Consumer complaint received 2023-07-23
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. (VA)

XXXX has violated my rights under Unfair Practices 15 U.S.C. 1692f Use any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer ; a debt collector may use its business name if such name does not indicate it is in the debt collection business.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This account was opened with out my knowledge. I have been receiving bills that I am not responsible for and I would like to have it removed from my credit report. Please feel free to contact me if you have any questions or concerns.
Consumer complaint received 2017-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4200.00} with XXXX  XXXX & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided documentation that I am obligated to pay for the alleged debt. I have tried to make contact with XXXX and have been unsuccessful with having this debt removed. I have now sent the same information to The Better Business Bureau as well as The Consumer Financial Protection Bureau to assist me. This collection company has never sent information to state that I have gone into contract with them. XXXX  passed over the debt to XXXX XXXX XXXX XXXX, however, XXXX officially wrote it off and the debt is discharged.  I have never entered a contract or received goods from the collection company therefore their dispute is null and void. 

I demand that XXXX removed the negative report against my SSN. Im asking that they send me a updated copy with this collection being removed from my credit. I have attached several documents showing that this collection is being reported on my credit report and XXXX not updating on my report that its being reported by a collection agency. 

Sincerely Thank You for Your Assistance, XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

I obtained an auto loan through a dealership with Fifth Third Bank ; however, every month when I try to make a payment, they are unable to find my account and my internet login credentials are cancelled. Now I am unable to obtain a payoff. I'm on the telephone with the bank right now and they refuse to give me a 10-day payoff.
Consumer complaint received 2015-12-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (NY)

I opened a Paypal account about 4-5 months, As part of the screening process, I was asked for all my contact, personal and bank information. after my account was approved, Paypal restricted access to my account, pending a review. Again they asked for my info, which was provided and my access was restored. On or About XX/XX/XXXX, Paypal again restricted my account, this time there is a large amount of money in the account. When I asked them why my account was restricted they refuse to tell me, nor will they provide any information as to why my account can not be used. Paypal sent an email stating that they were reviewing the account and to provide the info again, then refused to accept the information. Once again Paypal was called, and the agent was asking questions about what was purchased, where the money was transferred from, and why I purchased a Paypal cash card, their official product and for what it was used for. Again, they are asking all these questions without providing any answers as to why my account is restricted and they are keeping my funds.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (WI)

They were suppose to put {$190.00} in my account, instead they took XXXX out. Its been a week, the conferenced call my and it has been XXXX days and they ca n't tell me when they will put the money back in. When I told them I was going to report them they said that they will note it. Now they are going to charge me interest on something I do n't have. They say they will cover my nsf fees, but that does n't help the stress of explaining to my creditors what happened. This has been a very XXXX situation and they do n't care.
Consumer complaint received 2023-07-23
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. (MA)

I am writing to submit a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from TransUnion to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Because of the incorrectly reported data, I request that TransUnion verifies the accuracy of the Balance of {$1000.00} for this account. I do not recall owing such a high amount, and the Past Due amount should not be provided for this closed and charged-off account. Please mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX require TransUnion to verify the information reported for this account, as the Balance of {$330.00} is inaccurate in my recollection. The Past Due amount should not be presented for this closed and charged-off account. Kindly mark this account as disputed while I resolve my dispute with the creditor, so that it is not held against my credit standing. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} The information provided for this account is imprecise. The reported Balance of {$1700.00} is higher than what I remember. Please remove the amount indicated in the Past Due section, as this account is closed and charged-off. I intend to communicate with the creditor to clarify the reported data. Until the necessary corrections are made, please mark this account as disputed. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} The following account is not mine, and I request TransUnion to remove it from my credit report. 


Account Name : XXXX FIN Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never late, and I request TransUnion to correct this inaccurate information on my credit report. 


Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$600.00} This account was never late, and I request TransUnion to correct this inaccurate information on my credit report. 


I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

I have repeatedly attempted to call the company. My phone number is new and told the company that I am not the person they are trying to call. I have never had any financial relationship with the company. I don't have an account with the company. The company calls multiple times a day and from different phone numbers.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (UT)

Since I received this credit card in XXXX I have not received the 5x rewards promised in the card agreement when using the card at XXXX XXXX. In XXXX when I contacted XXXX regarding missing 5x rewards ( I had received 1x ) XXXX reviewed my account and then manually posted the 5x rewards. In XXXX XXXX advised me that Comenity Bank had a technical problem and would post the rewards within the few weeks after my purchases in XXXX and XX/XX/XXXX. The 5x rewards were never posted. 

When I followed up, I was told that Comenity Bank would solve this problem. When I contacted Comenity Bank I received vague comments about technical problems that were being addressed. I also received generic emails from Comenity Bank advising that they were addressing technical problems. This seems to continue for month after month without any resolution. 

I made purchases at XXXX using the XXXX card due to the 5x rewards that are prominently featured throughout the local store and online. I am baffled as to why I only receive 1x rewards and have received no solution from XXXX or Comenity Bank. I followed the terms of the card agreement and I expect the same from XXXX and Comenity Bank. 

The purchases that are missing the 5x rewards were made on XX/XX/XXXX ( missing XXXX points ), XX/XX/XXXX ( missing XXXX points ), and XX/XX/XXXX ( missing XXXX points ). While the dollar amounts are not large it is a benefit I was told that I would receive. 

No one at Comenity Bank or XXXX has taken a leadership, customer-oriented role in helping me solve this so that my ongoing efforts for the 5x rewards were not needed. Instead, I have been essentially brushed off when I have requested help.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting
Consumer complaint received 2017-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (WI)

XXXX and I opened a Home equity line of credit with XXXX bank XXXX/XXXX/XXXX it was an interest only line of credit, which we used to pay for XXXX expenses as we sent her back to college. Harris Bank bought XXXX in XXXX XXXX, by XXXX XXXX we received the letter telling us that the loan was no longer offered and we could work with them to convert the loan. We began working with XXXX XXXX ( XXXX ).  After several weeks, we were almost to the end when XXXX ask for XXXX Social Security number. Being concerned about Identity theft we sent the last email asking her to look it up on the taxes we had sent earlier, I did a follow up with a phone call and gave it to XXXX verbally, and confirmed that was all she needed from us. 
We didnt hear anything else from Harris, now BMO until XXXX XXXX, XXXX and we received a refund for interest (? ) following with the letter XXXX XXXX, XXXX giving us to XXXX XXXX to address the issue. We had contacted BMO and we referred to the recovery department and they were looking for an offer to pay off the loan and were told that getting a loan modification was not an option. When I asked where my loan went for 2 years I was told that since I had not giving all the information on the first application my file was closed, I told them I had, and was inform that was not the case ( please refer to my emails ). As of XXXX XXXX, XXXX BMO reported the loan are a write-off and my credit score dropped to XXXX, even though the last letter said the was no negative reporting. I then contacted XXXX XXXX the manager XXXX branch where the loan was originated and asked her to fix my credit. I gave her copies of my documents and indicated she thought she could help. Over 60 days later ( and many phone calls ) she informed me that the only option I had was to work with recovery and they will not fix my credit. Desperate a referred back to the last letter and contacted the department listed and currently am working with XXXX XXXX, to get a loan modification, however this is not a sure thing and it will still not fix my credit. 
The long and the short of this is BMO should have never closed my loan application in XXXX. In reviewing my credit score after XXXX XXXX, the loan was listed on my report and without and payments and my score dropped to XXXX for not having on time payments and using over 90 % of my available credit, which I was unaware of until recently. After it was reported as a charge off it dropped to XXXX. I have contacted my own bank who will not give me a loan with a score so low. I have never tried to get out of paying this loan, I have only dealt with BMO in good faith hoping for the same but, by BMOs actions, I am trapped, I can only take whatever they offer me. I need you help as my advocate, Im out of options.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was charged a late fee and it was not reversed. Bank of America charges a late fee when the consumer pays on the due date stated online. It then reverses the late fee. The actual posting of the payments varies depending on the day it is paid when there is a weekend. This is the only credit card I have that does this. It also does not always show the same due date online every month. I paid on the online due date but was again charged a late fee. The late fee of {$49.00} charged on XX/XX/2023 and XX/XX/2023 were not reversed.
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I got a title loan at tittle max almost a year ago you never can pay on the loan u just have to pay it off then everyday you are late the fees pile up I have been paying XXXX plus dollars for XXXX  months on XXXX loan you have to pay the loan out in 30 days I got the loan in XXXX of 2022 here XXXX still paying I can sleep at night thing my vehicle will be gone I so worried I would like to have this cut down done I will never pay this off this was a horrible mistake now I stay i debt every month trying to pay
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MN)

I received a letter from a collection company on XX/XX/2023. It was stating that I owed money for an apartment on XXXX Nevada. I have never been to Nevada nor have i ever heard of the company that the money was owed too. I called the collection company to inquire about the charge. They were very rude and not wanting to help. They asked for personal information like last 4 numbers is social security number and when I refused to give it he got very pushy to get the information. They asked for a phone number and when I asked what they had on file it did not match my number. At this point he got angry and talked so fast with threats that I did not fully understand. I had a feeling this was a scam and he was trying to get my information so I discontinued the call. I looked up the leasing company on the letter and called the number on their website. We told her about the letter and asked if she could let us know if this was a scam or did someone rent an apartment in my name. She could not find my name in her system but asked if we could email her a copy of the letter. She said she would show her manager and get back to us with some answers. That was 3 days ago.