davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am making a second report against Transunion and the rest of the credit bureaus because they are all doing the same thing. Transunion is admitting through their secured mail that there is a 3rd party that is submitting false information, but they are not disclosing whether it's their department or an actual 3rd party company. They are justifying what they are doing as policy. These people think the public is stupid. There was no inquiry made about me, and why deduct XXXX points over an inquiry? 

I know it's a Department connected to all XXXX Credit Bureaus and all they do is watch for late payments ill reporting while knowing that there are contractual agreements for being late per company. Here are the credit bureaus violating our rights again to make a buck. They lost federal standing, so why do they still have federal standing power? It's time to shut them down. We can't keep fighting them over things they know are wrong. They have an untouchable position and it takes so much energy to actually get changes made. It takes months and sometimes years to get changes made. They have targeted me since my XXXX. They have been lying on our credit reports for years. It's too many times I have called major companies who said they did not send a report. These credit bureaus need to pay the United States a fine and they need to give each person who has lost things because of their ill reporting and lying {$20000.00} plus the {$1000.00} per violation. I am asking for full forensic investigation on my file and for the credit bureaus to be shut down for their crimes. They will never run with integrity.
Consumer complaint received 2021-11-22
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. (OH)

I have paid my balance in full with XXXX in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

Americollect , INC . 
XXXX XXXX XXXX XXXX, WI XXXX Re : Validation for Acct # XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX SSN : XXXX Date of birth:XXXX
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/19 someone had transferred me {$31.00} using XXXX. I received an email confirmation from my bank, Bank of America, stating that the funds were transferred to my account, however the funds were not available. I contacted my Bank and was told the funds must have been canceled on the other end and to have the other individual contact their Bank to see why it was canceled. 

I contacted the person who sent me the funds and they contacted their Bank, XXXX. XXXX informed the person that the funds have successfully transferred and is out of their hands. I then contacted Bank of America to check their system again for the transfer, and again, they told me they never received it and suggested the person who sent it to file a Reg E claims with their Bank.

The person filed a Reg E claims and re-sent me the funds for {$30.00} since they were provided a temporary credit for the funds. I successfully received that transfer. A couple of weeks later, the person was informed their Reg E claim was denied and the temporary funds were removed from their account. We both ended up contacting XXXX, and they informed us that they are only the transferring party and they do not handle situation such as this and referred us to resolve the issue with our Banks. 

It has been over 5 months and we have no idea where the funds is. Although this is not a massive amount of money and the loss minimal, I still believe the Banks or XXXX should be able to properly trace the transfer and find out what really happened. Nowadays, I use XXXX and other transferring service quite often and I would hate for this to happen again.
Consumer complaint received 2023-02-04
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/21 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/21 your agency stated that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report illegally. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. 

Thank you,
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (OH)

Afni Subrogation Department contacted me threw mail, letter dated XX/XX/XXXX recieved by me on or about XX/XX/XXXX for damages claimed to be owed by me in the amount of {$13000.00} pending an increase of additional payments, from a motor vehicle accident dated XX/XX/XXXX that is currently in litgation.
Consumer complaint received 2020-02-28
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. (KS)

This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

PNC Bank, N.A. is refusing to send funds upon death of account holder. 

Account has a stated beneficiary listed and bank is stonewalling and requesting a new account be opened in THEIR bank in the name of the new beneficiary. 

All requested documentation has been furnished including confidential information which, in retrospect, may not have been required. 

The correspondence reference numbers are : XXXX ; XXXX. 

Correspondence and recorded telephone calls have been made. 

Demand in last phone call for funds payable to beneficiary. 

Bank is stonewalling and requiring an account be opened with possible fees. 

Calls to phone number XXXX can never be forwarded to appropriate personnel further stonewalling and frustrating collection efforts.
Consumer complaint received 2020-02-28
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. (KS)

This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I was looking at my credit notice I had a collection agency on my credit for a bill for auto insurance which they owe me a refund I told them I was switching to XXXX insurance and the lady I spoke to told me she was processing a refund for XXXX which to date I have never received she ask me to fax her the copy of declaration page which I did to no avail
Consumer complaint received 2020-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Ogden Holdings, LLC (NC)

XX/XX/2020 ( Approximately ) I spoke with a representative at Cape Fear Finance XXXX XXXX XXXX, XXXX, NC XXXX in person to apply for a {$300.00} loan. I was not provided information regarding the terms of the loan. I went back in person the following day after providing my social security number for a credit check ( I have a social security security freeze with the bureaus ) I was approved for the loan through a credit check however, was told I was denied because I needed to provide serial numbers to prove ownership of a lawn mower, television, ect. to qualify. I was declined because I own none of the items they were requesting. My complaint is because the representative neglected to provide disclosure information regarding the application requirements of ownership of a lawn mower, television, ect. before processing a credit report on my behalf.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (MD)

I had 2 credit cards with The XXXX XXXX XXXX, one was charged off and I paid it off immediately. The other credit card I had with The XXXX XXXX XXXX I paid it off closed it myself. This collection agency LTD ACQUISITIONS LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX has no claim against me and can not continue to put false information on my credit reports. They must be forced to prove exactly where they are getting their information. I do not owe The XXXX XXXX XXXX any money and if I did I have plenty of resources to pay them off immediately. I am about to purchase a house and this is a hardship to me. I have disputed this countless times, I have also tried to call LTD Acquisitions and no one ever answers the phone. I don't know what else to do to get their attention so they can address this matter and correct it.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

Mortgage servicer switched loan number after we closed on the house so first 2 payments were sent AND accepted by servicer but to old account number. They have been given bank records and acknowledged the bank records showing proof of payment. Now they are have collections call us threatening foreclosure even though they accepted all payment for all months 0 missed and can not figure internally how to merge the payments into a single account. We followed the rule and made payments on time and they are trying to get double payment.
Consumer complaint received 2020-02-28
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. (NJ)

Began in XX/XX/XXXX, fraud for {$790.00} on XXXX XXXX Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my XXXX debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
XXXX XXXX XXXX reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation (VA)

Company is Regional Finance. Their ph number is XXXX. Repeatedly calling me on my cell then XX/XX/2020 called me at work on my employers ph. Then called my cell for the 30th plus time and left voicemail stating I was going to be sued and they were going to garnish my wages to 25 %. I explained my hardship to them and that I was currently using a debt settlement company. I have saved the threatening phone message.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

I received email from credit bureaus that second round debt collection has reported a bill that I owe them in amount XXXX from XXXX XXXX. I have good credit history with XXXX. I have no knowledge of this debt. Can you please resolve the issue
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: 2288984 Ontario Inc. (TN)

on or around XX/XX/ i started getting calls from Money Key at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX that i owed a debit to them ( loan number XXXX ) i have never had loan with this company in my life my bank account was compromised around this same time when i lost my ss number my bank and i closed that account and started a new one money key some how had my phone numbers from my phone and was calling my contacts looking for me, i do not i repeat do not do online loans nor have i ever had one with money key this is money keys mailing address XXXXXX/XX/XXXXXXXX XXXX, XXXX  XXXX, XXXX, DE XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00}.
Consumer complaint received 2023-11-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

In XX/XX/XXXX I applied for a renewal of an Income Driven Repayment and my loan was in forbearance at the time. I was told no payments were due. Then in late XXXX a notice was sent out that I was unaware of that said a payment, under XXXX was due. I was contacted in XXXX and immediately paid the amount. At that time I submitted to have consideration for excessive loan debt. I was told that I was approved and would not have a payment until XXXX. This was spoken over the phone. The representative however, did not follow through on that information and I am back at square one. I have 4 groups of loans and only one group does not qualify. I am a retired XXXX veteran. Please help. Nelnet wants over XXXX dollars a month which I can not pay. I was forgiven half the loan with Nelnet in XXXX, for unemployment and XXXX XXXX and then the full amount was restored when my retirement started in XXXX. I keep getting different responses from Nelnet and now they are not removing the XXXX requirement to pay in XXXX even though I have submitted all the paperwork for a 3rd time.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (MD)

I tried to submit a wire transfer for the closing of my house at XXXX XXXX est on XX/XX/XXXX for the meeting at noon that day. I called in to the call center at noon to verify the status with the employee who said that the wire was being transferred and gave me a confirmation number. After giving this to my lawyer, they found that this number did not exist. I called back into the call center shortly after and inquired to this and they told me my wire transfer was still in process and that they needed my verification before moving forward. I tried to give that to them on the phone but they would not accept it. The representative, as well as their website, assured me that someone would be in contact and that my wire transfer would be completed by end of business on the XXXX. At the end of business, this was not complete. I called back into their center where they told me that this request now would be completed at the start of business on the XXXX, putting me at risk of losing my home. After explaining this, I was given no help to move forward. This morning, on the XXXX, I called in at XXXX XXXX to see the status as this was still not moved, they told me they still needed to verify the information with me, which I offered to do again and offered to be transferred to this person but was not allowed. I was then promised that someone would be in contact at XXXX XXXX on the XXXX est. This has also not happened at this point. I am in dire danger of losing my home and the only reason is that Ally Financial refuses to send my money to the lender.