davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.
Consumer complaint received 2021-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Federal Credit Control, Inc. (FL)

I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " XXXX XXXX '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
Consumer complaint received 2020-03-10
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. (GA)

XXXX  investigation is wrong. Transunion & XXXX  changed this information.I paid a loan off with XXXX XXXX in XX/XX/XXXX. They reported me as 30 days late in XXXX. I had no more payments. They had an systems errror with there payment system. I should not be reported as late. I could have resubmitted. They never contacted me only falsely reported me as late.
Consumer complaint received 2021-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP (OH)

Today ( XX/XX/21 ) US Bank withdrew {$4700.00} from my XXXX XXXX checking account without my authorization. When I called their customer service they apologized, but said it would take about 7 business days to get my money back to me. XXXX XXXX seems unable to help. I can not go 7 days in the negative with my main bank account that all of my bills are paid through. I have talked to US Bank customer service twice and 7 to 8 business days was the best they could promise. I have asked to speak to a supervisor earlier in the afternoon, as yet ( XXXX EST ) I have not received a call back from them. When I contacted XXXX XXXX they said I needed to call US Bank. As of now no one can tell me why this withdrawal was made or how they mistakenly thought is was authorized. My XXXX XXXX XXXX  address is : XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX. The US Bank closest branch address is : XXXX XXXX XXXX XXXX XXXX, OH, XXXX. Thank you very much for your time and attention to this matter.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX  and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX  XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX  and XXXX  XXXX  and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank/Victoria 's secret is reporting me late on XX/XX/20 & XX/XX/20. Due to the unanticipated circumstance surround the pandemic Covid 19 I have been really struggling. My employer has cut my hours since the beginning of they year and I have been severely financially impacted. I have had accounts with you and been a very loyal customer and ask as a one time courtesy for you to remove these lates from my credit file. Under the CARE act you're not even supposed to file negative notations on credit during the pandemic to begin.
Consumer complaint received 2023-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA (CA)

When my financial hardship began I contacted my lender Marcus by Goldman Sachs in XXXX 2022 to inform them that Im having difficulty making the full payment and can I request a hardship or assistance plan? I was informed by their rep. NO i dont qualify. It bothered me because another lender company I applied at the same time worked with me and I have no problems and I'm currently back making my regular monthly payments with that lending company. But Marcus has been a complete opposite and nightmare. The numerous calls through my day. This company called over 15 times in a day and everyday but sunday. It was so horrible that I had to cut my phone off because they called so much. Plus the letters about the loan to make it seem as if I was not contacting them to work something out. I reached out again in XXXX, XXXX, XXXX, and in XXXX. just to see if I qualify and again all four times their Rep told me no about a payment plan and that I dont qualify. The conversation in XXXX I mentioned to that Rep. than stop all the phone calls if you cant help me and all Im asking for was a short term plan just until I can get back on my feet. He went talked to his manager and came back with NO! because I dont qualify and informed me that collection calls will continue. As they did everyday but sunday! 15 plus phone calls from Marcus to add on the stress level I was already under. Letter in XXXX came that they charge off to XXXX XXXX XXXXXXXX for non-payment after I made numerous attempts to make payments just not the regular monthly payment as they requested during that time and they not once worked with me.
Consumer complaint received 2021-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (KS)

I purchased and traded in a new vehicle from layered XXXX XXXX in XXXX Kansas at that time my trade-in had {$23000.00} left on the loan amount with Toyota financial group. XXXX XXXX did not fully play off the Toyota financial loan leaving a balance of {$250.00}. I was unaware that the new dealership did not completely pay off the loan for the trade-in vehicle they made a mistake during that transaction with paying off the loan to Toyota financial. I get a hit on my credit report from Toyota financial saying that my account was delinquent two months after the transaction with the new vehicles dealership had been completed. I have reached out to Toyota financial numerous times to no avail. I have spoken with the dealership that sold me the new vehicle and made the accounting error and they have offered to write a letter to Toyota financial to dispute the delinquency because it was the new vehicles issue and mistake. They will give me any documents we need to clear this up I have like I said Ive tried to talk to the Toyota financial to no help besides a address.I was never informed by Toyota financial that the loan was not completely paid off and did not know that I was responsible for an additional {$250.00} until I got a ding on my credit I blame the new dealership and I blame Toyota financial for not reaching out to me and not telling me that the complete loan was not taken care of.
Consumer complaint received 2020-03-10
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)

I just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2020-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

First off, this collection adds to my amount owed about every 2 weeks ... the original credit card debt was {$400.00} with that being the limit. This collection account is now over {$1000.00} from the original {$400.00}. I first attempted to go online to settle this debt online with LVNV. Online said accounts were not available. On XXXX XXXX, I emailed resurgent capital services who manages LVNVs accounts. I got a reply the next day stating that I am not eligible for a settlement at all. I was told to call XXXX to work out payments. I tried calling XXXX on XX/XX/2020 and they told me my file is not with an agency and they could not help me and to call resurgent back. I called resurgent back right after and they again said to call XXXX. I have just been getting the run-around and would like this debt settled/ off my credit and they have been denying me that. They were first on my list of 3 collections to take care of and I already had to skip them and within 30 mins I had the other two collections settled with XXXX XXXX  easily.
Consumer complaint received 2021-01-13
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2021-01-14
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)

the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-13
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc. (GA)

I received a voicemail yesterday XX/XX/XXXX regarding a lawsuit for an outstanding auto loan already on my credit report. I returned the phone call to hear it was XXXX XXXX XXXX  that called from phone number XXXX XXXX XXXX. The person was extremely rude asking me why I have not paid the loan off. I disconnected the call because I already knew that XXXX XXXX XXXX XXXX XXXX ext XXXX is handling this debt. Today my husband 's former job contacted him and forwarded him a voicemail from the same company stating my husband 's full name and full social security number my full name and my full social security number and to make sure identification is ready when serving the paperwork. My husband called the number the gentleman was extremely rude and told him my debt is his debt because he married me and repeated to him his full social security number again. I called the management company handling the debt and they advised me they did not outsource this to debt to any law firm. I called the phone number again today advising them what they are doing is illegal and that the debt is not in their hands it's already been given from last year XXXX to a management company which has been confirmed by the original creditor. Only to be talked to in a unprofessional manner.
Consumer complaint received 2021-01-13
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. (IN)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

Basic lee I had navy federal credit union freeze up all of my accounts and restricted every thing and said it was a permanent security restriction due to some one hacking into them on line a XXXX XXXX XXXX and the credit unions security department has been really nasty and every thing else and they are being rally rude and nastey to me and refuse to help me and told me to submit a security appeal form then I am getting the run around from the credit unions Security department. I had tried calling them multiple times with no luck. Basic lee I fell because I am a victrum of identity theft the credit union is taking every thing out on me and they should not be.
Consumer complaint received 2020-03-10
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)

XXXX, Transunion and XXXX  has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Consumer complaint received 2022-12-16
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. (GA)

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX XXXXXXXX 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 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

2 of my cars were totaled within 3 years apart, and the insurance company paid out Lexus/Toyota Financial in full yet somehow Toyota decided to charge me deductible. They did not tell me, warn me, nor contact me to make these payments. For years i believed that this was not my fault and was told the insurance company will handle it. After years of being frustrated, i decided to pay the balances ( see screenshots ) just to get rid of it. Toyota financial assured me they would delete the derogatory standing on my credit report as it was not my fault AND i paid it. They have not done so. It has almost been a full year. This company is disgusting and i refused to get a 4th car with them after being so loyal.
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I've disputed the amount as fraud several times with the credit bureaus. The Fair Collections continues to respond the amount is correct without any proof. The credit bureau upholds what they say, without taking into consideration the proof I've shown. I tried calling Fair Collections numerous times to make a payment arrangement, and to get an accurate total. My calls have gone unreturned for over a month. This debt is impeding upon my living situation. I'm on the verge of becoming homeless because this debt was reported to the credit bureaus. I can not afford a lawyer to assist me with this issue at the time. I have am more pressing issue I have to address, which is my housing situation.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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 2021-03-11
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. (GA)

XXXX XXXX XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.