davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
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. (AL)

I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the XXXX and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately
Consumer complaint received 2021-12-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Loan Science, LLC (IL)

XX/XX/2021 I sent a letter to XXXX XXXX XXXX requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XX/XX/2021 requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.
Consumer complaint received 2021-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Hello, I got an email today on XX/XX/2021 stating there was debt that needed to be collected ; total of {$710.00} and from Dynamic Recovery Solutions , LLC. The original creditor is XXXX and current creditor is XXXX XXXX XXXX. I have never used XXXX or XXXX funding and I find it odd that the email is dated on XX/XX/2021.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (VA)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCE CORPORATION (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023 my cell phone was stolen which had my drivers license debit and credit cards. There were several fraudulent charges made through out Florida using my cards and apple pay totaling over XXXX dollars. I submitted a fraud claim to Navy Federal Credit union and without investigating they denied my claim and said that I was responsible for the charges. I should not be held liable under their XXXX liability claim. I filed a police report and asked them to do a reinvestigation and was told that I would here in XXXX business days. I have not heard from them on the reinvestigation and have asked for proof on how they came to the determination that I should be held liable for the charges with not response to date. This has caused my account to go negative, I was late on several bills including having my car reposed because I was not able to make my payment.
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting The Following Inquiries EXPERIAN XXXXXXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO 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. 

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
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-12-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: PDQ Check Exchange LC (UT)

I took out a loan with Mr Money four years ago and they are trying to sue me in court I contacted them to let them know my situation, due to Covid, and now they are mailing harassing letters stating s judge issued a warrant for me and I need to pay them directly plus court fees and interest and they will make my warrant go away. They legally arent able to make a warrant go away for one for two I did a warrant search and there is no warrant issued. So I feel very threatened and that they are using issuing a warrant as intimidation when they dont have the right to even issue a warrant nor take it away.
Consumer complaint received 2022-05-27
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Speedy Cash/XXXX XXXX XXXX SS XXXX XXXX Dollar amount {$400.00}. 
I stopped payment on this payday loan because I think someone using my information came into the store and got the money. I had Speedy Cash send me a copy of the documentation that I signed. Attached to my information was a copy of a reference sheet that had people I did not know and was written in another handwriting. My bank stopped the money from coming out of my account but without my knowledge decided to send it to Speedy Cash XXXXXXXX XXXX zip XXXX. Speedy cash turned it over to a collection agency to get paid double. I would like to get this straightenout I have tried many times but it is hopeless. 
XXXX XXXX XXXX has been no help with this. The date it cleared my bank was on XX/XX/2022. The claim number with my bank is XXXX account XXXX. If you need any more information you can call me at XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I received a text message from a phone number XXXX claiming a {$1400.00} transfer could not be completed through my Wells Fargo account. This is not in the slightest bit correct as I do not have a Wells Fargo account anymore. It sent a link http : XXXX. I opened it and it asked me if a was a robot and when I clicked no it directed me to a Wells Fargo login and when I clicked on dont remember password/username it remained at this page and didnt take me anywhere else. This is very suspicious and would like to work towards a resolution.
Consumer complaint received 2022-05-27
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights to privacy. 

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.
Consumer complaint received 2022-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (MO)

Approximately 2 months ago I got a temporary forbearance which I was assured through a chat message with the Sallie Mae customer service that I could have it extended up to 12 months. I tried to extend it the first time, as my low income and living arrangements had not changed since then and I was denied. They lied to me, and are now demanding that I pay an amount I can not afford on XXXX.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2019, I was alerted that there was a new account added to my credit report and my credit score had dropped. I have never received any notification from this debt collector, nor have I ever been to the medical facility that says I owe {$240.00}. On XX/XX/2019 I sent a certified letter to Account Resolution Services asking for proof that I owe this debt.
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I request that my account with XXXX XXXX company, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX close my account aftXXXXr nine years with them in XXXX. I never received a respond so I called them on XX/XX/year> and spoke to XXXX different people and was finally sent to the Customer Loyalty department ( XXXX ) XXXX in which I was told handles closing accounts. This was after being on the phone and explaining my situation XXXX time for over XXXX XXXX hours. 

The person told me that I still owe {$100.00} for equipment. I dispute that because I've had the account for over 9 years and up to date with payments at that time. So I agreed to pay the {$100.00} if they would send me a email stating that my equipment bill was up to date. I was told that my account would be closed, but the following month I continued to receive bills from XXXX I call the Loyalty department again after receiving XXXX more bills and ask to speak to a manager. While on the phone the manager agreed that this should never have happened and he would make sure that the account would be closed and gave me his direct office phone number. ( XXXX ) XXXX. I received a letter from the Loyalty department stating that my account was officially closed. ( See attached ) Then on XX/XX/XXXX I received a letter from TSI, Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ( XXXX ) XXXX stating that I owe {$360.00} from XXXX XXXX I called TSI and they informed me that this originated from XXXX. I told them that his account was closed and I had correspondence that it was closed. On XX/XX/XXXX I sent TSI copies of the XXXX closure correspondence I have with XXXX. They informed me that the account number that tie XXXX to this account was # XXXX. 

I called them today XX/XX/XXXX and they told me that they have not received the correspondence and refuse my request to email them. 

This has gone on for a year and my credit report has not been corrected at this time.
Consumer complaint received 2024-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I bought XXXX item on XXXX. I asked my bank to wire transfer on XX/XX/year> at XXXX, I then realized I was being scammed at XXXX on XX/XX/year> I contacted XXXX Bank and XXXX to reverse and stop the wires from going through. Then I attempted to call both receiving banks to let the know that this was a scam and not deposit the funds in the accounts. I had no luck talking to the banks and they would not discuss because I wasnt the bank and didnt have an account with their bank. I then reported this to the FBI and state bureau of investigation. The first wire was {$27000.00} going to Bank of America. Wire number XXXX. 
The second wire was {$24000.00} going to XXXX XXXX, XXXX Bank, wire number XXXX.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander insists on furnishing inaccurate information to the credit bureaus. The account is inaccurate due to no account type. The high balances are inconsistently reporting between the bureaus. How can the account have been verified as accurate with a blatant inaccuracy reporting month after month. I have disputed this account directly with the bureaus and have not made any progress and they simply refuse to investigate it any further which is illegal. Santander shows on my credit report they last reported the account on XX/XX/XXXX at one bureau and XX/XX/XXXX on the others. That is inaccurate. They are in violation of XXXX XXXX because they claim the account was sold to another lender yet they have failed to report to which lender. I have a right to know who is trying to collect money from me. The dates last active is inaccurate because they are inconsistently reporting between the credit bureaus. I have requested a record of the payment history to prove the last payment was made on XX/XX/XXXX and XX/XX/XXXX because they have 2 dates listed for the date of last payment. They have not responded nor provided a record of the payment history to prove a payment was even made. That is falsifying information to prolong the length of time the account is to stay on my report to purposely further damage my credit rating. Since they claim the account was sold to another lender why are they continuously reporting on the account?
Consumer complaint received 2021-12-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XXXX XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX. They facilitated a loan from Fifth Third Bank for XXXX dollars. 

Since then I don't know my loan amount number, I've not been sent a contract or any paper work. I've seen nothing, I don't even know the balance on the account. 

It is mpossible to contact Fifth Third bank. I have called, emailed and written ; they do not respond. In the last week alone I've called everyday and spent at least thirty minutes on hold each day. Calling multiple numbers and branches and no one picks up. 

The only time contact is made is when they call to collect a past due balance plus late fees. Late fees the bank causes because it's been impossible to make on time payments due to their refusal to communicate. When they call they never leave voice mails, so I have to hope I don't miss the call. 

The attached pictures are the only information I have of the loan.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I was a customer with Wells Fargo from XXXX to XXXX so many times I had money missing out of my account unauthorized transactions and I would call the bank and I would notify them about it and in XXXX same thing kept happening and then they decide to take away my ATM privileges for a whole year then they just close my account out of nowhere my checking and savings account without any explanations
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2021, I checked two bags online ( {$30.00} each ) for a XXXX XXXX XXXX flight from XXXX to XXXX La XXXX on XX/XX/2021 and paid with CapitalOne Visa. I was charged again by CapitalOne Visa for {$60.00} on XX/XX/2021. 

I provided CapitalOne Visa with documents supporting my claim that I should only have been charged for two {$30.00} baggage fees from XXXX XXXX XXXX. 

Despite months of trying to resolve it, CapitalOne Visa refused to credit my account. 

Further, on XX/XX/2021, CapitalOne allowed 10 charges to XXXX for {$54.00} each plus {$37.00} to XXXX XXXX which were also fraudulent. 

I am the only authorized user on my card. I believe CapitalOne Visa employees used my account for their own personal use. They refused repeatedly to credit my account. I have since closed the card.