davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (TX)

Pursuant to 18 USC 8, I owe no debt, to this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1682 4. 

Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/XXXX I traded my XXXX XXXX wrangler in for XXXX new vehicles as a leases. I was financed and approved through Ally Financial from the Dealership where I leased the new XXXX XXXX wrangler. XXXX XXXXXXXX XXXX, XXXX XXXX, MI. 

I set up my online account through Ally.com after receiving my payment instructions from Ally Financial I the mail, mid XXXX. Seemed odd that it was late, so I made my payment for XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX through my XXXX Bank. 

Representatives from Ally keep calling me telling me they didn't get the payment. Another saw they did get payment but return it. They could not answer why, I asked for a manager, they hang right up. I verified with my Bank 's manager and the car payment was paid to Ally. Ally reps continue to call me daily, caller ID says potential spam. I have been threaten that they would report me to the credit burial and they did. As a result this placed a very negative MARK on me who has outstanding credit. Ally insists I send XXXX XXXX or XXXX XXXX  for the NEXT 6 MONTHS. I then received a paper check from what appears to be legit, REFUNDING the amount XXXX PAID. I took it to my Bank to verify if it '' XXXX real. I WAS ADVISED DO NOT CASH IT. It's a scam. 

I almost sent money via their request to money gram but the clerk at XXXX stopped me, and told me to go back to the dealership, it's fraud. 

I called the dealership twice leaving voice messages with the Manager of Finance. No return call. I drove up to the dealer ship and went to my sales man explaining with all my documents. He was stumped as well, and told me he would have to get back with me. 

Meanwhile as I await, my credit has been damaged and I suspect some kind of unlawful actives have taken place using my credit.
Consumer complaint received 2022-05-22
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. (FL)

XXXX XXXX XXXX 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
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX 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
Consumer complaint received 2019-08-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

So Im a XXXX XXXX graduate of 2018 and I now and dealing with Sallie Mae, these people have no intentions of being able to make my payments easier for me. My monthly payment is twice as much as my rent and I am unable to make that payment, I work two part time jobs to make ends meet and I try to at least pay XXXX towards my loans. Since then Sallie Mae has ruined my credit score, I just want an payment based on my income to help me.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I have reviewed the letter that Frist Point Collection Resources emailed me and that bill is not mine. I first want to start off by saying I do not live at XXXX XXXX  XXXX XXXX nor have I live there in 2017. In 2017 I was staying in XXXX, North Carolina. Secondly I never received services XXXX XXXX XXXX.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I bought a card from the XXXX XXXX on XX/XX/2022 at XXXX and I tried to create a account that way I can set everything up and it say they can't authorized for me to create a account. There is {$54.00} on the card. And I really need to use the card. They took {$7.00} off my card for no reason and I want my money back. Please help
Consumer complaint received 2017-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (GA)

XX/XX/XXXX -- requested information/documentation of Western Union transactions that I sent to ONE person. 

XX/XX/XXXX -- called to see why it has n't arrived. They told me that after all this time, it will take 21 additional days to process this simple request. I told them this is for an id theft/fraud prosecution and they STILL told me it would take 21 days to even e-mail me the requested information. 

I now must attempt to plead with the investigator of my case to subpoena this infomation from them before the id thief leaves town. I am a 2 time XXXX XXXX veteran and I got no cooperation!
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (FL)

I honestly do n't understand this collection agency. I previously complaint about this agency and they told me to write a dispute. I did. They ask to close this file and states they are not doing any wrong.I ignored the fact that they kept hitting up my credit report during the dispute which I still have not received any statement detail with the expenses I owe and what services nor do I have a contract with Midwest recovery. I why are they keep hitting my report frustrating me. Could I get a lawyer for their actions and lack of professionalism it truly bothers me mentally when I do not owe this company and stressing trying to figure out how did they come about that amount. Below is proof they are constantly hitting up my credit report with negative activity.
Consumer complaint received 2019-09-03
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. (NY)

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (TX)

I paid my BBVA credit card off, and also a personal loan. Upon this, they reduced my limits and then when I went in to the local branch to close my account, they called the police on me, even though I offered nothing other than asking them to close all accounts save checking. Then they punatively closed my checking account and claim to have filed a no trespass. The local manager, XXXX XXXX ( sp? ) refuses to give information as to their registered agent and is aware that I have XXXX and protected with the ADA.

Somehow they left the credit card active and I have attempted to refute their balance and am unable to retrieve an audit to ensure validity of this debt and their collection process. I just today received a bill from them after several months of no communication.
Consumer complaint received 2019-07-09
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. (GA)

I went to try and help my mom get a car and the people at the car lot told me that I could not cosign because of my credit I went home to see what they was talking about and there some stuff on there not mine can yall please remove XXXX XXXX XXXX  and XXXX. I am doing this on my own behalf and I contacted the FTC and my local police,
Consumer complaint received 2023-02-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC (GA)

XXXX XXXX is not a mortgage service company. They hold themselves out as XXXX but in reality, they answer the phone and upfront tell you they are a debt collection agency attempting to collect on a debt. They read you a disclosure on a tape-recorded message before they will speak to you as any debt collector or debt collection agency does. 

Under the CARES ACT set up by Congress a Federal law was enacted CFPB set forth that companies like XXXX and others could not collect LUMP SUM PAYMENTS for Forbearance payments when the forbearance period ended, in my case, it was XXXX  months long. 

XXXX, claims I am XXXX  months behind in my payments and is trying to force me to pay {$100.00}, XXXX, XXXX to bring my account current when in reality they have added {$52000.00} worth of payments to my account, which they know is wrong. I spoke to XXXX XXXX this AM XX/XX/23 about XXXX XXXX  and he refused to discuss the matter with me. I have emailed XXXX also, so they are fully aware of the situation, that I have made them aware of. Yet they are moving ahead with my foreclosure sale. 

I asked for a copy of my modification that Shellpoint granted and then XXXX turned it down, and it has yet to come to me. XXXX XXXX again said that the papers were sent via email to me yesterday to the email address I gave them XXXX. They still have not arrived after XXXX hrs. I have been informed by CFPB that the modification that Shellpoint gave me, that XXXX must honor, just like XXXX must honor the Cares Act, does not allow them to dump {$52.00}, XXXX in the loan amount along with insurance and fees on top of me and then move to foreclose.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l. (IN)

NATIONWIDE CREDIT ALREADY SAW THE ATTACHED CALLS IN PREVIOUS COMPLIANTS AND REFUDES TO CLEAR THIS MATTER UP AND REMOVE HARD INQUIRIES FROM XXXX, WHERE THEY PULL MY CREDIT TWICE IN ERROR.
Consumer complaint received 2024-03-13
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. (MD)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-02-16
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. (AZ)

I've found multiple fraudulent accounts on my credit report and have tried to correct with the credit reporting agencies. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Billey Act, and RICO. The following accounts and hard inquiries are fraudulent and I demand their removal from my personal credit report. 

Disputed - Hard Inquiries XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) Disputed - Accounts XXXX XXXX - {$40000.00} XXXX XXXX XXXX XXXX - {$990.00} XXXX XXXX - {$650.00} XXXX XXXX - {$260.00} Disputed - Account Numbers XXXX  - XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2023-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (WA)

Date if phone contact with collection company Wakefield requested info they responded with promise to postal mail samenever received. All I know is debt supposedly occurred in 2020 I was made aware of this from XXXX XXXX never was contacted from collection agency
Consumer complaint received 2023-03-06
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. (GA)

In accordance with the fair credit Reporting act, The list of accounts below has violated my protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX XXXX  notified all 3 CRA and identified information on my report that are a result of identity theft, these are not related to any transactions completed by me, XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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 (NY)

I have a credit card with Capital One. Last year my card was compromised. I resolved it with the company, they sent me a new one.I have a recurring monthly payment for a warranty that is attached to that card. I rarely use that card so it was not a big deal to pay that monthly. A couple of weeks ago I tried to make an online purchase with the card, it was denied. After getting on the card website I found out the card was never activated. I had no idea this never happened. So every month the card was getting charged, and the card was not activated. Confused as to how this could happen, I was informed that the card could be charged, even if it was not active. I don`t see how a card can be charged if not active. those charges should have been denied.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NV)

XX/XX/2022 I had lost my job and attempted to do a forbearance and they told me I have to have had the vehicle loan open for at least XXXX  months before allowing me to do that and to call back on XX/XX/2022 so I had to struggle for XXXX  months to make this expensive truck payment. 

XXXX XXXX approved XXXX forbearance but did mention I only get XXXX per year. so they took XXXX payment of {$1200.00} and applied it to the back of my loan. 

How does allowing someone that is struggling only XXXX time each year help a person? usually with the loss of a job you fall behind on bills until you find another, and even then, have to play catch up after a few paychecks.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-03-02
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 (GA)

Please see previous complaint # XXXX. Capital One has either stolen or is fraudulent in a sum of {$1.00} for a transfer that was taken out of my account but never received on the opposite side of the transaction. They have only reached out once for my XXXX account numbers, that is it. XXXX from capital one called. I returned his call on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX at XXXX. They have not contacted me any other time or in any other way. I gave XXXX this information and he said he would be in touch. Im exhausted from capital ones excuses. Why would I not want my money of {$1000.00} back. This issue is not resolved and will not be, until I get my money plus the interest that they would have charged me for this very lengthy time. XX/XX/XXXX!!!! please let me know how I can take further action on this matter and get my money without getting an attorney.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (TN)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 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 and 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

Property taxes have not been paid and are past due. This is the 2nd consecutive year in which property taxes were not paid. Insurance was not paid last year, either. Attempts to contact Citizens has resulted in disconnected calls and failure to speak with an agent.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (SC)

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 ) ( XXXX ) 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 : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.