davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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 a victim of Identity Theft and Fraud. I have contacted Transunion, XXXX, and XXXX more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : XXXX XXXX XXXX XXXX - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX Card - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX Card - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX1 ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; I can not wait another day for these accounts to be removed !
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX Reported to Portfolio recovery by phone agent, that this debt in constantly being reported on my credit report negatively affecting my life. This debt has become an unnecessary hindrance to my ability to estabish credit and enjoy life. The debt reported is a {$620.00} debt for the calendar year of XXXX. 
XXXX  years later i am still being contacted by a debt collector for payment that i do not owe! 
I currently have a very low credit score and am being rejected and this undue adversity only complicates matters for me. 
The debt is not valid and should not even exist or be reported in any action as i went through bankruptcy in XXXX, clearing my debts. Also being, unlawful for any agency to report any debt after 7 years, this has been almost 4 times that length of time, causing 4 times the adversity.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX is wilfully reporting inaccurate information and a Charge Off on my Consumer Reports. I spoke with a XXXX agent by the name of XXXX  and she refused to remove the Chargeoff from Consumer Reports " stating MIDLAND CREDIT MANAGEMENT bought the debt '' ; however, my Consumer Reports have no reporting from MIDLAND CREDIT MANAGEMENT. ALL parties above-listed are conspiring and are in violation of my Consumer Rights and the FRCA for their negligent false reporting, damaging my reputation and ability to provide for my family. Remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. See the attached updated Credit report as proof of the blatant violations
Consumer complaint received 2020-12-27
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. (MI)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-06
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I began to manage my parent 's expenses in XX/XX/XXXX. Due to both my parents becoming Ill then passing away within 2 months of one another. My Parent 's had file a bankruptcy approx. 5 years prior to their passing. their Mortgage loan servicing company Select Portfolio Serving, had refused to discuss the account with me every time I called, they were happy to take the mortgage payments however even after sending requested certificate 's and probate award documents still refused specifics about the account. after sending probate award documents they then asked for an affiv showing myself to be administrator or executer of the estate, well the probate documents stated all the information they asked for. so my attorney draft an affiv that I had notarized and faxed to SPS, however now when I call they tell me I need to speak to the bankruptcy dept. and calling three times in one day is excessive. with the same out no one is available to take my call. someone is always avail to take the mortgage payments, for a year I have been denied information on this account. so in the process of refinancing my lender remarked that if their dedt was discharged it may be dissolved. I feel as thought I have been taken advantage of, and my rights have been violated by this company.
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On all 3 credit bureau files, under my name and other identification details, the collection company, LVNV, is reporting erroneous and fraudulent information in reference to an account that does not belong to me. 

Closed Accounts ( Collection Company ) Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit LVNV FUNDING LLC Hide Details XXXX XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} COLLECTION ACCOUNT {$0.00} LVNV FUNDING LLC XXXX XXXX  XXXX XXXX XXXX SC-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$390.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$390.00} Date Reported : XX/XX/XXXX Amount Past Due : {$390.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : N/A Creditor Classification : Retail Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes this account information, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key Erroneous Account in Collection : XXXX  Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN-XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$290.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$2100.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 24 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : 81-Month Payment History Year XXXX XXXX XXXX XXXX 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 Payment History Key
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021, I go to visit my online banking at my Bank of America app only to see that my account has been frozen and is pending closure. I immediately call Bank of America & get a representative on the phone who informed me that Bank of America has made a business decision to close my account and to part ways. I accept the fact that for whatever reason ; Bank of America wants to close my account & I proceed about asking on how I can withdraw my funds that are in my account. I have a total of {$8800.00} in my checking account. The representative says that my account is under investigation and is pending closure and that the only way I can get my money is when they fully close my account & send me a check in the mail. This is unacceptable. It is now XX/XX/XXXX and I do not have access to the only money I once had available to me ; therefore I can not purchase food to feed myself, I can not purchase additional food to feed my children, pay for my sons day care & survive in general. Bank of America is playing with my legally earned money that I have worked oh so hard for and is holding my money until Bank of America feels like sending me a cashiers check of my hard earned money. I have had this account for three years and I do not believe I have not once violated any rules and regulations. For Bank of America to freeze my account and hold onto my funds especially during times like this when the country is going through a pandemic ; this to me is unethical & inhumane. All I ask Bank of America to do is to release my funds to me that I am entitled rightfully entitled to - It has been almost one week and I do not have access to my money and I do not know how much longer me and my family will be able to survive like this. At this point we are at the mercy of the almighty Bank Of America where it seems as if they can do whatever they please with your livelihood with no regard to the consequences their clients have to face in the real world during a world crisis.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (TX)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX Balance : {$8100.00}.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MA)

BBVA USA was merged with PNC Bank. All BBVA customers received welcome packets stating that the transition period would be the weekend of XX/XX/XXXX until the XXXX. During that weekend it was told to customers that funds would be accessible no matter what. From the very start of the weekend, customers funds were locked and no access was granted during this period. When called upon, BBVA stated that because there was a merger, customers would need to contact PNC. when contacted, PNC stated that those customers were not in their system and to contact BBVA. This back and forth went on the entire weekend. PNC 's other option was for everyone to just wait it out until Tuesday. Not everyone was able to do that. Some folks needs to get their medications or gas or food and had no access and no help from either company. At one point, BBVA stopped answering calls and basically shut their phone system done due to the influx in volume of complaints. This was also confirmed by PNC who stood on recorded lines and were disconnected themselves. PNC also had representatives been extremely dismissive and downright rude and obnoxious towards the customers who were experiencing this hardship. When confronted about what would be done, PNC just basically shrugged their shoulders and said, " We'll note it and let someone know your issues. '' That meant to customers, we don't matter nor do the company not care about the extremely negative first impressions they gave out and seem to not be bothered by the fact tons and tons of customers incurred fees because of THEIR XXXX XXXX.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (MA)

We were purchasing our leased XXXX XXXX. On XX/XX/2022, we received our bank {$10000.00} check toward the purchase. We then wrote a check in the amount of {$2000.00} for the remaining balance. When we checked we only saw that the {$10000.00} check cleared and there was a remaining balance of {$2000.00}. This check was in the overnight mailing to Honda. We made numerous phone calls to Honda Financial. We were told that the payment was not posted but for us to call in 2 days. When we called back, we were told that the account for the purchase was short {$2000.00} but we explained that we have proof that our payment was processed and cleared. Our checking account has been deducted the {$2000.00}. I have sent in proof that the check was processed and cleared but told that the car would be repossessed if that payment of {$2000.00} is not paid. I have asked to speak with supervisors but never allowed to speak with a supervisor. There is no email address to email anyone, only a phone number that we wait on hold for up to 50 minutes each time. We were told to fax over proof of the payment but later told that this proof was not acceptable. I am paying on a car loan from our bank for a car that is about to be repossessed for failure to pay in full when we in fact have paid in full. I am attaching proof of payment.
Consumer complaint received 2021-01-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2020, I went to TransUnion 's official website to get a free credit check. I entered my debit card info as I thought this was a standard part of the credit check, and with no warning received TWO charges from TransUnion for {$24.00}, as part of a monthly subscription service. There was no subtotal, total, cart, listing or any other such indication presented to me letting me know I would be charged, and it was heavily implied throughout the process that the credit check I was receiving was free.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Continental Finance Company, LLC (IL)

I have been receiving voicemails from a company stating that I am going to be sued and arrested for a debt. I have never called back. Today, I answered a local number and it was from  XXXX   XXXX   XXXX  stating that they are the collection agency for Continental finance. I possibly owe this debt and have tried to resolve this in the past. Today at  XXXX  I answered the call because it was a local number. The lady yelled and stated that I am being sued and I need to show up for court. I requested to stop the threats and mail me a letter and I can try to resolve it. She then proceeded to futher threaten me with arrest and I asked to please mail me correspondence about this debt. She stated she would contact my employer until I was fired or they would come to my job to arrest me. BAD BUSINESS. If I owe I will pay but I am not going to tolerate threats and violations of my rights as a consumer.
Consumer complaint received 2023-03-06
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)

Transunion is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I previously disputed a matter concerning XXXX XXXX XXXX XXXX, where I disputed a business auto loan appearing on my personal credit report for the specific XXXX XXXX XXXX XXXX account. This account should not be appearing on my personal consumer credit report because the vehicle was registered in the name of a business and the account is a business account, not an individual account. 

I should have only one XXXX XXXXXXXX XXXX XXXX account appearing on my personal consumer credit report, the account I am disputing is a business account. Where the account I am disputing is an XXXX XXXXXXXX XXXX XXXX account established in the name of a business and not individual person. Wherefore, I request that this matter be investigated and removed from my personal consumer credit report. 

Transunion failed to address my dispute or investigate. Even provided me with incorrect dispute verification information. I received notice from Transunion that the " XXXX XXXX XXXX-VERIFIED AS REPORTED. '' I didn't dispute the XXXX XXXX account, it appears that Transunion never investigated my disputes for the XXXX XXXX XXXX XXXX  as I was provided only verification for XXXX XXXX account which I never disputed in the first place.
Consumer complaint received 2021-10-13
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)

My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit bureaus.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/XXXX {$900.00} Called made a complain. My case was closed without notifying me. File a police report. Have all the information needed. Its now XX/XX/XXXX still havent been refunded. This is my direct deposit account. I am behind on all my payment s. Why did they allow 14 unusual activity to take place on my account.