davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
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 wrote three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC (TN)

I have already filed a complaint about the abuse I suffered at the hands of XXXX XXXX of National Recovery Agency. National Recovery Agency violated the law by sending a text to me before XXXX in my time zone. Their text was sent at XXXX XXXX.
Consumer complaint received 2021-06-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am disputing Bankruptcy XXXX on my Transunion credit report. On XX/XX/XXXX TransUnion has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can TransUnion verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with TransUnion and has even attempted to contact TransUnion to have the Bankruptcy removed from my credit report. TransUnion states that you can get more information about how they verify public information records by going to the website www.transunion.com/legal/public-records. When you go to this website it states that TransUnion gets their information from XXXX. XXXX does not have any bankruptcy information for me. So XXXX DID NOT verify that this bankruptcy should be reported by TransUnion. 

By continuing to report Bankruptcy XXXX on my credit report TransUnion is violating the Fair Credit Reporting Act and can be fined up to {$1000.00} per occurrence.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (TX)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the equifax data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well.I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt.I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

Shellpoint, agreed my account would be properly notated and no issues would arise back in XXXX of 2020. My bankruptcy is over with. They continue to not fix my account. I've filed numerous complaints against them, diech, and greentree. They are continuing to harass my bankruptcy sending him my mortgage information. He has sent numerous letters my bankruptcy is over with to stop sending him my mortgage information and payments. Now it's become mail fraud and violation of court agreements. Between their attorney XXXX XXXX and me. He was also, greentree and Ditechs attorney giving him insider information. Since, Shellpoint can not honor the agreement we agreed upon and their attorney promised I would not have anymore issues out of the. I request they send me my title, payment for emotional distress and anxiety
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-07-03
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: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-02
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: Nicholas Financial Inc. (VA)

I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-07-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (IN)

I purchased a vehicle online. It ended up being a fraudulent dealership. The payment was wired to an account at Truist bank with ended up being withdrawn or removed by the fraudster. I called Truist to let them know about the situation so they could flag the account or not allow the perpetrator to withdraw the funds. They refused to do so and subsequently, the money has been withdrawn for the account and has not been recovered. 

The two issues are, my bank now is insisting that I still make payments for the car loan even without a vehicle. This could have been avoided if 1, the account was frozen when I called in. 2, someone opened a bank account in the dealership 's name, which the money was sent to and the bank should have done due diligence before opening an account by requesting documents and if that was done, the bank should release the name of the account owners to the authority so my stolen money can be recovered.
Consumer complaint received 2021-07-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

This account is reporting two debts : XXXX and XXXX. I have requested debt validation for both accounts and have not received anything back. I have been disputing the XXXX  for a while and just received notice they have transferred the account Ive disputed. I have not received a debt validation for this account before it was handed off.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Financial Services, Inc. (AZ)

This was like 3 yrs ago, amount was never discussed!!!!. What company? at that time I was clean for like 4ys. XXXX really what did I owe? they hung up on me cuz I wouldn't give the name they asked for. Threats don't work. If this what I thank it is. My payments are on time. Have fun robbing ppl on that note I love you
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Early Warning Services, LLC (CA)

I have an account by the name of XXXX XXXX XXXX  reporting to my profile I am a victim of identity theft and would like this account removed from my profile. I am a victim of identity theft and I also had my information leaked in the XXXX data breach. I might add that the information that is reporting don't match and the social security number on the account don't even match my social security number.
Consumer complaint received 2021-03-16
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. (AL)

On or around XXXX, I disputed items with Transunion that were not my accounts. Even though I told them they weren't mines they remain on my credit report. If these accounts have my info they were fraudulent accounts. I asked them for a method of verification and fail to send me a proper one and only said these accounts were mines, without any proof. About two years ago I had to take a company to court for failing to remove an account that someone created by using my social security number. I told Transunion, but they fail to do a full investigation and said they were mines. Here is the info for the dispute results
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

On XX/XX/2021 I disputed a transaction for {$9.00} with an account I have with Brinks Prepaid card. When I disputed the transaction, I did not know that my account would be blocked and my card canceled even though I DID NOT REPORT IT LOST OR STOLEN. I should have been informed before proceeding to dispute a transaction, that my card would be canceled and my account blocked. There is no verbiage in their website " warning '' customers that their account will be blocked and their card canceled. We should be given a choice " to accept '' or " decline '' this decision BEFORE proceeding to dispute a transaction. 

Note : I disputed the transaction with XXXX because they automatically deducted a fee from my account that I had originally set up with them when I used their services in the previous month. However, I had opted out of the service months ago and they still charged me a fee for the current month.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

A debt collection company " I C SYSTEMS COLLECTIONS '' on behalf of XXXX XXXX has reported that I owe {$120.00} to credit agencies. 

The last time I had a XXXX XXXX account was XXXX of 2019. That service was at an address, XXXX XXXX XXXX XXXX, GA which I left in XXXX of 2019. At that time I paid the final bill, returned equipment and never got another correspondence from XXXX since XX/XX/2019. I've not received an email, phone call or written notice that anything was owed or that I was being sent to collections. I had absolutely no opportunity to address any issues with XXXX or I C and now have a collections on my credit. 

Until this appeared on my XXXX credit report I had no idea that their was an issue and to date I have still not received anything stating that I owe anything to XXXX  much less what it is that they claim I owe {$120.00} for. 

I don't live at the address where the service was but XXXX had an email address and phone number to reach me if they needed to reach me about something I owed. Instead they chose to silently send a balance which I do not believe I owe to a collection agency.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

On XX/XX/2023, Chime notified my via email that both my checking and savings account were closed because of a breach in their policy and suspected fraud. I was advised that this could be resolved by sending the requested documents validating my identity. I provided this to them via email. I called them also and was told that I would receive my closure check ( remaining balance {$2000.00} ) within 30 days of my account being closed. I reached out to Chime multiple times for an update of my account status/closure check being mailed. I received the same info with different reps telling that their support/detail/back office team would correspond with me ( within 12-48 hours ) via email once they viewed my documents. I also resent my documents via email a few more times as well as calling Chime customer service. Up until this date I have not received my closure check or had my account reopened upon sending them valid documents. No one have not contacted me regarding this matter by phone or email.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX regarding FHA home loan has been misapplied my monthly payments to " suspense account '' instead of " regular payments '', which we tried very hard to do regular payments despite of financial hardship due to COVID. 

1.Paid XXXX, {$3300.00} was placed in suspense acct, reflected 30 days late 2.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 3.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 4.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 5.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 6.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 7.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 8.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 9.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 10.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 11.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 12.Paid XXXX, payment for XX/XX/2020 {$3400.00} was placed in suspense acct, reflected 30 days late 13.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 14.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 15.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 16.Paid XXXX, payment for XX/XX/2020 {$3500.00} was placed in suspense acct, reflected 30 days late 17.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 18.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 19.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 20.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 21.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 22.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 23.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 24.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

I opened a XXXXXXXX XXXX  credit card with Comenity Bank earlier this year and totally paid off the balance of {$130.00} on XX/XX/XXXX with a {$250.00} credit line available. With this card you can purchase items from several other companies and charge to this one card-shoes, bathing suits, furniture and other brand clothes. On XX/XX/XXXX I called to place an order with items from different places such as XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX. I wanted these items to go to the XXXX  to my sons wedding before XX/XX/XXXX too. I was told I could not charge to my XXXXXXXX XXXX  card and had to open a new card and I did for a total of {$170.00}. On XX/XX/XXXX I was checking on order status and nothing had been mailed out and there were estimated delivery dates of 4-6 weeks mid XXXX-after the wedding! I called to completely cancel the whole order since it hadnt been processed and wasnt going to arrive on time. The customer service representative said I could not cancel it and they could not stop the order that had not been processed! However-IF I would open a NEW credit card under XXXX XXXX name-still with Comenity as were XXXXXXXX XXXX and XXXX XXXX-he could get me the order cheaper with express delivery! This would only work for opening a new card and not using the one with credit on it XXXXXXXX XXXX! So I opened another Comenity card-3rd one this year and 2nd one in 5 days XXXX XXXX!! Order total was {$140.00} and arrived XX/XX/XXXX before I left! I had 2 returns = {$32.00} including tax so I should owe XXXX XXXX  credit card {$110.00} to pay off this balance. HOWEVER Comenity decided to charge my XXXXXXXX XXXX card on XX/XX/XXXX a total of {$140.00} with fees and interest! I have called about 10 times, been on hold for over 20 minutes and disconnected and disregarded EVERY time I called to correct this! I was told it doesnt matter what card and I said it matters that you charged my card a day after I opened the new card with the items! Also the upsales is ridiculous and the dings on my credit was unnecessary! Im elderly and feel taken advantage of by their deceptive and predatory sales! And calling for help is truly asking to be abused and treated with rudeness! They never let me talk to a supervisor and would keep switching me to another department-ordering department was in charge of my billing error at Comenity?! I kept notes of each phone call, hold time and ridiculous comments they said to me. They really have NO way to resolve any matters of financial issues and should be fined! Technically they put fraudulent charges on my credit card that I didnt authorize! The XXXX XXXX order finally arrived XXXX and I mailed it right back to them for a full refund is SUPPOSED TO BE DUE TO ME! So exactly WHY did I open THAT credit card-so someone can get a commission?? Exploiting the elderly for what-to decrease my credit????
Consumer complaint received 2023-01-19
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. (NC)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting XXXX XXXX XXXX XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I applied for Care Credit and was approved for {$7000.00}. A week later I checked online and the account was blocked. I have never used the account. I received a letter asking to verify my identity. I mailed my documents to the PO Box on the letter. TWO MONTHS LATER THEY CLOSED MY ACCOUNT! WITH NO EXPLANATION! I don't understand how a company like this can still be in business. I've never had fraud in my name and I sent in the paper work they requested. WHY WAS MY ACCOUNT CLOSED??????
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NH)

Used my bankruptcy and the fact I am on a limited income ( XXXX ) against me to deny me a store card. All I needed was a {$300.00} limit. I handle my other cards just fine and in fact they are all paid off. Citibank has always been prejudice to those who are on medical XXXX.
Consumer complaint received 2021-06-28
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. (MO)

I've reported to the major credit reporting agencies that my identity was compromised and without any physical documentation in which was requested they still mis reporting these unauthorized fraudulent accounts on my credit file. I'm requesting that these accounts are removed immediately and blocked from my files. These accounts shall be removed. 

1. XXXX XXXX {$580.00} 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of ED/ XXXX {$3800.00} 8. Dept of ED/XXXX {$3700.00} 9. Dept of ED/ XXXX {$2200.00} 10. Dept of ED/ XXXX {$1800.00}
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (GA)

TitleMax hired XXXX XXXX XXXX to repossess Consumer 's vehicle. Consumer has not received any correspondence from TitleMax, although Consumer opted in to receiving email, text and phone communications. Consumer has not received any loan documents, notices to repossess, advice of Consumer 's rights nor the process of redemption as pursuant to Federal and State Law. TitleMax has Consumer 's correct mailing address, but never made any attempt to contact Consumer in regards to the account. Mailing address on file is XXXX XXXX XXXX XXXX GA XXXX. If TitleMax sells the vehicle without giving proper notice they can be held liable for damages. There is also a Surety Bond on the Title which TitleMax is aware of. This Surety Bond covers insurance, accidents and any default payments. Consumer was not able to access documents and disclosures as promised through the portal or the website because the documents would not download. Loan number was not provided not available in the portal so Consumer has provided their social security number with this complaint. Consumer has reason to believe TitleMax has been trading the Consumer 's asset backed security ( Certificate of XXXX ) on the secondary market. This is securities fraud, as the Consumer never received disclosure of securitization nor their share. I am the Authorized Agent and Beneficiary of XXXX XXXX XXXX XXXX. As an Investor, if you can not resolve this matter, I will be forced to submit an Investor Complaint to the Securities & Exchange Commission as well IRS FORM 211 to request an audit of the account. Reference Vin No. XXXX. Unfortunately, the only document Consumer received was a Denial Letter that has been attached to this complaint.