davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I check my credit report with Trans Union, I noticed the same derogatory remark on my credit report. That Trans union removed in XX/XX/XXXX with XXXX XXXX XXXX The contract was not signed by the company 's representative and myself dated XX/XX/XXXX. In Trans unions investigation with XXXXXXXXXXXX XXXX XXXX XXXX  stating they are FCRA Requirements is valid. To change the opening or collection date to XX/XX/XXXX
Consumer complaint received 2023-07-19
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 writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. You are also reporting the date last active was XX/XX/2023 when this is incorrect. The XXXX is critical when dealing with the statute of limitations and I believe your company as well as the collection agency knows this and that is why you illegally updated the date last active. I dispute your claim and I requested validation from XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) and received nothing. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XXXX XXXX, 2019 I noticed large amounts of money being deposited into my bank account got acceptance emails from Webster Bank accepting these funds I called them right away I explained that I did apply for a loan but the amount that I applied for was not that amount and why were these funds being transferred into my account and being held at this point I was told that the company that was the posit in monies was a fraudulent company and that they will be charging me return ban check fees, I tried to explain to them and successfully that the loan that I applied for was for XXXX and that it wasn’t even processed yet. I also noted that even though they claim that my account was closed yesterday these people still deposited large numbers of monies into my account again and not only response I got was I’m responsible and they’re closing my account and charging me the fees.
Consumer complaint received 2024-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Benworth Capital Partners LLC (FL)

MORTGAGE DISCRIMINATION XXXX XXXX XXXXXXXXBENWORTH XXXX  In XX/XX/XXXX, we were approved to refinance our loan with Benworth XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX benworthcapital.com. Regarding the refi with XXXX XXXX XXXXXXXX, the original approved loan amount was {$360000.00} however, according to XXXX XXXX XXXX XXXX XXXX of lending NMLS # XXXX ph # XXXX, cell # XXXX fax # XXXX email : XXXX there was a new approved amount for {$370000.00}. However, when it was time to close the loan, there were some issues with Benworth paperwork that prevented the closing from taking place. Then on XX/XX/XXXX, Benworth called XXXX requested that XXXX my son, and I go to their office to sign some paperwork, which we are submitting copies of. To date, we are still waiting for the closing to take place. We believe something went wrong somewhere. However, because we are not a lawyers and do not understand the laws regarding mortgage loans, we were taken advantage of by Benworth in their paperwork. XXXX of the questions that we have is why XXXX had to sign to give us permission to refinance our home even though XXXX 's name is not on title? If you have any questions, please let me know. Thank you XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX. 
{$890.00} LVNV FUNDING LLC XXXX. 
{$450.00} XXXX XXXX XXXX XXXX. {$900.00} I see those account in my credit report those accounts are unauthorized I will like them to be removed removed immediately
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: Experian Information Solutions Inc. (FL)

My name is 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 2023-07-19
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. (TX)

I am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist charged overdraft fees on debit card transaction that did not exceed the accounts positive balance. 
Truist charge overdraft fees even though I had sufficient positive balance at the time that the transaction was authorized by the bank. 
Imposing overdraft fees in an Authorize Positive/ Settle Negative situation is unfair, because it causes injury that I can not reasonably avoid. 
I have no control over or involvement in the settlement and presentment of debit card transactions ( which typically take place days after the transaction occurred ). 
When Truist authorizes a debit card transaction on my account with sufficient funds to cover the transaction, I reasonably expect that I will NOT incur an overdraft charge on that transaction. 
Truist is intentionally reordering debits and credits in a way that creates scenarios to cause additional/multiple overdraft fees out of thin air ( typically transactions that accumulate between Friday and Tuesday ). 
This has happened more than 60 times between my accounts since XX/XX/XXXX, resulting in more than {$2100.00} in undeserving overdraft fees. 

I am a XXXX XXXX to XXXX children, and this has impacted my ability to feed my children more than once. These practices are immoral, and certainly do not fulfil the company moto of " financial wellbeing ''. I spent more than a week begging the company to reverse this latest round of fraudulent overdraft fees, but the company is hiding behind a XXXX disclosure saying that I agreed to allow them to charge/change/authorize/post fees to transactions at their discretion. 

All of the transactions made were transfers from Truist acct to Truist acct and XXXX debits. It is impossible to transfer funds from one acct to another if there are not funds available, and it is impossible to send funds to XXXX  if there are not funds available. It is safe to conclude that Truist has created these situations intentionally to generate more revenue from overdraft fees, out of scenarios that absolutely can not be in an overdraft situation. Truist is # 4 in the Nation for collecting Overdraft Fees. I'm curious what the ratio is compared to other banks per personal account/business account. 

The largest occurrences of this happening were in XX/XX/XXXX and XX/XX/XXXX but this has happened throughout the last year and a half, with the latest being XX/XX/XXXX, XXXX, XXXX of XXXX ( oddly enough directly behind the heels of a production issue that created multiple duplicate transactions ). 

It is a shame that banks do not have to pay damages when they negatively impact clients/employees. These instances of made-up fees have really hurt my family of XXXX. The most recent occurrence has set me back so far that I can not buy food, gas, or XXXX gifts. Before I ran out of gas, I had gone to 3 food banks in search of someone that can help me feed my children for the next month due to this outrageous abuse and misuse of power. This is unreal.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

on XX/XX/2024 a unauthorized transaction was made using my debit card. a charge of XXXX was made at XXXX. I received a text from regions concerning this transaction the bank flagged this as fraud and I hit yes on my phone that yes this was fraud. my debit card was closed, and a new one was issued I filed a fraud dispute in a timely manner within the guidelines of the EFTA. I received a letter dated XX/XX/2024 denying my claim. I'm now asking for help from the CFPB to correct the situation. nothing was ever received at my billing address I did not place give permission for anyone to use my card and now have become a victim by regions bank. there is a strong possibility that my x boyfriend placed this order using my information without permission. under the EFTA I am not responsible for any transactions I did not authorize. we no longer live at the same address, and I've had no contact with him sense.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

CFPB + Transworld Systems Inc, I am disputing the debt Transworld Systems Inc says I owe - attached to this complaint is : - copy of my drivers license - copy of my mailing address - copy of dispute letter - copy of letter I received from Transworld Systems Inc
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

today at XXXX XXXX on XXXX XXXX I received a call from XXXX XXXX, tel XXXX that someone using my info identity is trying to purchase an auto at XXXX and I told XXXX this is a fake fraud and I never did this and had never tried this and they issued an reference number XXXX. Please help me and alert all credit agencies this is a an ongoing fraud.
Consumer complaint received 2023-07-19
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)

Wrong Inquires showing on my account on all the XXXX credit bureau for XX/XX/2022. I have called all business and they say there is nothing on my name in there system. I am wondering why it is showing in XXXX, XXXX XXXX Transunion. Can you please help. I am reaching it XXXX time to CFPB so that i can get help. 

XXXX credit report : Hard Inquiries Enquiry Date : XX/XX/2022 Company Name : XXXX  XXXX  Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX Note : I was able to file dispute successfully online on XXXX XXXX. Please help in looking into it & remove the hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

******************************************* XXXX Inquiries : Inquiries XXXX XXXX Inquiry date : XX/XX/2022 Additional details : - Business type : Auto Financing Companies Contact info : - Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/2022 Note : XXXX website don't allow Inquiries to be disputed online. It says if you believe an inquiry is the result of identity theft, contact us at XXXX. I called this number filed dispute and i have been told that this will be removed. Experian Dispute number : XXXX. Please help in looking into it & remvoe the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also callled Ally Financial and XXXX XXXX XXXX and they say there is noting on my name. 

*************************************************************** TransUnion : Name : XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual Name : XXXX XXXX XXXX via XXXX XXXX XXXX Requested on : XX/XX/2022 Location : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Phone : Phone number not available Inquiry Type : Individual Note : Transunion website don't allow Inquiries to be disputed online. Please help in looking into it & remove the above XXXX hard enquires from my account. Please let me know if you additional information from my end. I have police complaint for this issue. I have also called TD Auto Finance and XXXX XXXX XXXX and they say there is noting on my name.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Palm Beach Credit Adjustors, Inc (FL)

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( XXXX ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. XXXX provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the state. 
Send this information to my address listed above and accept this letter sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied
Consumer complaint received 2023-06-14
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. (PA)

XXXX, XXXX, and TRANSUNION are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences
Consumer complaint received 2023-07-04
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. (FL)

My name is 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 2023-07-19
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. (OK)

This is my last and final attempt to get hard inquiries removed from my TransUnion consumer report. I sent transunion documentation due to unauthorized inquiries on my report. They received the letter certified mail green return receipt on XX/XX/XXXX tracking number XXXX i sent an ftc report, passport and the proper documents to remove the items from my report but they are still on there. TransUnion is being negligent in my request and now I am seeking {$1000.00} for the negligence of them ignoring my letters that they received and signed for. i have my proof that transunon received the letter and they are supposed to remove the hard inquries within 4 days upon receipt it has been well past 4 days and the hard inquiries are still on my report therefor i am demanding to be compensated for the inconvenience and will seek litigation/arbitration if need be.
Consumer complaint received 2024-04-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I rent and art studio for {$XXXX} a month from XXXX XXXX, a nonprofit organization. On XX/XX/XXXX myself and another XXXX recieved an email from the manager of the warehouse property stating that not only did the property managements portal stop receiving payments 2 months prior, but that she had already referred our accounts to a creditor ( Transworld Systems Inc ). By doing this she admitted to not making any effort to notify me of the debt or to collect it prior to sending it to a collection agency. Attached is the email. 
I paid the debt the same day and the proof of payment for the two months and the current month ( XXXX ) is attached. The collection agency never contacted me and I assumed the issue was resolved. I just found out from another XXXX the name of the collection agency and that they were only sending debt collection attempts to the wareghouse space rather than my home address so I was unable to verify that the debt was even sent to them. I found the number of Transworld Systems Inc and called them, but they said that XXXX XXXX has yet to tell them the debt was paid or update them in any way. I have contacted XXXX XXXX and they sidestepped the issue by saying " the issue was resolved on their end ''.
Consumer complaint received 2023-02-27
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. (NV)

As of XX/XX/XXXX u own lease has submitted duplicate claims on my report for the same debt of {$2000.00} This is incorrect information. 
Please review and delete both accts as this is not legal to do.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed for bankruptcy 2 months ago all accounts have been closed now XXXX XXXX is reporting my accounts as of 30 days late which is further dropping my scores after the accounts have been reported closed