davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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. (NV)

Please review previous closed complaint regarding Experian. I never received any pin number in the Mail. Experian failed to protect me from being a victim of fraud. In fact Experian aided and abetted the person who has used my information to obtain credit using my information. Experian supposedly sent me a pin to my home address. Where is it??????????? Also they said I did not enclose my social when their website told me not to include my social when writing to them.
Consumer complaint received 2022-10-31
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. (CA)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XX/XX/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
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Card Receivables Fund Incorporated (CO)

According to XXXX XXXX XXXX who represent Unifund CCR, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked XXXX XXXX XXXX to show me the form where i signed for this account. Nothing was produced. If i understood XXXX XXXX XXXX they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX. the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt XXXX XXXX XXXX or Unifund had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from Unifund it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (SC)

Purchased 2 XXXX XXXX prepaid cards that was not activated with the funds that paid to reload I paid XXXX on one card and XXXX on the other in which I have receipts for on the receipts it shows that the money was activated to a American Exspress card just not the cards I purchased
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (OH)

Notice for Proof of Claim Account : SOURCE RECEIVABLES MNG To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor w
rites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2020-06-12
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-17
Product: Debt collection — Payday loan 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

Used intimidation tactics and threats. Called me and my family members multiple times trying to discuss my debt. Used multiple numbers and called private multiple times.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

In XXXX we found we were unable to make transactions in or out or our checking and savings accounts. 
We attempted to visit local Citibank branches in XXXX but found they were closed first due to the covid virus and then due to the protests and demonstrations that began across the country. 
We called Citibank XXXX and spoke with XXXX on XX/XX/XXXX. 
We were told the bank was in the process of closing our accounts and they were therefore blocked. 
We were not given a reason why. 
We were given case number XXXX  
We were told Citibank is unable to give a specific date when our funds will be released but that it is never more than 30 days from when they are initially blocked. 
We are now close to the 30 day time period and when we contacted Citibank again they still do not give us a specific date as to release of funds. 


We would like to be given a specific date as to when these funds will be available. 
We need these funds for essentials like housing payment, health insurance, groceries, prescription refills, etc. 
We would like to know by what method we will receive these funds.
Consumer complaint received 2023-05-29
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. (CA)

Looking on my main consumer credit files, I see the corporation XXXX is on it, as well as the company they sold the alleged debt to, XXXX. If they are no longer collecting on this alleged debt, why are they still on my consumer credit files?

This is why I sent the Cease & Desist and Debt Validation to XXXX. The cease and desist was sent for them to stop the illegal activity they are doing. I mentioned the remedy for the injury you caused, which was illegal. As the consumer and the creditor, I invoke the specified remedy under 15 USC 1692c ( c ).

Their so-called validation sent to me failed to meet all 5 requirements under 15 USC 1692g , which means they are in another violation. An original writing, recording, and photograph are required in order to prove its content. Bill statements are not mentioned as validation, according to congress. Bill statements with the name of my organization on them are nothing but receipts, proving that XXXX ( the debt collector ) was credited for the transaction already through me, the original creditor.
Consumer complaint received 2020-08-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I received a letter from XXXX XXXX Senior Vice President Loan Organization dated XXXX XX/XX/XXXX asking if I would refinance my current VA loan with Lakeview. I called numerous times and never got through. Was on hold for hours. Finally got Through today XXXX XX/XX/XXXX XXXX. Told one gentleman, not XXXX XXXX, what was going on he said the letter was the best interest rate they would do no better and hung up on me. So dismayed about the hang up I called back. I got to talk to another gentleman, explained the situation and I told him because the first guy hung up on me I called another loan company. He got very irritated with me like I wasnt supposed to do that. He kept asking me if I had a loan estimate from the other places I called. I said yes and he got very rude with me. I told him he needed to be nicer and that I have told him three times I had another loan estimate lower than they were offering. Could their company match it or beat it. This guy said no and hung up on me as well! Ive been with this loan company after the initial borrower sold my loan to Lakeview XXXX because the state of Texas said this was who we had to use because it was the only VA loan company we could use. My experience with this company hasnt been as good as some of these reviews. But over the last two years, I have had to deal with this company charging me for property taxes when I was tax exempt as a 100 % XXXX veteran and had to submit my tax free exemption letter from our county twice. We also were having to pay higher mortgage once we finally got the taxes worked out for our house insurance which was lower than what the XXXX insurance was charged. XXXX said they were tired of trying to work out the details so they credited me almost {$400.00} last year. Also today I tracked XXXX XXXX down and his secretary said she emailed him and that he would return my call by the end of the day. Its XXXX XXXX time and no phone call. Lakeview obviously doesnt care about their current home owners! Most humbly I would think a over $ XXXX house would get better treatment since the interest on our home with this company is over {$1700.00} a month but guess I was wrong!!! If anyone would like to talk to me about me experiences with this company and as a 100 % XXXX veteran from XXXX and XXXX my number is XXXX. Dont hesitate to call!!!
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (NV)

US BANK LISTED ACCOUNT DIFFERENTLY WITH XXXX/XXXX. 
XXXX  IS NOT REPORTING CORRECT BALANCE AND LETTER REQUESTING THE STATEMENT TO SHOW THE BALANCE OF WHAT I OWE. I PAID AND SENT A PAYMENT FOR {$200.00} HOWEVER IT DOES NOT REFLECT THE BALANCE. US BANK TRANSFERRED THIS ACCOUNT TO ANOTHER AGENCY AND WILL NOT UPDATE THE 3RD PARTY AGENCY WITH THE CREDIT BUREAUS. THE FURNISHERS LETTER EXPLAINS IN DETAIL TO PROVIDE ME A STATEMENT OF THE AMOUNT/BALANCE I ALLEGEDLY OWE FOR {$4000.00}. I KNOW I DO NOT OWE THAT AMOUNT IF I HAVE SENT PAYMENTS. 



Account number XXXX Account status Closed Date opened XX/XX/2018 2018
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-10-31
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-05
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. (CA)

There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; There are creditors who DID NOT give me a firm offer of credit. Those creditors did not submit information to Transunion, dictating that I have opened a new account. And I have not personally authorized Transuion to provide any person agency or creditor a copy of my consumer report.
Consumer complaint received 2020-08-11
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: WELLS FARGO & COMPANY (TX)

I have requested from XXXX and Wells Fargo to send me a physical validation original signature and they have failed to do so also every dispute I file they changed Dates and the amount ... .there is too many inconsistencies in reporting on my credit by Wells Fargo and XXXX  different amounts owe { NOT ACCURATE } reported Payment in 2015 { NOT ACCURATE to extend date i believe } Several different First reporting dates { NOT ACCURATE } close date { NOT ACCURATE } are all inaccurate ... on my credit report file I believe XXXX has played a big part reporting when they know that there's some inconsistencies and I personally believe that big Banks pay credit bureaus to continue to report negative items on one 's credit in spite of inaccurate info XXXX allows the creditors change dates, amounts and removal dates to fit wellsfargo 's narrative ... I believe they must follow the guidelines of Federal Credit Reporting Act and CFPB..
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: College Loan Corporation (OH)

I noticed on my credit report this student loan was reporting as 90 and 120 days past due in XXXX and XXXX XXXX.I believe this information to be erroneous. I have tried contacting this company and contacting the credit bureaus to no avail. There are several reasons I do not believe the reporting is erroneous : 1. I am attaching a copy of my college transcript which shows me full time enrolled through summer quarter 2012, which would have ended in early XXXX 2012, which would have meant my loans should have been in forbearance. The would have been removed in XXXX so the most the loans could have been in 30 days past due. 
2. I was never given any information from the lender about the loan. I called the lender last night and spoke with XXXX, who was very helpful. He advised that calls were made to phone number ( XXXX ) XXXX. That is not and has never been my phone number. My phone number is area code XXXX. I had XXXX repeat the phone number on file twice. He also advised a correspondence was mailed to XXXX XXXX XXXX That was not the correct address for me at that time either. 
XXXX advised me that during a call to set up payments on the account in XXXX 2012, when my account was current and I was being proactive, I would have supplied the lender with the false phone number and address. That seems illogical for someone that proactively called in a made a payment. I pleaded with him to pull the call and listen to see what occurred. He called me back this evening and stated the call ca n't be reviewed due to retention policies. However, he advised that he has to assume the lender did what they were supposed to do. So if you do n't know who made the error, it has to be the customer? That seems unfair and deceptive. I feel helpless in having this issue resolved. Please help!
Consumer complaint received 2022-10-31
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. (FL)

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 need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/XXXX multiple transactions where made on my account withdrawing money from multiple consumers. I do not sell a products. Some one hacked my account and stole money from many people moved it into my account then immediately withdrew it. 
I have contacted PayPal about this and they know there is a problem with security but they are making me go through multiple layers of people to fix the problem. They have made no attempt to call me, i have asked for a supervisor
Consumer complaint received 2023-05-25
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. 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.