davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC (GA)

Received a letter from RAS XXXX on or about XX/XX/XXXX about XXXX alleged debts from XXXX XXXX. 

Their letter was deceptively dated XX/XX/XXXX and said I had 30 days to dispute, which was already past from the date. 

Whether this was an error, intentionally deceptive or there was a huge delay in the mail is unknown. 

My rights are 30 days from receiving though. 

On XXXX, I received mailers from attorneys stating I had a lawsuit already filed against me. 

I immediately sent my dispute letters via XXXX using Certified Mail w Return Receipt. 

Debt Collector initiated lawsuit with no notice and only an initial communication that was dated wrong. 

Also, the debt is not mine and has now been disputed. Debt Collector should withdraw lawsuit and cease any further collection activities.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent Transunion a dispute letter certified mail on XX/XX/2020 and have yet to receive any information regarding the dispute. The letter was never forwarded back to me and according to the tracking information provided by USPS they did receive my letter.
Consumer complaint received 2021-02-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX  XXXX  on my Equifax report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX  and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX  conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my Equifax inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. EQUIFAX The remainder of these inquires are mine. 

XXXX  : This bureau was contacted as well about the inquires and was told verified XXXX XXXX  XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX  : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX  XXXX  : I've contacted XXXX  XXXX  in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX  XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.
Consumer complaint received 2020-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NC)

I am attempting to close the Estate of my deceased parents. PNC holds at least one account in their names. I have submitted everything legally necessary to validate my authority for both deceased parents. Yet PNC will not release the funds. I initiated this process with them in XXXX of 2020 and have followed up multiple times speaking to multiple PNC associates about this matter. Still no action on their part. 

XX/XX/XXXX : Met with XXXX XXXX ( XXXX ) at PNC to present my information. I have at least 13 e-mail follow ups to XXXX XXXX and others plus multiple phone calls. 

PNC initially asked for additional legal documentation which I have provided. 

Others Spoken with : XXXX XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Ph. XXXX Fax. XXXX XXXX XXXX XXXX, Retail Escalations XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-29
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. (GA)

This is XXXX XXXX submitting yet another CFPB Complaint regarding the removal of the fraudulent accounts and information that the Credit Bureaus report on my Credit File XXXX It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. If the Credit Bureaus choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Once again, I need the Credit Bureaus to remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-09
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: FinCo Services Inc DBA Current (SC)

I have an online banking account ( checking/debit card ), Current, ( debit card issued by XXXX XXXX XXXX XXXX. XX/XX/2020, at approximately XXXX XXXX I woke up and saw a notification on my cell phone from the Current bank app. When I opened the app I found that my account had been emptied, all but {$7.00}. There were seven different charges on my debit card made that day, XX/XX/2020, between the time XXXX XXXX  - XXXX XXXX, all from the same merchant. 

Every charge displayed on the app listed the merchant as " XXXX XXXX XXXX  ". Total amount taken from my checking account was {$670.00}. I immediately contacted my bank to dispute. At that time all seven charges were still in pending status. The Current representative, via online chat in the Current app, stated I'd have to wait until the charges cleared in order for them to dispute the charges. Also stated it could take 30-90 days to get my money back and that a police report was not needed. After leaving the chat I sent the issuing bank an email in an attempt to understand how this could possibly happen ( no response as of XX/XX/2020 ). Later that same morning, I contacted a Current representative who emailed me a dispute form. I completed and immediately returned that same day ( XX/XX/2020 ). Current acknowledged the receipt of the document. 

I XXXX the merchant and it appears to be a bank in XXXX. It seems that any banking institution should have recognized obvious illegitimate activity considering there were seven charges for hundreds of dollars made in a span of 8 minutes from a foreign bank in the middle of the night. 

It has now been a month and I have not once received any communication from any entity that I have reached out to ( Current, XXXX XXXX XXXX, XXXX XXXX, or the bank associated with the fraudulent charges ). Several times over the month I have used the Current chat feature in an attempt to get any form of a status update. Every representative tells me the same thing, to wait and the dispute team will notify me. I've asked why I didn't get the 10 day provisional credit, because I am a single parent of a child with a XXXX XXXX who works full time and {$670.00} to me, are essential funds. This has set so far behind on everything financially. 

My paycheck is direct deposited into this account and I'm terrified of this happening again considering how easily it was allowed to occur. My debit card number was stolen, I can't find out how, I can't find out how a banking institution has such lax security measures, I can't find out when I'm going to get desperately needed funds returned. I'm assuming the bank is going to wait until the very last required minute to refund the money? Is there a mandate detailing requirements to meet regarding the 10-day provisional credit or is that just an option?
Consumer complaint received 2020-08-09
Product: Vehicle loan or lease — Loan
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: FORD MOTOR CREDIT CO. (TX)

I paid off my my lincoln loan on XX/XX/XXXX ... I never received the the title only my refund check. They told me I had never updated my address even though I had in XXXX of XXXX when I moved, and had received my refund check, as well as had mail forwarding set up. Lincoln credit told me the title was mailed back to the Texas DMV ... but they never got it. I filed for a duplicate title which I had to pay for. However, even with sending the pay off letter I was denied twice stating there was still a lien on my vehicle. I have called twice and they say to follow up with my dmv. DMV says to talk to Lincoln Credit.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TrueAccord Corp. (WA)

Dear Sir / Madam I am coming through this complaint to express my indignation at the multiple harassments suffered by different parties, namely XXXX, XXXX XXXX XXXX, and most recently by TrueAccord. 

Last year towards the end with the help of a friend for the first I had access to my credit report. I noticed that there was an item that I did not know ( XXXX ). My friend helped me to contact XXXX in writing and a few weeks later, XXXX  contact me saying they were unable to locate an account with the information that was provided. A few weeks later I started to receive unknown calls. So one day while I was working a lady called me to ask me for my social security to confirm my identity, I refused because it seemed strange to give my personal information to a stranger over the phone. The next day it was another guy and he is the one who will inform me that it was a debt collector agency and that he was acting on behalf of XXXX. I asked him kindly to actually check if I am the person he owes them the debt of {$1400.00}. He said he is looking for XXXX XXXX, I told him that I am not XXXX XXXX. I avoided giving him my personal information because obviously he was not sure of the information in his possession. It seemed like a scam, I told him to stop calling me until he was able to contact me with written evidence that the debt was mine. They persisted and the calls continued. Still with the help of my friend, I wanted to check my credit report and unfortunately XXXX XXXX XXXX appeared clearly in the collections section reporting inaccurate information and they seriously damaged my credit score. 
I contacted the credit bureau again for investigations and on XX/XX/XXXX, a month later, I received a notification that XXXX XXXX XXXX collection had been deleted. I am a truck driver and I do not have enough time to check all these credit and I am less informed. I understand some things with the help of friends. I contacted the credit bureau to get the deletion of the XXXX account by telling them that I am not responsible for this account, the credit bureau told me that if it weren't mine then it is a fraud? I told them that this account is not mine. A few weeks later XXXX contacted me saying the account was verified using an address, a phone number and then two different names XXXX XXXX and XXXX XXXX, names that have nothing to do with my legal name. I was surprised at the verification methods used! Recently, TrueAccord takes over with the same methods, the same practices and the same errors. It becomes embarrassing! 

- All seek XXXX XXXX ; - XXXX was unable to validate the debt ; - XXXX   relies on address, telephone number as well as wrong names ; - TrueAccord does the same things. 

In this complaint I will enclose the two correspondences of XXXX. All of them have been in violation of the Fair Debt Collection Practices Act several times.
Consumer complaint received 2020-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL CAPITAL GROUP (MN)

I recently went through a VIRRL loan on our current mortgage with the Intercontinental Capital Group ( ICG ) out of XXXX NC. Our loan officer was XXXX XXXX and was pleasant throughout the process, but was making promises he did not keep. Aside from being mislead on what to receive back from our current escrow account at closing ( XXXX stated approximately {$3300.00} would be returned to us, we received only {$1400.00} ), and inflated title fees that were more than agreed upon ( we agreed on {$900.00} total, but at closing, the fees were over {$1100.00} ), XXXX assured us that he would have XXXX XXXX XXXX ( XXXX  ) service our loan as the lender after we close. My wife and I had expressed our concern about this issue out of the gate, stating we wanted to go with a VIRRL group that could put our mortgage in the hands of XXXX XXXX or XXXX. XXXX informed us that XXXX XXXX would require us to lock in at a higher percentage rate, but we could use XXXX with the current rate being offered. We had a phone call with XXXX, and he seemed to forget this detail, said our loan was being transferred to XXXX XXXX, and that he would see what he could do about getting it over to The XXXX XXXX. But at this time, he stated he doesn't have much say in this area, after he previously promised us that our mortgage would be serviced by XXXX. We copied his VP, XXXX XXXX on follow up emails to XXXX, but have received no response since. We started this process in XXXX of 2020, and closed on the loan in XXXX. After learning that our mortgage was acquired by XXXX XXXX, our initial research of the company shows that it has very poor reviews. So now we are left in a position that we tried to avoid from the start. We were promised The XXXX XXXX, and we were placed with a poorly rated mortgage company that we never heard of until we found out they acquired our loan. We are very disappointed with being mislead on several issues, the most important being the mortgage company that would acquire our loan. Had we known this, we would never have proceeded ahead with ICG for our VIRRL needs. I believe ICG should be held accountable for making promises that they never intended on keeping. Now that their business is concluded on their end, they have shown no desire to reach out to us or email us back to address our concerns. I am a proud XXXX XXXX veteran that is ashamed of being mislead and taken advantage of by a company that supposedly has authority to manage VA and VIRRL loans. Their best interest is in their bottom line, and when the closing is final, it is quite apparent. I would urge all of my fellow veterans to stay clear of ICG. If your company is going to support lying and misleading clients to close a deal, in my opinion you should have no right to be a VA loan lender.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc. (GA)

I authorized this company to take a payment off of my debit card on Saturday, XXXX, XXXX, 2023 in the amount of {$140.00}. This amount came out of my account that same day. They then proceeded to send me an email and text message telling me my payment failed when they took the money out of my account. The phone numbers they have listed do not work and you can not speak to anyone. Ive tried to email them and they have refused to respond. The company preceded to send me and my mother messages threatening to send us to court for the money they already received from me. My mother went online to process the same payment that they took from me and they charged her double which was {$290.00}. They credited her double payment but never credited my payment that came from my account.
Consumer complaint received 2022-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/2022 unwanted hard inquiries. 
I only had XXXX and XXXX XXXX no others I dont recommend these companies ever to invest or their support to be on my Team or contact at any time in the future # 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. Many other to list
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score.  Collection company is using Trans union as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Trans union is not doing their do diligence, as they would have known this was part of a litigation.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX