davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XX/XX/2022 I submitted the request through Transunion 's online option to remove the fraud alert. I provided a copy of my driver 's license and a copy of a recent utility bill. I tried accessing my account on XX/XX/2022 and received a suspended message. As of today XX/XX/2022, it has still not be removed. I tried to access my account online and it shows my account has been suspended ; therefore, I do not have access to any of my information. This morning, XX/XX/2022, I called and spoke with XXXX  ( ID # XXXX ), she told me she could not assist with resetting my online account or removing the fraud alert and suggested I speak with the Fraud dept. I was transferred to XXXX, who stated I should be able to do it online. I stressed to her that I can't even access my account right now. She said it shows that I have access to my account and continued to tell me how to do it online. I let her that I can not access my account online and can not make any changes/updates. XXXX insists I should be able to do it myself online. I then demanded the removal of the fraud alert immediately. For starters, the phone number provided in the alert is incorrect. I have no affiliation to the number listed for lenders to call and so that I can begin applying to lenders w/o this being an issue. She said she couldn't remove it and provided an " escalated fraud '' telephone number for me to call XXXX for assistance. This number takes me back to the main line where I received the run around again. 

I've attached a copy of the webpage I see when I attempt to login that the representatives from Transunion claim is not there and the email I received on XX/XX/2022 when I first tried to access my account.
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (OH)

I received a letter in the mail from this company in XX/XX/2022 stating I owe a bill for XXXX {$240.00}. I sent a letter to XXXX XXXX XXXX in XXXX of 2022. I never received any notification back from XXXX XXXX XXXX within 30 days. Today i looked at my credit report and they have reported a balance of {$240.00} but they failed to provide me with any documentation to validate this debt and also failed to reply in a timely manner.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX Tue XXXX I was telephoned by PORTFOLIORECOV XXXX. 

The caller refused to identify the purported creditor, the account, or the amount. I therefore have no way of knowing whether this matter concerns me. It could well be a scam. 

The caller hung up after I refused to continue the conversation in the absence of validating information. 

This was my first contact with this party ; by the FDCPA they must contact my in writing with a Validation Letter within five ( 5 ) days.
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Continued phone calls on personal cell phone and a company issued cell phone. When calling the number I was told it was Portfolio Recovery regarding a " couple '' debts owed. I asked what debts they were I was told a XXXX XXXX account and XXXX account listed under a bankruptcy. I informed them I asked in writing for proof of debt and proof that they owned the debt, approx. 3 years ago, I was told I had to ask for it in writing. I informed them again I did not owe a debt to XXXX XXXX and if I did have a account listed under bankruptcy it was illegal for them to collect. I was then told they did not know what I was talking about, they are not trying to collect on any debt under a bankruptcy, this was all said during the same phone call. Portfolio Recovery was trying to collect on a debt under a bankruptcy until I told them it was illegal. I filled a bankruptcy in 2002, how can this company even have information regarding accounts listed on that bankruptcy. I have been dealing with harassment from this company on and off for over 5 years. How can they be allowed to do this. I ask for validation of this debt in writing over and over. They never send it, then continue to tell me I have to ask for it writing. I do everything I am suppose to do, they do everything they can not legally do, yet I have to put up with the harassment. When will something be done about this company ... ...
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (NC)

XX/XX/XXXX I've deposit {$2700.00} to current while I transfer my money from XXXX  Current has suspended my account while my money was pending on the account today XX/XX/XXXX the deposit went to my suspended closed account which I did not consent so now my money is somewhere and Noone could help me after calling current several times 15 U.S. Code 1693j - Suspension of obligations 31 U.S. Code 3526 - Settlement of accounts 7 U.S. Code 499i - Accounts, records, and memoranda ; duty of licensees to keep ; contents ; suspension of license for violation of duty 4-214. RIGHT OF CHARGE-BACK OR REFUND ; XXXX XXXX XXXX XXXX XXXX RETURN OF ITEM.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The date of service is XX/XX/XXXX and also XX/XX/XXXX XXXX
Consumer complaint received 2022-04-20
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2015-07-05
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

They start calling at XXXX and they do n't stop until XXXX est. they are calling me on XXXX 's now too. This is the number they just called me from on XXXX XXXX ( XXXX ) XXXXXXXXVA, USA
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

They keep harassing my sister and other relatives about my debt and claiming it to be more than they purchased my debt for. constant harassment even after i asked them to stop contacting me i changed my cell phone number plenty of times.
Consumer complaint received 2019-06-24
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: JPMORGAN CHASE & CO. (MN)

Vehicle was financed on XXXX XXXX and last payment was XXXX balance was XXXX. Chase auto never release the Title of the vehicle. I called chase Auto finance division in yearXXXX their answer was last payment was not clear. '' I asked them if they sent any written notice by mail if they did it send that but they never replied back ''
Consumer complaint received 2021-02-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NE)

PHH Mortgage has deliberately withheld payoff amount for the 2nd time, delaying our ability to get out of their high interest loan and refinance with XXXX XXXX! They did this last year, and we complained then as well. At that time they did finally send payoff amount, but delayed until after 90 days so lender had to deny. 

We have all other documents, loan is ready to process again with XXXXXXXX XXXX, but after formal request legally binding PHH to send payoff within XXXX hours, they have delayed and have not yet sent the payoff. 

We need to get out of this 10.8 % interest mortgage. 

Please help us if you can!!
Consumer complaint received 2015-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rausch Sturm LLP (NM)

This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months.
Consumer complaint received 2021-03-11
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2022-07-12
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. (NJ)

In accordance with the fair credit reporting Act. 
XXXX XXXX OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX OPENED XX/XX/XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-09-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MA)

This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
Consumer complaint received 2021-02-19
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: Ability Recovery Services, LLC (FL)

The following accounts appearing on my credit report are fraudulent : XXXX XXXX {$1200.00} XX/XX/2021, XXXX XXXX  {$2000.00} XX/XX/2021, XXXX XXXX {$61.00} XX/XX/2021, ABILITY RECOVERY SERVICE {$1400.00} XX/XX/2021, XXXX XXXX XXXX {$640.00} XX/XX/2021, XXXX XXXX XXXX {$930.00} XX/XX/2021.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I asked XXXX, XXXX and Equifax to reinvestigate to accounts listed below : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX  Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't in compliance with metro 2 credit reporting.
Consumer complaint received 2021-08-26
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. (MD)

There is some sort of redlining going on in reporting my credit score. Or credit bureau reporting companies such as Transunion are using algorithms that discriminate against XXXX. On XX/XX/2021 my credit score dropped 67 points when I paid off one credit card. The score was around XXXX, and then dropped to the 700s. That is absurd. My credit score dropped 45 points on XX/XX/2021 for paying off my XXXX XXXX and XXXX XXXX  credit cards. XXXX XXXX could not explain the discrepancy, and Transunion is not providing any valid reason either. They just want to keep reporting the huge differences expecting me to accept a nonsensical reason for doing this. They don't care to correct it either.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (AL)

This the 2nd time been denied~ a loan. Was denied access to my credit from this bank. Stating that eye ' don't meet basic credit requirements and that they would be unable to extend credit at this time. This is not a determining factor, of me accessing my credit. In this consumer credit transaction. XXXX, am aware, that eye am the Consumer and Original Creditor and can not be denied an extension of my credit. Pursuant to 15 USC 1611. They are criminally liable for giving me false and inaccurate information, willingly and knowingly. Pursuant to 15 USC 1681 ( k ) denying me access to my credit is an adverse action and under the Equal Credit Opportunity Act qualifies as discrimination. 12 CFR Part 1002 Supp. 1 Sec 1002.4 ( a ) 1.
Consumer complaint received 2023-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I am reaching out today to speak out against the Atrocities that BETHPAGE FEDERAL CREDIT UNION has put me through and that no other consumer shall. 

I applied last XXXX ( XXXX ) for a used automobile loan. 

They voided my approved loan of 6.6 % despite me following up with all necessary criteria. 
Try to get me to run my credit again Then say theyll work with first pull and then try to Jack the rate on me despite me already getting approved. 

Ever since then they have been double charging me on automatic payments I requested this to be stopped XXXX so far They do not care. 

They tripled my interest rate after failing to tell me Im receiving title and need to go to XXXX. 

No issue I still paid every time on time They even lost my money for XX/XX/XXXX payment which I made in branch as I do with all payments after this whole double charge fiasco and tried double charging on XX/XX/XXXX. 


I go into branch for XXXX payment the XXXX and it says a late fee is pending for the XXXX. 

I have requested the card not be charged but yet they continuously charge it in attempt to make extra {$25.00} every time I had voiced my concerns and BETHPAGE FEDERAL CREDIT UNION has terminated my account. They sent me a survey on how I feel and I let them know,
Consumer complaint received 2022-04-20
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. (UT)

In accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX as violated my rights..After removing these items from my credit reports and phone calls after phone calls it is starting to take a toll on me and my family to be very stressfulXXXX XXXX AS POSTED THESE NEGATIVE ON ALL THREE CREDIT REPORTS TRANSUNION, XXXX AND XXXX 
15 U.S.C 1681 Section A-States I have right to privacy.

15 U.S.C 1681 Section 2-States It also states a consumer reporting agency can not furnish a account without my written instruction... 
XXXX XXXX amount are XXXX and {$1000.00} sorry i don't have accounts number... 
XXXX XXXX XXXX amount are XXXX AND {$1000.00} XXXX Group amount XXXX XXXX and {$1000.00} With all these going back XXXX forth with XXXX XXXX remove then put it back on my reports is affecting my personal life to very stressfull and not answering my phone to unknown number. Please for the help to have them remove these items from all 3 credit report and Thank you for your time and help.
Consumer complaint received 2023-02-22
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)

About the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Below is the list of the fraudulent items I found on my Credit report and I need you to have these items removed : 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 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 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  Please comply with the Fair Credit reporting Act section 605b, and have the disputed items removed from my Credit File as soon as possible.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. While I was XXXX  that were a lot of unauthorized transactions to my account. Both my checking and savings were affected. Over XXXX XXXX dollars of unauthorized transactions made from my checking account, and over XXXX XXXX dollars of unauthorized transactions made from my savings account. I first reached out to SunTrust Bank on XX/XX/XXXX and made them aware of these unauthorized transactions to my accounts. The Asst. Branch Manager made a report and sent it to the fraud department. I Followed up with my Bank and the fraud department for months and months but no action was done in refunding my funds.