davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
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. (NJ)

I had a credit card with XXXX Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made XXXX bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted XXXX bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted XXXX after reviewing my credit reports I noticed two things about how it was reporting. One, the balance was paid in full for less than the total amount. I never agreed to this. Two the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, XXXX refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TX)

On XX/XX/XXXX I got an Email from AD ASTRA RECOVERY SERVICES saying that I owe them {$2400.00}. They said that they tried to get a hold of me on XX/XX/XXXX about this, but I never recieved a letter or a phone call. They wrote in the letter that to make this go away I need to either pay {$530.00} in full today or I need to do {$800.00} installment payments. They said I need to respond today or they will take legal action against me.that they will have a judge call my employer to doc my pay, ( I am a XXXX ) they will have the police show up at my home within 7-10 business days and serve me a summons if I don't pay today, they will sue me, and they will destroy my name and social. There was no number to call, I don't ever give a debt collector permission to use my email as a form of contacting me. They either call or send a letter. I don't know where the original debt came from. I did write a letter requesting all forms of proof of the debt through a letter. All my medical bills are paid, and all loans are caught up on. I have no idea what this is about.
Consumer complaint received 2019-12-30
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: General Motors Financial Company, Inc. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022 at XXXX pm. I went to try to deposit {$620.00} at Navy Federal Credit Union in XXXX XXXX Georgia. I was trying to deposit it on a XXXX XXXX. Navy Federal Credit Union ATM went along with the procedure and took my money at the end of the transaction it said couldn't be deposit returning your funds but the funds was never refunded the machine malfunction and it kept my funds. I contact XXXX XXXX about 3 to 4 times they said that was nothing they could do got to contact XXXX. XXXX telling me to contact me with XXXX so basically I'm stuck without my funds. XXXX XXXX is aware of the problem but won't contact me back and I'm not a member of XXXX XXXX
Consumer complaint received 2020-06-10
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. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.
Consumer complaint received 2022-10-05
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. (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.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (AZ)

We have brought our account current after a few months of late due to loss of employment and then a XXXX diagnosis. the account has not been updated with the bureaus since XX/XX/XXXX. We were told they began using a new computer system and that is the reason for delay. The information on my husbands account does not reflect the same as my account on the bureaus. After speaking with the escalation team XXXX ( manager ) in XX/XX/XXXX, he confirmed the account was in fact reported incorrectly and that they would need 30 days to update. It has been 180 Days since any reporting to the bureaus.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am an authorized user on a XXXX XXXX XXXX XXXX XXXX, the account information only shows on my XXXX credit profile. The Primary account holder, did contact XXXX 's regarding the issue and XXXX XXXX claimed it was reported every month to all 3 credit reporting agencies, we spent hours with XXXX XXXX and XXXX   on the phone trying to solve the problem, nothing has been done.
Consumer complaint received 2022-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my XXXX XXXX is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2022-01-23
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/XXXX The AFFIANT was credited {$11000.00} via " XXXX XXXXXXXX XXXX XXXX. XXXX XXXX '' to attend College. In XXXX of XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' initiated phone calls and e-mails demanding that the AFFIANT and his Mother were in debt to the Company due to alleged credits that they had leant to them on XX/XX/XXXX. The AFFIANT and his Mother being unaware of their Lawful protected rights via Constitution, Fair Debt Collection Practices Act ( FDCPA ), The Stamp Duties Act of 1862, HJR-192, etc. started paying the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' and by XXXX of XXXX the {$11000.00} that was credited to the AFFIANT through " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' a different Corporation had turned into a {$25000.00} invalid debt via interest that the defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' falsely added. 

Due to economic hardship, the AFFIANT sent the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' a Validation letter via Certified mail on XX/XX/XXXX in pursue of competent evidence that he is legally obligated to pay the Company via Fair Credit Reporting Act, 15 USC, 1681 et. seq. On XX/XX/XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' sent the AFFIANT a fraudulent contract from " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' as their alleged competent evidence of contract. The illegal contract and previous stated tactics and accumulated evidence used by the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' violates : -15 USC, 1692b ( 5 ) -15 USC, 1692f ( 8 ) -15 USC, 1692e ( 7 ) -15 USC, 1692d ( 1 ) -15 USC, 1692a -15 USC, 1692d All above mentioned violations have been accounted and sent to " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING, Commissioner of USA Internal Revenue Service ( IRS ), and NAVIENT CORPORATION '' via Affidavit of Truth via Certified Mail following attached invoice of damages done to the AFFIANT and his Mother on XX/XX/XXXX coming to a total of {$69000.00}.
Consumer complaint received 2023-01-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (PA)

Explained to the company someone did a XXXX XXXX XXXX  which a police report was made and they told me they would take care of it and never did. XXXX In the repossession department told me XXXXXXXX XXXX has full coverage but never adjusted the claim or refunded me for the last over paid loan on the XXXX XXXX
Consumer complaint received 2022-10-05
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

The following accounts are a result of identity theft and the person that committed the theft is now deceased which is how I found out about the theft. A cousin with the same first and last name that I was trying to help with XXXX XXXX   issues stole and used my social security number and made several visits assuming my identity. I have filed a complaint and had my report pulled as soon as this was disclosed to me however according to the police department I have no further recourse since the thief is deceased. 

I am asking for the above mentioned to be considered for the following accounts. CAPIO PARTNERS LLC XXXX {$930.00}, CAPIO PARTNERS LLC XXXX {$77.00}.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

On XX/XX/XXXX I refinanced my primary residence. This transaction paid off the existing mortgage with Ditech in the amount of {$120.00}, XXXX [ document available but not included due to personal content ]. At the time of this transaction there was {$4500.00} in escrow with Ditech. On XX/XX/XXXX at closing the new mortgage company paid XXXX property taxes in full {$4000.00}. 

XX/XX/XXXX XXXX XXXX XXXX XXXX received a payment for full taxes by Ditech. 

XX/XX/XXXX I received a check for XXXX from Ditech as the balance of escrow [ document included ]. 

XX/XX/XXXX I called Ditech and talked with XXXX. XXXX stated that the reimbursement was already in process and would be complete on XX/XX/XXXX. 

XX/XX/XXXX I called Ditech to see if the action had been completed and was told XXXX was the scheduled date. 

XX/XX/XXXX I called XXXX XXXX who reported that the reimbursement was made on the XXXX. Printed copy of XXXX XXXX Tax Statement indicates two payments were received one on XX/XX/XXXX and one on XX/XX/XXXX. It also shows one reimbursement on XX/XX/XXXX. This is included in the documentation. 

XX/XX/XXXX I received documents saying my load had been paid in full with Ditech. Cover letter included in documents. 

XX/XX/XXXX I received original loan documents from Ditech. Cover letter included in documents. 

XX/XX/XXXX received tax document FORM 1098 dated XX/XX/XXXX with Taxes Paid {$4000.00} document included. 
XX/XX/XXXX I called Ditech only to be told it would be 10-20 days before I would see my check. 

XX/XX/XXXX I called Ditech twice only to be hung up on. 

XX/XX/XXXX I called Ditech there is no record of my account. 

XX/XX/XXXX I contacted our mortgage broker explained the situation and asked for assistance and advice. He explained Ditech had been sold to XXXX and to call the new company. 

XX/XX/XXXX I called Ditech where I spoke to manager XXXX who was going to investigate this situation and call me back. I told him that I would wait on hold and he told me no he would call me back. 

XX/XX/XXXX I called Ditech their phone was disconnected. 

XX/XX/XXXX, XXXX, XXXX, and XXXX I called XXXX. XXXX is an umbrella company for three mortgage companies and you can not proceed through the phone tree without a NewRes account number. Personal contact is not available. 

XX/XX/XXXX I contacted XXXX XXXX, Real Estate Attorney. XXXX said this is really unusual and I needed to file a complaint through the Consumer Finance Board and he could not help me.
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

The United States Bankruptcy XXXX failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Two weeks ago I called my mortgage company asking if they can waived my late fee ( for the month of XX/XX/2020 ) as my husband was on furloughed from his job since XX/XX/2020 due to COVID-19 and now was laid-off from work ; I was only delayed for few days of my payment not that I wasn't paying the required mortgage ; today ( XX/XX/2020 ), I received a letter from the company that my request has been denied ; it has been mandated by law to give consideration for those that has been affected by this health pandemic but this company seems has no mercy or consideration with their clients and for this I am filing this complaint ;
Consumer complaint received 2019-12-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

Note : I had this bill paid down to {$400.00} dollars. I have been out of work off and on for two years now job terminated and others jobs terminated as I am in court over my job. Anyhow fees have been added even though I have not been working and I am on XXXX XXXX assistance ( I have even been homeless ). I tried to talk to this company in the past and they are not reasonable about this bill. They are reporting it to my credit report which has hurt my scores tremendously. The company has not presented the paperwork showing the total of the bill and how it is calculated on their end. Please help me resolve this matter. 

{$820.00} Reported balance Original balance {$820.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX SPEEDYCASH COM XXXX TN
Consumer complaint received 2022-10-05
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. (FL)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
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. (GA)

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company 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
Consumer complaint received 2020-06-10
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: Experian Information Solutions Inc. (GA)

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company 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  XXXXXXXXXXXX  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 XXXXXXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-12-31
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. (PA)

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-12-30
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. (MO)

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX  {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXX  XXXX XXXX {$400.00} 5 ) XXXX XXXX XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Consumer complaint received 2023-06-28
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 they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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.