davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this letter may concern, I am reaching out about my dispute and validation letter request, I have filed back in the early-part of XX/XX/2023 to all three Credit bureaus ( XXXX, XXXX, XXXX Transunion ) I have spoken to each representative of all three credit bureaus in regard about my disputes and validation letter stating a requesting for proof of validation and given 30 for the investigation from the original debt creditor. I have experienced the response from all three credit bureaus.The first was from Transunion. The Transuion associate ( s ) lied to and stated they have not seen letter, then it was stated that they received a letter from a third-party. I verified the letter to them and spoke about when I sent it out and the Fair Credit Lending Act. I also sent out the information of there form of a dispute form over the inaccurate credit account found. I was given mixed information from both the associate and supervisor. They later verified the letter ( s ) that where sent out and want to me re-submit another dispute on the phone/email. There was not result resolution to this issue and I would like for it be taken Care for me please. I have experience similar experience with the other two as well. all I have received from them is that my information is still " pending '' on their investigation timeframe. I had sure to give additional time on the matter, still failed to verify back this information I am request and I would like for taken care effective immediately.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Revenue Corporation (TX)

I do not owe UNITED REVENUE CORP this debt, they have no debt validation for this debt. I have no contract with UNITED REVENUE CORP. Also UNITED REVENUE CORP is in violation of my HIPPA rights. I never authorized UNITED REVENUE CORP to hold my medical records. XXXX  is also in violation of my HIPPA rights posting medical debts on my credit report.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (IL)

I had my account compromised and I had identity theft and now my account is restricted and my pension is supposed to be deposited and they are closing my accounts and they will not let me. Get my money out of my bank account and they have no date when they are closing my account that means I can not pay my bills or buy food I will be homeless on the streets or food to eat I am a XXXX  and that is not fair to XXXX there should be some way we can get into the account to get or money
Consumer complaint received 2023-05-25
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX BalanceOwed : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXX Owed : {$660.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi, I have a collection with the name of XXXX XXXX XXXX that I am not aware of giving them any information. Can you please investigate and also send break down of this payment.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/2019 I had a hard inquiry by XXXX XXXX, Fl XXXX National Credit Cards Airlines I never asked, signed up or gave permission for them to do a credit check. I live XXXX, Indiana. I have never heard of them. It stays on my report for two years. I looked into the company and several people commented that they only got a run around and received help through you. I would appreciate your help in getting that hard inquiry removed from my report.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

I blew the engine on my XXXX XXXX back in XXXX of this year. When I called XXXX for tow I was told my card on file did not allow them to auto-renew membership - debit card was replaced so they only had the old card on file. Rep I spoke with said best he could do given the fact that it was after hours was to sign me up for basic membership which allowed 7 mike tow. I had the car towed from XXXX to my office in XXXX and called the next morning to speak with a supervisor. I was told by the supervisor that seasoning period is 3 months on account until account can be upgraded to the 100 mile tow but that given the circumstances, she would only require one week seasoning period.

Car sat parked at my office for a full week and was towed immediately after 55 miles to XXXX XXXX. Two weeks later I receive a bill for {$250.00} from XXXX for the tow. Called and spoke with a supervisor and they admitted the error and said it would be rectified. 3 months later I get a letter from a collection company stating I had been now sent to collections. I called the collection company and let them know it was in dispute then called and spoke with XXXX supervisor again. I was told by supervisor that they would look into this and give me a call back. 

Never heard back from anyone and today the collections account hit my credit. I keep getting the run around from XXXX and am now being forced to pay heavily for their errors.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You are reporting a collection account that I am unfamiliar with, and I believe that an investigation has not been done because this account is still reporting on my credit report. I do not have an obligation to pay XXXX XXXX anything. The original creditor is XXXX XXXX and the balance I have with them is not what I have record of so I am confused as to why this collection agency is reporting anything to the credit reporting agencies. It is the responsibility of the credit bureaus to make sure that all data furnished is correct and in compliance and they have failed to do so. I am demanding that this account is investigated and removed from my credit report if you are not able to validate this account. I will attach the agreement that was sent to me. There is no mention of having this account sold to a collection agency, and there is no balance referencing what is being reported on my credit report.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of identity theft and I made my bank card aware of this capital one I had a card that wasnt even active and they allowed to charge to go on that card and I never even had a card in my possession. I didnt get a card from capital one until after the purchase and I showed them proof on my XXXX XXXX account that Ive already paid for this XXXX  ticket on my XXXX XXXX but they said that since I took too long proving that it was not my charge that theyre not gon na take it off my account and then I have to pay for it anyway. I didnt take too long because I sent them exactly what they ask for I replied to their email.
Consumer complaint received 2019-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (AZ)

I cosigned with my daughter-in-law for a car loan through XXXX XXXX XXXX in Arizona in the summer of XXXX. My now my ex-daughter-in-law will not take financial responsibility or even sign off on a voluntary transfer ( although I know her work address in Michigan where a process server could find her ). XXXX XXXX XXXX   informed me that abandonment could be completed to accomplish removing the vehicle from my debt, so I requested to process an abandonment on XX/XX/XXXX. At that time, I reminded XXXX XXXX XXXX that I had already updated the vehicle location with them when I dropped the vehicle off in mid-XXXX at the dealership in XXXX where it was originally purchased. The dealership provided me the courtesy of dropping the car off there, since I explained to them that I was selling my Arizona home in two days and was leaving the state. The dealership is located in XXXX, AZ. 

I am looking for a document to prove that I have surrendered and or abandoned the XXXX, but when I called XXXX XXXX XXXX today ( XXXX ), they told me that they do not know the whereabouts of the car and the case is closed! 

XXXX XXXX XXXX provided me with the vendors number ( XXXX XXXX XXXX at XXXX ) to pick up the vehicle, but XXXX XXXX said that the vehicle was not at the address, and they received a cancellation order. 

XXXX XXXX XXXX denies knowledge of the whereabouts of the car, although the Hyundai dealership informed the XXXX Police that a repossession tow occurred. 

The Town of XXXX Police Report is XXXX and the officer in charge can be reached at XXXX. I am also making a report to the AZ Attorney General, because failure of XXXX XXXX XXXX to protect their collateral once informed of the vehicle 's location at the dealership has resulted in a misplaced vehicle. I am unsure if the vehicle is lost due to error fraud, but a misplaced car could be used in criminal activity, especially as close as Arizona is to XXXX. 

I understood I would receive a XXXX for cancellation of debt income in the full amount of the unpaid loan, but now that the car is lost, XXXX XXXX XXXX has lost the opportunity to sell the car at auction to remedy their ability to collect on the loan which affects consumer finance. 

Thank you!
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (NJ)

Elan Financial Services began servicing a current Fidelity credit card that I own. During the transition, Elan turned off my automatic payment status which was in place with Fidelity. Because of that, my payment was not processed for one month. Elan failed to notify me of this either by phone, email or mail and my status became 30 days late. Elan acknowledged that they erroneously turned off my auto pay and agreed to remove my 30-day late status with the XXXX credit reporting agencies, XXXX, XXXX and XXXX. I have called Elan repeatedly and have asked that they update my status from late to current with the credit reporting agencies and they have not yet done so. I have asked for a letter confirming the removal of the late status so that I can remove this " late '' status from the XXXX reporting agencies myself and they have refused to provide one. I have tried to dispute my negative status with the XXXX agencies but Elan has yet to update my status from " late '' to " current, '' therefore my late status will continue to be reported as such. Unless Elan update my status from late to current with the XXXX reporting agencies, my negative status will remain in place. This error had caused me to be declined for credit cards and banking institutions.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Loan Corporation (NY)

Loans XXXX XXXX  ( {$72000.00} ) and XXXX XXXX  ( {$36000.00} ) state origination in XXXX. I did not have any loans originating in the year XXXX and assume that these refer to loans originating between XXXX and XXXX. The issue here is that the loan term I recall provided discharge after 20 years on these loans. I am currently being asked to continue payment on these loans for another 10+ years. No MPN ( master promissory note ) is available to review on these loans.
Consumer complaint received 2019-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I am receiving multiple, up to six times a day calls from a restricted number that is XXXX XXXX XXXX XXXX calling bout my past due credit card. I have asked them to stop calling considering they have called as early as XXXX, and the lady I just spoke to told me she is doing nothing wrong or against the law. I work in XXXX  and am well aware of the laws, and considering the times, restricted number, and the fact they refuse to stop calling me is all violations of debt collection practices by federal law. This debt is no so far past due it has been sent to collection agency. Just XXXX credit card collection department violating my rights as a consumer.
Consumer complaint received 2023-03-15
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)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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.
Consumer complaint received 2019-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

Ocwen ( mortgage company ) - They neglected to pay the property tax that was escrowed which made me get a foreclosure notice from the City of XXXX for not paying property tax. The property tax was 2 separate times for around {$70.00}. Since Ocwen didn't make the payment the fine including property tax made the total come to {$630.00}. So I paid the {$630.00}. I then told Ocwen that I had to pay the amount. Ocwen then decided to paid an additional {$630.00} after Ocwen knew I made the payment. City of XXXX decided to send the {$630.00} that I paid to City of XXXX to Ocwen ( mortgage ). I told Ocwen they needed to return to me the {$630.00} and also since they caused the late fees that Ocwen should pay for it. They have refused to give me the money that I paid to City of XXXX. I never sent the {$630.00} to Ocwen. Ocwen refuses to refund the fees and penalities that they have cause me. I did not allow them to keep the {$630.00}. The payment was made to City of XXXX. Please get me back the {$630.00} that Ocwen stole from and also have them pay the late fees and penalities that were forced on me. The dates that I submitted the payment was in XX/XX/2018 and have repeatedly called them.
Consumer complaint received 2019-01-25
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. (CA)

XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

I HAVE A WALMARKT CREDIT CARD I RECENTLY HAVE GONE THRUOUGH FINIACIAL HARDSHIP AND HAVE MISSED A FEW PAYMENTS. IT WAS CLOSED ON XX/XX/2014 XX/XX/2014
Consumer complaint received 2023-05-12
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. (LA)

In accordance with the Fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-06-13
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)

To whom it may concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX  ( HR12 ) - ( BS-7 ) XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX XXXX ( HR12 ) - ( BS-7 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( HR12 ) - ( BS-7 ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXXXXXX XXXX  XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXXXXXX XXXX  ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXXXXXX XXXX ( HR-12 ) - ( HR-8 ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( HR-12 ) - ( HR-8 ) XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I had made a payment online on My Bestbuy Citibank card on XX/XX/XXXX in the amount of XXXX. I checked online my balance on XX/XX/XXXX an noticed that my current balance was {$4100.00} and my available balance was {$800.00}. My credit limit is {$9300.00}. 
I called Citibank card and the supervisor was so rude and he said that my bank was holding payment. I told him he was lying because the payment was posted on my account on XX/XX/2022 They have denied a transaction, which is embarrassed. 
I have proof of the transaction showing the payment was posted on my bank account and the email I had received from the other company that my transaction from XXXX was declined.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Spouse and I both work for XXXX XXXX XXXX. We both have direct deposit established to separate checking accounts with Wells Fargo. XX/XX/2023, Pay day for us, BOTH deposit were missing. We obtained the transaction ID from our payroll to Wells Fargo. Wells Fargo would not allow credits or any solution except to wait. No explanation, no eta. Our deposits were frozen for 3 days. 
This happened to many getting paid by XXXX XXXX XXXX to Wells Fargo accounts.