davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
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)

This is my second time asking these XXXX XXXX XXXX to remove these collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that have been falsely reported on my credit reports. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

In accordance with the Fair Credit Reporting Act the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Consumer complaint received 2023-05-13
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: Block, Inc. (IL)

Unauthorized payments from XXXX also i had to put security lock to keep cash App from debiting.my account without Authorizations. I am not the only customer. That has this problem from this prepaid debit card. There is other customers. I haven not gave access to Cash App to pay my bills for me this is fraud. none of those bills are on autopay. XXXX credit reporting is A constant abuser of cash App I have canceled my account numerous times but I still can not access my credit without paying cash App {$24.00} now since I have to lock my card constantly which is frustrating. 
Also this is the company that one CEO XXXX the other I think there is some fraudulent activity...
Consumer complaint received 2021-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (NJ)

I opened a Home Equity Line of Credit with USBank in 2019. At the time, I was pleased with the process of opening the account as USBank told me that I would be charged a low interest rate and that there would be no costs at closing and no costs to terminate the account. 

Fast forward a few years, I am currently moving and have to close my HELOC to close on my property. I called USBank to pay off my balance and close the account. At that time, they told me I would subject to a {$500.00} closing fee. As soon as I heard that, I disputed this fact while they told me it was in my contract. I informed them that I led to believe this would not be the case. I asked them to pull the transcript of the call from 2019 to confirm what I had in my notes from the original opening call. After XXXX calls with USBank, they refused to honor my request and told me that I was not able to receive any further information regarding the sales process or their sales tactics. I am at a loss and am heartbroken that such a large institution would be so brazen with their deception and double talk
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I wanted to use Coinbase as a bitcoin wallet. I then wanted to use XXXX.XXXX as a way of sending the transaction records to my accounting software, which is XXXX, XXXX an open source piece of software ). Currently, the Coinbase website is prohibiting me from doing this by blocking the sequence of steps by which I would connect the software using the XXXX XXXX. I sent an email to the customer service department of Coinbase describing my complaint and after several hours, they did not reply. I believe that they intend to deny me the ability to get my bitcoin transactions that way because they perceive that the " deal '' is " too good '' in my favor.
Consumer complaint received 2017-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

Only HALF of the amount I paid to Sallie Mae through my OnlIne Bill Payment Service through my bank was actually credited to my loan. Prior to this incident, I had no problem with the FULL amount of my payment being credited to my loan. 

XX/XX/XXXX - {$25.00} paid and deducted from my checking account, only {$12.00} credited to my loan XX/XX/XXXX - {$37.00} paid and deducted from my checking account, only {$18.00} credited to my loan
Consumer complaint received 2021-12-14
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: CNG FINANCIAL CORPORATION (TX)

This credit inquiry was not authorized to run my credit. It is a crime to run someones credit without permission. I am trying to purchase a home and this inquiry needs to be removed immediately as I have not run my credit for 4 months. It is not mine. 

Thank you
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything.
Consumer complaint received 2023-10-16
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

I tried to cancel a month to month membership with XXXX. I called the XXXX NJ location in XXXX where I purchased the membership for my grandson for XXXX. I was told I couldnt cancel it there because at the time there was no head manager. I cant remember his exact title. I was told I could go to another location but the closest one is a half hour away. I called their customer service number and they told me I would have to print out a form ( I dont have a printer ) and mail it to them. At that point I reported my Venmo credit card lost in order to get a new card number believing this would stop the charges. On XX/XX/XXXX I saw a pending charge for {$47.00} from XXXX. I called Venmo and told them I have a new credit card so how could I get charged when XXXX  doesnt have the number. I was told because it had been a recurring charge I still had to pay it unless the merchant stopped charging my card. I told them this was a month to month charge and I tried to cancel with the merchant. The Venmo supervisor kept calling it a subscription and I kept correcting him explaining it is a month to month payment, the merchant has no paperwork authorizing this payment for a specified time period and they had no right charging a card that the merchant was never authorized to use. They told me basically too bad and I would have to keep paying and disputing the charges until the merchant stopped charging my card. They also informed me that I may not win the dispute. I realize that the credit card company gets a percentage of every charge so they have a financial interest in continuing to process these charges. I feel this is a fraudulent practice and payments should be stopped if the merchant doesnt have the new card number. This practice should be illegal for credit card issuers or they should have to stop the payment once they are notified by the customer.
Consumer complaint received 2024-03-10
Product: Credit reporting 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)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you updated these accounts and the items are being reported correctly? Who verified these accounts? 
As directed, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MS)

We are in an active bankruptcy with the full knowledge of SLS. They continuously take late fees out of my monthly payment. This causes the payment to go into suspension. 
We have a new mortgage servicer which is XXXX. SLS transferred these charges to our new account. 
There is {$800.00} that needs to be credited in late fees as a servicer can't charge fees in bankruptcy and surely can't short your mortgage payment as a result.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IL)

PHH Mortgage acquired my mortgage from XXXX Mortgage XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the PHH mortgage escalation department via email that showed a payment each month to PHH from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my XXXX mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed PHH of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by PHH mortgage and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at PHH and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and PHH would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXXPHH who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
Consumer complaint received 2021-12-14
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)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX XXXX my identity theft affidavit. I have never authorized or gave express written consent to any 3rd affiliate XXXX to furnish my data with the following companies, please be aware, no consent is identity theft : 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 2023-02-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a certified letter asking Experian, XXXX, and XXXX to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated. 

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, Experience, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.
Consumer complaint received 2022-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

Wakefield and Associates at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$880.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-11-23
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. (NV)

I am a victim of identity theft I have contacted credit bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that the item came back validated even though the information is not correct.
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RSH & Associates, LLC (KS)

Somehow this company has obtained my work phone number. A co-worker came by my desk to ask me if I was XXXX ( maiden name ), since she knows me by my married name. I said well yeah, but that has n't been my name in over 5 years, she then said oh ok well there is a XXXX XXXX asking for you on hold I picked up the phone and this man immediately began to yell at me about an outstanding medical bills. I have no outstanding medical bills. I kept trying to interject to ask him to please not call me at work and he continued to talk over me and yell, refusing to let me get a word in edgewise. Completely rude and unprofessional. If indeed I owed anything, NOT the way to do business and certainly not any way to get anyone to willingly cooperate with you.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (NC)

National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report.
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.
Consumer complaint received 2022-05-25
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)

FCRA violations : accounts not mine XXXX XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $ FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX FM XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX  XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$7400.00} written off. 
XXXX XXXX XXXX XXXX XXXXotentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open.