davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX, XXXX, XXXX XXXX  XXXX account number XXXX,, XXXX XXXX company account number XXXX have not supplied proof under the doctrine of ESTOPPEL by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the debt, nor therefore any such defect, therefore exist.
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (DC)

Over 12 years ago, I had a checking account with Wachovia Bank. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over XXXX XXXX XXXX.  I, finally, stopped my check from being deposited to Wachovia. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened XXXX XXXX XXXX XXXX for {$2200.00} I had talked many times with Wachovia over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took XXXX XXXXXXXX in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DFC Global Corp. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the  aforementioned permissible XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AR)

I put my home in a bankruptcy in XX/XX/XXXX. The bankruptcy was dismissed and the property was foreclosed on. It was sold to another lender who is reporting the property as being foreclosed on in late XX/XX/XXXX. It is affecting my ability to obtain credit and pursue the possibility of owning a home again. I have not been contacted by the new company that foreclosed. It is still also showing a past due balance of XXXX which is inaccurate if the property has been foreclosed on.
Consumer complaint received 2019-07-25
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: Santander Consumer USA Holdings Inc. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2018-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (MD)

I had filled a resent complaint against Bridgecrest and you can look it up since than I have had nothing but trouble getting documentation form them stating where I signed stating that when they bought my defective vehicle back from me I wasn't entitled to any of my payments back for not selling myself defective car they did. If it isn't written down I'm owed that money back XXXX XXXX
Consumer complaint received 2020-02-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I was offered a " line of credit '' of {$1200.00} and there were ZERO  explanations in laymen 's terms how they figured their interest. As in, I had no clue what my monthly payments would be & I HAD to give them my bank account to take ACH payments from every month. I understood that this was a high dollar loan, I wanted an installment loan, but for whatever reason, they're doing this credit line in my state ( MO ). My first payment came out of my account & it was {$250.00}, in which {$120.00} was now available for me to " draw '' from. I did NOT do this & figured my next months payment ( this month ) would be about the same if not a bit less since I didn't utilize the credit. However, this month, they are going to take out {$410.00}!!! This is above & beyond predatory lending! I looked at my statement & my balance is UP {$200.00} instead of showing that I made a payment at all! At this rate, my bill will constantly go higher & higher every month. This was never mentioned & if it was, they sure made it extremely complicated to understand. 

This is unethical & obviously they had their license to offer installment loans revoked in MO, hence this new scam.
Consumer complaint received 2022-01-12
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)

There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several
Consumer complaint received 2021-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Chase has options on to report problem and dispute that does not work. They keep reverse charges of dispute when I dispute charges from XXXX XXXX XXXX  because I do not wish continue services because I was mistreated in the Dental by the Office Supervisor Referrence Number XXXX {$750.00} and {$270.00} while in in dental chair and process of treatment I ask to leave the dental chair to make an payment like it could not be upon completion. I request another dispute for pillows that was purchase supposed XXXX XXXX and I wash it two weeks ago and it still not dry and moldy smelling and while filing the claim I ask about and husband and if he was in the Military what that have anything with filing claim and why do the customer services answer the phone question you about the dispute and know they can not help and making me to continued to repeat myself. XXXX Referrence Number XXXX
Consumer complaint received 2019-07-25
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)

XXXX and Transunion are incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.
Consumer complaint received 2022-10-06
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX Balance : - ; Bankruptcy : XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted a disputed in XXXX and never received any results. Then after more than 30 days I ask for the results and received a results and I ask for a method of verification on those disputes. Im not getting nowhere on these difficult times withTransUnion.
Consumer complaint received 2019-07-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP (AZ)

We are in the process of selling our home to XXXX, the escrow company XXXX   has contacted Selene Finance for a payoff statement on XX/XX/2019, they were advised it would take 24 to 48 hours to " get into the system '' and 5 to 7 days to issue payoff statement. We contacted Selene Finance on Monday, XX/XX/2019  to check on status of payoff statement, they stated it had been sent out to check with the title company, we contacted XXXX XXXX at XXXX to see if she received payoff statement, she had not. XXXX XXXX contacted them once again on Tuesday, XX/XX/2019 for a payoff statement and spoke with a manager XXXX, they were to place a rush on the payoff request. As of today, XX/XX/2019 XXXX has not received the payoff statement. 

We also requested a payoff statement on XXXX XXXX, 2019, and we are waiting for the payoff statement as well. The closing date has been postponed twice due to Selene Finance not providing a payoff statement.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (CA)

Im 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 a right to privacy.

15 u.s.c. 1681 section 604 A section 2 also, states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXXXXXX BOA XXXX XXXX To whom this may concern I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows aloan inquiry that I did not authorize. 
I writing to dispute the following inquiry and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-07-25
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and Bureaus couldn't provide me a copy of verifiable proof, you must remove the accounts listed : XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) -- all same account name, original creditor name, but different trade lines on my credit report.. XXXX XXXX  XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (CA)

Dear Sirs : I noticed an account on my credit from a company called Tek- Collect/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the fraudulent entry remains on my credit. They have yet to contact me and or remove the unknown fraudulent entry. 

Furthermore, according to my credit report the account states the debt is for XXXX XXXX treatments .... I don't have XXXX/XXXX and no such treatments were ever rendered to me in this regard. If I would have been contacted by this institution in the begining I could have conveyed to him/her they had the wrong person. When in contrast- they placed the debt on my credit without my knowledge. I just so happened to see it on my credit reports. 

This is also defamation of character and slander. I do plan to take the matter to court immediately .... if it is not resolved in the next 10 business days.
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

This was a credit card originally opened with XXXX XXXX XXXX in XXXX. The card came in another name XXXX XXXX XXXX XXXX XXXX XXXX I got sick and was not able to pay as agreed in XXXX and was not able to pay as agreed ; Tried to talk with someone to set up another payment program. The person was rude and did not want to work with me. 

If I missed a payment ; would get angry with me and start the process all over again because of one payment missed as agreed. Collector 's tactics are very rude and aggressive. 
The account has been sold or transferred to Midland Credit Management and this Company is very hard to deal with. Actually the collection should have dropped off my credit bureau file ; but they sold it and started the process over again. From XXXX to XXXX is seven years ; so it should not be showing up on my credit bureau file.
Consumer complaint received 2019-10-01
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. (HI)

Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX  XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact
Consumer complaint received 2019-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I've been trying since XX/XX/19 to remove my previous checking account from my PayPal account. Their system repeatedly told me that it couldn't be removed since there was pending transactions against the account. I confirmed there wasn't as nothing had been pulled against that account in months but had pulled against my credit card. 

On Monday XX/XX/19, I paid for something online using my PayPal account and when asked for the funding source I chose my credit card. For some reason, PayPal charged this against my checking account ( which is being closed in 5-days ). That bank has paid the {$1.00} charge and given me a {$20.00} NSF fee. 

I contacted PayPal today XX/XX/19 and spoke to two very incompetent representatives. The first told me that I could not remove the checking account because there was a pending payment against it. When I told him the payment already cleared my bank, he had me navigate to a setting showing automatic payment authorizations to this payer and when I confirmed my screen said it was to fund from my credit card, he told me to cancel all future payments. Frustrated, I asked for a supervisor. 

The supervisor told me I have to wait 3-5 business days for that payment to clear and then I'll be able to remove the account. When I told her that I've tried for the past 3-weeks to remove this account she told me that I hadn't. When I told her I've gone through their process to link a new account but that the system goes in a loop and doesn't add it, she told me I didn't complete it. All in short of calling me a liar she didn't believe I had done what I told her. When I explained I work in software development, I understand how systems work and that theirs has an issue and requested a ticket be opened for a tech to look at this she said no. I got angry and demanded it and because of this she told me she'd disconnect the call. I told her that I wanted her name and she said " Nope '' and then disconnected the call. 

This account needs to be removed so that I don't incur any other fees and they need to fix their system. They also need to train their representatives to LISTEN to their customers.
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CO)

I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX   for a claim with XXXX XXXX which is now XXXX XXXX. I called XXXX XXXX and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded
Consumer complaint received 2018-05-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I had sent a Money Transfer ( MTCN XXXX XXXX XXXX ) for XXXX XXXX to XXXX XXXX XXXX in XXXX, XXXX , through Western Union. Since the Beneficiary did not collect the same, I got a letter from Western Union, asking me to go to their Agent and collect a Refund, if I want to. Accordingly, I went to the same Agent ( " XXXX XXXX XXXX '' in XXXX XXXX, NY-XXXX ) through whom I made the transfer. He confirmed that the amount is not picked up but he can't process the refund unless I call Western Union at XXXX and get another Code Number. 

Accordingly I called that number and spoke to one of their CSRs - XXXX ( Employee Number : XXXX XXXX ), probably in The XXXX. She verified all the information and and put me on hold for almost 20 minitues and at XXXX XXXX said that the she can't process the refund and I will have to wait for a call from some other department, which might come in 24 hours. 
I do not understand why I have to wait another 24 hours, since the Money Transfer is still pending in their system and she has verified all my information. .I told her, I have worked in the Money Transfer industry at the CEO level in the US and also abroad for over 2 decades and have never heard of any such rule.She says that is the rule of Western Union .
Consumer complaint received 2019-07-25
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. (UT)

XXXX XXXX is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.