davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (AR)

I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Security Credit Services. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never heard of. I have been a victim of Identity theft and this account should be removed immediately.
Consumer complaint received 2022-09-02
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-09-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I applied for a mortgage at two different companies submitting the same information Fico score income and was denied from one lender. From the FHA guidelines I should have been approved at both lenders. I called in order to see the denial reason and I as not given adequate information or explanation for denial. Wells Fargo denied my loan application and I feel it is a discriminatory practice. I want my application to be investigated further.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have three capital one cards. I have never maxed out my cards, nor have I ever paid late. Ive always been on time. Ive never lost my card. Ive always kept my account in good standings. Due to a bank error, my payment was returned. But I didnt have a due payment or anything anyways. Why did they close all my accounts for a returned payment that I had nothing to do with? Capital One should reinstate all my credit cards!!!
Consumer complaint received 2018-04-22
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. (FL)

XXXX, Transunion, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Yamaha Motor Finance Corporation USA (SC)

In XX/XX/XXXX we financed a golf cart through Yamaha Financial Services. Initially the financing was strictly in my name ( XXXX XXXX ) but the Company requested that my wife cosign the loan ( XXXX XXXX ). This transaction was handled through the issuance of a Yamaha Financial credit card. The first card ending in XXXX was issued and we made our initial payment of {$250.00} on that card. With the addition of my wife they reissued a new card ending in XXXX and all subsequent payments have been made on that card. On XX/XX/XXXX I contacted the Company and asked that my payment of {$250.00} which showed as an outstanding credit balance on the XXXX card be returned to me. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, XXXX and finally on XX/XX/XXXX. Each time I was told the matter had been referred to their accounting back office and I should expect a check within 30 days. As of this morning XX/XX/XXXX I am still not in receipt of my refund.
Consumer complaint received 2019-01-24
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: EQUIFAX, INC. (CO)

I HAVE BEEN DEALING WITH EQUIFAX FOR YEARS. REPORTING IN ACCURATE INFORMATION ON ME. MY CREDIT REPORT I LEARNED HAS MIXED FILES AND I HAVE A SPLIT FILE. I HAD A IDENITY THEFT SITUATION WHICH XXXX  AND XXXX   WAS ABLE TO FIX IN A TIMELY MANNER. NOW FOR INSTANCE THERE IS A AUTO LOAN AND COLLECTION RECENTLY APPEARED ON MY EQUIFAX REPORT AND THE LADY IN THE OFFICE OF CONSUMERS AFFAIRS TOLD ME THAT THE AUTO LOAN ALLY FINANCIAL DISPUTE CAME BACK LAST MONTH IN XX/XX/2018 AND THAT CONFIRMATION CONFIRMED THAT IT WAS SUPPOSED TO BE DELETED AND STATED THAT SHE WAS SENDED IT TO MAINTENCE TO HAVE IT REMOVED WITH THE OTHER LISTED ACCOUNTS I HAD PREVIOUSLY DISPUTED. I HAVE BEEN DISPUTING ITEMS THAT HAS BEEN APPEARING ON MY CREDIT REPORT NOW FOR A YEAR DUE TO EITHER IDENITY THEFT OR MIXED FILES AND SEEMS LIKE IM GETTING NO WHERE. I KNOW THERE IS A MIXED FILES WHEN MY EMPLOYER INFORMATION KEEPS DISAPEARING OFF MY CREDIT REPORT AND STUDENT LOANS ETC. ALSO ONE REPORT SHOWS I HAVE 4 INQUIRES THEN THE NEXT IT IS SHOWING I HAVE 20, WHEN I CALL AND INQUIRE ABOUT THIS THEY CLAIM THE ONLY SEE 1 OR 2. SO ITS NEVER CONSISTENTLY AND I BEEN CALLING ALMOST ON A DAILY BASIS.
Consumer complaint received 2022-08-29
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX Social Security Administration has, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section2 : Also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I emailed Fedloan twice requesting a refund of a payment made during the pause period, and I still have gotten no response. I reached out on XX/XX/XXXX and again on XX/XX/XXXX but still haven't heard back from anyone. 
I made a payment of {$50.00} on XX/XX/XXXX and I'd like to have it refunded. The timing is somewhat urgent since my loans are getting transferred and I'd really prefer to do this before my account leaves Fedloan- it's unclear if I will be able to get a refund from my new servicer. I really dislike how Fedloan customer service seems to be nonexistent at this point.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

Last year, I found 3 fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of XXXX, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian refuses to reinvestigate CFPB complaint XXXX dated XX/XX/2020 when I have provided factual based information showing that my XXXXXXXX XXXX  account is not reporting the same and not reporting accurately across all three bureaus as it should. I provided evidence in CFPB complaint XXXX with a word document that stated this. In the CFPB complaint XXXX Experian claims that they would consider my evidence but stated under their reponse that they can not reinvestigate because they are not sure that I submitted my CFPB complaint because I had no identification which is a stall tactic. I am the person submitting each CFPB complaint from the portal and have identified who I am each time submitting a complaint. ( I have enclosed personal identification with in this CFPB complaint to identify myself. There is no reason for an investigation to not be conducted. )
Consumer complaint received 2022-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Hi. I used to own the properties associated with the utility debt but as soon as I sold them I closed the XXXX  XXXX  accounts my online portal for XXXX  XXXX  even shows the ending date. I tried to reconcile this back when the previous debt collector owned this debt but they said my claim was wrong and said I owed backed utilities through XX/XX/XXXX 7 months after I sold the property which is ridiculous which it is not the case I have closing documents on the property I did not even own it anymore. The new owner never turned on the utilities even though I shut them off from my end back in XX/XX/2021. Once XXXX  XXXX sold to XXXX  XXXX I believe they sold all the debt and now the debt collector is going after me for the balance cause I was the last person associated with the accounts. Unfortunately I paid one of the smaller collections for like XXXX because it was on my credit and I buy and fix property and it was preventing me from doing my job being on my credit. Everytime I call this debt collection company their number is busy there is not answering service and they wont respond to my emails. It is called national recovery agency. I need to get this resolved otherwise I will have to take it to court cause there is no one to help me fix the problem and I can not resume my livelihood if this hits my credit I wont be able to do a thing. Please someone help me get this resolved.
Consumer complaint received 2019-09-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA has been withdrawing funds totaling {$3600.00} from my savings account since XX/XX/XXXX for a loan I have no connection to. The loan number is : XXXX. This was brought to my attention Friday, XX/XX/XXXX. I immediately contacted my bank, XXXX XXXX. My personal banker moved my funds and alerted XXXX XXXX fraud department. She also contacted Santander and explained the error, to which the representative said there was nothing he could do. The most I was offered was to escalate the problem to the Executive Complaints Department ''. Today an individual finally returned my call and again told me this is my banks problem! Repeatedly Santander tells me that maybe I am part of this fraud, and that many accounts are paid by a third-party. I completely understand why they can not release customer information, but I do not understand why they do not investigate the issue and try and contact the person on the loan to verify if they know me or why their payments are coming out of my account. 

I am also sending an email to the CEO, XXXX XXXX ( XXXX ) sharing with him that I am filing a complaint with the FTC.
Consumer complaint received 2017-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (TX)

About a month ago, I requested, via email to XXXXXXXXXXXX, an updated payment ledger as well as the balance for this count. I 've received no response. Last week, my wife received a phone call from someone at XXXX, who reported they were responding to the email. She reiterated that per the request that was sent, the information needed to be in writing. <P/>I 've yet to receive anything.
Consumer complaint received 2021-08-23
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: V and H Portfolio (MD)

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX I submitted a CFPB complaint against this company in regards to inaccurate information on my credit report and the actual right for them to collect on this debt. 

They failed to properly validate the alleged debt and continue to report unverified inaccurate information on my consumer report. I have been unable to obtain a mortgage, auto loan and job due to this inaccurate and unverifiable information. I have seen XXXX XXXX in regards to XXXX and XXXX in relation to this issue and have been diagnosed with XXXX XXXX and XXXX by trained and certified XXXX XXXX  and can produce documentation that proves such. 

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Consumer complaint received 2019-02-03
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. (IL)

This account is being illegally reported on my credit report. On XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Consumer complaint received 2019-02-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (FL)

I applied for a line of credit at my dentist office ( XXXX XXXX ) in XXXX XXXX, FL. in XX/XX/2018. The credit line was to cover for the deductible payment my health insurance wouldn't cover. I applied with the receptionist desk & they advised that my line was approved for {$1500.00} and I agree use the amount to finish with my XXXX   XXXX/XXXX. 
After paying my account for more than a year - I reduced the total amount due to {$1200.00}. However in XX/XX/2018/ I was charged {$430.00} in interest charges on purchases. 
I did not use this line of credit after my XXXX  XXXX and have been making on time payments usually paying a little more than the minimum due in good faith. 
According to XXXX XXXX XXXX/Synchrony Bank - I now owe over {$1600.00} due to the added interest charge. 
This has caused for my account to reflect " over the limit '' line of {$1500.00} - which has drastically reduced my credit score. They are calling me every day but they will not address my disputes concerning the interest rates and their unethical way of collecting money. 
I have prided myself in building and maintaining a good credit report. I believe this company is fraudulent and are basically robbing me of my money, time & peace.
Consumer complaint received 2019-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 
6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice