davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
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. (MN)

I understand that you are Very Busy people there at Transunion and I would Like to thank you kindly for getting me the disputes update dated for XX/XX/XXXX I still disagree with your finding on I believe that you are not conducting full investigation at your location. per the FCRA I have the right to asked you your method Of verification and I exercising my right under the FCRA. per the ftc you must tell me and Provide Physical proof I will be traveling for work off and On and I do asked if you could respond with the method of verification Cfpb site with your document and what have you! Alright XXXX XXXX  XXXX XXXX on page 7 OF 8 dated XX/XX/XXXX I need to know the name and Phone number of who you spoke with employee Id and company address. I need for you to send me Transcript of you sending XXXX XXXX the dispute information and the time and date they responded back to you and what information was sent. The reason I asked you for this information Look at the status update. If you would have conducted a proper investigation the date should have changed to the Month of XXXX and the Year XXXX Transunion you think people are XXXX! Also I will need you to obtain a copy of my check that XXXX me a cancel check and the date that I paid this balance off also I ask you to please also obtain a copy of the check that this company cash on XX/XX/XXXX If you are unable to send any of the information asked for This will be considered an unverified account! Recap transcript of your sending to the creditor vice versa copy of my check that this bank cash on XX/XX/XXXX copy of the check that was used to pay off this charge off! 
name and Phone number who you spoke with and employee Id number also a credit application that was used to open this account again please respond via this site as I will be out of the country. you have 15 days to obtain this information I will be waiting! also You Guys do XXXX reporting look at the File there is not even the original creditor name or account number attached to the report this is a violation of the FCRA You guys are in such a hurry that your work looks like XXXX. But anyway 15 days I will be awaiting your response!
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I have contacted both Experian and XXXX and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to XXXX and Experian along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both XXXX and Experian so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.
Consumer complaint received 2020-09-24
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. (OH)

The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, Experian, and XXXX  are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the

items listed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 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 or reported inaccurately. The law is noticeably 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 I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Lending Services LLC (TX)

On XX/XX/2019 at XXXX XXXX  CST, I received a phone call from phone number XXXX-XXXX-XXXX. The lady said she was with I think " Global Locating Services '' and she was looking for XXXX XXXX. I told her that I do not know a XXXX XXXX and she then said that she would " pass this information over to her fraud department as falsified credit information. '' Her tone was very rude and I feel this type of language was not necessary. I don't see the need for her comment after I said that I did not know this person. She should have just said thank you and hung up.
Consumer complaint received 2019-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/2019 I received a letter from the Pentagon Federal Credit Union informing me that I am being upgraded to a PenFed Visa debit card to replace the ATM card that I've had for the past 18 years. I called the credit union and explained that I did not want or need a debit card and that I would like to continue with an ATM card. They informed me that it was a requirement placed on them to switch to debit card and would not provide me with the language and/or directive that requires them to do such. 

I followed with an online complaint to their board of directors ( the only avenue available after speaking to a rep ). I received an email reply stating they made the decision to stop offering ATM cards to members with checking accounts in favor of the Visa debit card.

I find this change to not be leading or best in class as they state, rather it is predatory marketing forcing a financial product into members hands with the anticipation of generating more income and revenue through their association with Visa. I nor any other member should not be forced into excepting a financial product that is unnecessary.
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

NO ONE WILL HELP ME EVERY GOVERMANT AGCIENCE THAT EXISTS DOES NOT BELIEVE I WAS INTERNATIONALY HACKED BY WELLS FARGO IM GUESSING THEY HAVE A TEAM OF SECURITIES HACKING TO SAVE THERE SOULLESS XXXX. ARE YOU SERIOUS I ASKED FOR A PRIVETE BOAD TO CLOSE THE DOORS AND LETS TALK ABOUT THIS. I AM TIRED IM LOST MY LIFE IS OVER BY BEING WELLS FARGO HACKED BY WELLS FARGO WORST HACKING COMPIES THAT MONEY BUYS AND XXXX XXXX IS INVOLVED BY THE IMFORMATION SEE GOT WAS STORED IN MY COMPUTER THE HACKING ACCOUNTS ON XXXX   TO CONTROL AND UTLIZE CASH ACCOUNTS AND YOU WELLS FARGO HAVE THAT ON MY ACCOUNTS AND A LAON I CANT USE. WELLS FAR I AM DEMANDING A BOARD AND  SECURITIES MEETING TO SEE WHAT YOU HAVE DONE TO MY LIFE MY XXXX AND NOW MY MARRIGE YOU WELLS FARGO DID NOT INCLUDE MY HUSBAND IN THIS I WAE YOUR ONLY TARGET OF XXXX. AGAIN I WANT XXXX A NEW COMPUTER A PRINTER AND A PHONE. MY LIFE IS GONE .I CANT RECOVER FROM THIS
Consumer complaint received 2023-07-13
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. (MO)

Someone gave me some court papers that I never seen until after the date I was not served and this debt does not belong to me and I fear they will try to have a judgment against me.
Consumer complaint received 2023-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I attempted to complain regarding my credit score, but Experian does not provide it as an option. I presently have a score of XXXX with Experian. My score continues to drop without reason given by Experian. Recently, it dropped by 14 points-no reason given by the company. When I paid two loans off the score did not change at all. In addition, my Experian score does not compare to those with XXXX  ( XXXX ) and Experian ( XXXX ). I noticed they don't have a system for how they increase or decrease scores. They just do as they please. I want it to stop. According to a lot of research I have done, I learned that according to CFPB there should be some parallelism among scores, yet these companies are not following suit. " A 2013 poll found that 62 percent of indebted white households has excellent or good credit scores. Compare this with 44 percent of XXXX-American households that also carried debt. ''
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (SC)

On XX/XX/XXXX specialized loan reported that I was 30 days late on my mortgage to all 3 bureaus. This is incorrect I have documents from them showing I was not late for 2 years. This made my credit score drop 59 points and I am unable to co-sign on a loan because of this drop. This is false reporting and Hindering to my family. I called specialized loan and they can not do anything and dont know how long this would take. I need this done ASAP!
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This account was paid by my insurance, they keep insisting that I didnt pay. I had XXXX and was given a paper to sign right before I went into XXXX with a XXXX XXXX. This is not ethical or lawful for that matter and consider this fraud!
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (FL)

XXXX HAS A FRAUD ACCOUNT OPENED UNDER MY NAME / SOCIAL NUMBER. 
XXXX WAS NOTIFIED ASAP AND HAD PLACED THE ACCOUNT UNDER FRAUD. I NEVER HAD ANY BUSINESS RELATIONSHIP WITH XXXX.. DO NOT HAVE AN ACCOUNT. NEVER. 

COLLECTION AGENCY - NAME DIVERSIFIED CONSULTANTS. FILED A COLLECTION ON MY CREDIT REPORT BUT DID NOT PROVIDE ADEQUATE NOTICE OF THE DEBT never PROVIDED PROOF OF DEBT OR ANY STATEMENTS PERTAINING. 

ADDING TO MY CREDIT REPORT HAS CAUSED MY NEAR PERFECT SCORE TO DROP WHEN I NEED FOR AN UPCOMING FAMILY PURCHASE. 

I BELIEVE DIVERSIFIED CONSULTANTS HAVE CAUSED ME DIRECT HARM. 
I BELIEVE DIVERSIFIED CONSULTANTS DID NOT FOLLOW PROPER PROCEDURE AND STATUES WHEN PLACING THIS COLLECTION ON MY CREDIT REPORT.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Unity Asset Management (ID)

Collection agency contacted me out of nowhere threatening legal action over a " debt. '' Refused to state who they were, what they wanted and what the " debt '' was for. I tried to get any and all information from them but they refused to explain anything and stated that I needed to get with my attorney on the matter. They referred to a '' Federal database '' when reading off a social security number, I refused to validate personal information because they were uncooperative and refused to explain who they were, which is what they must do by actual Federal Law. 
I decided something was not right and I said you have the wrong person, the individual on the other started to get upset and demand that I continue to speak with or I was going to have to work my attorney. 
I hung up, she called immediately and left a very rude message stating that since I refused to speak to her that she would " Forward the complaint out of her office, send it " to my address '' and good luck.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Superior Adjustment, Inc. (MI)

Even though I am paying regularly on this account, and they acknowledge it, I was told by the manager, XXXX, that they will report the account delinquent until paid in full, and that they will not report payments. I was also told that they will not remove paid accounts. They stated that all accounts, paid or unpaid, will remain for seven years. 
I told XXXX that this policy is counter productive, as it doesn't allow someone with debt to better their score, which may enable them to get a loan and pay off debt. I'm fairly certain that the fair debt reporting act requires that payments be reported. 
In any case, as my credit will remain damaged whether I pay or not, I will stop paying on this account. I feel that XXXX XXXX XXXX XXXX needs to be aware of the practices in place at credit check. 
I used to support credit check and was happy working with them. I have paid off over {$4300.00} in recent years and expected better from them. They've clearly changed, and not for the better.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was viewing various websites trying to monitor my credit. Obviously, TransUnion would be one of the places to do this. I signed up for what was *clearly* labelled as a free account. There was never any mention anywhere about fees or charges for what I was doing. I avoided everything on the website that involved being charged, as I did with every other website I visited that day. However, I was charged not too long after making my account. The charge was a subscription for {$24.00} every month, which I had never signed up for. There was not even an inkling of information that I had that would suggest I would be charged while I was on they're website. I immediately called to dispute this charge and was met with no help. In an incredibly comical manner, the person who I spoke with on the phone was both very quiet and speaking from what sounded like a decent distance away. Not only this, but at times they would just stop talking altogether. To me, it felt like an attempt to get me off the phone as quickly as possible. While on the phone, the person was also speaking as if I should've known exactly what I was being charged for. I stated on numerous occasions that I did not confirm a purchase for anything, only to be met with them saying that it was my own fault and that I should have known what I was doing. I felt like I was being talked down to. A simple XXXX search shows a multitude of people falling for this fraudulent behavior on the behalf of TransUnion. Just as I believed it was free, everyone else believed it was free or merely {$1.00}. No mention of a {$25.00} charge, not to mention a *reoccuring* {$25.00} was ever mentioned anywhere during the sign-up. This is a scam being run by TransUnion on a mass level.
Consumer complaint received 2019-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MI)

In response to a denial of an extension of credit, this consumer checked with one or more consumer reporting agencies and discovered the following : 1. Your company has furnished negative information concerning this consumer to one or more consumer credit reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

3. This consumer does not recall having received the required notice apprising this consumer of the right to dispute the alleged debt, nor does this consumer recall having received any billing statements and/or statements of account bearing the number you used to furnish the negative information.

4. This consumer is without facts sufficient to form a belief that this consumer has a meaningful relationship with your company, and therefore must deny that such a relationship exists.

5. Notwithstanding any substantively admissible facts to the contrary, this consumer denies having any knowledge of the alleged account which the furnisher has placed on this consumers credit report.
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (DC)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2019-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (TX)

XX/XX/2019 - Contacted company to see what originally was taken out for my loans and if I could get verification due to the numbers not looking accurate. Customer service rep seemed confused and didn't assist with me pulling up my account. 
XX/XX/2019 - Contacted company inquiring about different payment options available for my loans because the amount they have suggested is not realistic. Company did not assist and just continued to read off of script.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AR)

On XX/XX/2020 I balanced my check book with my bank statement at Regions Bank. I subtracted multiple automatic drafts from the balance all due to be withdrawn on the first of the month. I then paid several bills and had a {$97.00} balance. On the XXXX of the month an unexpected draft was pulled as the annual renewal for my web page. It was {$96.00} and I was naturally concerned but according to transaction register had {$1.00} remaining. However, I checked my mobile account and noted a {$14.00} negative balance. I called the Regions national number and spoke with an associate named XXXX asking if NSF OD fee could be avoided by deposit to cover that amount since my payroll check would be in XX/XX/2020. She assured me there would be no overdraft fee. However, XX/XX/2020 I found a {$36.00} nonsufficient funds charge. I pulled up account activity report and it appeared that the {$14.00} overdraft resulted from the overdraft fee itself. I called the main number for Regions national and waited 32 minutes without speaking to anyone. I then called local bank and spoke with an associate and the manager, who said that the report just " looked funny '' and that they wished it looked different but the overdraft fee would stand. I then rebalanced the XXXX statement and rechecked my XXXX math twice and could find no reason for the overdraft. I then called the national Regions number again and was advised that the overdraft was charged because of " pending '' drafts on my account and that Regions was not at fault in any way but that XXXX ( an XX/XX/2020 charge ) and XXXX ( routine monthly transactions coming sometime at the first of each month were at fault because they had not " finalized '' these pending transactions. It appears to me that Regions may be " batching '' charges in such a way as to precipitate an apparent overdraft situation.