davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Yes my name is XXXX XXXX and paid {$340.00} to capital one credit card company and supposedly settle for less left with a {$0.00} balanced and still showing {$350.00} dollars and the original amount was {$690.00}. I paid this in the beginning of XXXX and Showing {$350.00} Remaining when it should be {$0.00}.
Consumer complaint received 2019-01-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MD)

SANTANDER financed me with a predatory loan. I financed {$26000.00} in 2016 for a vehicle. I have paid {$750.00} a month for 3 years ( {$27000.00} ) and the balance I owe to date is {$28000.00}. Nothing I paid has gone to the balance of the loan. Account number XXXX.
Consumer complaint received 2023-03-27
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

A card was open in my name with capital one bank using my information without my knowledge. I reported it to capital one bank. They close the card ending in XXXX and open a card ending in XXXX. 

I was out of the US for two years. The account was open while I was in XXXX ( XXXX ). I suspect my sister as I left her in my home to care for my daughter while I was away. But she denies it. I reported it to the police. 

Please close all credit card accounts in my name as they are fraudulent accounts. 

Thanks,
Consumer complaint received 2019-01-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Two years ago, USAA paid property tax from my escrow account for the incorrect property. This year, they were contacted in XXXX that I would be cancelling the homeowners insurance they had for me ( coincidentally they were who we used ) and they said no problem. I established new homeowners insurance in early XXXX and the declaration page and all was sent and communicated to USAA. I cancelled with USAA as I had already started my new homeowners insurance. USAA still renewed the insurance policy despite it being cancelled and alerted know XXXX. 

Their negligence and mismanagement of my money is unacceptable. I feel they need to compensate me for this after this has become a pattern. I am exploring refinancing options with another lender as I have no confidence in them as a lender. It is a shame as a member of 14 years. I am cancelling and trying to cut off ties as they are not a dependable company as can be seen in the lawsuits and litigations going against the company in recent months.
Consumer complaint received 2018-11-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CASHCALL, INC. (CA)

In XX/XX/2011 I got a loan from CashCall in California. I had to go into the office in XXXX and pay every month XXXX.For two years. I heard they were illegally charging too high interest so I stopped payments. Now 7 years later I need a charge off letter from Cashcall to get a home loan.
Consumer complaint received 2019-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC (MD)

On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX. Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors XXXX XXXX XXXX XXXX to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called Pendrick capital Partners whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the XXXX XXXX XXXX XXXX ( collectors ) nor Pendrick Capital Partners ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with XXXX XXXX XXXX for collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.
Consumer complaint received 2021-07-13
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: Synovus Bank (KY)

I have a secured credit card through First Progress ( Synovus Bank ) First Progress Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by XXXX. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to XXXX  and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by XXXX  and they had to unsubscribe me. I have audio recordings of every phone call placed to both XXXX  and First Progress. I finally use a phone number found on a older credit card statement and got a representative from XXXX  who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through XXXX. I would like to completely cancel anything to do with XXXX  and get a refund for {$43.00}. I have lost faith and all respect for both XXXX  and First Progress credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.
Consumer complaint received 2018-08-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Applied a payday loan from XXXX XXXX. I made most of my payments on time then fell behind because a restructuring at my current job. It was turned over to collections and I paid it immediately. The problem is that I am in desperate need of a vehicle and this is hindering my TransUnion Credit Score because it shows collections. All banks and dealerships use TransUnion Bureau. I contacted XXXX XXXX and they lady said we cant do anything about it. The balance states paid but its still on my credit report. I have disputed it with TransUnion cause it initially showed no credit history. This was inaccurate reporting and wanted it removed. They then added the credit history and left it on my credit report. However, it still remains on credit report and is unfair to me as a consumer. I have asked for the signed contract that this payday loan was to be reported to the credit bureaus with no success. Please help.
Consumer complaint received 2018-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In late XX/XX/2018 I received a letter from Wells Fargo Bank dated XX/XX/2018 stating my mortgage had been transferred to XXXX XXXX & XXXX XXXX XXXX effective XX/XX/2018. It stated my servicer would be XXXX XXXX   XXXX, XXXX. ( Copy Attached ). On XX/XX/2018 I received another letter from Wells Fargo Bank stating XXXX XXXX XXXX XXXX would be servicing my mortgage loan. ( Copy Attached ) Meanwhile I made my XXXX and XXXX payments to Wells Fargo Bank. I have received a statement from Wells Fargo Bank for my XXXX payment. ( Copy Attached ) I have not received any letters or documentation from XXXX XXXX & XXXX XXXX XXXX or from XXXX XXXX XXXX XXXX about this matter. 

I wasn't notified 15 days before the transfer of my mortgage and it seems to me that further notifications I should have received never took place. Please help me with this because I do not want my mortgage payments or home jeopardized. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (NJ)

I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX, XXXX, and Equifax have not removed the mentioned items on the FTC Report. Once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Good morning I sent Resurgent Capital Services on XX/XX/2022 several very thorough requests to validate my debt and only received a mere portion of the requested documents I asked for. 

I reminded them that according to the FCRA they are required to validate the debt thoroughly and accurately and I have yet to receive all of the requested documents.
Consumer complaint received 2023-03-27
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. (NC)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

On XX/XX/2017, this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-03-27
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2018-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NM)

So I have been in touch with Navient for a month or so about my financial situation and my difficulty paying off my loan with the current monthly premium of {$390.00}, and they asked for paperwork that I provided them with. But they never lowered my premium. In fact, I received an email from them today asking for {$790.00}! That is the double the original amount, which I had a hard time paying. So instead of lowering my premium, they doubled it. So I believe they are overcharging. Then I realized that there are lawsuits against them regarding the same complaint. 

Meanwhile, I have applied for the PSLF program and got accepted, but that has not processed for some reason. Again, I read about the XXXX XXXX XXXX XXXX ' lawsuit. An organization that I am a member of. 

I have worked for governmental institutions part-time since XX/XX/2009, and full-time since this year. I love my work, and I love XXXX XXXX XXXX as a XXXX. It unreasonable and unethical for Navient to have me go through all this unnecessary and unjustified stress!
Consumer complaint received 2022-07-08
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: ALLY FINANCIAL INC. (FL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : ALLY FINCL/ {$0.00} / XX/XX/2018
Consumer complaint received 2020-09-23
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. (FL)

SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion  and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-11-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Dear Officer : I bought my XXXX XXXX  at XXXX XXXX XXXX XXXX in XX/XX/XXXX, When I sign the contract, I gave my bank information to the salesman, and tell him very clearly. set up auto pay, he said he will do it for me. 
But a few months later, I find out I have 4-month non-payments, I called a salesman, He does not admit that I have given him my bank information. After that, I paid full past due amount and I set up auto pay online by myself, but my credit score is messed up. I always pay my bills on time, My credit score was XXXX, now only XXXX. 
In XX/XX/XXXX, Toyota toll away my XXXX, they said I have 3 months non-payments, I called Toyota fiancial service right away, customer service said nothing they can do. then I paid the full past due amount and penalty got my truck back. 
My last payment on XX/XX/XXXX. they charge my money, But the online system still shows I didn't make any payments.
Consumer complaint received 2018-11-25
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (NC)

This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015. 

Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX   and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).