davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OH)

Citibank initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/2018 ( Item # XXXX ). However, the XXXX 's account was closed on XX/XX/2018. Hence, per XXXX, the incoming funds were rejected and sent to XXXX  XXXX XXXX who acts as a clearing bank for CitiBank 's bill pay service on XX/XX/2018 using tracing # XXXX Upon contacting XXXX XXXXXXXX XXXX, they do have the funds. Attached is the letters of XXXX  XXXX XXXX and XXXX XXXX and the proof of transmittal. 
Per XXXX XXXX XXXXXXXX 's letter, please reach out to the ACH processor ( XXXX ) and request the funds to be re-called
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (FL)

I have been getting robot calls from a company that states that I have a XXXX debt with Cit Bank. This is untrue and I have disputed this. This card was opened illegally in 2011. Yesterday the calls began. I had a conversation with 5 people who after I identified myself and denied the debt, we would get disconnected. XXXX XXXX. 

Today the calls have started back up. When I call they hang up. I left two messages. The last message stated that I just needed information. It seems that they would talk and explain. The number that calls is XXXX ( XXXX ) XXXX. 

Thanks for your attention on this.
Consumer complaint received 2018-09-07
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: Experian Information Solutions Inc. (TX)

After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my XXXX along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
Consumer complaint received 2018-08-21
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: The Outsource Group, Inc (SC)

XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX  HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX & XXXX credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.
Consumer complaint received 2018-09-07
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: Experian Information Solutions Inc. (NY)

I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX  Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes
Consumer complaint received 2018-09-07
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)

After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my transunion along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I have more then 15 years that i dont have a credit card, or bank loan, i triyed to get an apartment and they told me i cant get cause my credit is bad, i used to have credit card in 2001 an i paid them all i want to know whats is the problem that i have
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I recently received two letters from Portfolio Recovery Associates on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a XXXX XXXX Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.
Consumer complaint received 2018-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of James R. Vaughan, P.C. (AZ)

I have filed complaints against XXXX XXXX XXXX since 2017 for false claims that I and my wife owe them money. in fact XXXX owes me thousands of dollars for being paid money for credit repair that never occurred. 

XXXX  has repeatedly falsely claimed that I and my wife owe them XXXX and now they are using a so called law office to threaten me and my wife. 

XXXX along with the law office of James r vaughn need to be investigated for the following : 1. deceitful communication tactics related to credit repair 2. false statements via electronic means 3. harassment via electronic means 4. threatening behavior via electronic means 5. fraud for stealing from service members under the false claims that credit will be repaired 6. stealing money from Veterans and service members for services not delivered, i.e, credit repair.

7. false claims related to marketing : that if you are not satisfied with their services you do not have to pay any further.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Am in the process of stopping the use of the account due to pncs ineptitude. Forgot to switch one of my accounts and funds went over, I transfer from my other and account and they said it was complete but the funds did not appear in my pnc account. I went to pnc to physically transfer money from accounts. They had no issue charging me a fee to withdraw money from my other bank, but would not allow me to deposit money in my pnc account. I went to the inside atm and the same issue, you can not deposit cash. They will probably, again, charge me a overdraft, but this is the issue, I can not deposit money into my account, so I can not logical see how one is supposed to deposit money. Some people work during the 2 hrs the bank is open during the day. When they block the only option to actually deposit money that is very predatory. Not to mention the blockage of linking accounts and transferring money with third parties. They dont want to spend money on real security so they block customer access. Shameful
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

We had set up where the last day of the month the payment was automatically paid. So on XX/XX/2018 {$1200.00}, which was the payment amount, was taken from the bank. On XX/XX/2018 they took out {$1200.00}, which was the payment amount, again. So the bank, XXXX XXXX XXXX, stopped all money going out. My husband called SLS Mortgage to try to fix the problem. They said they would but they haven't tried to fix it. So we went to XXXX XXXXXXXX XXXX and they worked with us for an hour, but bottom of line, we have to try to fix it with SLS Mortgage. They told XXXX to call them and try to straighten it out. So he called them and it was not satisfactory. They told him they would send a check on XX/XX/XXXX. Hopefully they will, but in the meantime we can't do anything because of the {$1200.00}, which is still there. We can't even buy food, we can't do anything, because SLS has blocked everything. 
XXXX XXXXXXXX XXXX advised us not to have the money automatically paid because it can cause problems like this. So we cancelled this but it doesn't help the problem right now. 
This is not the first time this has happened. It happened three or so months ago but at that time the company was easier to work with. Now it's really scarry because how many more times will this happen?

We feel we are caught between a rock and a hard place because we don't trust SLS. And they are not good to work with. This is not a problem we made, it was their doing, and they treat us like it's all our problem. In the meantime we have to try to figure out how to keep from 100 percent ruining our credit and even worse, getting food to eat.
Consumer complaint received 2018-09-07
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. (OK)

On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX for {$10000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold. After the vehicle was reposed, I did not receive any notices. 

XXXX ) Which states that the they have the car in their possession and that the car will be sold to recover the amount owed. This is called the Notice of Sale, which I did not receive, which should have been done within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment.

2 ) After the vehicle is sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Since there were a GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My wife and I opened a XXXX XXXX credit card with XXXX XXXX  in XXXX XXXX XXXX, with my wife as the primary cardholder and me as an authorized user. The reason for doing this was because I was a new immigrant and as such I was unable to open my own credit. This was the only way for me to start building my credit at the time, and we chose XXXX because they told us they report authorized users. Now almost a year later we are in the home buying process and I found out from my mortgage lender that the XXXX account is not reported, and as a result I have almost no credit history which has made it harder to get approved and I will have a more costly loan. 

This issue has already been escalated to management at both credit bureaus affected, as well as XXXXXXXX XXXX, and the bureaus confirm that they did not initiate any action against the account. They explained that they would have their own record of doing so if they had, and they do not, which means that XXXX must have deleted the account through their own system. XXXX refuses to acknowledge this, though. XXXX claims that it was the bureaus that asked them to remove the account. However, when pressed for information, XXXX was unable to produce any actual documentation of this happening. According to the bureaus, if it were true that they had made this request to XXXX, then XXXX would have in their possession an actual document from the bureau. XXXX has admitted that they have no such document, and in fact they haven't even been able to tell us which bureau supposedly sent it. 

In addition to this credit reporting issue, XXXX has caused several issues with our account from the day it was open, making changes to our account without authorization, shutting off our access without warning many times, and using different misspellings of our names. 

One clue I have as to the cause of the error is that XXXX has described the removal of my account as " removing my name from the account ''. One of our issues with XXXX was that they entered incorrect spellings of my last name on the account multiple times, and I have asked them to correct this. It is possible that this was incorrectly noted by an employee as a request to " remove my name from the account ''. However, I was always clear in my communication that this was only an incorrect name spelling. Neither I or my wife ever requested to remove anyone from the account. 

So, with a history of XXXX mishandling our accounts, both of 2 credit bureaus confirming that they were not the ones to remove the account, and XXXX not having the necessary documents to show, all the evidence points to the fact that the credit reporting issue is a XXXX error. Still, after spending hours talking to XXXX customer service and management in-branch and on the phone, they so far only deny the issue and refuse to take any accountability.
Consumer complaint received 2018-09-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (LA)

In XXXX or XXXX I was given the option to settle the loan for XXXX which I started to make payments toward and I thought this debt was fulfilled. During this process the lawyer was very at one point he tried to recant on the settlement.
Consumer complaint received 2023-03-18
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. (CA)

Transunion stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted,
Consumer complaint received 2019-01-10
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. (MI)

I have a bankruptcy on my account. I contacted Transunion XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.
Consumer complaint received 2023-03-18
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. (SC)

I submitted a dispute about my permanently discharged federal student loan reporting as open with a balance. And XXXX and transunion closed my dispute and said the information was accurate and would remain on my report as it was.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Heavy & Associates flagged my credit report in attempt to collect a debt. I never heard or worked with this company who is trying to collect this debt of XXXX dollars as of XX/XX/2022. I personally stay in the state of XXXX XXXX, this company is out of XXXX, XXXX. I know for a fact under the FCRA this company has broke more than one code. 15 USC 1692 C ( A ) 15 USC 1692 ( B ) 15 USC 1692 B ( 5 ). I will make a complaint with the BBB as well about this company.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX # XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: G. Reynolds Sims & Associates, P. C. (MI)

On or about XX/XX/2012 G.Reynolds Sims & associates P.C. filed a complaint against this consumer in the name of XXXX , XXXX in the XXXX district court of Michigan. 
G.Reynolds Sims & associates P.C., attached to their complaint, an affidavit sworn to by a lawyer from their firm and endorsed by a woman without an active notary commission with the State of Michigan. 
Michigan law prohibits lawyers or lawyers from a firm from acting as witnesses in cases they're litigating on behalf of clients. 
Michigan law further prohibits unauthorized use of a notary. 
This consumer is not certain whether it was actually XXXX XXXX XXXX that unlawfully notarized the affidavit or if G Reynolds Sims & associates P.C. unlawfully used her name unbeknownst to her. 

Nothing in the record at the XXXX district court of Michigan indicates that the plaintiff ever appeared in an adversarial process, YET THE DEBT COLLECTION ACTIVITIES CONTINUE TO THIS DAY. 

A collateral complaint has also been filed with the State of Michigan Office of the Great Seal.