davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello I just received my credit report back from XXXX and Trans Union regarding my personal information and it seems they were able to fix some things but missed a few things I would like to have cleared up, for I would like to have my credit report 100 % correct as per FCRA, for future financing. 

XXXX ) XXXX has my wrong name still under section - " ALSO KNOWN AS '' : XXXX XXXX which is 100 % incorrect, I do not know who this person is and it needs to be deleted off my credit report please. My Correct Name is XXXX XXXX XXXX and should be the only name listed, I have no aliases. 

XXXX ) XXXX has a wrong address which is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I looked it up on the property appraisers site and a " XXXX XXXX '' once lived there but I never have. Please remove this address. 

XXXX ) XXXX has NOTHING under Employment, My Employment is : " XXXX There Do I See My XXXX XXXX " XXXX XXXX Trans Union Still has many wrong names : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..ALL those names are wrong, my name is " XXXX XXXX XXXX XXXX and should be the only name listed, I have no aliases. 


My Correct Information that should only be showing is Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX SS : XXXX Employer : XXXX There Do I See My XXXX XXXX DOB : XXXX Thank You
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bay Area Receivables, Inc (MS)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MS , XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. 

BAY AREA RECEIVABLES ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt.

This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested.

This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you.

It would be ideal if you provide me with teh following : * What the money you say I owe is for : * Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
Consumer complaint received 2019-07-16
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. (GA)

There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.
Consumer complaint received 2019-07-16
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. (GA)

There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.
Consumer complaint received 2022-10-15
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. (MI)

I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate.

Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.
Consumer complaint received 2023-03-24
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. (TX)

The current status is all wrong and is greatly affecting my credit profile. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX in the payment history section XXXX is reporting 20 late payments, Equifax is reporting 18 Late payments, and XXXX is reporting 16 late payments. Now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

In XX/XX/2019 we entered into a legally binding agreement with Suntrust to begin a Trial Period plan which was required before completing formal loan modification. Suntrust provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XX/XX/2019. 

After applying for a new mortgage recently we were denied because Suntrust reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with Suntrust during those months and were following detailed instructions which included making trial payments. In addition Suntrust reported different information to XXXX  than they did to XXXX  & XXXX. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and XXXX. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I found one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. 

The 6th Circuit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : XXXX
Consumer complaint received 2020-02-26
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: Resurgent Capital Services L.P. (MI)

This complaint is in regards to the fraudulent reporting of LVNV FUNDING LLC on my credit reports. I have contacted this company several times and nothing has been done to remedy the situation. I have attached credit reports which reflect the inaccuracy of their reporting along with the dates and the amount they claimed is owed.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (VA)

XXXX & XXXX Check number XXXX was written to me by XXXX XXXX XXXX ( my wife ) on XXXX XX/XX/XXXX. I deposited the check to my Pentagon Federal Credit Union ( PENFED ) checking account, via ATM at XXXX XXXX, VA on XXXX XX/XX/XXXX. XXXX & XXXX indicates the check was cleared on the same day ( XXXX XX/XX/XXXX ). Subsequently the check was presented to XXXX  XXXX XXXX on XXXX XX/XX/XXXX. PENFED received a PAID ( duplicate item ) adjustment from the Fed on XX/XX/XXXX and did a debate adjustment on XX/XX/XXXX. PENFED reversed the deposit while XXXX & XXXX debited my wife 's account. I have attempted to resolve this issue with both PENFED and XXXX & XXXX, without success, with both institutions indicating the other would have to act. Copies of the check with both the PENFED stamp and the XXXX  XXXX XXXX stamp are available upon request. 

The last time I physically handled the check was on XXXX XX/XX/XXXX when I deposited it in the ATM. How it was deposited a second time does not seem to be of any interest to either institution.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Tuesday XX/XX/2021 XXXX These issues started between XXXX and XXXX of 2021 when transitioning from one bank to another because of over average over draft fees. In changing over my bill payments to Fifth Third Bank I got a form sent to me to start having my payment come out of my XXXX XXXX XXXX XXXX account on or before the XXXX of each month. I was later told by a bank officials that I must also apply online as well for payment drafting from FTB which I said didn't make sense but I did applied online to. 

I wasn't sure that everything would have went through successfully by XXXX, so I sent a payment in from a money order that I got from the currency exchange, but after looking at my account I noticed that the payment was taken out on top of the payment I had mailed in. 

I went to Fifth Third Bank and informed them as to what was going on with the double payment and I was instructed to cancel the debit on her computer and I wouldn't have this issue anymore. I also call my insurance company and informed them as well and I was told that I would receive a payment back in the mail, but the double payment continue to come in up until XX/XX/2021. 

My last memory of putting more funds into my account was on or about XXXX or XXXX at which I had a low balance until XXXX XXXX XXXX XXXX sent in another payment which put my account into the negative. My account is a XXXX because Fifth Third Bank never put my funds back into my account as promised to me several times. So I have not put any funds into my account knowing that anything that I put into my account would be eat up because of the negative balance. 

I'm looking forward to a speedy response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-26
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. (CA)

I applied for a XXXX credit card today XX/XX/2020 and I was not approved because there is an account in negative standing appearing on my credit report. This account is not mine ; I did not open this account nor have I ever allowed anyone to open this account on my behalf. I'm not sure who opened this account or how this person got a hold of my personal information. I did not make any purchases or payments towards this account nor am I affiliated to this company in any way. I have filed this report to the best of my knowledge and I have also already filed a police report regarding this account.
Consumer complaint received 2023-02-10
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. (GA)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under XXXX XXXX Code XXXX ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under XXXX XXXX Code XXXX ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2016-03-19
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: World Acceptance Corporation (IL)

First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc. (MS)

Numerous calls from various agents of this company, weekly, for the past 3 years to my place of employment. I have told them repeatedly that they were not allowed to continually call and they were not allowed to give messages to my coworkers and subordinates, yet they continue to do so. Today, they left another message with one of my subordinates and I decided to file a complaint because it seems to me that they are seeking to embarrass me at my place of employment. The company is FH Cann & Associates. The number they are calling from is usually XXXX. But they have called from other numbers.
Consumer complaint received 2015-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (MD)

This must be illegal. I continued to dispute this alleged debt, and they continue to tell me that they are not reporting this debt nor trying to collect on it, but I later receive this communication from RESURGENT, concerning the same debt that I disputed with LVNV Funding LLC four moths ago. Now RESURGENT, has refused to reply to my Debt Validation letters, send me the requested documents showing my signature on a contract. Now they continue to call my phone over and over all day, threatening to call my job, file a Civil Action against me. Please investigate this company illegal acts
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (MO)

My wife and I were both customers of the online bank named Simple that was backed by BBVA. BBVA was, I believe, acquired by XXXX and decided to shutter Simple. We were informed all of our accounts would be converted to BBVA or need to be closed. As soon as a new financial institution was chosen ACH transfers were initiated and were completed. I began what turned into multiple attempts to contact BBVA to close both of our accounts as well as our joint account. Three days in a row I sat on hold for WELL OVER an hour ( the first day I called multiple times and the results were the same ) while consistently told my time was important to them. Each time the line would eventually pick up ... only to drop the call and hang up on me. This same process happened the week following as well. Given my accounts had clearly been emptied and they weren't concerned enough to properly staff I gave up expecting that they would simply close the accounts. 

I've since received overdraft fees ( which would not exist were I able to close my accounts ). I again attempted to call but now BBVA will only answer calls during normal business hours. Given that I work during those hours as well that's not feasible. Even if I could find the time to do so it would be at my expense during MY business hours. I do not have an online account with BBVA as I never intended to be their customer. 

Frustrated, I sent a certified letter via USPS instructing BBVA to close both my account as well as my wife 's account. This was received by BBVA as can be confirmed with USPS tracking number : XXXX. 

As they continue to harass me with mail I would like to let BBVA know that we know that life gets busy and the unexpected happens. They can contact me after XXXX CST to the phone number they would have on file. Their failure to complete a conversion process for myself and many others ( per the non-stop string of complaints visible online ) is not my fault. THEY are a BANK. This involves peoples finances which include things like ensuring they can pay for medical care, cover their mortgage, and all the various things we rely on banks to provide. BBVA failed their customers ... of which we never intended to be. We were Simple customers and attempted to leave per the methods THEY informed us to take. I simply refuse to expend additional personal time ( at MY financial expense ) on something that was not of my own doing. I attempted to close accounts as I was instructed to do so. My accounts were empty. We took every reasonable action AND BEYOND to prevent and further STOP additional actions.
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I received a cashier 's check to perform a XXXX XXXX survey. The survey included buying 2 money orders in the amount of {$1000.00} each and XXXX   gift cards for the total amount of {$500.00}. I subsequently found out that the cashier 's check was a fraud and my bank deducted the amount from my bank account.

I contacted Moneygram immediately after and was instructed to email the claim forms and requested a 48-hour expedited processing of the claim. I sent the email on XX/XX/XXXX. At that time, Moneygram indicated that someone did try to claim the money orders and it was under review. I was told to wait 2 days before confirming that the email was received. I informed Moneygram that the person trying to cash it is a fraud, but Moneygram indicated that they can not place a note about the fraud. Called Moneygram on XX/XX/XXXXand XX/XX/XXXX and was told to check again later. Resent the email with claim forms on XX/XX/XXXXand also sent a fax.

Contacted Moneygram today,XX/XX/XXXX, and was told that the money orders were cashed on XX/XX/XXXX Moneygram will not explain why they only received the faxed claim, and not the email. They are not explaining why they never got the email sent to the email address they provided. They cashed the money orders despite having been informed that it was a fraud.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information