davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

My credit card account from XXXX is not reported to Experian credit bureau as XXXX and XXXX is reported. 

I am still waiting on this account record to be updated to reflect accurately on my credit report. 

Please Help! 

I notified XXXX on letter dated XX/XX/XXXX. 

I notified Experian on certified letter dated XX/XX/XXXX. 


I have enclosed documentation and my authorization to investigate this matter.
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (SD)

I was served a summons on XX/XX/25 by a XXXX XXXX at XXXX XXXX XXXX XXXX  in Minnesota for a Target credit card debt. There is no case number but states it is a legal document filed at the South Dakota XXXX court. I called the XXXX clerk of courts and there is no case filed so I can't even file an answer to it. It also states that I will have a judgment against me if I don't respond. 
I allege that this violates the FDCPA in regards to I have no way to legally file an answer and it is threatening me with a judgment when there isn't even a legal case nor do they have the right to assume there would be a judgment since they are not guaranteed one if they do file a case.

-The use of false representation or deceptive means to collect or attempt to collect ant debt or obtain information concerning a consumer.

-The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

-The false representation or implication that documents are legal process.
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

On or about XX/XX/2021 my Fall School Federal XXXX XXXX and my Federal Student Loan were accidentally deposited by XXXX  XXXX into a closed USAA Checking account that belonged to my Brother XXXX XXXX which I was on as a user per his instructions. However, he passed away in XXXX and USAA had closed the Checking account and turned over to another company to collect from XXXX XXXX estate when it was settled. 
Instead, USAA reopened the account long enough to take almost XXXX of my money that was to pay for my college XXXX semester and the took my money. I called numerous times, sent emails to CEO explaining that they had taken Federal Grant and Student Loan money and if it was not fixed I would be forced out of college and they said nothing could be done. So a former service member is now kicked out of college because of an error by XXXX XXXX  to begin with for depositing to a closed account which USAA knew it had my name only on the deposit. I am now forced to pay for a student Loan that I can't even get to take the classes for. Such a shameful origination that claims to cater to former service members but that's a lie.
Consumer complaint received 2021-12-11
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. (MI)

Equifax has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Equifax my written consent to do so. Equifax is in violation of the USC LAWS listed below.

Equifax, please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

My personal bank account with BB & T became overdrawn as a result of automatic debits. I attempted to login to my bank account to stop those. The bank had removed the ability for me - the client - to stop those without notifying me. I contacted the phone service with the bank after futilely searching online. By the time I did, the fees went through the roof. I met with bank employees and they were not able to reverse the fees. Now the bank has closed the personal account and taken money from a business account with the same bank. The bank has made it impossible for the client to manage overdrafts online. It appears to be a scam to simply charge outrageous fees.
Consumer complaint received 2021-08-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have reached out to first XXXX XXXX XXXX and Experian about the NON REPORTING OF TWO PAID OFF AUTO LOANS. 

I have attached pay off letters, emails from the supervisor at XXXX who explained they have reported my information to be posted on my credit report but yet it is not showing. By federal law the credit bureau and financing companies can not withhold the reporting/credit of financial obligations ( auto loans ) from being posted on my credit report.

PLEASE HELP ME GET THESE TWO PAID OFF AUTO LOANS THAT ARE POSTED N MY XXXX  AND XXXX  REPORT TO ALSO BE REPORTED TO MY EXPERIAN REPORT.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (MI)

On XX/XX/XXXX XXXX XXXX in his response to my previous complaint filed with CFPB stated that my " loan has been placed into the modification review process, with the underwriting process anticipated to commence within the next several days. 

It has been 53 days since my loan has been placed into the modification review process and 1 MONTH since XXXX XXXX XXXX reply stating my modification will be completed " WITHIN THE NEXT SEVERAL DAYS ''. So far nothing has happened - No loan modification approval documents have been posted on my account and no one has called me letting me know Ive been approved. 

On XX/XX/XXXX I emailed XXXX XXXX asking for an update on my loan. He replied on XX/XX/XXXX stating that there has been a delay for an unknown reason and will provide an update in the next few days. 

Its been 10 days since his last email email. I have sent 2 follow up email since and have yet to hear from him. I have no update and no knowledge of what in the world is going on. So here I am again, resubmitting a complaint that was never resolved in the first place and falsely closed.
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am on XXXX and my XXXX check came in late in XXXX it came on the XXXX instead of the XXXX and payments came out of my bank account that were charged late payments so I did not have the money to pay my mortgage that month I contacted the mortgage company and they put me on a covid relief thing and gave me until XX/XX/XXXX to catch up without interest so I did not pay the month of XXXX but I paid XXXX I went to the homeless coalition for XXXX and they paid that in the beginning of XXXX and then I made my XXXX payment. my family helped me and made 2 payments. I have made eight payments myself. In 11 months there has been a total of 11 payments.. every single month they harass me. they're adding on late charges they keep saying I am behind and I can't seem to get through to them they just won't listen they've hung up on me I'm just so frustrated and it's every single month and I'm XXXX and I can't handle this anymore I'm fighting hard enough to survive on XXXX and they keep saying this payment went to this month and this payment went to this month instead of just making this simple and seeing that I paid 11 months for 11 payments they claim the month of XXXX that they sent me a check back after I paid in full and I never received the check and I never cashed it and they said that was resolved and now they're bringing it back up I don't know how to resolve this I can not work with the company they they keep telling me I'm behind adding on all kinds of fees. They are ruining my credit and every single month I have to call and every month they tell me a different reason. I talked with a supervisor back in XXXX that figured out they sent me my XXXX payment back. XXXX  I don't know why they would have done that when I was paid in full and I never received a check and I never cashed it and I asked him to investigate to see if that check was ever cashed and they couldn't seem to figure out how to do that so they sent me another check and he told me to just send that back. That just confuses everything I was paid for XXXX and I never received a check back for it it was never cashed if they sent one would have solved everything and they said they were investigating it and everything was all set next month telling me I owe something else again different month simply paid XXXX and then I made 11 payments since then and that is a total of a year I am not behind and they refuse to just simply check the amount of months to the amount of payments. 
i have attached my bank statement showing 8 payment then add the 1 from the homeless coalition that helped me in XXXX and the 2 payments my family made in XXXX. That is 11 payments for 11 months. I also attached what they have sent as my payment history. I can't even understand it. I have had this morgage XXXX  years and never missed a payment till XX/XX/XXXX.
Consumer complaint received 2019-08-06
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. (FL)

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXL, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX and XXXX
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

I tried to log into my crypto account with Gemini on XX/XX/XXXX but was told my account was frozen. I reached out to Gemini support for assistance and after sending them the requested information that included a picture of me, my ID, that days date and ticket number but havent heard anything back from them.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

During the time I lived in the property my family began to wake up with bites on them first the children then I and my husband. I went to the office to notify them and there were other tenants there making the same complaints bed bugs I immediately asked that they exterminate. They informed me I would be billed for the extermination because the exterminator knew this was an ongoing issue he exterminated for free I informed the office manager I would like to move immediately I went into a month to month lease to ensure I properly moved out within 30 days. They were aware I was moving in 30 days this is why I did not sign a new yearly lease but went to a month to month lease in order to properly vacate the premises after 30days. I contacted them about my deposit I got into a dispute with the manager and she informed me she will be sending a bill and also acted as if she had no idea I was moving although she knew about the move out as well as the bed bud infestation the complex was battling she then killed us for things that I know weren't true we did not wear shoes in my home there is no way the carpet needing cleaning we threw all of our belongings away so to the infestation of bed bugs. I could not take a chance on having my 10 mos old baby be bitten by bed bugs. I was also living in the apartment for over a month with no keys I informed them in XXXX that my keys were lost and was never cut new keys and was expected to return them at the time I moved I was going to work with my door unlocked. The month to month addendum was our written notice to vacate we asked what was needed in order to do so and singned the new lease in order to vacate within 30days after contacting the office the debt that was owed increased please see attachments.
Consumer complaint received 2022-12-16
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: NAVY FEDERAL CREDIT UNION (MS)

The creditor NAVY FEDERAL CR UN is furnishing FALSE credit information to a third party ( XXXX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency XXXX is negligent in their duty to investigate this disputed information for NAVY FEDERAL CR UN opened XXXX XXXX for {$1100.00}, NAVY FEDERAL CR UN opened XX/XX/XXXX Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title?

Has insurance been filed for this account?

Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the XXXX XXXX XXXX and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. XXXX is furnishing late payments on an extension of credit on behalf of NAVY FEDERAL CR UN. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including XXXX in a XXXX along with NAVY FEDERAL CR UN!
Consumer complaint received 2022-09-26
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)

TransUnioun was notified several times on XXXX of unauthorized accounts reporting on my consumer file.However on XX/XX/2022 they claimed they verified XXXX XXXX XXXX XXXX {$170.00}, XXXX XXXX XXXX XXXX {$250.00}, XXXX XXXX SERVICES XXXX {$930.00}, XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX ; {$2100.00}. I Requested how they verified these accounts if they never Pursuant to 15U.S, C 1681 ( a ) ( 4 ) they did not insure that the information was ; is accurate, and they did not exercise there grave responsibility with fairness and impartiality, TransUnion took one side of the story and never consulted with me to find out if the transaction even took place. As a result of this my privacy was breached and violated my rights to privacy. It is a fact that I am a Natural person pursuant to 15 U.S.C 1692A ( 3 ). I never gave TransUnioun written or verbal communication to report inaccurate errors on my consumer report. This has undermined my confidence in TransUnioun as a Reporting agency.
Consumer complaint received 2022-03-27
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXX  Account # XXXX 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 15 U.S.C 1666B : 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 2021-12-10
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: Conn's, Inc. (TX)

I'm filing a complaint against Conn Credit Corp. After reaching out on numerous occasions to resolve this dispute my letters were returned. In XX/XX/XXXX I rented a washer and dryer from the company and continued to make monthly payments until the account was paid off. Conn continues to report negatively late payments in XXXX and XXXX. I contacted them XXXX  months ago to request they stop sending me advertisements or flyers because I'm not interested in purchasing anything else with their company and they have not removed the late payments from my XXXX Credit Report. My account was open in XXXX and the last XXXX numbers of my account number is XXXX.
Consumer complaint received 2022-12-16
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. (CA)

I opened file # XXXX with XXXX with XXXX XXXX ( representative ) on XXXX @ XXXX. XXXX told me there's nothing he can do but alert the creditors. I told him I already done that, which is why I was calling to see if there's anyway I can dispute the inquires and inaccurate information over the phone. Since, I also can't do it online. He said again, they do not investigate anything, they only request the consumers to wait for a response from the credits. Which I have been doing for 6 months and still haven't heard back. The inquiries are below which are fraudulent which XXXX is refusing to do anything about : XXXX 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 

I Also requested that he review the document, I mailed to him about XXXX which XXXX is reporting that I was late on XXXX ; XXXX ; XXXX. When I requested payment deferrals and extensions with XXXX, who stated in my contract they do not report those as late to the credit bureaus. XXXX also said they never received my disputes that I did with Experian, XXXX, and XXXX, which I've done multiple times. So XXXX, Experian, and XXXX in those disputes validated that XXXX provided information again and they validated that information, However XXXX is claiming in the letter they never received any dispute requests for validation from the credit bureaus. So, these credit bureaus are in violation of FCRA. Considering, they only validated based on old information and did not conduct an investigation as required by FCRA. The credit bureaus did not even respond to my requests that I wanted all info mailed to me. Because they never conducted a thermal investigation as required by law. 

I included all personal verification required to complete an investigation in this complaint. So, the credit bureaus can not say they don't have information to verify me.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This issue was not only NOT resolved but there was no evidence of a thorough investigation as well as credible references. This company is extremely untrustworthy. They have over XXXX disputes against them.
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/2022 I sent a debt validation to Midland Credit Management , Inc. about 3 alleged debts ( from XXXX  XXXX, XXXXXXXX XXXX and XXXX XXXX ). They only responded about one account and did not provide proper proof. They have illegally obtained debt from 3 different companies and have violated my rights under 15 USC 1692.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # xxxxxxxxxxxx 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 an account without my written instructions