davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/17 there was a Counter Credit Deposit of {$8500.00} and on XX/XX/17 a Counter Credit Deposit of {$1800.00} that were not requested or authorized by myself but by my father XXXX XXXX without my permission .On XX/XX/17 There was a withdrawal of {$100.00} at XXXX ATM in Washington DC , on XX/XX/17 Return Item Charge back of {$8500.00} and another ATM withdrawal of {$1000.00} at a XXXX ATM in XXXX XXXX , MD, all of which I was not present for. During the time of these events I was a on campus student at XXXX XXXX XXXX but on my XXXX  XXXX XXXX acct I used my mother and fathers home address. I left personal info such as mail and birth certificate and social security at my fathers address because I did not deem it responsible to keep at a campus where other people would have access to my locker. At some point my debit card was left home when I visited for a weekend and My father utilized my personal information in order to have money sent to my account, one of which was a fraudulent check of {$8500.00} which caused my bank account to be closed. There has been fraud placed upon my name for actions I did not partake in and it now hinders me from applying for most credit.
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Data, Inc. (WI)

Was in car accident have not received these bills or any information accumulation of over 50,000 $ had insurance at the time and received nothing not even sure if they tried to run my insurance this is the first Ive seen of it and it took place around 4 yes ago
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

What Happened? 
This complaint is regarding XXXX XXXX XXXX XXXX XXXX. Hereafter referred to as XXXX, XXXX. XXXX, XXXX is attempting to collect a debt. In which they say I, XXXX XXXX XXXX XXXX XXXX owe XXXX XXXX and Portfolio Recovery Associates a total amount of {$5200.00}. On XX/XX/2024 I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from XXXX, XXXX on XX/XX/2024 requesting me to validate the debt thats owed and to provide them with a response by XX/XX/2024, and I did. I, XXXX XXXX XXXX requested XXXX, XXXX to provide me with competent evidence bearing my wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with XXXX, XXXX, and their client Portfolio Recovery Associates as an obligation to pay their client. This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. I never received a response as of today XX/XX/2024. 
On XX/XX/2024, XXXX, XXXX and their Client Portfolio Recovery Associates violated my consumers rights FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. XXXX, XXXX and their client Portfolio Recovery Associates utilized unfair deceptive illegally practices by garnishing my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadline, XX/XX/XXXX to disputes these allegations in which I did via certified letter. 
Furthermore, I, XXXX XXXX XXXX never received a response to the certified letter I sent which they received on XX/XX/2024 nor a notice from the XXXX XXXX XXXX or Law Firm prior to XX/XX/XXXX. XXXX, XXXX and their client Portfolio Recovery Associates filed a lawsuit against me with the XXXX XXXX XXXX XXXX XXXX : XXXX ) via e-Filing a misleading Affidavit for Financial Garnishment on XX/XX/2024. 
Once again, my rights were violated. I, XXXX XXXX XXXX was made aware of this information ( the Lawsuit-Case ) while routinely checking my bank account on XX/XX/2024 and noticed that my current balance in my accts were at a XXXX balance. I then called customer service to inquire about why my accounts are showing a XXXX balance and the representative shared that a judgement of wage garnishment was issued on my account from Portfolio Recovery Associates.
Consumer complaint received 2019-09-30
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. (CO)

TransUnion will not remove an education loan from my account that is being impropertly reported. I have filed several disputes on this, but they will not correct it. They are reporting that the loan was originated in XXXX, but the most recent student loan I took out was I believe in XXXX, and defaulted in XXXX. It would be 9 years in default, and past the allowed time to report it. I have disputed on all of these errors, but TransUnion seems to be taking the debtors word for it instead of demanding evidence of the loan 's accuracy. 

The current account information is : XXXX XXXX Current Balances of {$150.00} and {$90.00}
Consumer complaint received 2019-04-02
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)

Transunion stated verified but is reporting alleged account 2 times on credit report violation, XXXX XXXX XXXX and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT XXXX XXXX and transunion ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

Somebody open the account in my name to pay off a debt that I didnt owe it was a company I checked for work that ended up not doing the job, but billed me an put collections on me I only found out when checking my credit report so it was the workers they sent or the company billing without no accountability or check system an I never signed a work order for any work done or any receipts then they faked my name on a loan at affirm which I didnt authorize because I never replied to the spam email so they took it upon themselves to put a loan in my name an send it to collections I want justice company name XXXX XXXX XXXX
Consumer complaint received 2019-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Bank has completely mishandled this situation. USAA is so compartmentalized that they do not have any idea what one hand is doing while their customer support agents are saying something completely different.. I first called USAA in XX/XX/XXXX to dispute a charge from a merchant. USAA said thy could investigate a charge ( from XX/XX/XXXX and XX/XX/XXXX ) from a merchant, but could not guarantee a positive result. The charge is dispersed between 3 dates against the same merchant. The investigation spanned 5 months and ultimately resulted in USAA finding against me, while both XXXX and XXXX, while involved in the SAME TRANSACTION found in favor of me. I contacted USAA 3 times in writing and many many times by phone. I was always assured that USAA was " better '' than the rest, yet USAA ruled against me. The amounts were XXXX, XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Although USAA has STILL reassured me that they are on my side, their actions have shown otherwise. USAA has written-off my checking account and closed the account - to the detriment of my credit - while all along saying that they would not do this.
Consumer complaint received 2023-06-12
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On XX/XX/2019 I made a significant payment XXXX USD on my consolidated student federal loans with Navient using the custom payment option in order to pay one of my loans off. After reviewing the posted payment I noticed the payment was split between the 2 separate loans with each having an interest of 6.875 %. I made the payment in plans to cut my student loan owed amount in almost half with only 1 loan at 6.875 %. After reviewing the posted amount I called Navient on XXXX XXXX 2019 to correct the transaction and it was explained I should see the correction with 24 to 48 hr the timeframe given has passed I reviewed the posted payment again an no change so I called back Navient on XX/XX/2019 to correct the transaction again and I am now being inform that if Navient fixes the payment to reflect the 1 loan  payed off it will bring my other loan to a XXXX USD delinquent balance and customer service is unable to complete the transaction. So now instead of me having to pay back 1 loan at 6.875 % I am still expected to pay for 2 loans at a total of 13.75 %. To me it appears that Navient doesn't want me to pay off 1 loan because they will loose the extra 6.875 % interest.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXXXXXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Capital Solutions LLC (CA)

A family member was contacted by Orion Capital Solutions regarding a debt for me : I'm not aware of who they are or what they are referring to. I have not been contacted by them before and I find it concerning that they are contacting family members and possibly my employer without contacting me and without my consent.
Consumer complaint received 2019-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. 

However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report not updated. This is not my owed debt and it has caused me to be denied credit. My last attempt was a dispute sent from myself on XX/XX/2019
Consumer complaint received 2023-04-06
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)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-04-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Loan with XXXX XXXX XXXX XXXX, was transferred to Nationstar Mortgage now Mr CoopeXXXX, keep faxing for BALANCE REDUCTION LOAN MODIFICATION and keep saying that was approved, YES for REGULAR MODIFICATION NOT BALANCE REDUCTION SEE LETTER was transferred and MR COOPER still doenst want to reduce balance and keeps saying approved but was not BALANCE REDUCTION! Need to send to state and federal authorities at least make them aware since have proof!
Consumer complaint received 2018-09-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OK)

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

A dispute letter has been mailed to Ally and XXXX XXXX disputing the full amount of {$10000.00} for vehicle that Ally is requesting me to pay. Because the vehicle has been sold, I should not owe the full amount. Allys account number XXXX. 

In addition, after the vehicle was repossessed, I did not receive any notices, and after the vehicle was sold I did not receive anything showing what the vehicle sold for : below is what I should have received from the financer, but I did not receive anything. 

1 ) Notices should have states that 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. ) This notice should have been sent to me 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 was 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. 
Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the Ally states I own. 

When a finance company finances a vehicle then repossess it, they can not collect all of the money on the vehicle what it was initially sold for. Once the vehicle is sold, the finance company must provide proof the vehicle was in their repossessed and proof the vehicle was sold and how much the vehicle was sold for minus the initially sell of the vehicle. 

It is unfair to collect all the money of a sold vehicle and then ruin a person 's credit for seven-years from a vehicle that is sold.
Consumer complaint received 2023-06-12
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. (MD)

This is XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX 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 : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2021-02-15
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: EQUIFAX, INC. (FL)

This is my second attempt to resolve this issue in regards to Equifax reporting consumer credit transactions on my report. Equifax is in violation of XXXX XXXX XXXX ( d ) ( XXXX ) ( B ).
Consumer complaint received 2023-04-06
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. (NY)

My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX