davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (NC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any items recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I was 2 months late due to hardship and this company repossessed my car before the grace period ended for the 3rd month. I never received any letters for warning. Afterwards I immediately I paid full amount due and they have help my car hostage for 2 weeks and now they dont answer any calls. 

Paid full amount due XX/XX/XXXX and today is XX/XX/19 they advise payment cleared but they wont release my car and the repo team wont answer calls. 

53 Bank 53bank.com
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (TX)

I have advised the debt collector Sequium Asset Solutions ( calling  on behalf of XXXX ) to stop calls to my work and cell number as they call repeatedly. Most recently on XX/XX/2019 they called my cell number at XXXX XXXX CST which I did not answer, and then again at XXXX XXXX CST. At XXXX I answered I told the representative I have told them multiple times to cease calls and that calling my cell number after I advise Do not Call is a violation of TCPA. She said she would update my account which can take 24 - 48 hours. ( All which I have heard before ). Then at XXXX XXXX CST ( Same day! ) I get another call. I told this representative that not only are they violating TCPA, but now they are violating FDCPA by attempting collections after already speaking with me.
Consumer complaint received 2019-10-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (NV)

My name is XXXX XXXX I called opploans on tuesday on the XX/XX/XXXX to schedule a partial payment of XXXX dollars for my loan. And when i checked my bank account online they charged me twice the full amount of the minimum and the partial payment. I have other bill payments scheduled today and their negligence will cause my bank to overdraft and my insurance company will cancel my insurance for returned payment. The only thing I want to happen is for them to put my money back to my card. My bills can not wait 1 week and they adviced me to wait one week for the refund. I need your assistance regarding this matter. Thank
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NJ)

To whom it may concern, I opened a new JetBlue Credit Card with XXXX on XX/XX/XXXX. At the time they had a promotion offering new applicants XXXX XXXX XXXX bonus miles with the payment of their {$99.00} Annual Fee and purchases on the card in the amount of XXXX XXXX dollars within the first XXXX days or so. Both requirements were fulfilled well within the allotted time frame and the bonus miles should have been awarded within six weeks of XX/XX/XXXX ( the date in which all requirements were fulfilled ). As of XX/XX/XXXX the XXXX XXXX XXXX bonus miles have yet to be awarded. 

I attempted to resolve the issue with both XXXX and XXXX on XX/XX/XXXX. At the time, XXXX informed me that XXXX did not transfer over the points and that I was in fact eligible for the bonus mile promotion. When I called XXXX they opened a ticket ( reference ID is : XXXX ) to try to resolve the issue and informed me it could take up to a calendar month to resolve. As of XX/XX/XXXX no resolution has been achieved and no progress ( according to their systems ) has been made since the dispute was opened. As of XX/XX/XXXX XXXX claims that XXXX XXXX in the Rewards Department has been assigned the case but are unable to tell me whether or not the case will be resolved and under what timeframe it will reach resolution. 

I could really use help in obtaining some clarity on the hold-up or at least an update on the issue as it seems for the past month, no progress has been made.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MO)

XXXX XXXX XXXX reported balance to collection agency on XX/XX/XXXX. I received letter XX/XX/XXXX from On Line Information Services I called disputed the charges. They called me back with itemized list of charges, I contacted XXXX XXXX explained that why I cancelled my service and that their saleperson sold me a plan that wouldn't work with the previous antenna I purchased from them and that they scheduled a technician to come install and at that time the technician explained the error of the saleperson. The office manager I spoke with told me she would look into it and get back to me. I received no other communication from XXXX XXXX then on XX/XX/XXXX I received letter from XXXX that my dispute had been updated to report paid in full. Several months went by then Online Information Service contacted me again I didn't get the persons name but she spoke to her supervisor he advised I mail a copy of the XXXX  report to them and they would resolve the account. Today XX/XX/XXXX I receive a phone call from Online information service wanting me to make a payment over the phone for the outstanding balance. I explained the details of what has happened and the papers I sent and she stated I need to pay I refused. I told them I was reporting the company.
Consumer complaint received 2022-09-26
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. (FL)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX  XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (CA)

I have made several calls to Navient to determine the status of the student loan my ex spouse and I share. I am a co borrower on the loan and have been making payments for over two decades. We both are eligible for PLSF so I have been trying to obtain information about the loan status and if a forgiveness is underway and if so how will I be informed about it and or any possible reimbursement. I have called in XXXX, XXXX, XXXX and I have not had much assistance. I have an opportunity to consolidate the loan but as a co borrower I was told I can't move forward. I offered to accept the loan all together but again not resolution or discussion was entertained by Servicer.
Consumer complaint received 2022-09-26
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: NAVY FEDERAL CREDIT UNION (TX)

XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX Balance {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported navy fcu acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These TransUnion hard inquiries listed below on my credit report are fraudulent, and would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXS Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2019-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

On XX/XX/2019 sent letter requesting validation of debt, ( letter attached ) They responded back on XX/XX/19 with a copy of a XXXX phone bill with a PO box as an address, I have never had an count with XXXX or use of that PO bOx listed.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synter Resource Group, LLC. (KY)

The letter is stating we owed {$290.00} + XXXX total {$330.00} We don't know anything about this bill. 
customer account XXXX our file number XXXX XXXX XXXX XXXX Synter Resource Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

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 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TN)

I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.
Consumer complaint received 2019-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

My student loans through Navient keep getting put in " Administrative Forebearance '' and interest keeps compounding. I have been paying these loans for close to 20 years which included wiping out a XXXX 4O1K retirement account to keep up on these loans. It caused a bankruptcy as well. Now I have the means to pay them off but the Forebearance interest is lowering my credit score monthly as that loan, I can not make payments on. I have tried to negotiate a settlement with Navient and was told by them that while they are being sued, they can not settle any loans. So now I am stuck with a loan that has compounding interest that I can't make payments on.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been sending letters to the Credit Bureaus for months about items on my credit report that's not mine and they have been saying that they aren't receiving the letters. I know they have and when I call they say that the items are being verified, which I know that's not trust.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (FL)

Recently, I experienced significant discomfort and pain in my teeth, prompting me to schedule an appointment with my dentist for a thorough examination. After careful evaluation, it was determined that the source of my discomfort is directly linked to a XXXX XXXX, which has been attributed to the use of XXXX XXXX XXXXXXXX XXXX. I have been a customer of XXXX XXXX XXXX and have been diligently making payments for their XXXX XXXX. However, discovering that their product has resulted in XXXX XXXX is deeply concerning and unacceptable. So since the company went bankrupt there is no service they offer to help me.
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: JPMORGAN CHASE & CO. (HI)

Upon reviewing my updates, the incorrect information ( inaccuracies ) was still found on my reports, which I believed has been taken care of due to the multiple written appeals I sent as well as phone calls made to XXXX. I often get dropped calls. No response was ever received from them to date. Thus, their action has violated the Privacy Act of 1974 and the Fair Credit Reporting Act as follows According to Internal Revenue Services a charge of is a cancellation of debt, certificate of indebtedness, and is reported as income. Income is not to be reported on credit reports but should be reported to the Internal Revenue Services.

16 USC 313.1, 16 CFR 31 After having opted out, my information has continued to be shared and posted on my report by these reporting agencies 15 USC 1681a ( d ) ( 2 ) ( i ) does NOT include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 USC 6802b, as I have informed the credit reporting agencies XXXX, XXXX AND XXXX that I have opted out with various companies to NOT share my information. 

15 U.S.C 1681 can not report inaccuracies and also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 1681b in accordance with the written instructions of the consumer, which has been provided to each financial institution and reporting agency 15 USC 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized.

The Privacy Act of 1974, 5 USC 552a, my privacy has been violated.

15 USC 1681s, 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. the information is, in fact, inaccurate.

The following items listed below are still reporting on my Credit Reports and need to delete and or updated immediately and indefinitely as follows
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

I have not received the new account sign up bonus of {$500.00} which I was promised would be deposited into my account within 30 days of meeting all qualifications. That 30 days is over and I still have not received the bonus. So request you to give me the bonus. The offer code I used while opening this account is XXXX. 

I contacted customer service twice. First time they said I had to wait 45 days instead of 30 days to get the bonus which is not true because the offer code emailed to be my the bank clearly says 30 days ( email attached ). Second time the customer service said the offer code is not attached to my account which is also not true because the application printout given to me by the banker at the time of opening the account shows the offer code attached ( printout attached ). Basically with Wells Fargo I am getting a different answer from different agents who are clearly clueless.
Consumer complaint received 2019-08-03
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: Exeter Finance, LLC. (GA)

My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting  my credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my  credit score to  be impacted.
Consumer complaint received 2019-10-18
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: FACTUAL DATA CORP. (WI)

i tried to sign up for a credit card on the XXXX of XXXX and they did a hard inquiry on the XXXX as well. 
and some factual data ones i dont reconize at all on XX/XX/XXXX and XX/XX/XXXX that i didnt do as well ill send a screen shot of the ones in question that was done
Consumer complaint received 2019-10-18
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: EQUIFAX, INC. ()

Years ago Equifax current personnel deleted my current address of that time. Since then they have not permitted me a copy of the report related to me. Even though I have a registered user name and password with Equifax! 
Calling in, they ask usual ID questions, OK. Then questions of erroneous information are asked, to which I answer none of the above. Then I was denied access, for which I am told to send in information of a certain format via snail mail. I did, with extra supportive documentation. Then I was told that the documents were not excepted. Hung. 
This problem persists today, their errors unresolved. 
Past addresses of record were in XXXX, XXXX ( a mail service only - used for many years ), and an address in XXXX, XXXX ( street has varied slightly ). 
My present physical address is in XXXX. For this I presented documents of passport, Homeland Security ID, XXXX residency card, XXXX driver 's license, and utility receipts. They still did not complete the update. 
I have physically lived in XXXX for 23 years. Now I have been informed of a new erroneous collection on my record related to supposed service in the USA, when I am not in the USA. 
Further, Equifax has no authorization in XXXX. 
Equifax documents related to my consumerism should only be historic. 
Additionally, I have been informed that I am a victim of the Equifax XXXX data breach. For this I am entitled to additional services and compensation. 
Due to the above information, on XX/XX/XXXX, I clicked an Equifax link to spot check the Equifax credit score supposedly related to me. Equifax error again - this link enrolled me in Equifax Core Credit service. I received an email to that affect informing me that for this I am not eligible for my lawful free credit report copies.
Consumer complaint received 2021-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

My credit card with US Bank was suspended because of suspicious charges. Before being notified, I noticed the- charges and attempted to contact bank on XX/XX/21. I could not be connected to fraud specialist at the bank. I sat on hold for XXXX minutes+. I called daily several times a day until XX/XX/21. I waited for 30 minutes+ and was never connected to a person. I went to the physical bank in XXXX XXXX, il and talked to them there. I was told that I had to call fraud prevention to remedy my problem. I tried calling again.and was never connected to a person. This is the XXXX time my credit card has been hacked this bank. I fear that there may larger data breaches happening that put consumers at risk. Also, I am not sure how to try to remedy this situation if there is no way to contact US Bank. Any help would be greatly appreciated! Thank you.