davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2017-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

My house appraisal is at 250k+.i owe XXXX on my house, Still PennyMac insists on charging me for mortgage insurance.I want mortgage insurance canceled since i have 120k+ equity in my house.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

On XX/XX/18 to a MoneyGram location to send {$300.00} to a recipient in XXXX. I provided all identification for verification required and paid any required fees in addition to the {$300.00} in cash. According to the service advertised and selected, the money was going to be available in 10 minutes the same day ( XX/XX/18 ). 

When the recipient went to pick-up the money the next day ( XX/XX/18 ), he was told he does not have the correct reference number. surprised, I then sent him a picture of the receipt which bared the same reference number. The recipient went back on XX/XX/18 to pick-up the money and was told that in fact the reference number was correct ; however, MoneyGram has blocked the disbursement. I called MoneyGram customer service the same day to inquire on why the money was not available as promised, and was taken through a lengthy ( and abusive ) verification on the phone without providing me an answer on the were about of my money. 

I ultimately ended the phone call, went to the store, and cancelled the transaction for a refund on XX/XX/18.
Consumer complaint received 2023-03-21
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. (AR)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 These companies have violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction. 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. 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 2018-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (LA)

I had a gym membership with XXXX XXXX handling the financial deductions from my account. I canceled the membership according to their requirements and had an email from them stating I had met requirements, and it stated the last day that money would be taken from my account. They continued to deduct for two months after that. I had my bank stop payments and it was reversed. The company again took XXXX dollars from my account the next month. I had sent numerous emails to this company and talked to them on different occasions. I then had correspondence from the company telling me I did not meet the requirements to cancel. I sent approximately 30 emails with proof of my requirements to cancel in addition to what I previously had sent them. They sent a different email that changes their requirements to cancel. It had changed from the previous one. I sent them a copy of the original and circled it for them!! I also filled complaint with XXXX And talked directly to the gym. I finally got an e-mail from XXXX that it was resolved and nothing further was needed. Then after my bank had reimbursed XXXX dollars, it was reversed and disputed by XXXX and they got that money back!! So they still owe me {$120.00} dollars. This practice from this company has continued for too long. XXXX knew exactly which company it was before I told them.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I have disputed some errors on my credit report regarding two XXXX XXXX accounts. These XXXX accounts were paid in full years ago but are now reporting recent late payments in XXXX, XXXX & XXXX. This is a complete error and needs to be deleted immediately. Experian and XXXX are the two bureaus that are reporting this error.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

As described to XXXX XXXX : XXXX XXXX XXXX Account was used fraudulently by my previous roommate, ex boyfriend. I sent this bank an affidavit and called s number of times. Over XXXX in Fraud Charged
Consumer complaint received 2018-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

Repeated attempts to validate alleged debt, sent certified letter XX/XX/18 and XX/XX/18. Convergent Outsourcing fails to provide proof of alleged debt and continues to make false report to credit bureaus of inaccurate information. Spoke with XXXX lead supervisor at XXXX who stated the account was closed and no longer in the office as of XX/XX/18 but refuses to send confirmation in the form of a letter requested that the account was removed from their office. I called everyday for 5 days and no one will direct me to the correct person who handles these matters. Please remove from all 3 credit bureaus this is reporting to. This is a violation of my rights to report inaccurate information on my credit report.
Consumer complaint received 2018-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BB&T CORPORATION (AL)

On XX/XX/XXXX, applied for an auto loan but not with BB & T with XXXX XXXX XXXX ; however, I received a denial from BB & T that my credit score is XXXX ( correct ) and that : I have Serious Delinquency and Derogatory Public Record or Collection - not true. The only collection is an old medical bill that has been disputed several times and removed from Transunion. 

Proportion of Loan Balances to Loan Amount is Too High -  this is a bald-faced lie! ( See attached ).

Excessive Loan to Collateral Value - this is a bald faced lie. The car I thought I had purchased is a XXXX XXXX XXXX with only XXXX miles at a XXXX XXXX Book Value of {$22000.00}. This car was sold for {$18000.00} with a XXXX XXXX XXXX trade-in with a value of {$6000.00}. 

Excessive Obligations in Relation to Income - another bald-faced lie! ( See attached ). 
All my student loans are in forbearance and the bulk of them are on IBR with a $ 0 monthly payment. 

I have always had a problem with this bank even for opening a simple checking account. 

This consumer is requesting a fair assessment of my credit.
Consumer complaint received 2018-11-03
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 recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.
Consumer complaint received 2020-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

IC System is reporting a false charge of {$400.00} that they claim i owe XXXX XXXX XXXX. IC System will not stop calling me and emailing me for this money. I have already explained to the reps that i never had a direct tv account or any XXXX  account for that matter. I sent letters to IC system and XXXX XXXX and still continue to get harassed and falsely reported.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

There are five invalid transactions showing on my bank statement and I would like to get it fixed as soon as possible. On XX/XX/XXXX, {$20.00} was deducted for American wager XXXX NY, which I am completely unaware of. Second transaction occurred on same day, it was {$5.00} deducted for XXXX XXXX Third and fourth transaction took place on XX/XX/XXXX. It was {$25.00} that was deducted for XXXX XXXX XXXX XXXX and {$5.00} was detected regarding XXXX XXXXs. Last but not least, today a new transaction occurred for XXXX XXXX  and it was {$25.00}.
Consumer complaint received 2020-06-04
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. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2019-03-30
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: Experian Information Solutions Inc. (AK)

To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/XXXX, XX/XX/XXXX asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statue of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.
Consumer complaint received 2018-11-03
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: CAVALRY INVESTMENTS, LLC (KY)

Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.
Consumer complaint received 2022-03-30
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: Santander Consumer USA Holdings Inc. (NY)

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 a account without my written instructions
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Stayed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX a transaction to my credit card for the full amount was processed. As of XX/XX/XXXX there are still two pending transactions on my Citibank credit card for XX/XX/XXXX {$160.00} and XX/XX/XXXX {$65.00}. Contacted Citibank and XXXX and both companies point fingers at each other that is the responsibility of the other to remove the pending transactions. It is affecting the amount available on my credit card limit to be used and I have had transactions refused because of this. 

Spoke with XXXX in Accounting at XXXX and XXXX and XXXX at Citibank on XX/XX/XXXX starting at XXXX XXXX  EST.
Consumer complaint received 2022-03-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (LA)

I was contacted by a third party student loan debt department located in California so they say called XXXX XXXX. They offered to consolidate my student loan debt and take it off of my government approved loan provider. It sounded promising at first and desperate as I was to help myself with my {$15000.00} debt of student loans I signed some forms and was willing to pay a starting fee of {$150.00} for them to begin a process to put me in a repayment program. This was done yesterday. They changed my password for my fasfa and I was currently waiting approval. This morning I did a little research on the company and a majority of what appeared was about debt scams and one of the red flags people talked about was an upfront fee of {$150.00} just like they offered to me to begin. I contacted my loan provider Great Lakes this morning and they told me that the repayment plans they offer are free and it was most likely a scam. My fasfa has a lot of my personal information in the system so I changed my id and password. I contacted my bank and notified them that once the {$150.00} is charged Ill contact them again to stop payments to whatever provider is charging me. I feel like these student loan forgiveness programs have been trying to catch me since 2016. They all say their companys are located in Cali. Some offer to transfer you to a representative once they have basic info but this one handled everything by himself. Bashing any known and certified government loan provider that they will help you benefit more than others.
Consumer complaint received 2022-03-30
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 (MI)

On XX/XX/2022 I applied my credit for a loan online through Navy Federal Credit UNION. I was immediately denied for whatever reason. I called XXXXXXXX XXXX,2022 and spoke with a spokesperson asking why I was denied my own credit. She said that its an overall review of my credit ( which I have good credit, 100 percent payment history etc ). But what law states that Im subjected to a score? Under the U.S. Code law, the powers and duties of banks are Borrowers and I should never be denied my own credit. Banks take my information and sell it without my consent. No consent is identity theft! I am the original creditor because I am the only one who can extend credit. Again, I am the original creditor!
Consumer complaint received 2022-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I have banked with Suntrust Bank for years and have always had the free checking and savings account. Now Suntrust and BB & T Bank have merged and has now become Truist. So now my checking and savings account has transitioned over Truist accounts. I see that my savings account was transitioned over to some type of money market savings and I was charged a {$7.00} maintenance fee XXXX XXXX. I didnt get any notifications of these charges or fees nor did I even agree to this type of account. I dont want any account that I got to pay {$7.00} a month for. I called customer service on XXXX XXXX and ask about this account, the charges, a refund for the {$7.00} etc. All they did was transfer me to department after department with no help of concern. And to add insult to injury XXXX of the customer service representatives had the nerve to tell me in order to avoid being charged another {$7.00} that I would have to deposit {$1000.00} into that account, after I had already stated that I was on a fixed income and that I didnt sign up for this money money account with this maintenance fee.
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (MI)

I have asked Gm fincial for multiple help on lowering the payment I have a 19 % Interest rate and unable to afford the high monthly car payment. They now call me 2 to 4 times a day as soon as I am 1 day late on a payment this has been going on since XXXX 2017 at one point they offered me a 3 month forbearance then when I was able to actually do that they told me I was n't allowed that option anymore. I am u employeed am trying to make payments but they are not willing to work with me and just harassing me on payments.
Consumer complaint received 2017-07-05
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: EQUIFAX, INC. (SC)

I opened an account with  XXXX   XXXX    XXXX   in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX    XXXX   is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX    XXXX   account with  XXXX , Equifax, and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX   in  XX/XX/XXXX   but have not received a response.
Consumer complaint received 2023-03-21
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. (MD)

To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.