davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2024-01-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (OH)

On XXXX I requested to revoke automatic payments on my loan and start making payment via the companies website. This was the response I received " This is XXXX reaching out from Explore Credit. To move forward, you need to send in the latest 90 days of your bank statements in PDF format, a photo of your driver 's license, and a selfie. Once the documentation is received, you also need to send us the revoke request in a written letter to XXXX XXXX XXXX, XXXX, GA XXXX, from your registered residential address within 14 days. If we do not receive the physical letter, your payment method will switch back to auto-withdrawal. If you have any questions or concerns, please call us back. ". Per my loan documentation that I signed this is the requirement for canceling automatic payments " " However, you may revoke this electronic payment authorization at any time by contacting us directly at XXXX or XXXX no less than three ( XXXX ) business days prior to your scheduled payment due date to allow us to process your request. If you revoke your electronic payment authorization, then you agree to make payments directly to us via other acceptable forms of payment by your payment due date above. We will provide you with XXXX ( XXXX ) days notice prior to processing a debit entry that is larger than the scheduled payment detailed above. ". Informed Explore Credit that per Federal regulation all that is required to revoke automatic payments is written or verbal communication. That was provided and the company still refuses to cancel automatic payments. On XX/XX/ they automatically withdrew money from my account after I had revoked automatic payments. The account number for this loan is XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Did not give consent to publish information on my personal credit report.

Company never sent proper verification ( proof the debt belongs to me ) when requested.

Company did not meet deadline of a XXXX  day investigation so information is to be removed legally according to my consumer rights.
Consumer complaint received 2022-04-12
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. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I contacted Transunion and the basically said if pay for their monitoring service then they would consider my request more seriously other than that they wanted more proof that I was me I am attaching exactly the letter that I sent to them along with my ID. I want this resolved as soon as possible
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sierra Credit Corp (CA)

Complete amount was paid off. Now the Sierra credit States I owe another {$38.00} and they claim they sent a notice of this which they did not. The only reason I was even informed was due to me calling to find out where the pink slip of the vehicle is. This credit company even charges over {$6.00} to make a payment through either the automated system or on line. Also when I sent a check through my bank they would never cash is cash it causing my account late fees, etc.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (OH)

I dispuited several charges on this card for merchandise that was purchased but returned to the merchant proper documentation was provided to Apple card showing the merchandise was returned to the merchant. I was told on Thursday XX/XX/XXXX that the dispuites were all ruled in my favor and I would be getting credit for them. I was to recive an e mail from Apple card spport. But never did. The charges are as follows. 

{$290.00} tracking was sent via e mail to them. I called in again on XX/XX/XXXX and reopened the dispuite. were delivered to the Customer on XX/XX/2023, and the Customer has not provided the Merchant with the returned tracking information. As a result, the Bank reversed the temporary credits. The Bank sent the Customer emails detailing the dispute outcome. The transaction with the Merchant Home Depot in the amount of {$110.00} again tracking provided to Apple card support and as of XX/XX/XXXX was told that this was ruled in my favor. {$340.00}, {$78.00}, {$35.00}, and XXXX I will not pay for merchandise that I returned to the merchant if appleccard refuses to get this matter resolved I will be forced to get a lawyer. This is nonsense they don't know what they are doing. All information was provided to apple card
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (MA)

On XXXX XXXX, XXXX in The United States Bankruptcy Court of XXXX Massachusetts case # XXXX and under Chapter XXXX debt owed to " XXXX XXXX '' in the sum of {$820.00} was discharged. XXXX XXXX received a XXXX of Notice of this discharge on XXXX XXXX, XXXX and that is the only account I have ever had under my name and social security there after. 
On or about XXXX of XXXX I noticed a " Pinnacle Credit Services '' reporting on my credit reports that I owed them {$820.00}. When I called regarding this debt I was told it was for a XXXX XXXX account I had recently opened. After explaining to them that this debt was discharged and providing them the above information nothing was done to correct the issue. 
Instead I received harassing phone calls saying that they were taking me to court ( which never happened XXXX. They told me they were not responsible for removing or reporting information to the credit bureau 's and gave me numbers to Vision Financial at XXXX and XXXX XXXX XXXX at XXXX which I spoke with both who simply told me that XXXX was responsible for this. 
I have gone as far as to call XXXX XXXX 's corporate offices and they verified with me that the account I had with them was discharged through my bankruptcy in XXXX and that because of that they would not re-open an account for me under my social security without a large security deposit for 10 years! 
The way Pinnacle is reporting on all XXXX of my credit reports is that this debt is in collections and current and it has been damaging my credit for almost TWO YEARS. 
I am reporting them to the Attorney General as well and my next step will be to hire a personal attorney if you or they can not assist which I will expect Pinnacle to pay for. 
I would greatly appreciate your help as I have been working very hard at improving my credit. 
This company is awful and destroys people. 
Thank you
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX XXXX allowed someone to add me as an authorized user on their credit and I reported it and removed it and soon after they opened credit in my name and I let XXXX  XXXX XXXX  know it wasnt me and they still put it on my credit after they said it would be sent to their fraud department, I was never called!
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (NY)

This company has given me the runaround. The first employee never proceed with my application. I call to speak to the manager he told me it was canceled because his employee did not continue with my application. I said why? he said he I will assist you. Then he offered me a higher rate because rates went up he said then it will be a conventional loan which will be better he said he send me the disclosures with a higher rate. Then referred my case to his son. Then I reach out to him and then he send me another disclosures with higher rates again I said why I signed the first disclosures are different he said we needed another document from XXXX and they took too long and the date expired I said not fair that was not MY fault I submitted everything in my part!
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NJ)

i applied for loan and cancelled loan less than 24 hours. i never reviewed any money or product from transactions. i filed notice of cancellation and refund with company XXXX XXXX and XXXX   XXXX since XXXX they have reported the account late and only updated every month sonce XXXX indicating they are still investigating. they are holding my credit hostage and blocking me from any other credit line opportunity. violation of FCRA If the debt collector has not supplied the demanded proof of the alleged debt within 30 days you may presume, under the doctrine of estoppel by silence, that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
See : Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I
Consumer complaint received 2022-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/22, I called Bank of America to dispute XXXX " XXXX XXXX  Refund '' charges that I noticed on my card account ; the associate I spoke to indicated that a someone had called and impersonated me, asking for my last posted payments to be refunded to another account. The associate indicated that these were fraudulent charges and that the call was marked as a fraud attempt, but somehow the charges were allowed to proceed. The associate indicated that they would do an internal investigation, that there was no way to send me a record of the case or call itself, and that the fraudulent charges would remain on my credit card during the course of the investigation ; I stated that I was not comfortable with this approach, that I would prefer they remove the fraudulent charges, especially considering the fact that fraud had already been identified, and that they send me some verification via email to confirm that this case was opened and that they were in fact investigating the issue in good faith. I am filing this complain with CFPB as a secondary measure to track the issue and in the hopes that you can provide some assistance to me to deal with Bank of America on this issue.
Consumer complaint received 2022-04-12
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. (FL)

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2.FXXXX XXXX XXXX  3.XXXX XXXX XXXX 4. Law offices XXXX 5.XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX 8.XXXX XXXX XXXX 9XXXX 10XXXX XXXX 11.XXXX XXXX 12.XXXX  13XXXX XXXXy XXXX 14.XXXX  XXXX XXXX. XXXX credit 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I made a payment from my HSBC account to my XXXX XXXX credit card on XX/XX/XXXX  for {$600.00}. Generally, HSBC offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to HSBC, is settled immediately. 

On the XXXX XXXX side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, but HSBC says that they can not provide such document since this was not a wire but an RTP. I need an official document from the bank confirming that the transaction went through and they insist that they can not provide it.
Consumer complaint received 2022-04-12
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)

In accordance with the Fair Credit Reporting act, Everything has to be 100 % accurate on my credit report. I did not consent, authorize or benefit from the fraudulent accounts below. 

XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX... .... 

15 USC 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-12
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. (FL)

I have disputed some accounts that has been reporting wrong info, they said they have investigated, and still reporting wrong info. I have advised them to delete that account, because according to FCRA they are reporting wrong information and had provided proof of wrong information.
Consumer complaint received 2022-04-10
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)

Im sending this complaint on behalf of myself and not a third part as you have suggested from the past. I'm a victim of identity theft and this has been going on way too long I'm tired of these reporting agencies playing games.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX Account # XXXX -- Transunion closed out an already derogatory account on my credit report on XXXX, just to re-report it as derogatory on XXXX. This dropped my credit score dramatically from XXXX to currently XXXX. Additionally, Transunion is harboring a non validated derogatory collection account on my credit report as well from XXXX XXXX XXXX  Account # XXXX. 

This is a CLEAR VIOLATION of my rights as a consumer to have a fair and accurate credit report. I am aware that this role has been assumed by Transunion and not given, and I am exercising my consumer right pursuant to 15USC 1681b ( 2 ), to DEMAND remedy by means of written or oral communication. As Transunion, should be aware, there is a supreme need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

It is apparently clear that Transunion has not been exercising these grave responsibilities that they have assumed by them in terms of reasonable procedures for meeting the needs of commerce for consumer credit, insurance and other information in a manner which is fair and equitable, with regard to confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of 15 US Code 1681 ( b ) ( Reasonable Procedures ).

Due to this, my credit has dramatically suffered, causing me to be subject to adverse action. This has caused overwhelming stress and harm to my financial status, defamed my character and caused hardship to my family. Pursuant to 15 USC 1681b ( 2 ), I did not give Transunion any form of written instructions to accept, furnish or report any information on my behalf and I am thereby exercising my right to DEMAND that both of these accounts be REMOVED from my credit profile immediately, they have caused enough damage to me. I XXXX XXXX, of natural person, have not authorized or verified these accounts in written or oral format and I revoke any assumed authorization, which can equate to identity theft by TransUnion, a prosecutable offense.