davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
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. (MI)

I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with XXXX, XXXX and Transunion. I disputed both XXXX XXXX   and XXXX XXXX with all 3 companies on XXXX again on XXXX again on XXXX again on XXXX again on XXXX again on XXXX again on XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to XXXX {$24.00} monthly since XX/XX/XXXX and I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies XXXX, XXXX  and Transunion they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Hello, My name is XXXX XXXX XXXX. The reason I opened up the account with 5th 3rd Bank was because of the bonus plus the advantage of not having overdraft fees. It was all untrue and I have been charged 11 overdraft fees {$360.00} in fees plus they charge 3 fees just for overdrafting once. So overdraft for {$50.00} and they charge you {$97.00} dollars. I have reached out to them twice and they refuse to reverse the fees. Here is the link of their false advertising about charging no fees. https : XXXX Thanks so much! 
XXXX XXXX XXXX XXXX Bank Name 5th 3rd Bank Bank Location : XXXX XXXX XXXX, XXXX, GA XXXX Bank Phone Number : ( XXXX ) XXXX
Consumer complaint received 2019-04-30
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. (MO)

Just released from XXXX  XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX XXXX  {$750.00} Account 3, XXXX XXXX  {$550.00} Account 4, XXXX   XXXX {$690.00} Account 5, XXXX XXXX   {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}
Consumer complaint received 2019-04-30
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: EQUIFAX, INC. (CA)

XXXX XXXX student loan agency XXXX XXXX had a technical issue and was issuing me a statement every month for a quarterly repayment plan ( requesting I pay the quarterly amount every month which is 3x the normal amount ). I tried to fix the issue and despite over paying for many months no resolution. I tried to fix the issue with the school instead. But the payment was due and it became late despite overpaying and paying monthly for many consecutive months for a quarterly payment due. The school apologized and waived the fee and XXXX retracted the late payment notice from my credit report. Both XXXX and XXXX show no late payments for the two XXXX XXXX loans but Equifax shows missed payments. Ive sent them a dispute resolution and have asked them to remove the late payments to be consistent with the other two reporting agencies, but for an expecting resolution with their site being broken ( server not responding or down ). The link they send me every week doesnt work to check my resolution, my credit report still hasnt changed, I go to their main website and try to check the status of my dispute and it goes to the same broken server site. Ive tried well over 20 times At different times ( morning, afternoon and at night ) and days ( weekdays, middle of the week, weekends ) over the past 3 weeks and the same issue. An email to them comes back with no response or replies.
Consumer complaint received 2019-04-30
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-04-04
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. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXX XXXX rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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 2019-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

When my student loans were switched from XXXX to Fedloan Servicing ( XX/XX/2017 ), somehow many of my PSLF qualifying payments were " lost '' in transition. I initially contacted Fedloan about this issue in XX/XX/2017 ... Two years ago. They put in a ticket and I was told I would be contacted when it was resolved. Since then, I have contacted customer service about 8 times and get the same answer ... It is still processing and continue to wait. I would really appreciate an accurate count of my PSLF qualifying payments. I have been working hard for years making payments. I believe it has taken an outrageous amount of time to process this. Thank you and hope it can be resolved soon.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Doesnt Experian collect, maintains, and safe guards my credit report information? Experian does not. XXXX XXXX XXXX XXXX ( XXXX ) unlawfully accessed my credit report in XX/XX/2017 which then led to a fraudulent loan. XXXX sent the attached incomplete, undated, and forged application as proof of permissible permission. Experian recently stated in one of many many of my complaints To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor.
Consumer complaint received 2019-04-30
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. (MI)

I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with Experian, XXXX and XXXX. I disputed both XXXX XXXX and XXXX XXXX with all 3 companies on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again onXX/XX/XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XX/XX/XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to Experian {$24.00} monthly since XX/XX/XXXX and I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies Experian, XXXX and XXXX they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NH)

TD bank holds account deposits for an long time, they do not allow the money to be available to you according to their policy, their policy states that the first XXXX would be available and the rest of the amount up to XXXX will be available the next business day. This isn't case, they do not deposit checks in a timely manner, they will then clear a check and post it to the account to reflect the same date as deposit while adding additional fees. Our accounts have suffered numerous over draft fees because of them holding checks on an existing account through them for over a year. The deny cash with drawls on the accounts along with Not processing checks- I have had to call in a panic because the funds have taken an extensive amount of time and i was unable to get my medications. I have tried to reach for a resolution with them and i have not gotten anywhere they refuse to change any of this and consistantly blame this on the " Back Office '' stating they dont have control- They have also Made " Authorized phone transfers from one account to another with out speaking with my husband or i they jsut removed money from an account with out our permission. ) we never authorized a phone transfer to clear account from being negative as i was waiting in your company to release my funds. MY ACCOUNT wouldn't have been in a negative state because of your " polices '' THIS IS FOR ALL 3 accounts that are listed on this complaint. I want all accounts to be combed though and all fees returned. as your poor business has cost us a lot of hard ship.

I would like this investigated ( this bank TD bank has had numerous Class action lawsuits against them for excessive fees ) I believe what they're doing is illegal and i would like a proper resolution fees and penalties and money returned. 

An example would be deposit on XX/XX/XXXX XXXX XXXX not available- on XX/XX/XXXX XXXX was added for over draft. but the account wasn't over drawn. once the check cleared it reflected the XX/XX/2019 date. 
statements and notices are attached. this has been going on for a year. you will be that the fees are not for out fault but for the company as these charges were cleared. 


they decide what to pay and when to pay it on their terms so see how much they can make off of a fee. they will deny a XXXX transaction but they will approve 5 small transactions so they can assess more fees.
Consumer complaint received 2019-04-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX I refinanced a VA mortgage. During that refinancing process apparently I was overcharged {$150.00}. Ditech Financial did not return that money to me as part of the closing process. Likely they discovered it on a later audit. Although knowing my contact information as it had not changed since the closing they chose not to mail me a check. In early XX/XX/XXXX they did mail me a letter to my proper address, not with a check, but with a claim form to get a check. On XX/XX/XXXX I sent that completed claim form back to them. They still did not send me a check. on XXXX XXXX I received a notice from the Ca State Controller that they owed me money and were asking for it to be forfeited. On XX/XX/XXXX, I sent Ditech an email which they responded to on XX/XX/XXXX wanting another claim form filed. Clearly they don't want to pay me the money. I will upload my XX/XX/XXXX submittal of the claim form as well as its receipt from the Ditech Fax, my notice from Ca California State Controller and my email from an accountant at Ditech again demanding I fill out the same form I have sent them.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a complaint on XX/XX/2019 with Transunion regarding information placed on my credit bureau that was never properly verified. This is my last request for proper verification before filing a lawsuit against Transunion. I have requested a proper investigation into a dispute of XXXX. Transunion continues to update my report as verified as accurate. They have not showed me any documentation of verification, no contract or anything with my signature attached. I have filed numerous disputes as well as submitted a complaint with CFPB. I received an updated credit report after filing a complaint stating verified as accurate again with no proof of verification attached.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (AL)

I deposited a settlement check for {$1400.00} on XX/XX/2019 at approx XXXX XXXX. I deposited the funds at the PNC ATM in XXXX, Al. After I made the deposite I was told that my funds would be released on XX/XX/XXXX. Well XX/XX/XXXX is here and my funds weren't releases. After waiting until mid-noon, I was told that PNC couldn't tell if the check is legit. But here 's a big problem, when I made the check deposite the day before I had a negative balance of - {$1.00} well today ( XX/XX/XXXX ) it was - {$0.00}, and even though it was a few cents, its obvious that PNC was able to draw the change from my check to my account which mean they know the check ia valid.
Consumer complaint received 2019-04-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NV)

On Saturday XX/XX/XXXX, at XXXX PST, I received an email from a company I did not recognize, or I have never done business with, regarding a collection email, which I have deemed fraudulent. I have posted a copy of the email below : FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File # XXXX Last Date to File Lawsuit-XX/XX/XXXX Cost of the Lawsuit-XXXX Courthouse Address-XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX   XXXX , NY XXXX ). 
Legal Charges-Section 19 ( A ), Clause 21 ( US ). 
Case Format- Fair Debt Collection ( FC/SC ) Due Amount- {$500.00} Dear Debtor, This is to notify you and requires your immediate attention. 
We are going to file a lawsuit in next 24 hours at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) .against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well. 
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
Note : If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$5800.00}.

Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take  immediate action you. 
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out. 
If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to  {$5800.00}. 
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house. 
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you. 
To resolve this issue ASAP, Kindly emails us immediately. 
Thanks & Regards, XXXX XXXX XXXX.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-04-30
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. (FL)

THE DISPUTED ITEMS DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED IN MY CREDIT FILE WITHOUT MY KNOWLEDGE. PLEASE INVESTIGATE THE ACCOUNTS AND HAVE IT REMOVE OFF MY FILE
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Platinum Holdings Group, LLC (VA)

Refer my CFPB Complaint # XXXX. Debt was XXXX XXXX XXXX account. Was contacted over 4 years ago ; I ran into lack of job and other financial difficulties. Card is charged off ; Contract sold to PLATIMUM HOLDINGS of XXXX, CA. - File # XXXX. I dispute notification of debt and account. I was contacted XX/XX/XXXX by a Process and Services Agency called XXXX XXXX XXXX, and was informed after calling number for more info, spoke to XXXX XXXX, a Claims and Mitigation attorney with XXXX XXXX XXXX in California. He gave me Case info and that it had been sold to Platimum Holdings, a Client of XXXX XXXX XXXX. This Debt is OVER 10 YEARS OLD, and the statue of collections was to expire XX/XX/XXXX, per XXXX XXXX. My Original balance about XX/XX/XXXX was {$980.00}, but was informed by XXXX XXXX that interest and penalties accrued, unbeknownst to me, to a balance of {$2800.00}. I want balance down to a more manageable amount if it is required to pay off, even though it is a charged off account. I want my file removed and released and do not want to be contacted by XXXX XXXX. County, VA court system. I could not make payments, fell short, tried to contact and get resolution, lost contact with whomever was holding debt. Was not notifed it was reported to another collection agent and then sold. Account " dropped into a crack. '' Does not show in my current credit files. Why notification now, over 5 years no contact, no notification and account sold and not informed. When I try to obtain more and better employment, this should not be in the records to hold me back from gainful employment. These companies " did not act in good faith '' to try and contact me until now. When verified, my DOB, info and address are current and on file, so there is No Excuse of no contact from XXXX XXXX and Platimum Holdings. XXXX XXXX gave me contact number for Platimum. It is : XXXX and they are in XXXX XXXX, California. To my knowledge, my credit is in good standing. I do not need this issue hanging over my head. 
XXXX XXXX original Credit card account number : XXXX