davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-14
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. (FL)

My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter 13 or payment plan. Or wage earner plan. I have contacted XXXX XXXX again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX
Consumer complaint received 2018-11-14
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: American Credit Acceptance, LLC (CA)

Regarding my account with American Credit Acceptance, I have fulfilled my obligation of the settlement agreement and paid off the loan in XX/XX/2017. I still have not received a title and called the bank on XX/XX/XXXX and XX/XX/XXXX to inquire. I was advised that a request was made to look into the loan as the balance remains at {$23000.00} in their system. Furthermore, the account is showing that I am in default with a past due balance of {$2000.00} plus. This is not acceptable as this all impacts my credit score,  debt to income ratio, and ability to sell my vehicle.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (AE)

I'm an XXXX XXXX XXXX XXXX  XXXX XXXX and has Navy Federal Credit Union online banking ( there is no local branch, neither does Navy Federal Credit Union have shared banking with other Credit Unions ).

I requested Navy Federal Credit Bank {$50000.00} personal loan, which was immediately approved and I had it transferred to my savings account with Navy Federal Credit Union. 
I requested Navy Federal Credit Union to wire transfer {$25000.00} to an external personal Credit Union XX/XX/2022. They asked me to put it in writing and email to XXXX with a copy of my govt issued ID card, three signatures and 3 signatures and Code word. I submitted request as instructed. I didn't receive any confirmation of receipt of email, so I called them 48hours later. They informed me they received the email but my govt ID was blurry. I resubmitted XXXX XX/XX/2022 and once again waited to no response. Since XXXX XX/XX/2022, I have called Navy Federal Credit union on their toll-free number XXXX numerous times trying to get the security department to verify me, all I got was over 2 hours wait time then the call drops. On XXXX XX/XX/2022, I called the toll-free number, I was asked to resubmit my request and change my code name, which I did and resubmitted the request. On XXXX XX/XX/2022, I once again called and was asked to give the Security team 3-5 business day response. When I requested to speak to the department head, they once again put me on a 2:27 min hold before the call dropped. 

I have gone to the extent of sending a friend to local Navy Federal Branch in XXXX Texas to verify the email and my current situation ( keep you on hold for 2 hours, and not respond to any emails ) and provide me their local branch phone number While the branch refused to confirm or deny, they handed him a business card with the same toll free number XXXX. I called the call center and had them patch me to the XXXX branch, who refused to verify me or help me and asked me to call the toll free number. 

My online account has been blocked ; any efforts to have Navy Federal Credit Union activate it has been futile since they say they can not until their Security verify me or clear the situation. The loan payment is due XXXX XX/XX/2022 and I can not get access to my account nor the money they loaned me. 

Navy Federal Security department contact me via email ( as they have send me verification codes every time I call so they verify my phone call ). In addition, they say they can not call me because of time difference. Even though I've indicated am available 24/7 and there is only an 7 hour difference between us.
Consumer complaint received 2023-03-23
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. (NJ)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/22 to Transunion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2018-11-13
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 (TX)

I am currently Disputing on charge on my credit card for the amount of {$6300.00} dollars. The charge was made on XX/XX/2018 by a company named XXXX. On XX/XX/2018 XXXX   was shut down by the FTC for scamming people out of millions. So on XX/XX/18 everything that my on line business education was to provide me had been seized. The XXXX was only part of what I invested.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NV)

I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$3200.00} allegedly owed to XXXX XXXX This account is fraudulent and does not belong to me, I have attached an FTC report along with this document. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account DRS ( Account Number : XXXX ), Original Creditor : XXXX XXXX. Date Opened : XXXX XXXX, 2024. Balance {$3200.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX and I do not have any contract with DRS. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately to all credit bureaus. I am not liable for this debt with XXXX XXXX and I do not have any contract with DEBT RECOVERY SOLUTIONS ( DRS ). I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from DRS for the violation of my rights under the FDCPA. 
3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}.

4.Reimbursement of any legal fees incurred in addressing this matter
Consumer complaint received 2018-11-13
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. (MO)

On XX/XX/2018 I reached out to XXXX XXXX XXXX regarding making a settlement for an account that was displayed on my credit report. They informed me to contact XXXX XXXX and advised me they had sold the account. I reached out to XXXX XXXX who advised me that they will accept {$450.00} as full payment and the negative remark would be removed from my credit report once they received payment and notified XXXX XXXX. I have disputed the balance listed on my credit report multiple times and its still showing I have a balance due for XXXX XXXX   although I have a letter from both XXXX XXXX and XXXX XXXX stating the account is paid in full less than amount owed. When I agreed to settle I was informed the item would be removed not listed as settled for less than amount and its still showing I owe XXXX XXXX a balance which is incorrect as well.
Consumer complaint received 2018-11-13
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. (GA)

I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX  to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet TransUnion still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

Discover card closed my account last week because a review showed a change to my credit score, which I had already taken care of by settling an old debt which I just became aware of. Unfortunately, it will take time for the settlement to impact the score. I had a zero balance with Discover and a perfect history but they just closed my account and sent me an email to that effect last week.
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (NC)

I filed several complaints with the CFPB regarding XXXX  refusual to reverse payments to XXXX XXXX  Hospital. Primary complaint was for {$19.00} for failure to provide test result, failure to read and interpret XXXX XXXX ordered and failure to provide services of a doctor to a patient.

The CFPB complaint numbers areXXXX,XXXX,XXXX and XXXX at no time did XXXX  reverse the charges or provide me with any credits.

NPAS made harrassing phone calls and sent unwanted payment letters like the one attached.

I do not owe XXXX XXXX Hospital and and the several complaints with the CFPB and Suntrust has refused to reverse its decision.
Consumer complaint received 2018-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX offers a credit card to help pay for items in the store with 0 % interest for the first 12 months. The credit line is offered through XXXX. After 12 months, instead of applying interest from Day 366 on, they apply the interest accrued from Day 1 to  your next bill. However unclear this was to my wife and I when we got the card, the real issue is in the handling credit institution 's communication of our statements and bills. 

The only place that you can find the expiration date for the promotion is in the billing statements, which is not in the same location on the site as the billing / payments portion of the site. Meaning, if you opt for paperless billing ( which we have ) and you don't know where to find this information, you will not receive a notification of when this amount will apply to your bill prior to the bill that shows up with a hefty sum of interest that's been accruing in the background for the previous 12 months. For XXXX XXXX to offer this 0 % interest for 12 months deal, but not clearly define the parameters, is shady. One might expect me to keep my eye on the calendar, or mark the final due date. But I work in communications, and I know that it's the communicating party 's responsibility to offer this information explicitly if they are the ones offering the deal. 

My situation : I aimed to pay this bill off over the course of a 12 month period, not knowing exactly when that 12 months would expire, since I thought I would be notified at some point that the promotion was ending soon. On my latest bill, I should have owed {$220.00}, but the bill instead was for {$440.00} which includes the interest accrued from the last year. I called the company to ask them to remove the interest from the bill, and explained that I wasn't notified of the promotion ending soon, but they didn't care, and weren't helpful. The promotion ended on XX/XX/2018 and I paid the {$220.00} today, XX/XX/2018. With little more than a month passed, surely I'm liable to receive some grace? 

One should expect, in this 2018 world of AI and automation technology, that if a company is offering paperless billing at some point in the payment process or notification process associated with that billing the customer should be offered some notification of when their promotion is ending. Then again, I suppose I should expect no less from a company that's only interested in taking my money, and any interest they can apply to it. That doesn't make it right, and it doesn't mean that companies like this shouldn't be held accountable for their disinterest in providing transparency for their customers.
Consumer complaint received 2017-11-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

starting in XXXX of 2016 I hired a lawyer and we started the process with Fay servicing of a loan modification so I would not lose my home. 

I have filled out the same paperwork for almost 2 years now. 
They keep sending documentation about foreclosure. 
Every time I submit some type of documentation they tell me it either has expired because it takes them 90 days to review it, ca n't read it, forms have changed and that a line on a form is wrong and to do it a different way. 

I have spent at least {$2000.00} with my lawyer t file paperwork.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

These inaccurate addresses are reported on my personal credit file with XXXX and TransUnion credit reporting agencies. There is no name associated with these files. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my file. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-07-12
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. (CA)

I sent a letter on XX/XX/22 to Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

XXXX  has a Collection Account from a Company called Portfolio Recovery and I have disputed this several time asking XXXX to verify the account is mine and XXXX keeps saying Debth verifid and it is not verified. I have called the Company and they keep saying there was a card in my name from XXXX XXXX and I do not ever go to that store, I do not like that store and I do not live near a store. They have sent me a bill and never do they provide anything else in my name. I have signed affidavits for Portfolio Recovery and they keep it on my only XXXX  Report and they report it as an open account but in collections and say XXXX is owed.
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2022-07-12
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. (CA)

I sent a letter on XX/XX/22 to Experian to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again. 

XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX