davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX and TRANSUNION, 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXXL XXXX, US DEPT OF EDUCATION/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account THERE ARE 10 INACCURATE ACCOUNTS APPEARING ON MY CREDIT REPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXX/XX/XXXX Account, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, US DEPT OF EDUCATIONXXXX, XX/XX/XXXX 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. i did not give Transunion wriiten instructions to report the accounts listed above. Transunion violated my rights this is a case of fraud.
Consumer complaint received 2022-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-17
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. (RI)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX XXXX***
Consumer complaint received 2024-03-07
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

If the appropriate steps to rectify this situation are not completed within 10 days, I will file a complaint with the FTC. You are required by law to respond to me within 15 days. Failure to comply could lead to fines up to {$1000.00}. 
Please send me the detailed investigation procedures for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citi Bank removed my {$9000.00} credit limit for no apparent reason. They lowered it to {$610.00}. The amount I owe is {$590.00} and thats a new charge. I paid off my last balance of {$590.00} in full before. They said my credit is no longer worthy of the {$9000.00} credit limit. I have never been late on any credit cards ever and and XXXX balances on other cards. I only used the card to help pay for my daughters car repair of {$590.00}. Now my credit will be ruined. I cant even get anyone on the phone to review this and reconsider this awful cruel act. My number is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I've been on the COVID XXXX forbearance plan for XXXX year getting ready to get off XX/XX/XXXX every 3 months I would talk to them about what it was going to be like when I got off and how it would affect my payments. After the first 6 months they told me that I would have to pay all the back payments split into XXXX equal payments and the original loan payment. Then at 9 months they told me no that's not true they just tack the money on to the end of the loan and business as usual you'll Play Your normal monthly mortgage payment and they will extend the terms out. Today they told me no I will have to pay lump sum {$15000.00} which is the total past due. Or I can do a loan modification which this is the first time I ever heard the word loan modification for a different interest rate. Never did I hear that they were going to change my interest rate which obviously is a much higher interest rate than XXXX then I currently hold. I would like them to keep the plan that they told me and just to start with my mortgage payment on the XXXX and business as usual
Consumer complaint received 2022-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX {$440.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified some information on my reports that are a result of identity theft, these items are not related to any transaction completed by me : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There was a deposit into my account for a XXXX, capital one placed a hold on my account on XXXX XXXX. I have called several times and they keep giving me the run around, they have me leave a voicemail for a team that has only reached back out once. The team advised that the account would be closed and funds would be dispersed via a check however over XXXX year later I keep getting advised that the account is closed and that there is nothing they can do to get me the funds. The funds are not involved in any type of dispute and there is no money owed to the bank. Capital one is an online bank and I believe they are taking advantage of the fact that no one can come in branch.
Consumer complaint received 2022-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

This debt is over ten years old. I believe it has passed the statuette of limitations. I believe this company is falsifying information to keep this account active. 
This was sold to this current collection agency. 
I tried to explain to this current agency I no longer owe this debt, and they argued I'm wrong. They claim that in XX/XX/2020 was activity, but I know only to disagree with it still being owed.
Consumer complaint received 2022-03-21
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: HYUNDAI CAPITAL AMERICA (NY)

I called in late XXXX asking for a lien release statement and was told several times it was mailed on XX/XX/XXXX. After being promised I would receive it in 7 days, nothing showed up and was told it was re-mailed on the XXXX. I called once again asking for a copy of the paid in full letter and was told it would be emailed to me on the XXXX with 2 days for processing. I have failed to receive any of these documents after waiting almost a month even after being told 3 separate times I would receive these documents.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I went to the ATM at the XXXX on XXXX XXXX XXXX XXXX, I made a withdrawal and the ATM malfunctioned and didn't give me the money I called the number displayed on the ATM and they took a report and told me to contact my bank for the money, I know things malfunction but this is the second time at the same ATM and I have to wait upto weeks to get back my money. I should be compensated immediately, but I am left with nothing until they decide to give me back my money. This has caused me stress and frustration, I have a bad XXXX and this is making my medical situation worse.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/22 I submitted a negotiable payment to a credit card account as well as a payment to a loan payment paying off both accounts using negotiable instruments as payment enclosed is a copy of the tracking number # XXXX XXXX XXXX XXXX XXXX I was forced to make a payment via checking account due to the fact it was not processed and I had to make a payment using my debit card for both accounts.
Consumer complaint received 2019-08-01
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. (TX)

I have submitted several disputes requesting Verification of Debt with the credit bureau on a 3rd party collections agency reporting inaccurate information on my credit report. The credit bureaus did not do a full investigation and send proof that the debt belongs to me like I asked. Now they have sent me letter stating they will not re-investigate debt anymore. I have contacted the collection company and all they send me is a invoice. I still have no proof of the contract with my signature or bank transactions showing I did not pay. I want proof and the credit bureau simply just state account has been verified. The XXXX system is not a true form of investigating a validation of debt.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 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.
Consumer complaint received 2019-08-01
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. (SC)

Hello '' To Who is Reading This Message This is the second time that I'm sending out My Report I still see this Fraudenlt Account on My Credit Once Again I have been a victim of Identity Theft. I gave no one Permission to have Access to open any Accounts Under My Name. 
Thank you.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I entered an online bill payment using my USAA checking account. The check cleared but the payee said they did not receive the funds. I contacted USAA and I have spent several HOURS on 4 different calls trying to get help. Their first resolution was to put a stop payment, but I explained the check had already cleared my account ( the lack of training of USAA personnel is appalling ). Finally I got someone to file a dispute form on XX/XX/27, and was told I would be notified within 3-5 days. On the 6th day, I called to try and find out what the status of my dispute was, and I was told that I was " min-informed '' ; that it would be 10 days ( even though my 1st call to USAA was on XX/XX/XXXX ) - apparently nothing was done as a result of that 2.5 hour call. This should be a simple process of returning the check as a late return for forged endorsement to XXXX ( it is clearly stamped on the back of my cleared check ) and then crediting my account with the stolen funds.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I paid off and closed my XXXX  XXXX credit card on XX/XX/2020 due to fraudulent fees being added to the account despite on time payments. My credit score then dropped by over 75 points. I am now unable to apply for other personal and business credit cards due to this extreme reduction of credit points despite the account closing on good terms. I am in dire need of credit score improvement to buy a house due to how dangerous my current neighborhood is and time is running out. Please help.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DFC Global Corp. (LA)

this creditors below did not have permissible purpose or my written permission to authorize this inquiry 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 XXXX XXXX XXXX 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 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 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 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc. (CA)

Southwest Recovery Services at XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know owe this company any past due amount of any kind. The company does not have a contract with my signature. I also have email providing proof that account was closed back in XXXX of 2021 and no amount of any kind is owed to the company.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have made a complaint about not being able to access my XXXX  credit report online. In response, today, I received in the U.S. Mail, from " XXXX XXXX  XXXX  XXXX, a paper form to order any of my credit reports THROUGH THE MAIL. This form requires LESS information that what is required online. Why do I have to risk sending this paper form with all my identity theft information through the mail, and wait 15 days, when it is, by law, supposed to be available to me ONLINE? That's a rhetorical question. I'm NOT going to send this form in. I expect all of the credit reporting companies to have functioning software and websites so I can access my " free '' credit report ONLINE. As a result of complaining to YOU, all I've got was this XXXX response by the XXXX XXXX  XXXX  XXXX, probably staffed by leftovers from that XXXX Trump, AND solicitations to BUY my online credit information from TransUnion. At what point am I going to be able to get my credit reports ONLINE and get corrections made ONLINE? That seems a LOT more efficient than having me spend hours online only to find out that these predatory for-profit XXXX are NOT REALLY giving weekly free credit reports online ; it seems a LOT more efficient than requiring me to send in a weekly, paper, request via U.S. Mail. All three of these for-profit credit bureaus need to be sued BY YOU and fined for fraud. XXXX and these three credit reporting companies are ONLY using their online presence to try to SELL stuff to consumers and they are doing that by REFUSING to make these credit reports available ONLINE. Even when I've been able to get a credit report, those reports are incomplete - they **** the last four digits of MY accounts, old and new and I can't identify accounts without that. And, so far, each of my credit reports has either missing or incorrect information - but I can't dispute it online, because, " sorry, but our website is down now ( always ) ''.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TN)

In XXXX I received a personal loan from XXXX. Right after COVID hit and I lost everything. In XXXX I began to recover and tried contacting the company and they said they did not have an account under my name but had sold my account to a debt collector called Ad Astra Recovery Services. For 2 years I have tried to pay this off but all I get is no such account, on hold for hours, no answer, or you have to call XXXX/Ad Astra-in other words finger pointing. Now they have blocked me from being able to make any type of payment except money order which I am not gon na do because I have been burned way too many time and the mail carriers are extremely undependable. The finger pointing has begun anew in who is responsible and who can unblock my payment status. The {$500.00} is now {$940.00} because of the shady tactics and false promises by both companies.