davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (TX)

I saw a collection account on my credit file from Mountain Run solutions. I sent a request to this agency for validation of the account. It has been over 60 days and they still have not sent anything, yet they continue to report this erroneous account on my credit. I have insurance. I don't owe anyone XXXX
Consumer complaint received 2019-07-18
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. (TX)

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX   XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) I called XXXX XXXX Bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (NV)

On XX/XX/XXXX I re applied to XXXX as a driver, due to error on my background check through checkr inc I was denied employment opportunity .since XXXX I been trying to solve the background issues with checkr inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tell. XXXX XXXX XXXX Checkr.com I file multiple dispute, I have not gotten any results.
Consumer complaint received 2017-07-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United PanAm Financial Corp. (NY)

I have an open loan with United Auto Credit. I have been diagnosed with XXXX. I am struggling to pay my loan. I am in default. I understand that I am at risk for repossession. The company has not done that ... ... ..instead they call me 5 or 6 times a day sometimes 2 or 3 times in a row. They have been calling my employer the same way leaving messages on any line they can get and also with staff as well as on my direct line. I had asked that my work number be removed from the file last year and was told that it was removed. The tactics of this company are suspect to me accompanied by the fact that this company sent me a record of account holders names and account numbers by accident which definitely violates some laws I 'm sure.
Consumer complaint received 2018-05-17
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: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, after mailing several dispute letters that went unanswered, I initiated a dispute process for several charges that were made to my Navy Federal Credit Union Credit card. The charges totaled {$3300.00} and were for merchandise ( XXXX in-game credits and virtual currency ) that was never received. I received a letter from Navy Federal several days letter stating there was no billing error and I would be responsible for the charges. 

I then contacted a Navy Federal customer service rep on XX/XX/XXXX who requested I provide additional information  regarding my dispute. As requested, that same day I submitted to Navy Federal a copy email correspondence between myself and itunes and screenshots showing the merchandise was never received. 

On XX/XX/XXXX Navy Federal sent me a letter again denying my dispute in direct conflict with the FTC 's Mail, Internet, or Telephone Order Merchandise Rule. I attempted to contact the person in charge of my dispute, XXXX XXXX, as well as her supervisor and was told both are " unavailable ''. I left a voicemail for XXXX XXXX, but have not received a returned call.
Consumer complaint received 2022-10-06
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. (TX)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX BK XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MN)

At the beginning of XXXX I received an HSA account through my employer, that was managed by XXXX XXXX. When the account was opened, the employer covered all service charges on the account. In XXXX of XXXX, the account was switched over to a personal/retail account, meaning it was a private account for me. 

When the account switched over to a retail account, XXXX XXXX chose electronic monthly statements for my account. So I never received any monthly statement from the company and then started charging a $ 3 monthly service fee. I did not choose to have electronic statements. I never authorized XXXX XXXX to use electronic statements for the account. I never set up an online banking profile with them. The company never had an email address for me on file until XX/XX/XXXX. I was not provided information about my account and XXXX XXXX continued to withdraw a monthly service fee for 4 years until they sent me a letter in the mail that said my account was inactive and any funds inside of it would be forfeited as unclaimed property unless I contacted them. 

When I received the letter, I sent the request back to have my account activated and to get my money out of their account. When I wanted to take my money out of the account I learned that they had been taking out this service fee for almost 4 years without sending any type of monthly statements to me or notifying me that they had placed the account into an inactive status. But they continued to withdraw the service fee. XXXX XXXX hid the money in my account so that they could continue to withdraw a service fee, without my knowledge, and line their pockets. When the company actually sent me a paper copy regarding the account, I was able to act on it.
Consumer complaint received 2021-03-09
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)

My personal information was exposed in a data breach and as a result I am now realizing that I have been a victim of identity theft numerous times. I saw that there was a XXXX XXXX account fraudulently opened in my name in XX/XX/XXXX. I submitted the first identity theft disputes to the credit bureaus with my FTC identity theft report in XXXX of XXXX. The bureau disputes came back " Verified '' from XXXX XXXX. I assumed this was just a technical mix up so I continued to submit multiple re-disputes but still got the same responses. I then decided to file a CFPB complaint against the bureaus and XXXX  XXXX directly ( CFPB Case : XXXX ) on XX/XX/XXXX. I received a response from XXXX XXXX XX/XX/XXXX stating that they had no signed copy of an application to provide but that because the perpetrator ( s ) used my exposed social security number and date of birth and an address they claim is linked to me by public record that I would be responsible for the fraudulent debt. I have been dealing with this for 2 years now and I am tired and broken. I have lost numerous employment opportunities due to my credit and this ordeal has put immense stress on me and my family. I was victimized when my personal and private information was exposed in the breach. I was victimized when I realized I was a victim of identity theft and I'm being victimized again by XXXX XXXX 's refusal to release me from the fraudulent debt.
Consumer complaint received 2022-10-06
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. (MD)

This is my 2nd 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX LENDING LLC XXXX Balance : {$18.00} XXXX CREDIT XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

Bank is taking money from people without them knowing. I paid for unlimited plan but got put on pay as you go. So instead of 5 a month in fees. I have been paying XXXX per debit and XXXX pre credit transaction. Called and complained was refunded XXXX dollars for the past 2 days. Saying they were wrong, but if so why can I not get the rest that is owed
Consumer complaint received 2024-03-06
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. (FL)

XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT INQUIRIES ON MY CREDIT REPORTS I HAVE ATTACHED FTC FORM SHOWING THE FRAUD PLEASE UPDATE MY CREDIT REPORTS
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the IdentityTheft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00}
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Acquisition Company, Inc. (MS)

In XX/XX/XXXX, an amount of XXXX appeared on my credit report from XXXX XXXX XXXX A check had been written on an account that has been closed since XXXX, when I had identity theft. This is not my debt. I received a call From Sheriff department in XXXX county in XXXX XXXX. There has been another check forgery in XXXX county. I have not written any check to XXXX XXXX XXXX. These checks are forgery. 
I disputed these allegiations but the calls continue. 

Numbers-XXXX, the recording states time sentive, call XXXX Reference number XXXX
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a Bank of America employee do a wire transfer from my checking account to another bank for XXXX to buy a truck from XXXX. That night I realized it was a fake website and not XXXX. I called BofA to cancel the transfer due to fraud. I was told I had to wait until the transaction posted. I waited a couple days. When it posted I called and BofA and was told it could take as much as 60 days for the money to be back in my account. The initial transaction was approximately XX/XX/XXXX. Since then I was told they contacted the other bank and we had to wait now. Ive called a few times and was told the same. I dont thing BofA XXXX trying very hard to get my money back.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (FL)

In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with SeedFi. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX am, I received an email from SeedFi stating my account would no longer be serviced by Seed Fi and that XXXX XXXX XXXX XXXX XXXX XXXX or XXXX would be taking over. After making my payments of {$60.00} every XXXX weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and XXXX is holding up the process. I have received several different responses to my inquires from XXXX, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with SeedFi. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between Seed Fi and XXXX, they need to figure out a better way to get customers what's owed to them.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My current address is XXXX XXXX XXXX XXXX Texas XXXX My phone number is XXXX XXXX All other info is outdated and inaccurate and should be removed from my reports from all three credit bureaus. 
No alias names should be included. 
Remove all previous addresses.
Consumer complaint received 2019-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (SC)

I opened an installment loan with Speedy Cash for {$650.00} on XX/XX/XXXX. I was paying {$90.00} every two weeks. In XX/XX/XXXX, I still owed {$600.00} on my loan. Before, XX/XX/XXXX I paid the loan on time. I can no longer make payments due to my financial situation. I called to see if their were other options available to me such as payment arrangements so I could pay my balance down. The customer service representative basically told me that I have to go into collections for your company to work with me. It's sad that I have stop paying to get some help! I feel that I have paid my loan amount in full. I would like all the payments that were made from XX/XX/XXXX to XX/XX/XXXX to be applied to my principal balance. I have paid Speedy Cash a total of {$1600.00}. Once you apply the payments, my balance will be paid in full.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ON XX/XX/2021, PRIOR TO MY BILL DUE DATE TO PAY THE ACCOUNT BALANCE. 

ON XX/XX/2021, I FOUND OUT I COULD NOT USE MY ACCOUNT BECAUSE THE BILL PAY WAS NOT PERFORMED. THEY SAID THAT I COULD MAKE THE PAYMENT OVER THE PHONE AND GAVE THEM MY ACCOUNT INFO TO PAY THE BILL. 

I CALLED AND SPENT OVER 3 HOURS DEALING WITH CUSTOMER SERVICE IN ORDER TO FIX THE ISSUE WITH USE OF THE CARD. 

I SPOKE TO XXXX XXXX ( XXXX ) AND XXXX XXXX ( XXXX ) AND SEVERAL OTHERS TO FIX THE ISSUE AND THE BILLPAY BUT THEY SAID THAT THEY WILL NOT BE ABLE TO WAIVE THE FEE AND INTEREST. 

I FEEL THAT THEY PURPOSELY CREATE THIS AUTOPAY IN ORDER TO CAUSE PEOPLE TO PAY INTEREST AND CHARGES. THIS IS ABSOLUTE FRAUD.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AK)

On XX/XX/XXXX, I attempted to utilize my Credit Karma Spend Debit card in the amount of {$260.00}, knowing I had a balance of over {$1000.00} and was shocked to see that the transaction had been declined. I called Credit Karma on XX/XX/XXXX to inquire as to why it was declined and was told that my account had been frozen, but they couldn't give me any details and would open a ticket. An email was sent with a case number XXXX. I have since called every day, provided required documentation ( bank statements from outside linked account, and copy of driver 's license ) yet my account remains frozen with zero explanation. I have searched online and found there are hundreds if not thousands of other innocent folks with the exact same issue with Credit Karma Spend. In the meantime, I have gone deep into the red within my linked account as I can't transfer money to cover auto bills. I am extremely infuriated that no one can tell me why my account has been frozen, I am transferred every time to a call center in XXXX ( no offense to anyone, just stating facts ) and they just keep telling me they'll 'escalate ' my case, but to this date, my account remains frozen. To not tell me why my account is frozen, not unfreeze my funds and keep passing me on to the next person is enraging and seems 100 % illegal. Please, PLEASE help me get our money back!
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have filed a CFPB complaint regarding this issue previously in XXXX of XXXX, but I now have further evidence which supports my claims. 

There is an inaccurate Bankruptcy being listed on my credit reports which I have been disputing since XXXX of XXXX. XXXX  did remove the account but TransUnion and XXXX  still have it listed on my credit reports. 

I confirmed with the bankruptcy court that they do not report anything nor verify anything as accurate with the bureaus ( see confirmation attached ). Once I told XXXX  this, they claim they verified the bankruptcy as accurate through XXXX. XXXX currently has a security freeze placed on my consumer report so they are not sharing information with the bureaus, so I determined this to be a lie from XXXX. Regardless, I alerted XXXX that they had the bankruptcy placed on my account in error. They initiated an investigation and alerted me it was being removed because it could NOT be verified as accurate ( See their letter attached ). 

I provided this new evidence to both TransUnion and XXXX  on XX/XX/XXXX and neither have removed the account still. They are violating the FCRA by allowing this incorrect account to persist on my report and this needs to be addressed as soon as possible.