davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (MO)

Someone stole my identity and made a payday loan online in my name. I did not do this. Now my checking account is being charged {$500.00} per month for this loan. I'm not sure when this started. I just found it on the XXXX of XXXX when I applied for a loan at my bank! 
My bank did put a stop payment on the withdrawal this morning but until I can get this account closed, I'll have to do this every month at the cost of {$30.00} per request. 
I've filed a identity theif report with my police department and it will take XXXX to get the paperwork back.
Consumer complaint received 2023-03-29
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (CA)

Mortgage Co. XXXX XXXX XXXX c/o XXXX Loan # XXXX on XX/XX/XXXX XXXX XXXX bought our loan from XXXX XXXX XXXX  XXXX XXXX when they did the transfer they dropped one of the 3 borrowers names from the loan, they also changed the property address to our mailing address when the property address is completely different. 
We provided the note and deed of trust showing all three of our names on the loan as well as the correct property address and up until XX/XX/XXXX XXXX XXXX.had the right property address on the mortgage statement and then all the sudden on the XXXX statement CMC changed the property address to our mailing address which then caused them to say we are not insured when in fact we supplied the insurance binders for the property address in XX/XX/XXXX as well as XX/XX/XXXX but because internally they changed the property address to our mailing address they say we are not insured and now are charging us for their internal insurance binder at the cost of {$2200.00}. I have literally spoken to every supervisor int he insurance dept as well as the loan dept, I have conference calls as well throughout the 8 mos of dealing with this and everyone is gon na fix it but 8 mos later I am sitting on hold listening to them tell me they are gon na fix it .... We are at our wits end and do not have any other recourse but to diligently call them without fail every month trying to make them see that they did this mess not us ... we only get a run a round as we are now going on 8 mos of pure XXXX. Today we were told by the insurance side and the loan side of CMC that we have been escalated and the completion should be by XX/XX/XXXX .... HELP???
Consumer complaint received 2023-03-29
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

Due to continuous noise complaints of my neighbors above me for several months and management 's lack of attempting to fix the issues at hand ; both management and I, came to an agreement via email, that I can move out due to him finding someone to take over my apartment. Management informed me that I would have to move out on XX/XX/2020 and surrender my keys that night so that the apartment would be prepped for the next person to take over the apartment on XX/XX/2020 and in turn I would only have to pay the amount of {$280.00} from XX/XX/2020-XX/XX/2020. 

I ensured that the apartment was clean and completely empty when I left on the night of XX/XX/2020 as requested by management. 
After moving out, I purchased my money order on XX/XX/2020 and stopped by the leasing office and placed the amount of {$280.00} in the dropbox since the office was closed due to Covid-19. 

Management then reached out to me and informed me that the person will not be moving in until XX/XX/2020, however, that was not apart of the agreement that he sent me via email, so therefore I informed the collections company via email and certified mail that I am not responsible for the rest of the amount because there was no verbal or written agreement with management that I would be responsible for any other payment. I paid what was owed of me, which was the {$280.00}, so the debt that was placed in collections is fraudulent and should be removed. 

I was also told by two close friends that still resides at the apartment complex that a couple moved in my apartment shortly after I moved out in the month of XXXX. They are not sure of the exact day of move-in, however they are sure that the person moved in XXXX. 

Although I sent certified mail to the collections agency with documents proving that I do not owe the apartment any other monies, they still placed the collections on my credit report. 

Please help me to rectify this issue, as I do not owe this debt.
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (TX)

I began dealing with XXXX XXXX about my past due account in XXXX. A settlement was supposed to be reached and was not. I was able to speak with a XXXX in the home office back in XXXX who advised me to make a payment for my account for it to not close in XXXX. I did that and they closed my account. I spoke with someone in XXXX and the account was reopened and I made another monthly payment in XXXX. The account was then closed again and charged off. I was not made aware of this since i thought the account was open since I was making my minimum monthly payment. I called in mid XXXX to speak with XXXX regarding my account and she advised me of a settlement and said she would call back and never did. I went to make a payment XX/XX/XXXX and discovered the account was charged off and closed. I called the home office spoke with XXXX who transferred me to XXXX XXXX who was supposed to give me a call back on XX/XX/year> and never did. As of XXXX I have attempted to contact her and not recieved a call back. This company closed my account even though I have continued to make monthly payments on my account. I would like the account reopened and to have my credit report corrected as I was making the minimum monthly and have attempted to contact people in the company who have not responded to me.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I requested the law firm identify if they are a credit agency or a law firm. The law firm has threated to sue me in court and garnish my wages which is a direct violation of the Fair credit reporting act.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (NV)

On XX/XX/2023, I requested current balances and statements. I'm still not getting statements, but I can get a printout of my payments from the website. I make monthly payments of {$300.00} per month. The payments ARE NOT being reported to the credit agency. Only the original amount of the loan shows and no matter how much I pay the company will not report the reduction in my balance. I am only asking for TRUTH IN LENDING. Report my true balance or remove the " balloon payment '' comment from my credit report. BSI Financial Services ( Phone XXXX ) Loan Number XXXX.
Consumer complaint received 2019-01-15
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)

I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (AR)

COLLECTOR ONCE AGAIN VIOLATED FCRA-FDCPA AND TCPA BY CALLING MY MOMS CELL 11 TIMES. THEY PURCHASED SAID DEBT THAT WAS PARTIALLY PAID LAST WEEK.
Consumer complaint received 2023-09-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

QVC Credit card ( QCard ) company claimed, per a XX/XX/XXXX letter, that after careful review, they decided to close my account due to two XX/XX/XXXX and XXXX {$50.00} extra ( in addition to my timely monthly minimums ) payments did not clear my bank. 

No careful review occurred because prior to XX/XX/XXXX, no payments were ever rejected!!!! 

Unfortunately, due to apparent discrimination ( ex.name profiling ), QCard could have at least first sent a letter of warning so that I could have a chance to show proof of my checking account funds availability that would have honored my {$50.00} payment! But instead they acted with malice in their attempt to cause me financial harm and canceled my Qcard. Very bad customer service.
Consumer complaint received 2019-09-09
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.
Consumer complaint received 2022-04-07
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)

This is a request for assistance with Experian, XXXX, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX  XXXX  Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MiraMed Revenue Group LLC (OH)

When I negotiated this payment with the collections company ( XXXX ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : AT T PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XX/XX/XXXX, Type : Collection Most Recent Adverse Rating - Date:XX/XX/XXXX, Type : Collection Prior Adverse Rating - Date:XX/XX/XXXX, Type : Collection XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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. (GA)

In XX/XX/2022, I received a copy of my Equifax consumer report and noticed a report of a public record. I sent Equifax a dispute letter notifying them of the error and demanded that it be removed. On XX/XX/2022, I received a credit update through the US mail stating they had completed there investigation of my dispute and " we verified that this item belongs to you. '' It also states above the results that Equifax obtained the public record item from " local, state and federal courts through third party vendor, XXXX. '' According to the FCRA, in order for Equifax to report the alleged US BANKRUPTCY COURT it would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court, I also confirmed with XXXX, whom Equifax states their public record information is obtained from, that they were not able to validate this alleged bankruptcy in accordance with federal law on neither their VERIFIED and NON-VERIFIED departments. Equifax has NOT properly investigated this account and is willfully reporting incorrect and inaccurate information on my report. Equifax is breaking several federal laws and committing fraud according to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ), and I HAVE NOT given any direct or indirect instruction to furnish any of my information. 
In addition to my proof of their willful negligence, I also explained to the representative I spoke with that this public record is only being reported by Equifax not the other 2 major reporting agencies, XXXX and XXXX. By law, if there is an inaccuracy on my report it MUST be removed by ALL 3 agencies.
Consumer complaint received 2019-01-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (LA)

XX/XX/18 Santander Consumer reporter my auto loan past due 90 days. It has cause issue with my credit report my credit score has fallen 50 points for this error.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

XXXX XXXX XXXX shows my report at XXXX almost 200 points bellow my other reports. they refuse to answer their phone or return a call no one ever answers their phone it's a total scam that someone will. online they request I send hard copies of my SSN and DL through the mail .. extremely unsafe. they have no validation for the score being so low and it's a scam company.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (MO)

In XXXX my Grandfather set up an ITF account for me at a Florida Bank. I live in MO. Current balance on XX/XX/XXXX was {$5000.00}. He sent me a letter in XXXX, telling me about this Account. He passed in XXXX. I thought this would have to go thru Probate ( but now I read it doesnt ). After a few years I phoned the bank branch in Florida, where the account was opened. I was told that I would have to appear in person before they would discuss the account. My Grandfathers XXXX copy Lists an Investment Number. The bank representative told me I would need an Account Number, my Grandfathers death certificate, my birth certificate plus marriage license. I called a few years later because I was not able to fly to Florida during bank hours. At that point, bank suggested I come to XXXX, with the requested documents, but without the account number, they would not discuss this account with me. Early XXXX my Financial Advisor called the Florida branch to plead my case. He was assured that if I sent all the above documents, plus a XXXX copy of the ITF acct., they would search for the acct. number. I sent letter certified with all the requested documents, to the XXXX TN location, as advised. On XX/XX/XXXX my documents were returned to me, along with a brief valued customer letter, Stating they were unable to process my account closure request because Please provide account number along with investment number.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Hello. I am writing to express my concern about a student loan forgiveness program I qualified for. Navient denied my student loan forgiveness form. My District signed it and I qualified for {$17000.00}. I have been XXXX 20 years and am very upset to see my time does not matter. I have struggled and needed to place my loans in forbearance and deferment for quite some time. I filed bankruptcy in 2014. If you could please help me get back on track, I would greatly appreciate it. Thanks so much. 
XXXX XXXX
Consumer complaint received 2019-01-15
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)

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, Experian, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my Experian score to report drastically lower than what it should be.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (CA)

I ordered a new XXXX credit card as mine did not work somebody received it in the mail was able to create a pin and activate the card and 5 days in a row each day they took out {$500.00} out of an ATM at Wells Fargo five different ATMs at five different Wells Fargo 's never called me never told me and then on XX/XX/XXXX I check my statement and all five transactions went through on that one day so I didn't even have time to find out this was going on they never called me to let me know or red flag it. Over XXXX was taken out I once tried to buy a concert ticket and they denied me {$300.00} to buy the concert ticket so I don't understand why it was not red flagged {$2500.00} cash advances I've had this credit cards since XXXX I only use it for automatic payments I never use it as a hard copy All these transactions were hard copy payments If you look back at my history I don't use the card just for automatic bill paying then I make my payment. This should have been red flagged as the history of me using the card is inaccurate of what happened.