davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (CA)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

This is my second complaint regarding this company. Midland Credit Management who has sent this to XXXX XXXX XXXX XXXX, XXXX. They are requesting me to pay XXXX to them regarding a XXXX XXXX XXXX  XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from Midland Credit Management stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that Midland had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from XXXX XXXX XXXX  stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On or about XX/XX/2022, I entered into a payment agreement with Commenity as it pertains to my BJs credit card account. They agreed to suspend late fees, and drop my interest rate to 10 % for a period of 12 months. In exchange, I set up a payment plan of $ XXXX, for which they have been deducting from my checking account since XX/XX/2022. 
I noticed in XX/XX/2022 that Commenity was deducting the $ XXXX AND continuing to charge late fees of $ XXXX, plus the full 28 % + interest each month. 
When I called in XX/XX/2022, they denied that I had been approved for eligibility for their hardship program. They also denied the fact that I was ever in a hardship program, despite the fact that they set up the $ XXXX payment plan and continued to deduct those payments for 6 months based on a hardship program. 
They need to retroactively subtract ALL late fees from XX/XX/2022 AND recalculate the interest charges from XX/XX/2022 to today. 
If the above corrections take place, please let me know the amount I need to pay to bring the account current.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. THE BALANCE THEY SHOW IS {$4500.00}. And they will not remove this account from my profile. I have written them asking them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.
Consumer complaint received 2024-03-04
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. (PA)

I need to re-escalate these accounts that have been previously deleted by XXXX and XXXX but TransUnion remains reporting the same faulty and unauthenticated accounts on my credit files.
Consumer complaint received 2020-11-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AZ)

Was notified XX/XX/XXXX ( XXXX  ) that additional funds were to be provided by me to close escrow in 2 hours or seller was walking. Additional funds included a duplicate payment for flood insurance ( {$520.00} ) and a " Lender required payment '' for a credit card balance that showed up on my credit report dated XX/XX/XXXX which included XXXX credit information ( {$1800.00} on credit card ). However, XX/XX/XXXX, I was formally removed from that credit card as it still belonged to my ex spouse and I have been divorced since XX/XX/XXXX. I have not been liable for whatever balance that credit card may have had since XX/XX/XXXX, as it states in my divorce decree. 

I provided the additional funds aware of the errors to not lose the home as the lender stated they'd fix the errors after. Since I had to leave work early , drive to 2 locations to meet their notary, and because the messy process and errors, the title company ( XXXX XXXX ) also stated I would get a discount of {$300.00}. XXXX XXXX acknowledged the errors and stated they needed approval from XXXX  only for the " Lender required payment '' refund of {$1800.00}. XXXX  stated they needed approval from the Caliber Home Loans Underwriter prior to notifying XXXX XXXX. The underwriter was waiting on a payoff receipt for the credit card prior to approving. It was explained numerous times there would NOT be a payoff, that the credit card was still active but not in my name. I had requested my credit report be pulled again and not until XX/XX/XXXX was it pulled. Even with the new credit report, I was given the run around on if that would suffice and who was handling my open issues. XXXX XXXX is still awaiting approval XX/XX/XXXX and NO one is responsive from XXXX or Caliber Home Loans. 

I have numerous emails going to all 3 companies and the parties that were handling my case with no resolution. It has now been over 3 months and I still have not received my refund totaling {$2600.00} from XXXX XXXX due to the lack in approval from XXXX  and I have not received any response from XXXX  or Caliber Home Loans even after giving them a week notice of filing this complaint if not resolved.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have repeatedly asked TransUnion, XXXX, and XXXX to delete all these derogatory accounts that are reflecting on my credit report. I never gave permission for them to furnish any of my personal information to my credit file regarding other creditors. This is repeated violations that I have been dealing with for years now and has had a major impact to my financial well being and has made it difficult to obtain the necessary credit to purchase a home for my family and to secure my XXXX  with XXXX XXXX  there XXXX needed to function in life. This is my final attempt to get this resolved before I get my attorney involved and start litigation in this regards.
Consumer complaint received 2020-11-09
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. (TN)

On XX/XX/2020, I applied for a credit card with XXXX. This activity is managed by XXXX XXXX. On XX/XX/2020, in an email response, I was informed " Your request was denied for the following reason ( s ) : Unable to access credit bureau due to freeze or lock ''. In another section of the email message, it identifies the reporting agency as SageStream , LLC. While it is true that I have placed a freeze on my credit report with XXXX, XXXX, and XXXX, I was not aware SageStream existed as a credit reporting agency and as such, would not have known to request a freeze with this organization. 
I attempted communication with SageStream LLC and while a phone number for Customer Service is published, interaction is entirely via voice prompt and there is NO OPTION to talk with a real person for issues that are not included on a narrow list of services. 
My application for credit to which my credit score would entitle me is being rejected as a result of SageStream consumer relations practices.
Consumer complaint received 2018-02-23
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: JPMORGAN CHASE & CO. (FL)

hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquires XX/XX/2016 XX/XX/2016
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

I went to U.S. bank to cash a work check and the employees working there beat me up for my work check the employee grabbed my head and slammed it on the desk and said she wasn't giving me my work money or my check back the U.S.bank I went to to cash my work check is located at XXXX XXXX XXXX XXXX California please be careful the employees there said they was going to XXXX  me for my work money
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALTERNATIVE DISPUTE RESOLUTIONS (CA)

Scam company saying a process server will be at my residence from 3to5 if I didnt not contact them right away. I called them they told legal action will be taken if I did take care of a debt that wasn't even mine. The company is ADR or alternative dispute resolution ( XXXX ) XXXX
Consumer complaint received 2024-03-05
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. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (TX)

I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency. 

Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.
Consumer complaint received 2018-02-23
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. (DE)

I called today at XXXX eastern US time and spoke to a customer service agent names XXXX. I explained I was a Victim of their Inquiry issue. I explained that I wanted All inquires up to the start of 2018 removed from my report as my faith in them is now shaken as a credit reporting agency. The inquiry glitch was them removing millions of peoples inquires and then violating the FCRA and re-adding them without notifying each person within five business days. He informed me that they were not willing to resolve the issue.
Consumer complaint received 2022-04-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP (PA)

again XXXX XXXXXXXX XXXX ( now Keybank ) XXXX an XXXX XXXX XXXX XXXX, Pa. has never dis closed, any account information. An landed, me what? I am the Creator to the Person XXXX XXXX XXXX. XXXXXXXX XXXX is using a contract that may have been satisfied. An Can Any Bank give lines to Private Property, XXXX XXXX, Pennsylvania.
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (OH)

My vehicle was unfairly XXXX from CNAC I tried to do everything possible to get it back and they wouldn't allow it and they sent me a letter stating that I had XXXX  days to come collect my things from inside the vehicle and that they would be selling it and however much they sold it for would come off of my remaining balance on the vehicle. However they did not follow that. I recieved a paper stating that they sold the vehicle for {$0.00} and that I still owed the full amount! I know they sold the vehicle for {$2900.00} because I seen it at XXXX XXXX XXXX and ensured that it was the same vehicle by checking the vin and I was told how much they purchased it for, not to mention all of this is free to lookup online! So I want this removed from my credit report bc they fraudulently reported it and have hurt my credit score long enough. They weren't at all fair in the entire process of buying the vehicle in the first place. And I have disputed it several times online and nothing has been done! Even when I submit the proof.
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I noticed the amount of interest accumulating on my loans has not been adding up the past several months. I called my loan service provider, Nelnet, for the first time on XX/XX/19 at XXXX and talked to XXXX . He investigated and found a mistake in my Loan Group B, Number 8. One of the loans in this group should not have been placed in this group and so none of my payments have gone to this loan over the past 5 years. Therefore, this loan was accumulating interest non-stop. He stated the mistake would be fixed in 3-5 business days. My main concern was that I would be responsible for paying for all of the interest. Nothing changed for several days so I called again XX/XX/19 at XXXX and talked to XXXX . She agreed that she could see the process was started to remedy the situation but that it was not complete. I got an email XX/XX/19 that my one-time special payment instruction was approved, indicating future payments will now by going to this loan, however all of the interest was still present. I feel I should not be responsible for paying for all of this interest when it was a mistake from my loan service provider.
Consumer complaint received 2020-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2020-11-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (KY)

( my earlier complaint somehow got lost?? ) I received a car loan for a XX/XX/XXXX XXXX XXXX from U.S.Bank, XXXX XXXX, XXXX County, XX/XX/XXXX. It was paid off XXXX. The bank recognized the payoff XXXX and the XXXX County Clerk 's Office, Auto Titles, still have no record to clear my title. Two branches of the XXXX XXXX XX/XX/XXXX ( XXXX and XXXX ) have been contacted at least 7 times. I get apologies, no action that gives results Likewise for the XXXX and XXXX XXXX County Clerk 's Office. 
Please help!
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I have a joint account for a car loan with Santander Financial for a car loan. The loan was previously delinquent ; however, the loan was brought current as of XX/XX/2020. On or about XX/XX/2020, Santander reported to the XXXX/XXXX/XXXX  that the account is 30-59 past due ; despite the account no longer being past due. I contacted Santander this morning and was advised that they will not update the credit reporting further, and that if I have a problem with it, I will need to send them a letter in the mail to dispute the reporting.