davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Last week on XX/XX/XXXX around XXXX I got a call from unavailable number and so I answered it and a lady asked me name and last of my last digits of my social security number and I asked Who is this? She said some name It could have been fake and I gave the last digits and she gave me a 5 digit number hold on. Then a male got on the phone and re asked my name and that I was going to be served some court papers and he worked For XXXX XXXX XXXX in XXXX NY and he asked for my email address and mailing address. I asked what is this for? He said a XXXX loan for the sum of {$1400.00} and I informed him I spoke to some one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA the week before about the same XXXX loan and they mail me 8 pages of contact information will no amounts from XX/XX/XXXX. I hung up the phone and XXXX the company. I found out that in this company XXXX XXXX XXXX is not accredited with XXXX and out of business with a government action in XXXX XXXX New York State General with district court regarding illegal Nationwide Debt collection scheme and mispresented to consumers that hey owed sums they did not own.
Consumer complaint received 2018-10-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

Upon direction of Select Portfolio Servicing, Inc, XXXX Bank, XXXX XXXX, has been illegally attempting to collect a mortgage debt for the past 2.5 years and has engaged in multiple instances of fraudulent misrepresentation to both me, the state and appellate courts of Ohio, and to the United States Sixth Circuit Federal Court. Specifically, the Bank, by and through its attorneys, alleged that it is the new trustee in the case by virtue of being the successor in interest to XXXX XXXX XXXX. As a result of those false statements, the bank then stated to the courts that it was the 'real party in interest ' in my case. In addition, XXXX Bank itself wrote me a letter ( attached ) in XX/XX/XXXX stating that it was the 'trustee ' for the 'trust ' that owns my note and mortgage. None of the statements above, both made in court and made to me, were true at the time they were made, and they are still not true today. The evidence of their falsity is readily apparent by means of a fraudulent 'Corporate Assignment of Mortgage ' that was filed by Select Portfolio Servicing , INC , the servicing agent on the account. The assignment, which was prepared on XX/XX/XXXX, contains a number of contradictions that prove that the statements made prior to that date were false. In addition, further statements that were made after XX/XX/XXXX are also false since they assignment failed to transfer any 'interests ' to XXXX Bank as they alleged in court documents. XXXX Bank, in addition to committing fraud upon the Courts, is in direct violation of the Consent Decree it signed with the OCC in XXXX, XXXX. Article IV ( 1 ) ( e ) of the Compliance Program, signed by the bank on XX/XX/XXXX, requires the bank to establish and maintain : ( e ) processes to ensure that the Bank has properly documented ownership of the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the action ( as a result of agency or other similar status ) at all stages of foreclosure and bankruptcy litigation, including appropriate transfer and delivery of endorsed notes and assigned mortgages or deeds of trust at the formation of a residential mortgage- backed security, and lawful and verifiable endorsement and successive assignment of the note and mortgage or deed of trust to reflect all changes of ownership ; ( emphasis added ) All of the above requirements imposed by the OCC detailed above have been violated. As of XX/XX/XXXX, XXXX Bank has filed a new praecipe of sale as part of its ongoing fraudulent scheme to literally steal my home under false pretenses. I filed in state court on XX/XX/XXXX the attached new motion to vacate the summary judgment due to fraud on the court and 'any other reasons justifying relief ', but it was incorrectly denied on XX/XX/XXXX due to 'res judicata XXXX XXXX
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and Transunion has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XXXX/XXXX/2020 I had made a paid for a subscription on XXXX.XXXX. the subscription was six months and cost a total of {$180.00}. This company has to send me a one package a month, but within the first month there was a one month delay. Sp I had to wait an extra month to get my package. When the package arrived, it came with low quality products and one of the items was missing. On the next month 's package it was the same thing. All of the items were here, but they looked very bad in quality. After that, I had decided to request for a refund, but they don't have a proper customer service. So I had to file a dispute through my bank account, but due to lack of communication, the case was closed and I had lost my money. Furthermore, the company XXXX had stop sending me the rest of the products that they owe me. They only send me two packages as of XXXX and haven't send me updates on anything. When I log into my XXXX  account, I can't even see my order history or any of my previous subscriptions that I got from them.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Consumer complaint narrative I pulled my XXXX credit report and noticed they have 4 variations of my name and some of them are spelled incorrectly. They are listing 3 addresses and two of them are no longer deliverable by the United States Postal Service. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 9 different companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.
Consumer complaint received 2018-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MT)

I have been trying to recertify my income based repayment plan for 4 months now. I call twice a month and talk to customer service. I have been told : this is with XXXX XXXX 1. I didnt qualify because I made too much even though I submitted through Dept of Ed and my other servicer Aspire said I did qualify w the same information.

2. I submitted the paperwork twice because they said I didnt submit correctly. Again my other servicer accepted the same information as acceptable. 
3. I paid their XXXX dollar processing fee twice because their system did not recognize I had already done so. Last time I called I was told that they made a mistake and still havent processed my requests. 
3. I was told I would have an administrative forebearance while they fix their mistake. My amounts are still accruing and I am in jeopardy of credit reporting.

4. Every time I have called the service rep says they will work on it and I have not yet seen any movement. 
5. They XXXX XXXX my public loan forgiveness application and I had to call twice to get them to notice they read the dates wrong.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2022-05-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid my XXXX cellular bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.
Consumer complaint received 2021-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/21, I request to recall of {$9200.00} through Citibank from XXXX XXXX  but the reply was that XXXX XXXX  cant reach the Beneficiary to return the fund. I filed a complaint on the consumer protection financial bureau on XXXX XXXX  on XX/XX/21 and XX/XX/21, XXXX XXXX  asked me to dispute funds associated with the scam with Citibank. I am disputing wire on XX/XX/21 of {$8400.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$9200.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$2000.00} to XXXX XXXX ( account at XXXX : XXXX ) with Citibank
Consumer complaint received 2018-02-07
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: BANCO POPULAR DE PUERTO RICO (PR)

The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.
Consumer complaint received 2021-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX 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 2017-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rodriguez Fernandez Law Offices, LLC (PR)

XXXX   XXXX   XXXX   XXXX   XXXX , still insists through  XXXX   XXXX   XXXX ,  XXXX , that I should contact Rodriguez Fernandez Law Offices , LLC in  XXXX   XXXX   Puerto Rico, on   a U.S. Postal  Service Certified Mail Received today,  XXXX   XXXX ,   XXXX   at our residence, that Monday through  XXXX , from  XXXX   XXXX   XXXX   to  XXXX   XXXX , I should call them if I have questions, and they want me to pay the whole amount of  XXXX  dollars  XXXX  cents, letter received today included, i s in Spanish in just one payment? But   this account is under a certified payment agreement with the same  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  (  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , and today I made the fourth payment of this agreement at  XXXX   XXXX   XXXX   XXXX , in  XXXX   XXXX   XXXX ,  Puerto Rico, see  included receipts. I was unable to contact the lawyers listed by  XXXX   XXXX   XXXX  as  XXXX   XXXX  Representatives, because not only I saw this letter today after arriving home after  XXXX   XXXX  and I should not wait for this until next Monday, but  XXXX   XXXX  is well aware of this problem, and they should contact  XXXX   XXXX  also, but is not happening.  XXXX   XXXX  has another complaint here about this, number  XXXX   XXXX , but this  one  I want to submit against  XXXX   XXXX  and their representatives h ere in Puerto Rico.
Consumer complaint received 2021-09-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (FL)

This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are Jefferson Capital Systems LLC and XXXX XXXX, XXXX
Consumer complaint received 2016-07-29
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GU)

I co-leased a vehicle on XXXX/XXXX/2015 with my husband who 's in the military ( 2015 GMC Acadia VIN # XXXX ). The dealership gave us false information about being able to ship a vehicle if given military XXXX. After 15 days of leasing the vehicle we received military XXXX and was able to return the vehicle and received a full refund from XXXX XXXX XXXX in the amount of {$1500.00}. We opened a case with GM financial ( Case # XXXX ) and was able to get the full refund due to the negligence, misleading information and law that Service Members Civil Relief Act outlines in Section 305. 
I called GMC Financial @ XXXX and was referred to the City of XXXX XXXX to get this resolved. I then called the City of XXXX XXXX Treasury office @ XXXX and was told they did not report anything to GM Financial as they do n't have me owing anything to them. I then called GM Financial back and ca n't get a hold of anyone. I 've left multiple messages for the GM Financial recovery department @ XXXX and have not received a call back. 
I now have XXXX reports on my credit report stating I 'm late on payments which has decreased my credit score. I am getting the runaround from GM Financial and no resolution has been given. I 'm currently XXXX and contacting GM Financial requires me to stay up late, as their hours of operation are during sleeping hours here. I need GM Financial to do their due diligence to ensure my credit report is cleared of any negative reports stating I 'm late on payments and comply with the Service Member Civil Relief Act which also covers dependents.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANCO POPULAR DE PUERTO RICO (VI)

I canceled a VISA card issued through Banco Popular because they are impossible to deal with including issues such as : you ca n't pay the credit card on line unless you have a checking account at Banco Popular, the wait time for their 'help ' line is always in Spanish first even though you press the number for English, and the wait time on the customer service lines is at least 20 minutes and many times up over one hour and many times they cut you off before finishing the call resulting in multiple calls. 
So, i canceled the card and destroyed the card as they indicated in the letter that I should. I still had a balance on the card so the following month I go up on line to access the bill so I can go to the local Banco Popular to pay it as I had to do every month and lo and behold they have shut off my on line access. After two days and many hours on hold I finally talk with someone and explain I still need to access the account. They refuse to let me do that because I have 'canceled the card ' so they 'canceled my on line access '. So i tell them to send me paper bills. They send one XX/XX/XXXX and none this month. Today I went into local Banco Popular bank and have the branch manager call them to access our account. She was on hold over 30 minutes and then they told her wrong department, transferred her!!! and that line said it was an estimated wait of one hour! So she gave up and said there was nothing she could do!!! Is n't it my RIGHT to get a billing statement every month?
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (CA)

I open a citi credit card and used it 2 time and thier fraud department froze the card. I called them 3 times and it went nowhere.
Consumer complaint received 2018-02-02
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: DISCOVER BANK (NY)

XX/XX/2017 I am being hit with a hard inquiry from Discover Card. 
This was fraud as I did not apply for another Discover Card as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX and XXXX were also gon na remove it but still have yet to do so.