davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions Negative Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-16
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. (NJ)

XXXX XXXX did run my credit four times. According to the document I signed. It was supposed to be one credit run in Transunion however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA XXXX ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA XXXX Civil liability for negligent noncompliance [ XXXX XXXX. XXXX ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$17000.00}. Please remove.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

I recived an email from AMEX for XXXX XXXX XXXX, I know my credit is horrible and will not quailfy for approval, so there was a XXXX XXXX ran to bring m y score down through XXXX, I am trying to build my credit and this credit company is preying on me through my business name XXXX XXXX XXXX XXXX, to lower my XXXX XXXX, please provide a dispute so I can remove this inquiry.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We leased a XXXX lead in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION (FL)

To the Concerned Party, I am writing to address a matter of utmost importance that necessitates immediate attention. Regrettably, my financial account has fallen victim to fraudulent activity, and I find myself in the unsettling predicament of being denied reimbursement by my bank for the unlawfully taken funds. In response to this distressing situation, I have taken the initiative to file an official police report in connection with the crime, underlining the severity of the identity theft I have suffered. 

The fraudulent actor responsible for this act of deception managed to gain unauthorized access to my account, most likely through the acquisition of a duplicate of my debit card. While the bank has indicated that such an occurrence is seemingly implausible, I must emphasize that my unfortunate experience stands as evidence to the contrary. 

It is my belief that I am entitled to the protections outlined by the Federal Deposit Insurance Corporation ( FDIC ), a safeguard that guarantees financial restitution of up to {$250000.00}. In this specific instance, I had maintained a balance of {$2900.00} in the compromised account, which was subsequently depleted entirely. 

My intent in pursuing a resolution to this matter is sincere and rooted in a commitment to justice and transparency. My decision to file a police report is not one made lightly, as I recognize the implications of such an action. Rather, it stems from a genuine necessity to address the wrongdoing and reclaim the rightful security and stability of my financial resources. 

I implore your assistance in navigating this distressing situation, as I am left perplexed and uncertain about the subsequent steps to take. The gravity of the situation compels me to seek a just and equitable resolution, as I am resolute in my assertion that I have been wronged and seek the appropriate remedies. 

Thank you for your prompt attention to this matter, and I remain at your disposal for any further information or clarification that may be required. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-23
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. (NY)

In XX/XX/XXXX I received I received a phone call from XXXX XXXX XXXX stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from XXXX XXXX and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from XXXX XXXX that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XXXX XXXX phone call.
Consumer complaint received 2019-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MD)

Ally financial has been charging me daily finance charges of {$8.00} per day even though I have made advance payments in 3 to 6  months increments. I have requested a copy of my full contract and continue to receive summary. I even sent my request by way of certified mail. There is another related matter that I submitted a 12 page complaint with the XXXX where the dealership committed fraud to get me in this loan, and to avoid loosing my place of employment that requires good credit history, I am stuck in this fraudulent loan to avoid implications on my credit. Copies are available upon request providing proof of this fact.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NC)

I have had issues with a car I purchased ( buyer said car was like new and turns out it has been wrecked several times ) and the dealer agreed to buy the car back. 
Ive had the loan for 14 months, initially borrowing {$16000.00}. When I called to get payoff on it 3 days ago so that the dealer could buy it back, they told me payoff was {$17000.00} Initially when I started the loan with XXXX XXXX, my payments were {$390.00} a month. After ACA took over, they called and told me my payments had dropped to {$240.00} a month because the other company was overcharging. I called several Times because that just didnt seem right with the interest rate at 18 % but they insisted that they know their job and are doing it correctly. 
Come to find out, with the lowered payments its not even enough to cover interest every month which has in turn made my balance more than I shouldve paid over my 72 month loan & at this rate the car will still NOT be paid off when my loan is up. 
I have been contacting ACA to try and get some sort of agreement where the dealer can pay the {$15000.00} and then them write off the other {$1300.00} so that I can be done with this car and every day someone says Ill call you back but no one ever does. I have spoken with at least 15 different people and no one can ever find them again for me to talk with them again. And no one cares that I am getting royally XXXX with my account and wont bother to try and fix it. 
I am currently 3 months behind because I had intended on letting the car go back, but was hoping to settle with the dealer instead of ruining my credit but at this point Im tempted just to let it go back and be done with it just because no one cares enough to help me. 
The most HORRIBLE and IGNORANT customer service ever.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (MT)

Previous complaint ... XXXX ... .fraud. 
XXXX XXXX, senior customer care specialist, US Bank XXXX XXXX Customer Service ... ..once again, I didn't file or authorize fraud on 2 transactions at XXXX XXXX XXXX ... XXXX XXXX and XXXX 2018, as I told you on our phone conservation, I didn't sign your form on these as I still have it. 
Your force close fee of XXXX ... .now you word as a charge of fee. 
Stop dancing, take responsibility of your employee errors. I am not responsible for this for this negative balance which now is a Recovery Branch, Department. I want immediate attention, and correction from you on your staff errors
Consumer complaint received 2019-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Hello, I made a purchase to XXXX XXXX XXXX on XX/XX/2019. The payment went through properly, and I received my package within a week from the vendor. A week later, after receiving package from the XXXX, was alarmed to see that there was a negative balance on my Paypal account in the amount of {$100.00}. I immediately called paypal to discuss the matter, and it was at this time that they reluctantly informed me that they had paid for my products from XXXX XXXX XXXX without my knowledge or consent, because my bank ( XXXX XXXX ) had rejected the funds. I then complained vehemently with them, reminding them of the agreement that we have that has been honored in the past : that if for any reason, my bank rejects the funds, and the funds are unavailable, Paypal must notify my via email or text message, and the transaction will be put on hold or cancelled until such funds are available. Never have I agreed to any terms suggesting that funds can be paid on my behalf and later paid back without my consent. I then called my Bank and explained the details of the issue, and asked them why they would reject the transaction if the funds were available in my account without my knowledge. XXXX explained to me that due to a previous issue with Paypal they authorized a hold on all transactions without my consent. By the end of the phone call XXXX lifted the hold per my request, and apologized for the inconvenience it caused without resolving the issue still at hand. Now I am left with an outstanding balance of {$100.00} as a result of a total lack of communication from both Paypal and XXXX XXXX, and I refuse to take responsibility as this was an issue caused and exacerbated by these two companies. I have tried to resolve the issue with them but am not left to file a formal complaint through Consumer Finance, as I feel quite mistreated. Both calls should have been recorded and documented for review and for reference. I received a letter in the mail on XX/XX/XXXX requesting that I pay this outstanding balance and have been given 30 days to do so, or to file a complaint. So I have chosen to file a complaint and continue to fight this issue, and hope that it will be resolved fairly going forward. Thank you.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

Santander refused for us to purchase gap Insirance on our vehicle loan. Six months after the purchase of the vehicle we were involved in a total loss. They did not give us the opportunity to get adequate protection and now we are at a fiancial loss because they forbade us to get gap insurance to protect our loan. They also malreported how much was refunded to them with the extended warranty that we had on the vehicle which the refund was XXXX not XXXX which is the amount reported
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accountable Finance Inc (MO)

I FILED A POLICE REPORT AND ALSO LET THE CREDIT COMPANIES KNOW WHEN I WAS IN CUSTODY SOMEONE WAS USING MY NAME TO GET THINGS AND I JUST FINDING OUT ABOUT THEM AND TRYING TO CLEAR IT UP I DID NOT MAKE THIS LOAN IT IS FRAUD AND THIS COMPANY IS NOT TRYING TO HELP ME FIX THE ISSUSE
Consumer complaint received 2023-08-23
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: ProCollect, Inc. (TX)

Hello, There is a collection on my credit report, which is not mine. Someone used my information to rent a place and left the place without paying all dues. When i found out about the collection on my account, i paid it off immediately as it was impacting my ability to take a mortgage loan. Balance was low ( {$350.00} ) and i thought to pay it and work with the collection agency to remove it later.

Now that i have paid the account, collection agency won't talk to me or remove the account from my credit report. I have talked to them and also opened disputes will all three credit reporting agencies but in vain. Collection agency is not interested in talking to me as they have already received their money. If it was truly my account, i would not mind having it on my credit report, but this is not my account and i am not getting any help from the collection agency. I never received any communication from the collection agency either, except seeing a collection on my credit report. If i would have received any communication from the collection agency, i would have taken care of it at that time. 

Can you please help me remove this account from my credit report. 

PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number XXXX Original balance {$350.00} Sincerely, XXXX XXXX
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (UT)

I submitted this complaint to update this suspicious information. Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. ()

The loan for my loans was recently transferred to Aidvantage for servicing. 
I open an account at Aidvantage - number XXXX. 
As I live in XXXX I searched their website for details on how to send payments internationally. I could not find any. 
I have an account at XXXX XXXX XXXX XXXX ( XXXX  ) so I sent ( by registered delivery ) to : Aidvantage FSALS, XXXX XXXX XXXX, XXXX, OR XXXX - six checks for each loan ( I have 2 ) that were individually dated for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. There was a cover letter that explicitly stated " do not present the checks before the date on the checks ''. 
As soon as they received the cheques they presented them. The majority of the checks were honoured by XXXX so all my funds were wiped and I was left with a huge overdraft. 
I emailed Aidvantage but got a long winded response that basically said we don't answer via email so phone or come in or write. 
Tried to phone, but the number to internationally call was listed incorrectly as XXXX XXXX XXXX XXXX. In actual fact to call the USA the code is XXXX then XXXX then area code and number so correct number is XXXX. Having worked this out I tried calling go through to an automatic system which did not correctly recognise my SS number or account number. It was not possible to talk to a human being. 
Can you help please. They have wiped out my account and left me with an overdraft
Consumer complaint received 2019-04-19
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 — Investigation took more than 30 days
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (MO)

Insta credit auto mart in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.
Consumer complaint received 2019-08-29
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (TX)

GLOBAL LENDING SERVI XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Balance {$6600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$9700.00} Date Opened XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Amount {$5200.00} Date Assigned XXXX XXXX, XXXX These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer report.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (AR)

I opened this card in or around XX/XX/XXXX. I paid the balance off in full in XX/XX/XXXX. In XXXX I received a statement with {$17.00} interest charges. I called and spoke to a customer service rep and was told it was residual interest and the fee would be waived. I moved in XXXX and never heard anything since until last Friday when I got a notification my credit score dropped over XXXX points. Which is a huge impact to my financial situation as I am applying for a business loan. 

I never received any statements other then the one in XXXX. It appears that the fee did not get waived which caused late fees and more interest charges and then reported to the credit bureau for all these months. 

I placed a phone call immediately last Friday and spoke with XXXX a manager that promised me a call back before her shift ended at XXXX XXXX  that day. She advised this needed to be escalated to a unit manager. 

I never heard anything back. On Monday I called and spoke with XXXX and was told it was under review and her supervisor would give me a call back. Still havent received any call. 

Im hoping this issue can be resolved. As a {$17.00} fee could of been paid and resolved but instead I was mislead, or the representative didnt do her job.