davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-10
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. (MD)

XXXX XXXX XXXX XXXX willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via XXXX XXXX XXXX XXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. XXXX is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, XXXX failed to fully disclose the consumer transaction. 

This is an advisory of XXXX 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2021-12-10
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. (NJ)

i HAVE BEEN TRYING TO GET THE FILE CORRECTED SINCE 2018 DUE TO TRYING TO PURCHASE A HOME AND GET MY CREDIT FILE ACCURATE FOR AN ACCURATE SCORE. I SUBMITTED MY IDENTIFICATION MULTIPLE TIMES VIA UNITED STATES POSTAL MAIL TO XXXX, TRANSUNION, AND XXXX. THEY HAVE ALL FAILED TO CORRECT THE FILE AND OUTRIGHT REFUSED AFTER RECEIVING MY XXXX JOB IDENTIFICATION, STATE IDENTIFICATION, AND SOCIAL SECURITY CARD AND LETTER ADDRESSING ALL MY PLACES OF RESIDENCE THE LAST 40 YEARS.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (PA)

I move to my new address almost 3 years now. Before moving I did a change of address so that I could receive my mail. I started working contract work for XXXX XXXX. before working for XXXX XXXX, they did a credit check on me. While doing a credit check, I found that a collection agency by the name of Simons Agency Inc had a numerous of medical bills on my credit report that I never received at no time. After further review, the medical bills where mine but I never received any bill for them in the mail. I maid a paid to settlement to Simons Agency Inc. All my debt was paid off but Simons Agency who said it would be removed from my credit is still showing on my credit report now as a negative. I attempted to contact them to remove it from my credit, but they refuse to remove it off my credit.
Consumer complaint received 2021-08-25
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)

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX/XXXX  XXXX XXXX/DEPT OF ED  XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

An account was opened in my name in XXXX. It was opened in store by someone pretending to be me that I used to live with. However, at the time, I was not living with them. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since XXXX. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. Whenever I try to call about the account to see about possibly paying it off or finding out how much was taken using my info, they advise me they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. The account number I got from one of the bureaus was XXXX.
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (TX)

After careful review of my credit report I noticed that there were inquiries from the following companies in which I did not authorize to obtain my credit report. Please see the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-08
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: Avant Credit Corporation (IL)

I contacted Avant in the past concerning the accuracy of the information that they was provided to XXXX XXXX and XXXX. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted Avant to validate this account via certified mail. Avant recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. Avant provided me with a document that clearly shows no signature Avant violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. Avant has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Consumer complaint received 2021-12-10
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. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The XXXX mainConsumer Reporting Agencies ; XXXX, EQUIFAX, and XXXX are reporting Inaccurate information on the consumer file they each hold in my name. My name, date of birth and address need to be corrected and my consumer files immediately updated to reflect my true identity.
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX A ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX Balance {$550.00} XXXX XXXXXXXXXXXX XXXX  Balance {$0.00} Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

LINEBARGER GOGGAN BLAIR & SAMSON, LLP is civilly liable to me for willful noncompliance pursuant to 15 USC 1692k and 15 USC 1681n for failure to comply with this sub chapter. I previously made a complaint with this agency along with the affidavit that was sent via USPS certified mail and was responded to with a frivolous response on the CFPB website without an affidavit rebutted point for point under penalty of perjury. I have since then made an additional complaint to the New Jersey Attorney Generals Office and have been referred back to the CFPB for consumer action against LINEBARGER GOGGAN BLAIR & SAMSON, LLP
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, Experian increased my credit score to XXXX ( please see the attached " Score Increase.pdf '' ). On XX/XX/XXXX, I EARLY paid-off my car loan with XXXX XXXX XXXX XXXX ( EARLY PAY-OFF because loan maturity date was XX/XX/XXXX ). On XX/XX/XXXX, EXPERIAN SENT ME TWO NOTICES BY E-MAIL : ( 1 ) please see the attached " Review Your Credit Notification.pdf '' in which mention of POSITIVE IMPACT ON MY CREDIT was made and ( 2 ) please see the attached " XXXX check out 1 update to your credit report.pdf. '' I then reviewed my credit, as directed in the aforementioned second e-mail notification, and discovered EXPERIAN TOOK NEGATIVE ACTION ON XX/XX/XXXX ( please see the attached " Score Decrease.pdf '' ), OR PRIOR TO THE DATE OF THE TWO ABOVE-MENTIONED E-MAIL NOTIFICATIONS FROM EXPERIAN ON XX/XX/XXXX, AND WITHOUT NOTIFYING ME BY E-MAIL OF HAVING TAKEN SAID ACTION AS WAS DONE IN THE CASE OF THE TWO ABOVE-MENTIONED E-MAIL NOTIFICATIONS, TO DECREASE MY CREDIT SCORE BY XXXX XXXX from XXXX ( my Experian credit score on XX/XX/XXXX as mentioned above ) to XXXX.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OK)

Hello, I have a Chase bank account with XXXX $ that I can not use because they froze my account for suspicious activity ( I sent a payment to a friend and they froze it ) I called and verified my identity multiple times and they would just tell me theres an error unlocking the account and had to call again. Then they tell me I have to go into a branch to verify myself when I told them I no longer live in XXXX!! Their response is : Once you get back in the country you can solve the issue. Im not coming back anytime soon!! I want them to unlock my account so I can withdraw my money and close my account with them, theyre not helping, please I need a solution
Consumer complaint received 2021-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

PayPal holding funds after the 180 days are up. I tried to transfer money to my bank, after I tried it said ( Theres an issue with your account ) which I do know because they have also said Your account access is limited and You can't use PayPal anymore. But it also say ( Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. ) which the incident happen in XX/XX/2021 it is now XX/XX/2021 Ive waited longer than 180 days and still no email saying I can get my money back or transfer it to my bank. Its been 182 days about to be 183 days
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$330.00} Inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I was traveling in XXXX around late XXXX and made a purchase at a gas station for a piece of candy around $ XXXX. Once i returned home and checked my account i noticed a charge for {$350.00} at a market in which was the same place i purchased the candy. I called my bank to dispute the charge. I did not have a receipt and they said they would reach out to the market to request one. It has been over two months and i have not received my money back and my bank states that there is nothing they can do about it.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (LA)

On XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX {$420.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus.
Consumer complaint received 2021-12-10
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. (MD)

I am distressed that you have included EQUIFAX, XXXX, XXXX XXXX in my credit profile on and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank you,
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MA)

I received a letter from LexisNexis Consumer Center dated XX/XX/2024. 

Subject line is " RE : Unable to Process Request '' As far as I know, I never made a request with LexisNexis as this is the first I have heard of the company. I called the phone line and they wanted me to give all of my personal information before they would tell me what this is about. It felt really dodgy and I don't know what is going on. The representative on the phone was unable to help. 
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Consumer complaint received 2019-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (CA)

I have had a very difficult time with Homepoint Financial. I have tried to submit for a loan modification several times. I was told I was approved but the paper work was confusing and I never received any statement for the payment amount or date to pay. I never made any payments on a Homepoint financial modification application. I am now being told by Homepoint I can not receive a modification because of this miscommunication. 

I was never able to communicate to the same person which caused confusion. I simply want to save my home and be reviewed for a modification. We are over our hardship and can afford the modification.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NY)

I'm going to do two things today 1 ) give you the first complaint number which conveniently for the lender falls in line with exactly what the are doing which is taking of the customer because the CFPB dropped the ball - left your rules open ended for all Closed loans and let Lenders dictate unfair terms to the very people your suppose to protect so here that is XXXX. 2 ) I did also file a complaint with another federal entity. 

At the end of the day Ally is banking literally on holding my money for 60 days, it matches your policy exactly. Ironic. 

Who knows I am suspecting interrupting a XXXX  dollar loop hole isn't popular. 

Lots of other people are hurting by your choice to just not complete your job. 

Anyway haven't heard a thing from Ally other than an updated lean statement, but yet my money sits in their accounts alomst a month already. Imagine how that money is being leveraged. 

Anyway I do suspect you are doing this job for the right reasons but when your first response is to put in the party who is taking advantage of the consumer- doesn't that just not seam right? 

Thanks for your time!
Consumer complaint received 2023-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (TN)

Fay mortgage services have not applied payments and said they never received but was sent cashiers checks. So they now say we are behind XXXX  months and applied over XXXX in overages which dont add up and when you call the amount keeps going up from owning XXXX XXXX weeks ago to now XXXX and when you ask them to explain were the lost payment are and why it keeps increasing all I get is pay or be foreclosed.. I dont understand how they arent helping and just keep making up prices and then they have sold the mortgage 3 times this year to themselves.. which makes no sense.